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Cheap Auto Insurance Quotes in Louisville, KY (2023)

Kemper Preferred, Travelers, and Grange offer the cheapest car insurance for full-coverage insurance in Louisville.

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Nick Dauk
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Nick Dauk
Nick Dauk
Written by
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Katie Powers
Edited by
Katie Powers
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Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Jenny Beeler
Reviewed by
Jenny Beeler
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Reviewed by
Jenny Beeler
Licensed Insurance Agent at Insurify
Jenny Beeler is a digital Insurance agent at Insurify's in-house agency. Holding degrees from Tusculum University and the University of Tennessee, she is a licensed insurance agent specializing in property, casualty, life, and health insurance.

Updated December 21, 2022

Minimum-coverage car insurance in Louisville costs an average of $379 per month — $132 more than Kentucky’s average of $267 per month. Your car insurance quote will vary due to factors like your driving history, age, credit, and the type of car you drive.

Comparing rates from multiple insurers will help you find the best auto insurance policy for your needs. Here are some of the cheapest car insurance quotes in Louisville.

How much does car insurance cost in Louisville?

Car insurance costs in Louisville can vary widely depending on a number of factors like your age, vehicle, and driving history. Insurers may also offer significantly different rates for very similar policies. For instance, liability-only coverage in Louisville could cost you between $157 and $458 per month, depending on the insurer you pick, while full coverage could range from $184 to $615 per month.

It’s important to compare quotes from multiple companies to get the best rate and coverage that meets your needs. Insurify’s data scientists analyzed the latest insurance rates in Louisville to identify the three cheapest insurers in the area:

  • Travelers has the cheapest liability-only insurance coverage in Louisville, at $157 per month.

  • Kemper Preferred has the cheapest full-coverage insurance in Louisville, at $184 per month.

  • Travelers has the cheapest insurance for new or young drivers in Louisville, at $214 per month.

Check Out: Cheap Car Insurance in Kentucky

Average cost of auto insurance in Louisville

The average cost of auto insurance in Louisville is $349 per month. This includes both liability-only and full-coverage policies. The following table illustrates the average monthly ranges for 13 local insurers. Keep in mind that these averages are based on a variety of factors. Your specific quote may be different.

Insurance CompanyAverage Cost
State Auto$132–$438
Kemper Preferred$155–$170
Travelers$245–$301
Grange$197–$383
Safeco$112–$237
SafeAuto$121–$240
Progressive$279–$328
Nationwide$147–$524
Midvale Home & Auto$134–$580
Liberty Mutual$168–$412
The General$163–$289
Bristol West$163–$345
Clearcover$162–$436
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.

Average car insurance premiums in Louisville by marital status

Your marital status can affect your car insurance premiums. While your relationship status doesn’t directly influence your rate, choosing to add your partner to your policy will. In some instances, it may be cheaper to be on one policy with your spouse than to have two separate policies.

For example, in Louisville, the average monthly cost for full-coverage policies is $513 for a married policyholder, while an unmarried policyholder pays $397.

Adding your spouse to your car insurance policy could also increase your overall monthly costs. Because insurers use credit history and driving history to determine rates, a spouse with poor credit or a bad driving record may be more expensive to insure.

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Cheapest car insurance in Louisville: Travelers

The cheapest car insurance in Louisville is a $157 per month liability-only policy from Travelers.

Many factors affect how much you’ll pay for car insurance. Along with unique factors like your driving record, how much you drive, and your age, insurers also consider general details, like the type of coverage you select, the car you drive, and your location.

Not all companies weigh these factors in the same manner, so you may discover that auto insurance rates across companies and locations vary widely.

Insurance CompanyInsurify Composite Score (ICS)Liability OnlyFull Coverage
Travelers80$157$237
Safeco86$184$256
Progressive80$237$308
Nationwide89$314$367
Liberty Mutual82$335$414
Clearcover97$451$615
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.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score 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.

How much car insurance do you need in Louisville?

The state of Kentucky mandates that all motor vehicles have insurance coverage, including those operated or parked on state roadways. The minimum liability insurance requirements for private passenger vehicles in Louisville are:[1]

  • $10,000 per accident for personal injury protection coverage (also referred to as PIP) to cover the policyholder for medical expenses that they incur in an accident

  • $25,000 per accident for property damage if the driver is at fault for property damage to the involved parties

  • $25,000 per person/$50,000 per accident for bodily injury coverage to cover medical bills for those other than the policyholder who are injured during an accident

Remember that Kentucky is a no-fault state, which means that both parties’ insurance providers will pay for medical expenses, regardless of which driver caused the accident.

All Kentucky drivers must carry proof of insurance with them at all times when operating their vehicle and must present it when law enforcement requests it, when renewing vehicle registration, and when the vehicle is involved in an accident.

Kentucky DMV information

The Kentucky Transportation Cabinet operates the Kentucky Department of Motor Vehicles. This service assists drivers with a variety of administrative tasks throughout the state, such as:

  • Renewing their driver’s licenses

  • Picking up license plates

  • Registering their vehicles

More tools and resources for drivers are available through the DMV’s online portal.[2]

How to get cheap car insurance in Louisville

Insurance premiums can be a hefty expense, which is why it’s always a good idea to find ways to lower your car insurance rate. Maintaining both a good driving record and a good credit score is helpful in the long run, but you can be proactive in the short term as well.

You should also ask your current insurer if there’s any way to lower your premium without minimizing your coverage or raising your deductible, such as by applying for discounts or taking driver training courses. Inquire about lower rates when you combine your auto insurance with homeowners insurance or another policy. You can also ask whether you or those on your policy are eligible for any discounts.

Insurers differ in how they set rates, even when it’s for the same policy. This is why you should always compare car insurance quotes. You could save hundreds of dollars per year with a different insurer while still retaining the coverage you need. You can easily shop around for insurance by using a comparison website, where you can compare policies and prices from various insurers for the same policy on the same page.

Check Out: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Louisville

Age is an important factor when it comes to setting car insurance rates. For instance, accidents are exponentially more likely to happen to teenage drivers than to middle-aged drivers.[3] The table below shows the average car insurance rate for Louisville drivers based on their age group.

Age GroupAverage Monthly Rate
Teenagers$846
Under 25$538
25–29$375
30s$348
40s$337
50s$311
60s$286
70s$283
80s$281
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.

See Also: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Louisville

The cheapest car insurance provider for young drivers in Louisville is Travelers, according to Insurify’s proprietary database of more than 70 million quotes. But you might find cheaper rates with other insurers. While shopping around for a policy, young drivers should ask their insurer whether any discounts apply to them, such as discounts for:

  • Being a good student

  • Having no moving violations or accidents within three years

  • Having low annual mileage

  • Taking a driver’s education or defensive driving course 

  • Having anti-theft devices in the car

  • Being a college student away from home

Insurance CompanyAverage Monthly Quote
Travelers$214
Kemper Preferred$226
Safeco$300
SafeAuto$302
State Auto$304
Midvale Home & Auto$358
Progressive$388
Nationwide$434
Liberty Mutual$437
Clearcover$584
Bristol West$588
The General$663
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 for middle-aged drivers in Louisville

The cheapest car insurance for middle-aged drivers in Louisville is Kemper Preferred, according to Insurify’s proprietary database of more than 70 million quotes. Middle-aged drivers should ask their insurer about any discounts applicable to them, such as discounts for:

  • Anti-theft devices in the car

  • Bundling auto and homeowners coverage with the same company

  • Taking defensive driving courses

  • Having good credit

  • Having low annual mileage

  • Being a longtime customer

  • Insuring more than one car

  • Having no accidents in the past three years

  • Having no moving violations in the past three years

Insurance CompanyAverage Monthly Quote
Kemper Preferred$175
SafeAuto$176
Travelers$195
Grange$203
Safeco$230
Midvale Home & Auto$245
State Auto$246
Progressive$260
Liberty Mutual$284
Nationwide$321
The General$394
Bristol West$405
Clearcover$429
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 for senior drivers in Louisville

The cheapest car insurance for senior drivers in Louisville is Travelers, according to Insurify’s proprietary database of more than 70 million quotes. Senior drivers should ask their insurer about any discounts they might be eligible for, such as discounts for:

  • Being an AARP member

  • Bundling auto and homeowners coverage with the same company

  • Having no moving violations or accidents within three years

  • Having low annual mileage

  • Having good credit

  • Having anti-theft devices in the car

  • Being a longtime customer

  • Insuring more than one car

Insurance CompanyAverage Monthly Quote
Travelers$153
SafeAuto$154
Midvale Home & Auto$181
Safeco$188
Kemper Preferred$188
Progressive$202
Grange$208
Liberty Mutual$223
State Auto$223
Nationwide$245
Clearcover$328
Bristol West$340
The General$431
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.

How credit scores affect cheap car insurance in Louisville

Some insurers use credit-based insurance scores in conjunction with other factors to price car insurance policies. This score uses information from your credit report, and while it doesn’t take into account income, it may factor in your credit score.

A lower credit score could negatively influence your insurance score, while a higher credit score could make you eligible for a discounted premium. Credit scores between 300 and 579 on the FICO Score range are considered poor, fair if they’re between 580 and 669, and good if they’re between 670 and 739, according to Experian.[4]

While some states ban or limit insurers from using credit scores to set rates, the state of Kentucky doesn’t.[5] Check out the average car insurance rate for Louisville drivers based on their credit score:

Credit TierAverage Monthly Quote
Excellent$275
Good$359
Fair$397
Poor$425
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.

Also See: Car Insurance Rates by Credit Tier

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.

Car Insurance CompanyClean RecordWith AccidentDifference
Travelers$189$196+$7
Kemper Preferred$170$214+$44
Safeco$225$286+$61
SafeAuto$211$332+$121
Midvale Home & Auto$241$398+$157
Progressive$283$379+$96
Liberty Mutual$312$347+$35
State Auto$223$332+$109
Nationwide$310$362+$52
Bristol West$430$543+$113
The General$461$678+$217
Clearcover$417$666+$249
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.

Car Insurance CompanyClean RecordWith DUIDifference
Travelers$189$239+$50
Safeco$225$163-$62
SafeAuto$211$370+$159
Midvale Home & Auto$241$307+$66
Progressive$283$349+$66
Liberty Mutual$312$273-$39
Nationwide$310$634+$342
Bristol West$430$448+$18
The General$461$493+$32
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.

Car Insurance CompanyClean RecordWith Speeding TicketDifference
Grange$209$242+$33
Travelers$189$246+$57
Kemper Preferred$170$279+$109
Safeco$225$313+$88
SafeAuto$211$324+$113
Midvale Home & Auto$241$369+$128
Progressive$283$396+$113
Liberty Mutual$312$405+$93
State Auto$223$417+$109
Nationwide$310$497+$187
Bristol West$430$616+$186
The General$461$648+$187
Clearcover$417$748+$331
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.

How to save on car insurance in Louisville

Most drivers aim to have the cheapest car insurance policy possible. You have many ways to save on car insurance in Louisville, even if you don’t qualify for the lowest rates. Check out these tips to reduce your auto insurance costs.

Shop around and compare

It’s wise to shop around for a cheaper policy annually or even bi-annually so you can make sure you’re getting the best deal. You may qualify for lower rates or discounts that you didn’t in the past, or you could find a company willing to give you the same coverage at a better price.

The Insurance Information Institute encourages drivers to compare at least three different insurance companies. This is a lot easier to do if you use an insurance-comparison website that lets you compare policies and prices from a variety of insurers on the same page.

Modify your current policy

You can save money on your premium by raising your deductible. If you choose to do this, it’s wise to set aside money to put toward your deductible if you need to file a claim. Another policy change you can make is to reduce optional insurance on an older vehicle that may not be worth the extra coverage.

Inquire about discounts

Many insurers offer a variety of discounts for new and existing policyholders. From low mileage and safe driving to discounts for bundling with other policies like homeowners insurance, you may be able to lower your premium with one or more unique discounts.

Louisville driving conditions

Louisville ranks as the 175th most traffic-congested city in the United States, according to the 2021 Global Traffic Scorecard. This is a substantial improvement from its 2016 ranking of 44th.

The Kentucky Crash Data Five-Year Report analyzed vehicular accidents reported between 2017 and 2021. In Jefferson County, where Louisville is, the population was listed at 777,874. The report identified 85,142 crashes, 24,207 (28%) of which were fatal or caused injury.

Fayette County, the next-largest Kentucky county, had a population of 321,793, with 41,525 crashes identified, 10,099 (24%) of which were fatal or caused injury.[6]

Although Louisville’s traffic congestion has improved over the years, its high population may contribute to a higher likelihood of accidents.

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
View more

Louisville car insurance FAQs

To help you find the best rate on car insurance in Louisville, check out the answers to these frequently asked questions.

  • The average cost of car insurance in Louisville, when considering both full-coverage and liability-only policies, is $349 per month, or $4,188 per year. In comparison, the Kentucky state average is $267 per month, or $3,204 per year — 141% less.

  • All vehicle owners in Kentucky are required to have minimum liability coverage. This means either having a single-limit policy of $60,000 or $25,000 in coverage for property damage, $25,000 per person for bodily injury damages, and at least $50,000 per accident for bodily injury damages.

  • Kentucky state law mandates that drivers must have the minimum liability insurance to operate a vehicle in the state. Uninsured motorists risk their registration being canceled, may be fined up to $1,000, or face up to 90 days in jail.

  • In Louisville, Travelers offers the cheapest liability-only policy, at an average of $1,884 per year. Kemper Preferred offers the cheapest full-coverage policy, at an average of $2,208 per year. Along with Kemper Preferred and Travelers, Grange has the third-lowest prices, at an average of $2,508 per year for drivers with clean records.

  • Travelers offers some of the best and cheapest coverage for Louisville drivers, according to Insurify’s research. It offers policies at an average monthly cost of $157, and the company has an ICS of 80.

  • According to Insurify’s proprietary data, this is how Louisville ranks compared to other cities in Kentucky:

    • 53 in number of accidents per driver

    • 81 in number of DUIs per driver

    • 61 in number of reckless driving offenses per driver

    • 75 in number of speeding infractions per driver

    • 60 in rude driving infractions per driver

    Additionally, Louisville ranks No. 34 in clean driving records across all cities, with 82.2% of drivers having a clean record.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Kentucky Transportation Cabinet. "Mandatory Insurance." Accessed December 15, 2022
  2. Kentucky Transportation Cabinet. "Driver Licensing Service Options." Accessed December 15, 2022
  3. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed December 15, 2022
  4. Experian. "What Is a Good Credit Score?." Accessed December 15, 2022
  5. Kentucky Department of Insurance. "Credit Scoring: How Does it Affect You?." Accessed December 15, 2022
  6. Kentucky Transportation Cabinet. "Kentucky Traffic Records and Reports." Accessed December 15, 2022
Nick Dauk
Written by
Nick Dauk
Linkedin

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

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Katie Powers
Edited by
Katie Powers
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Insurance Writer

Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Jenny Beeler
Reviewed by
Jenny Beeler

Licensed Insurance Agent at Insurify

Icon of a woman
Reviewed by
Jenny Beeler
Licensed Insurance Agent at Insurify
Jenny Beeler is a digital Insurance agent at Insurify's in-house agency. Holding degrees from Tusculum University and the University of Tennessee, she is a licensed insurance agent specializing in property, casualty, life, and health insurance.