The effect of driving habits on car insurance in Louisville
Your driving habits and the type of coverage you purchase will also affect how expensive your coverage is. Drivers with a history of accidents will pay more than someone with a spotless driving record. Speeding tickets and other moving violations will also likely cause your insurance rates to increase.
The tables below outline how different driving infractions could increase your rates.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose to not offer policies to drivers with that infraction. Your actual rate can vary, based on a number of factors other than driving record.
Cheapest car insurance with an accident in Louisville: Grange
Drivers with accident reports on their records, particularly at-fault accidents, tend to pay more in premiums than drivers with clean records. Each insurer assesses rate increases differently, but generally, you’re more likely to see a significant rate increase if you’re the at-fault party in the accident.
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.
Cheapest car insurance with a DUI in Louisville: Safeco
It’s illegal to drive under the influence of drugs and alcohol in Kentucky. Along with fines and license suspensions, drivers who receive a DUI may see their insurance premiums rise. The increase may be higher than those caused by other incidents, such as getting into an accident, and driver’s with DUI/DWIs on their record may have difficulty keeping or getting new coverage.
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.
Cheapest car insurance with a speeding ticket in Louisville: Grange
Certain traffic violations, such as speeding, can also affect your premiums. Although a speeding ticket isn’t as serious an offense as a DUI or at-fault accident, insurers may still raise premiums for drivers with speeding tickets on their records.
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.
Car insurance in other Kentucky cities
Car insurance rates can vary greatly from city to city, even within the same state. Here’s a look at car insurance in other Kentucky cities.