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Best Cheap Auto Insurance in Louisville, Kentucky (2023)

Auto-Owners, State Farm, and National General are among the best companies in Kentucky’s biggest city, where drivers pay an overall average of $258 per month for car insurance.

Bob Phillips
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Bob Phillips

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Konstantin Halachev
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Updated November 17, 2023 at 6:30 AM PST

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Louisville drivers pay, on average, 32% more for car insurance than the Kentucky state average. Liability-only car insurance costs an average of $248 per month in Louisville, while full coverage costs $267.

The city’s high rate of auto theft, which accounts for nearly 10% of its crime so far in 2023[1], likely contributes to the higher costs of car insurance in Louisville.

Comparison shopping could help Louisville drivers find rates as low as $93 for a liability-only policy. Here’s what you need to know to find cheap car insurance in Louisville.

Quick Facts

  • Louisville’s municipal government has launched “Vision Zero Louisville” — a safety initiative aimed to “eliminate traffic deaths on our streets by 2050.”

  • An at-fault accident could push your car insurance to $351 or more in Louisville.

  • Louisville has a high population density of more than 4,000 people per square mile, according to U.S. Census data. Population density can contribute to accident rates.

Best car insurance companies in Louisville

Auto-Owners, National General, and State Farm are among the best car insurance companies in Louisville. Good drivers can find favorable rates with Auto-Owners.

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, deductible, credit score, marital status, and more. The best car insurance company for one person may not be suitable for another.

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

Best insurer for discounts: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$93/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.
$130/mo

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 available 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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for good drivers: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$102/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.
$159/mo

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

  • 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

My monthly payments are too high.

Brett - January 17, 2023
Verified

They’ve had good rates for more than five years.

Diana - January 17, 2023
Verified

They have the best prices for car insurance.

Charde - December 23, 2022
Verified
Read our National General review

Best insurer for teens and young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$97/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.
$134/mo

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

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Find Cheap Car Insurance in Louisville

Rates start as low as $93 for liability coverage

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Cheapest liability-only car insurance in Louisville

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.

The following table provides examples of liability insurance costs for Louisville drivers. On average, Louisville drivers pay $248 per month for liability-only coverage.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 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.

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Insurance CompanyAverage Monthly Quote
Auto-Owners93
State Farm97
National General102
GEICO109
Safeco116
USAA118
Allstate140
State Auto141
Liberty Mutual151
Travelers156
Midvale Home & Auto159
Progressive159
Clearcover184
Nationwide204
Bristol West220
CSAA230
Shelter250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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 $267 per month, on average. Here’s a look at what Louisville drivers can expect to pay for full-coverage car insurance from some top insurers in the city.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 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.

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Insurance CompanyAverage Monthly Quote
Auto-Owners130
State Farm134
GEICO153
National General159
USAA167
Allstate196
Travelers208
Safeco218
Clearcover219
Progressive222
State Auto227
Nationwide238
Midvale Home & Auto257
Liberty Mutual270
CSAA332
Shelter352
Bristol West402
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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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Car insurance requirements in Kentucky

Kentucky is one of 49 states and Washington, D.C., that requires car insurance. To drive legally in Louisville, you’ll need to have at least the following amount of coverage:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Nearly 14% of Kentucky drivers don’t have car insurance, according to the Insurance Research Council.[2] 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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.[3]

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 violations on their record are at higher risk of filing claims, so insurers adjust their rates accordingly.

The overall average cost of car insurance for Louisville drivers with traffic incidents on their motor vehicle records is $326 per month.

Shop for Car Insurance in Louisville, Kentucky

Rates start as low as $93 for liability coverage

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Cheapest car insurance for drivers with a speeding ticket

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 overall average cost of car insurance is $258 per month. Drivers with a speeding ticket, however, pay $338 on average.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners170122
State Farm176127
GEICO201143
National General209134
USAA219155
Allstate257184
Travelers273205
Safeco286152
Clearcover287241
Progressive291209
State Auto298185
Nationwide312268
Midvale Home & Auto337209
Liberty Mutual354198
CSAA435302
Shelter462328
Bristol West527289
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Louisville residents who cause an accident will find that their auto insurance rates will most likely go up. However, 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 $337 per month for liability-only coverage.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners177126
State Farm182132
GEICO208148
National General216139
USAA227160
Allstate266190
Travelers283212
Safeco296158
Clearcover298250
Progressive302216
State Auto308192
Nationwide323277
Midvale Home & Auto349216
Liberty Mutual367205
CSAA451312
Shelter478340
Bristol West546299
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How Long Does an Accident Affect Your Car Insurance Rates?

How Long Does an Accident Affect Your Car Insurance Rates?

Cheapest car insurance for drivers with a DUI

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.[4] 

A DUI violation will drive car insurance rates up 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. However, 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 $387 per month for liability insurance. The following table shows 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, November 7 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners203145
State Farm209151
GEICO238170
National General248159
USAA260184
Allstate305218
Travelers324243
Safeco340181
Clearcover341287
Progressive346248
State Auto354220
Nationwide371318
Midvale Home & Auto401248
Liberty Mutual421235
CSAA517358
Shelter549390
Bristol West627343
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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. However, despite having a clean driving record, you may see an increase in your car insurance rates once you turn 75.

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

The overall average cost of car insurance for Louisville seniors is $206 per month.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners8762
State Farm8965
GEICO10273
National General10668
USAA11179
Allstate13193
Travelers139104
Safeco14577
Clearcover146123
Progressive148106
State Auto15194
Nationwide159136
Midvale Home & Auto171106
Liberty Mutual180101
CSAA221153
Shelter235167
Bristol West268147
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Teenage drivers get into crashes almost four times more often per mile driven, according to the IIHS.[5] 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.

The overall average monthly cost of car insurance for teen drivers in Louisville is $477. The following table illustrates rates for Louisville teens from some top insurance companies.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering

  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners240172
State Farm248179
GEICO283201
National General294188
USAA309218
Allstate362259
Travelers384288
Safeco403214
Clearcover405340
Progressive410294
State Auto419261
Nationwide440377
Midvale Home & Auto475294
Liberty Mutual499279
CSAA613425
Shelter650462
Bristol West743407
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

  • Maintain a clean driving record.

  • Review your deductibles and coverage limits. Higher 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.

Compare Quotes for Louisville Car Insurance

Rates start as low as $93 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 score 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 score is low, your insurance cost will be higher.

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

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Louisville?

Due to several factors, car insurance generally costs more in Louisville and its urban ZIP codes compared to nearby rural and suburban areas. Cars parked in the city are more susceptible to theft, vandalism, and accidents.

Louisville is also considerably more expensive than other larger 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 those in other Kentucky cities.

CityAverage Monthly QuoteCompared to Louisville
Bowling Green$271-32%
Elizabethtown$271-32%
Lexington$283-29%
Paducah$272-31%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Louisville car insurance FAQs

Whether you’re wondering how much car insurance to buy, whether you need full coverage, or what the best car insurance companies are, it pays to research your Louisville car insurance options. Here are answers to some commonly asked questions to get you started.

  • How much is car insurance in Louisville?

    The average cost of full-coverage car insurance in Louisville is $267. Liability-only coverage costs an average of $248 in Louisville.

  • Who has the cheapest car insurance in Louisville?

    Auto-Owners, State Farm, and GEICO have the cheapest car insurance rates in Louisville.

  • What are the best car insurance companies in Louisville?

    State Farm, GEICO, and USAA are among the best-rated car insurance companies in Louisville. 

    State Farm has an average J.D. Power rating of 833 and an Insurify Quality (IQ) Score of 4.4. GEICO’s average J.D. Power rating for customer satisfaction is 818, and its IQ Score is 4.2. Finally, USAA — which serves only active-duty military, veterans, and their families — has an IQ Score of 4.3 and an average J.D. Power rating of 876.

    All three insurers have AM Best financial strength ratings of A++ (Superior), the highest rating given.

  • Is car insurance cheaper in Indiana or Kentucky?

    Car insurance is generally cheaper in Indiana than in Kentucky. The overall average cost of car insurance in Indiana is $101, and car insurance costs $192 in Kentucky.

  • How long do you have to get insurance after buying a car in Kentucky?

    You’ll need to show proof of insurance to register a vehicle in Kentucky, or to renew a vehicle registration. The state says you’re not allowed to operate a vehicle until you’ve insured it, so you’ll need to get coverage for your new car right away.

    Fortunately, comparison sites make it easy to compare quotes and get car insurance coverage quickly — often within the same day you apply.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

More cities in Kentucky

Popular cities

Sources

  1. Louisville Metro Open Data. "Crime Data." Accessed August 4, 2023
  2. Insurance Research Council. "One in Eight Drivers Uninsured." Accessed August 14, 2023
  3. Kentucky Department of Insurance. "No Fault Rejection/Verification (PIP)." Accessed August 14, 2023
  4. Commonwealth of Kentucky Drive.ky.gov. "DUI Penalties." Accessed August 4, 2023
  5. Insurance Institute for Highway Safety. "Teenagers." Accessed August 14, 2023
Bob Phillips
Bob Phillips


Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

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Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor

  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
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Shawn PowersVP of Insurance Sales at Insurify

  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering

  • 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.

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