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Cheap Auto Insurance Quotes in Louisville, KY (January 2022)
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Last Updated: January 2022
Car Insurance in Louisville, KY
The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Louisville, KY to find you the cheapest quotes in the area.
$132
$215
$341
$402
ProgressiveTravelersState FarmThe General
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Cheapest Car Insurance in Louisville, KY
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Louisville | |
|---|---|
Progressive | $132/mo |
 Travelers | $215/mo |
 State Farm | $341/mo |
 The General | $402/mo |
Average Car Insurance Cost
| Bowling Green | $155/mo |
| Owensboro | $137/mo |
| Covington | $148/mo |
| Richmond | $200/mo |
| Louisville | $273/mo |
| Kentucky | $183/mo |
$183
$155
$137
$148
$200
$273
KentuckyBowling GreenOwensboroCovingtonRichmondLouisville
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Louisville, KY Driving Facts
Minimum Car Insurance Requirements in KY
All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $10,000/person Personal Injury Protection (PIP)
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky.
Find local Louisville agents
Durrett Insurance Agency, LLP
6004 Brownsboro Park Blvd. Suite C, Louisville, KY 40207
Ditsler Insurance Agency LLC
1313 LYNDON LN STE 102, Louisville, KY 40222
Jerry Kays Insurance, Inc.
3701 Taylorsville Rd, Louisville, KY 40220
Burns Insurance, Inc.
207 Breckenridge Ln, Louisville, KY 40207
Insuramax, Inc.
2200 Greene Way, Louisville, KY 40220
Consumer Choice Independent Insurance, LLC
8401 Shelbyville, Louisville, KY 40222
Hyland Insurance Agency
9750 Ormsby Station Road, Suite 200, Louisville, KY 40223-9889
R.H. Clarkson Insurance Agency
401 W. Main Street - Suite 1500, Louisville, KY 40202
Norman Hatter Insurance Agency, Inc.
5300 Bardstown Road, Louisville, KY 40291
Kiely Hines & Associates
6100 Dutchmans Lane - 10th Floor, Louisville, KY 40205
Insurify Insights: How Louisville Drivers Measure Up
Louisville, KY
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Louisville drivers measure up to their fellow Kentucky motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Louisville
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Louisville drivers rank 17 in the number of car accidents per driver across all cities in Kentucky.
- Rank within state: #17
- Percent of drivers in Louisville with an accident: 9.18%
- Drivers in Louisville, KY with an accident in their driving history paid on average 26.6% more than drivers with a clean record
Speeding in Louisville
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Louisville drivers rank 27 in the number of speeding infractions per driver.
- Rank within state: #27
- Percent of drivers in Louisville with a speeding ticket: 6.45%
- Drivers in Louisville, KY with a speeding ticket in their driving history paid on average 26.6% more than drivers with a clean record
DUI/DWIs in Louisville
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Louisville drivers rank 36 in the number of DUI’s per driver across all cities in Kentucky.
- Rank within state: #36
- Percent of drivers in Louisville with a DUI: 1.43%
- Drivers in Louisville, KY with a DUI in their driving history paid on average 9.62% more than drivers with a clean record
Most Popular Vehicle in Louisville
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Louisville is the Chevrolet Malibu.
Rude Drivers in Louisville
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kentucky, Louisville drivers rank 12 in rude driving infractions.
- Rank within state: #12
- Percent of drivers in Louisville with a reckless driving violation: 0.87%
- Drivers in Louisville, KY with a reckless driving violation in their driving history paid on average 20.19% more than drivers with a clean record.
Safest Drivers in Louisville
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Louisville drivers rank 5 in clean driving records across all cities in Kentucky.
- Rank within state: #5
- Percent of drivers in Louisville with clean record: 84.76%
Failure to Yield the Right of Way in Louisville
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Louisville drivers rank 10 in failure to yield violations per driver across all cities in Kentucky.
- Rank within state: #10
- Percent of drivers in Louisville with a failure to yield violation: 0.09%
- Drivers in Louisville, KY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Louisville
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kentucky, Louisville drivers rank 8 in the number of reckless driving offenses per driver.
- Rank within state: #8
- Percent of drivers in Louisville with a reckless driving offense: 0.05%
Hybrid/Electric Vehicle Ownership in Louisville
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Louisville drivers rank 17 in hybrid and electric vehicle ownership across all cities in Kentucky.
- Rank within state: #17
- Percent of drivers in Louisville with a hybrid/electric vehicle: 0.5%
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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