Cheapest Auto Insurance in Louisville, Kentucky (2024)

Auto-Owners offers the cheapest car insurance in Louisville, with minimum-coverage policies as low as $91 per month.

Bob Phillips
Written byBob Phillips
Bob Phillips
Bob Phillips
  • 15+ years in personal finance advising and writing

  • Holds Chartered Life Underwriter (CLU) designation

Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.

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Chris Schafer
Edited byChris Schafer
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 Powers
Headshot of licensed insurance agent Shawn Powers.
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 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.

Updated May 23, 2024

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Cheapest recent rates near Louisville, Kentucky

Drivers using Insurify have found quotes as cheap as $62/mo for liability only and $99/mo for full coverage in Louisville and other Kentucky cities.

*Quotes generated for Insurify users in and around Louisville, Kentucky within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Louisville, Kentucky within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Liability-only car insurance in Louisville costs an average of $282 per month. Louisville drivers pay much more for liability car insurance than the Kentucky state average of $176 per month and the national average of $104.

The city’s high rate of auto theft, which accounts for nearly 10% of its crime so far in 2023, 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.

Quick Facts
  • Auto-Owners, State Farm, and GEICO have the cheapest liability insurance in Louisville.

  • The average cost of full-coverage car insurance in Louisville is $378 per month, which is higher than the state average of $273 and the national average of $215.

  • Louisville has a high population density of more than 4,000 people per square mile, according to U.S. Census data.[2] Population density can contribute to higher accident rates.

3 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 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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$99$62Discounts
National General3.4$119$76Good drivers
State Farm4.6$103$65Teens and young drivers

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.
4.3
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.
$91/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.
$145/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 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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

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.
3.4
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.
$111/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.
$174/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
  • 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

Read our National General review
Brandon - May 22, 2024
Verified

Expensive

I feel they are good but expensive.

Brian - May 20, 2024
Verified

Constantly Raising My Insurance Without Reason

The downside is that they raise my insurance every six months instead of decreasing it, and I'm tired of it. I'm considering switching insurance.

Roderick - May 20, 2024
Verified

Just Checking Prices

Just checking prices.

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.
4.6
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.
$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.
$150/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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

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Find Cheap Car Insurance in Louisville

Liability rates start at $91 per month

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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.

Cheapest liability-only car insurance in Louisville: Auto-Owners

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.

On average, Louisville drivers pay $282 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: Thursday, May 23 at 12:00 PM PDT
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners91
State Farm93
GEICO107
National General111
USAA115
Safeco118
Allstate137
State Auto139
Travelers152
Progressive155
Clearcover162
Liberty Mutual166
Midvale Home & Auto172
Nationwide200
CSAA228
Shelter245
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: 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 $378 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: Thursday, May 23 at 12:00 PM PDT
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners145
State Farm150
GEICO169
National General174
USAA184
Safeco197
Allstate218
State Auto238
Travelers242
Progressive247
Clearcover253
Nationwide282
Midvale Home & Auto288
Liberty Mutual318
CSAA343
Shelter391
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

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

CoverageMinimum 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:

  • 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.[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.

  • 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.[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 $370 per month for liability insurance and $495 for full-coverage insurance.

Shop for Car Insurance in Louisville

Monthly rates start at $112 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 $393 per month for liability insurance and $526 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: Thursday, May 23 at 12:00 PM PDT
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.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners91116
State Farm93118
GEICO107137
National General111157
USAA115147
Safeco118153
Allstate137175
State Auto139193
Travelers152196
Progressive155198
Clearcover162209
Liberty Mutual166234
Midvale Home & Auto172227
Nationwide200258
CSAA228300
Shelter245326
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: Auto-Owners

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 $387 per month for liability-only coverage and $519 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: Thursday, May 23 at 12:00 PM PDT
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.

Insurance CompanyClean Driving RecordWith Accident
Auto-Owners91118
State Farm93121
GEICO107140
National General111144
USAA115150
Safeco118149
Allstate137178
State Auto139200
Travelers152199
Progressive155206
Clearcover162225
Liberty Mutual166237
Midvale Home & Auto172237
Nationwide200263
CSAA228312
Shelter245333
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: Auto-Owners

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 $443 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: Thursday, May 23 at 12:00 PM PDT
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.

Insurance CompanyClean Driving RecordWith DUI
Auto-Owners91148
State Farm93151
GEICO107174
National General111180
USAA115187
Safeco118192
Allstate137223
State Auto139226
Travelers152247
Progressive155252
Clearcover162263
Liberty Mutual166270
Midvale Home & Auto172280
Nationwide200325
CSAA228371
Shelter245398
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: Auto-Owners

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 $309 per month for full-coverage insurance and $230 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: Thursday, May 23 at 12:00 PM PDT
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.

Insurance CompanyFull Coverage Liability Only
Auto-Owners11371
State Farm11571
GEICO13384
National General13989
USAA14591
Safeco15794
Allstate174109
Progressive176111
State Auto182106
Travelers188118
Clearcover200128
Nationwide209148
Midvale Home & Auto217130
Liberty Mutual249130
CSAA267177
Shelter273171
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: Auto-Owners

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.

Teen drivers in Louisville face average insurance costs of $520 per month for liability insurance and $697 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: Thursday, May 23 at 12:00 PM PDT
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.

Insurance CompanyFull Coverage Liability Only
Auto-Owners253159
State Farm257159
GEICO269171
USAA309193
National General328209
Allstate386242
Safeco416249
State Auto426249
Travelers440277
Progressive452284
Nationwide487346
Clearcover497318
Midvale Home & Auto507303
CSAA571379
Liberty Mutual598312
Shelter682427
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.

Compare Quotes for Louisville Car Insurance

Rates start as low as $91/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 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 full-coverage 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?

Yes. Louisville drivers pay high average rates for car insurance, at $282 per month for liability and $378 for full-coverage insurance. This is much higher than the monthly state average costs of $176 for liability and $273 for full coverage and the national average costs of $104 for liability and $215 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 $282 per month for liability and $378 for full-coverage insurance.

CityLiability OnlyFull Coverage
Bowling Green$161$259
Elizabethtown$186$311
Florence$101$206
Henderson$170$305
Lexington$161$262
Madisonville$152$264
Owensboro$127$196
Paducah$171$283
Richmond$177$258
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 $378. Liability-only coverage costs an average of $282 in Louisville. How much you pay for coverage ultimately depends on your driving record, credit history, age, chosen coverage, and more.

  • Who has the cheapest car insurance in Louisville?

    With a liability insurance rate of $91 per month, Auto-Owners is the cheapest car insurance company in Louisville. State Farm and GEICO also offer cheap coverage, with respective liability rates of $93 and $107 per month.

  • What are the best car insurance companies in Louisville?

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

    State Farm has an average J.D. Power rating of 833, an Insurify Quality (IQ) Score of 4.6 out of 5, and Kentucky liability insurance starting as low as $65 per month. GEICO’s average J.D. Power rating for customer satisfaction is 818, and it has an IQ Score of 4.4. Finally, USAA — which serves only active-duty military, veterans, and their families — has an IQ Score of 4.7 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 average cost of car insurance in Indiana is $69 per month for liability insurance and $140 for full coverage. Kentucky drivers pay an average of $176 for liability insurance and $273 for full coverage.

  • 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.

Sources

  1. Louisville Metro Open Data. "Crime Data."
  2. United States Census Bureau. "QuickFacts Louisville city, Kentucky."
  3. Insurance Research Council. "One in Eight Drivers Uninsured."
  4. Kentucky Department of Insurance. "No Fault Rejection/Verification (PIP)."
  5. Commonwealth of Kentucky Drive.ky.gov. "DUI Penalties."
  6. Insurance Institute for Highway Safety. "Teenagers."
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.

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
Headshot of licensed insurance agent Shawn Powers.
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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