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.
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.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Konstantin HalachevVP of Engineering & Data Science
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.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Liability-only car insurance in Louisville costs an average of $288 per month. Louisville drivers pay much more for liability car insurance than the Kentucky state average of $186 per month and the national average of $105.
The city’s high rate of auto theft 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 $398 per month, which is higher than the state average of $292 and the national average of $214.
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, your budget, 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 Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
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.
$88/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.
$142/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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8/10
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.
$109/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.
$169/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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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.
$92/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.
$148/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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
Find Cheap Car Insurance in Louisville
Liability rates start at $88 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Choose a vehicle with a good safety rating. Insurers often offer discounts for safety equipment and technology.
Maintain a clean driving record.
Review your deductibles and coverage limits. Higher collision and comprehensive 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
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. Liability-only policies typically work best for drivers with older, inexpensive, and paid-off vehicles.
On average, Louisville drivers pay $288 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $398 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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.
Car insurance requirements in Kentucky
To drive legally in Kentucky, you’ll need to have at least the following amount of coverage:
Coverage
Minimum 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:
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.
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.
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.
Medical payments coverage
Also known as MedPay, this optional coverage can help pay your or your passengers’ medical bills in a covered accident.
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 $377 per month for liability insurance and $520 for full-coverage insurance.
Shop for Car Insurance in Louisville
Monthly rates start at $108 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $396 per month for liability insurance and $547 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $401 per month for liability-only coverage and $554 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 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 $458 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $327 per month for full-coverage insurance and $237 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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. You may also be able to get a discount by completing an approved driver education course.
Teen drivers in Louisville face average insurance costs of $528 per month for liability insurance and $730 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: Monday, July 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
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 $88/mo. for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 is poor, your insurance cost will be higher.
Drivers with excellent or good credit typically pay significantly less than drivers with poor credit. 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 $288 per month for liability and $398 for full-coverage insurance. This is much higher than the monthly state average costs of $186 for liability and $292 for full coverage and the national average costs of $105 for liability and $214 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 $288 per month for liability and $398 for full-coverage insurance.
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 $398. Liability-only coverage costs an average of $288 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 $88 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 $92 and $105 per month.
What are the best car insurance companies in Louisville?
State Farm has an average J.D. Power rating of 833, an Insurify Quality (IQ) Score of 9.3 out of 5, and Kentucky liability insurance starting as low as $64 per month. GEICO’s average J.D. Power rating for customer satisfaction is 818, and it has an IQ Score of 9.0. Finally, USAA — which serves only active-duty military, veterans, and their families — has an IQ Score of 9.4 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 $70 per month for liability insurance and $144 for full coverage. Kentucky drivers pay an average of $186 for liability insurance and $292 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.
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.
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.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Konstantin HalachevVP of Engineering & Data Science
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.
)
)
){kind=small}
){kind=small}
)
)
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
)
)
)
Auto-Owners
National General
State Farm
)
)
)
)
)
)
)
)