Cheapest Auto Insurance in Louisville, Kentucky (2025)

Liability-only car insurance in Louisville costs an average of $185 per month. Louisville drivers pay much more for liability car insurance than the Kentucky state average of $117 per month and the national average of $101.

The city’s high rate of auto theft likely contributes to the higher costs of car insurance in Louisville.^[1]

Comparing quotes can help you find more affordable rates. Here’s what you need to know to find cheap car insurance in Louisville.

6 of the cheapest car insurance companies in Louisville

Auto-Owners, National General, and State Farm are a few of the best car insurance companies with cheap average rates in Louisville.

When it comes to car insurance, each person has their own needs based on various factors. These factors include age, vehicle type, driving record, coverage limits, chosen deductibles, credit history, marital status, and more. The best car insurance company for you will depend on your specific coverage needs, your budget, and driver profile.

For instance, if you only need liability coverage, Auto-Owners may be the most affordable option. But if you have a DUI on your record or are a teen driver, you may find another company that has cheaper rates.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $127/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $132/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $149/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $124/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $191/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $121/mo*
Overall rating 4.3 135 reviews	Overall rating 4.1 6,240 reviews	Overall rating 3.9 6,601 reviews	Overall rating 3.7 303 reviews	Overall rating 3.9 3,769 reviews	Overall rating 3.3 7,201 reviews
Value for money 3.5/5	Value for money 3.8/5	Value for money 3.8/5	Value for money 3.0/5	Value for money 3.6/5	Value for money 3.3/5
Customer service 3.8/5	Customer service 4.1/5	Customer service 3.9/5	Customer service 3.3/5	Customer service 3.8/5	Customer service 3.3/5
Claims handling 3.9/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.2/5	Claims handling 3.9/5	Claims handling 3.5/5
Special highlight AI-generated from 135 user reviews Cheap rates	Special highlight AI-generated from 6240 user reviews Customer service	Special highlight AI-generated from 6601 user reviews Teen drivers	Special highlight AI-generated from 303 user reviews SR-22 insurance	Special highlight AI-generated from 3769 user reviews Accident forgiveness	Special highlight AI-generated from 7201 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for discounts: Auto-Owners

discounts

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User Reviews	4.3 135 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$152/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$222/mo

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Driver Reviews

4.3

Best choiceBased on 233 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (135)

David

Verified Review

Getting Expensive

Reviewed in Michigan on October 2025

I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.

Ronald

Verified Review

I Hate Insurance Companies

Reviewed in Pennsylvania on October 2025

The good is my broker was fantastic; she got me a good policy for a decent price in the beginning. The bad is, in the 3 years I’ve had my policy, it went up about 4-5 times, and the last two times it went up, it was like a day or two apart, which is very unacceptable. I just don’t understand when you are loyal to a company, pay your bills on time, and haven’t had a claim on your vehicle(s) or house, they just increase your payment without notice or care about how much income you have. I have no problem paying my bills on time, but honestly, I’d like to be able to feed my family, and it’s really hard to do that when a majority of your income goes to bills.

Michael

Verified Review

Best Kept Secret!

Reviewed in South Carolina on September 2025

Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners operates in 26 states, including Kentucky, and sells homeowners, car, life, umbrella, and several other types of insurance through a network of independent agents. Auto-Owners helps drivers save with a range of discounts, including for vehicle safety features, on-time payments, multiple policies, and claims-free history.

Pros

• Many policy options and discounts

• Rental car coverage includes food and hotel if necessary

• Offers multi-policy bundling discount

Cons

• Online quotes not available

• Below-average J.D. Power customer service rankings in the Southeast

• Online chat not available

Best insurer for good drivers: National General

good drivers

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User Reviews	3.7 303 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$136/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$229/mo

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Driver Reviews

3.7

A solid optionBased on 670 verified guest reviews and ratings

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

Reviews (303)

Reginald

Verified Purchase

Confidence

Reviewed in on October 2025

As long as there is an automated payment, my insurance continues, and I don't have to think about it, I'm good. I haven't had an accident in 50 years.

Dawn

Verified Review

Good experience. I have had no problem with them, just need cheaper payments.

Reviewed in Florida on October 2025

I've had a good experience with them. I've had no problems at all, just would like my payments to be cheaper.

George

Verified Purchase

Good

Reviewed in on October 2025

I have no complaints! I would recommend to a friend.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

599

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.25

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

National General, an Allstate company, sells policies through a network of more than 55,000 local agents. Its DynamicDrive app rewards good drivers with lower rates and even larger discounts at policy renewal. Its mobile app is robust, allowing you to make payments, access policy information, and begin the claims-filing process.

Pros

• Some of the lowest full-coverage rates in Louisville

• Backed by Allstate’s financial strength

• Lifetime repair guarantee if repairs are made at a Gold Medal Repair Shop

Cons

• Below-average J.D. Power customer satisfaction rating

• Can’t check claim status on mobile app

• Not available through Allstate agents

Best insurer for teens and young drivers: State Farm

Teens and Young Drivers

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User Reviews	4.1 6,240 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$158/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$230/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 11,820 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,240)

Taylor

Verified Review

Great Insurance Company but Too Expensive

Reviewed in Michigan on October 2025

Overall, they are a great insurance company, but I think they charge way too much compared to others.

Sherry

Verified Review

State Farm

Reviewed in Kansas on October 2025

Be very careful and read everything.

Kurt

Verified Review

Better Insurance Company

Reviewed in California on October 2025

Rates are too high. Agents don't handle claims directly.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm sells car insurance in all 50 states, plus homeowners, life, and other types of insurance. Teen drivers and their families can find savings opportunities with State Farm’s competitive rates, and its Steer Clear and Drive Safe & Save programs. Steer Clear can help drivers younger than 25 save up to 15% when they meet the program’s qualifications.

Pros

• Savings possible via teen and young driver savings programs

• Rideshare coverage available

• Consistently low rates for good drivers 

Cons

• Gap insurance not available

• Fewer discounts than some competitors

• Drivers with violations may pay significantly more

Find Cheap Car Insurance in Louisville

Liability rates start at $128 per month

Enter your ZIP codeView My Quotes

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Based on 7,669+ reviews

4.8/5

How to get the cheapest car insurance in Louisville

Comparing rates from multiple car insurance companies can help you find the cheapest and best policy available to you. You can also take additional steps to hold rates down, including:

• Shop for car insurance before your renewal date. This gives you more time to research your options and find good rates. Plus, many insurers offer discounts for “early bird” shoppers.

• Look for discounts for having multiple cars and multiple family members on your policy.

• Bundle your auto insurance with renters insurance, life insurance, and a homeowners policy for a bundling discount.

• Choose a vehicle with a good safety rating. Insurers often offer discounts for safety equipment and technology.

• Maintain a clean driving record.

• Review your deductibles and coverage limits. Higher collision and comprehensive deductibles and lower limits will reduce your premium. Just be sure you’re financially able to pay more out of pocket in case of an accident.

• Choose a vehicle with safety features and anti-theft devices.

Cheapest liability-only car insurance in Louisville: Progressive

Kentucky requires drivers to have a minimum amount of liability car insurance.

Liability coverage provides two types of protection: property damage and bodily injury. Property damage liability covers the cost of damage you cause to someone else’s property with your car, such as their car, house, or tree. Bodily injury liability coverage pays for expenses associated with injuries to another driver and their passengers in a crash for which you’re at fault.

It’s important to remember that a liability-only policy won’t cover any expenses for repairing your car or any medical bills you may have incurred from the accident. It only protects the other parties in an accident you caused. Liability-only policies typically work best for drivers with older, inexpensive, and paid-off vehicles.

On average, Louisville drivers pay $185 per month for liability-only coverage. The following table provides examples of liability insurance costs for Louisville drivers.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Progressive	$128
National General	$136
Auto-Owners	$152
State Farm	$158
Direct Auto	$161
Root	$162
Safeco	$173
GEICO	$179
USAA	$193
Bristol West	$214
CSAA	$222
Allstate	$229
Dairyland	$233
State Auto	$233
Travelers	$254
The General	$255
Liberty Mutual	$279
Nationwide	$335

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Louisville: Auto-Owners

Although liability-only car insurance is available in Kentucky, your insurance agency or agent may recommend you opt for full coverage instead. If you’re financing or leasing your vehicle, your lender may mandate full coverage.

While liability-only insurance covers the other driver, their passengers, and their car, full coverage provides protection for you, your passengers, and your vehicle.

Full-coverage car insurance typically includes liability, collision, and comprehensive. Collision coverage pays for damage to your vehicle, no matter who causes the accident. Comprehensive insurance can pay for damage to your car caused by non-accident events like theft, vandalism, weather events, and accidents involving animals.

Full coverage costs Louisville drivers $261 per month, on average. Here’s a look at what Louisville drivers might pay for full-coverage car insurance from some top insurers in the city.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	$222
Progressive	$227
National General	$229
State Farm	$230
Safeco	$239
Direct Auto	$239
GEICO	$260
CSAA	$266
Root	$278
USAA	$284
Allstate	$335
State Auto	$341
Travelers	$372
Liberty Mutual	$382
Bristol West	$434
The General	$442
Dairyland	$474
Nationwide	$492

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Kentucky

To drive legally in Kentucky, you’ll need to have at least the following amount of coverage:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident

Additionally, Louisville drivers might benefit from the following optional coverages:

• 

  Uninsured/underinsured motorist coverage

  Nearly 14% of Kentucky drivers don’t have car insurance, according to the Insurance Research Council.^[3] UI/UIM coverage can cover your property damages and medical bills if you’re in an accident with an uninsured driver or if you’re the victim of a hit-and-run.

• 

  Roadside assistance

  If your car breaks down on the road, your battery dies, or you lock your keys in the car, roadside assistance coverage can send someone to help. Some insurers include roadside assistance in their standard policy, while others offer it as an add-on.

• 

  Rental car reimbursement

  If an accident leaves your car undriveable, this optional coverage can pay the cost of renting a vehicle, up to a certain amount per day and number of days.

• 

  Medical payments coverage

  Also known as MedPay, this optional coverage can help pay your or your passengers’ medical bills in a covered accident.

• 

  Personal injury protection

  Technically, Kentucky requires all drivers to have $10,000 in PIP coverage, which covers medical expenses regardless of who’s at fault in an accident. But you can opt out of PIP, and the limits on your right to sue after an accident, by filing a special form with the Kentucky Department of Insurance.^[4]

Cheapest car insurance for drivers with an incident

Speeding tickets, accidents, DUIs, and other driving violations can cause your insurance company to increase your rates. Drivers with past driving violations are at higher risk of filing claims, so insurers adjust their rates accordingly.

The average cost of car insurance for Louisville drivers with traffic incidents on their motor vehicle record is $222 per month for liability insurance and $313 for full-coverage insurance.

Shop for Car Insurance in Louisville

Monthly rates start at $154 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Progressive

It’s important to know that many insurers will increase your car insurance premiums following a speeding ticket. How much a ticket affects your rates depends on the insurer and the state where you live. If it’s your first violation, it’s possible a speeding ticket won’t affect your rates at all.

In Louisville, the average cost of car insurance for Louisville drivers with a speeding ticket is $227 per month for liability insurance and $321 for full coverage.

The following table illustrates how a speeding ticket can affect liability car insurance rates for drivers in Louisville.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$128	$157
National General	$136	$168
Auto-Owners	$152	$192
State Farm	$158	$195
Direct Auto	$161	$200
Root	$162	$212
Safeco	$173	$224
GEICO	$179	$230
USAA	$193	$242
Bristol West	$214	$265
CSAA	$222	$272
Allstate	$229	$288
Dairyland	$233	$288
State Auto	$233	$300
Travelers	$254	$321
The General	$255	$335
Liberty Mutual	$279	$347
Nationwide	$335	$423

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Louisville residents who cause an accident will find that their auto insurance rates will most likely go up. But some insurance companies offer accident-forgiveness coverage that prevents rate increases for certain types of accidents, or after a specific period of accident-free coverage. 

Louisville drivers with an at-fault accident pay an average of $244 per month for liability-only coverage and $344 for full-coverage insurance.

Here’s a look at how an at-fault accident could affect your liability car insurance rates in Louisville.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
Progressive	$128	$169
National General	$136	$178
Auto-Owners	$152	$196
State Farm	$158	$205
Direct Auto	$161	$218
Root	$162	$209
Safeco	$173	$240
GEICO	$179	$225
USAA	$193	$253
Bristol West	$214	$279
CSAA	$222	$308
Allstate	$229	$299
Dairyland	$233	$306
State Auto	$233	$310
Travelers	$254	$334
The General	$255	$348
Liberty Mutual	$279	$367
Nationwide	$335	$441

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

Driving under the influence of alcohol or drugs is a serious crime. In Kentucky, a first offense can result in a six-month license suspension and 90 days in an alcohol or substance abuse program.^[5]

A DUI violation will increase your car insurance rates significantly and stay on your record for 10 years. In more severe cases, insurance companies may even cancel your coverage or deny you new coverage if you try to buy a policy. But once the DUI is no longer listed on your motor vehicle report, you can anticipate a decrease in your car insurance rates.

On average, Louisville drivers with a DUI pay $242 per month for liability insurance. The following table shows liability insurance rates from top insurers for Kentucky drivers with a DUI on their motor vehicle records.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
Progressive	$128	$167
National General	$136	$188
Auto-Owners	$152	$210
State Farm	$158	$218
Direct Auto	$161	$222
Root	$162	$219
Safeco	$173	$258
GEICO	$179	$238
USAA	$193	$266
Bristol West	$214	$295
CSAA	$222	$306
Allstate	$229	$316
Dairyland	$233	$321
State Auto	$233	$321
Travelers	$254	$350
The General	$255	$352
Liberty Mutual	$279	$385
Nationwide	$335	$462

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: National General

Generally, senior citizens have the lowest car insurance rates of any age group. They tend to drive less than people of working age and have more experience behind the wheel. But despite having a clean driving record, you may see an increase in your car insurance rates once you turn 70.

Older drivers are more likely to be involved in accidents, according to the Insurance Institute for Highway Safety (IIHS). Moreover, if a senior driver does get into an accident, their injuries are typically more severe, leading to higher medical bills and increased costs for the insurance company.

The average cost of car insurance for Louisville seniors is $219 per month for full-coverage insurance and $156 for liability-only coverage.

Here’s a look at average car insurance costs for senior drivers in Louisville.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Auto-Owners	$176	$120
National General	$178	$106
State Farm	$180	$123
Progressive	$191	$108
Direct Auto	$191	$128
CSAA	$205	$171
GEICO	$205	$141
Safeco	$207	$150
USAA	$229	$156
Root	$232	$135
State Auto	$259	$177
Allstate	$271	$186
Travelers	$294	$201
Liberty Mutual	$316	$231
Bristol West	$355	$175
The General	$363	$209
Nationwide	$373	$254
Dairyland	$385	$189

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

Teenage drivers get into crashes almost four times more often per mile driven, according to the IIHS.^[6] Teens are more likely to engage in risky driving behaviors and have less experience handling road hazards like heavy rain and hail during spring storms in Louisville.

As a young driver, you can reduce your car insurance premium and find the most affordable coverage by taking advantage of various discounts. For instance, you can remain on your parents’ insurance policy, drive a safe car, leave your car at home if you go away to school, and earn good grades to qualify for student discounts. Additionally, some insurers reward good driving habits and accident-free records with discounts. You may also be able to get a discount by completing an approved driver education course.

Teen drivers in Louisville face average insurance costs of $346 per month for liability insurance and $488 for full-coverage insurance. The following table illustrates average costs for Louisville teens from some top insurance companies.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Progressive	$424	$239
Auto-Owners	$434	$297
State Farm	$447	$307
CSAA	$460	$384
National General	$471	$279
GEICO	$475	$327
Direct Auto	$475	$320
Safeco	$481	$348
Root	$490	$286
USAA	$530	$360
Allstate	$667	$456
Liberty Mutual	$684	$500
Travelers	$764	$522
The General	$777	$448
Bristol West	$787	$388
Dairyland	$798	$392
State Auto	$836	$571
Nationwide	$969	$660

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Rates start as low as $128/mo. for liability coverage

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Louisville car insurance quotes by credit tier

In Kentucky, it’s legal for insurance companies to take your credit history into account when determining your car insurance premiums. Claims data indicates that people with lower credit scores may be more likely to file a claim. Consequently, if your credit is poor, your insurance cost will be higher.

Drivers with excellent or good credit typically pay significantly less than drivers with poor credit. Here’s a look at how credit can affect full-coverage car insurance costs in Louisville.

Is car insurance more expensive in Louisville?

Yes. Louisville drivers pay high average rates for car insurance, at $185 per month for liability and $261 for full-coverage insurance. This is much higher than the monthly state average costs of $117 for liability and $185 for full coverage and the national average costs of $101 for liability and $179 for full coverage.

Within Kentucky, car insurance generally costs more in the more urban Louisville ZIP codes than in nearby rural and suburban areas. Cars parked in the city are more susceptible to theft, vandalism, and vehicle accidents. Car insurance in Louisville is considerably more expensive than other highly-populated cities in Kentucky, including Bowling Green and Lexington.

More cities in Kentucky

Here’s a look at how Louisville’s car insurance costs compare to average rates in other Kentucky cities. On average, Louisville drivers pay $185 per month for liability and $261 for full-coverage insurance.

City	Liability Only	Full Coverage
Bowling Green	$109	$177
Elizabethtown	$113	$170
Florence	$99	$152
Henderson	$111	$172
Lexington	$119	$179
Madisonville	$95	$160
Owensboro	$95	$149
Paducah	$112	$179
Richmond	$109	$161

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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