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Cheap Auto Insurance Quotes in Louisville, KY (October 2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by Licensed Insurance Agent at Insurify, Jenny Beeler

Updated August 31, 2022

Car Insurance in Louisville, KY

The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Louisville, KY to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Louisville is $311 per month, or $3732 annually.

  • Car insurance in Louisville is $76 more than the average cost of car insurance in Kentucky.

  • The cheapest car insurance provider in Louisville on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$132
Travelers
$215
State Farm
$341
The General
$402

See More:

Cheapest Car Insurance in Louisville, KY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in LouisvilleQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$132 /mo
Travelers$215 /mo
State Farm$341 /mo
The General$402 /mo

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Average Car Insurance Cost

Kentucky Cities
Bowling Green$155/mo
Owensboro$137/mo
Covington$148/mo
Richmond$200/mo
Louisville$273/mo
Kentucky$183/mo
Owensboro
$137
Covington
$148
Bowling Green
$155
Average for KY
$183
Richmond
$200
Louisville
$273

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Kentucky

All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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

FAQs - Louisville, KY Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Insurify Insights

How Louisville Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Louisville, Kentucky below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Louisville drivers measure up to their fellow motorists across Kentucky in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford Fusion

Most Popular Car in Louisville

#75

City with the Most Speeding Tickets Rank in Kentucky

#72

City with the Most Moving Violations Rank in Kentucky

#81

City with the Most DUIs Rank in Kentucky

#50

City with the Most Suspended Licenses in Kentucky

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Louisville drivers rank 53 in the number of car accidents per driver across all cities in Kentucky.

    • Rank within state: #53
    • Percent of drivers in Louisville with an accident: 7.2%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Louisville drivers rank 81 in the number of DUI’s per driver across all cities in Kentucky.

    • Rank within state: #81
    • Percent of drivers in Louisville with a DUI: 1.1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kentucky, Louisville drivers rank 61 in the number of reckless driving offenses per driver.

    • Rank within state: #61
    • Percent of drivers in Louisville with a reckless driving offense: 0.4%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kentucky, Louisville drivers rank 60 in rude driving infractions.

    • Rank within state: #60
    • Percent of drivers in Louisville with a reckless driving violation: 0.4%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Louisville drivers rank 75 in the number of speeding infractions per driver.

    • Rank within state: #75
    • Percent of drivers in Louisville with a speeding ticket: 5.6%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Louisville drivers rank 34 in clean driving records across all cities in Kentucky.

    • Rank within state: #34
    • Percent of drivers in Louisville with clean record: 82.2%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Louisville drivers rank 17 in hybrid and electric vehicle ownership across all cities in Kentucky.

    • Rank within state: #17
    • Percent of drivers in Louisville with a hybrid/electric vehicle: 0.75%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates 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. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Tanveen Vohra
Tanveen Vohra
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Editorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Kentucky Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022