Louisville, KY Auto Insurance (2024)
The average Louisville, KY auto insurance rates are $461 per month. The minimum auto insurance in Louisville is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Louisville, Kentucky, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Louisville, Kentucky is 25/50/25
- The most expensive auto insurance company in Louisville for teen drivers is Travelers
- The average commute length in Louisville is 22.8 minutes
Louisville, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Louisville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Louisville, Kentucky, including driving record, credit, commute time, and more.
Compare auto insurance in Louisville to other Kentucky cities, including Bowling Green auto insurance rates, Richmond auto insurance rates, and Independence auto insurance rates to see how Louisville, Kentucky auto insurance rates stack up.
Before you buy Louisville, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Louisville, Kentucky auto insurance quotes.
Minimum Auto Insurance in Louisville, Kentucky
Louisville, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Louisville, Kentucky.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Louisville, Kentucky Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Louisville, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,282 | $4,224 | $3,916 | $4,168 | $16,031 | $17,972 | $4,668 | $4,886 |
| Geico | $4,348 | $4,020 | $4,581 | $4,149 | $9,387 | $11,000 | $3,533 | $3,025 |
| Liberty Mutual | $3,114 | $3,372 | $2,663 | $2,979 | $13,340 | $14,741 | $3,225 | $3,306 |
| Nationwide | $4,115 | $4,076 | $3,710 | $3,854 | $9,531 | $11,794 | $4,708 | $4,902 |
| Progressive | $3,134 | $2,958 | $2,840 | $2,844 | $15,930 | $18,002 | $3,887 | $3,916 |
| State Farm | $2,176 | $2,176 | $1,927 | $1,927 | $5,982 | $7,629 | $2,423 | $2,657 |
| Travelers | $2,562 | $2,605 | $2,536 | $2,540 | $13,020 | $21,080 | $2,689 | $3,064 |
| USAA | $2,105 | $2,098 | $1,917 | $1,935 | $5,836 | $6,114 | $2,656 | $2,899 |
Cheap Louisville, Kentucky Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Louisville, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Louisville, Kentucky.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $16,031 | $17,972 |
| Geico | $9,387 | $11,000 |
| Liberty Mutual | $13,340 | $14,741 |
| Nationwide | $9,531 | $11,794 |
| Progressive | $15,930 | $18,002 |
| State Farm | $5,982 | $7,629 |
| Travelers | $13,020 | $21,080 |
| USAA | $5,836 | $6,114 |
Cheap Louisville, Kentucky Auto Insurance for Seniors
What are senior auto insurance rates in Louisville, Kentucky? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,916 | $4,168 |
| Geico | $4,581 | $4,149 |
| Liberty Mutual | $2,663 | $2,979 |
| Nationwide | $3,710 | $3,854 |
| Progressive | $2,840 | $2,844 |
| State Farm | $1,927 | $1,927 |
| Travelers | $2,536 | $2,540 |
| USAA | $1,917 | $1,935 |
Cheap Louisville, Kentucky Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Louisville, Kentucky compared to the annual auto insurance rates with a clean record in Louisville, Kentucky.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,230 | $8,122 | $8,687 | $7,034 |
| Geico | $3,286 | $5,838 | $8,870 | $4,027 |
| Liberty Mutual | $4,859 | $7,515 | $5,825 | $5,172 |
| Nationwide | $4,605 | $6,009 | $7,642 | $5,088 |
| Progressive | $5,516 | $8,254 | $6,285 | $6,700 |
| State Farm | $3,102 | $3,622 | $3,362 | $3,362 |
| Travelers | $5,451 | $5,604 | $8,153 | $5,840 |
| USAA | $2,397 | $3,398 | $4,090 | $2,896 |
Cheap Louisville, Kentucky Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Louisville, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Louisville, Kentucky to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,687 |
| Geico | $8,870 |
| Liberty Mutual | $5,825 |
| Nationwide | $7,642 |
| Progressive | $6,285 |
| State Farm | $3,362 |
| Travelers | $8,153 |
| USAA | $4,090 |
Cheap Louisville, Kentucky Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Louisville, Kentucky annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $10,034 | $6,851 | $5,670 |
| Geico | $9,054 | $4,520 | $2,943 |
| Liberty Mutual | $8,340 | $5,142 | $4,045 |
| Nationwide | $7,100 | $5,580 | $4,829 |
| Progressive | $7,449 | $6,526 | $6,092 |
| State Farm | $4,854 | $2,937 | $2,295 |
| Travelers | $6,970 | $5,917 | $5,899 |
| USAA | $4,714 | $2,679 | $2,193 |
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Cheap Louisville, Kentucky Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Louisville, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Louisville, Kentucky to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 40059 | $4,166 |
| 40202 | $5,089 |
| 40203 | $5,748 |
| 40204 | $4,857 |
| 40205 | $4,151 |
| 40206 | $4,270 |
| 40207 | $4,003 |
| 40208 | $5,469 |
| 40209 | $5,420 |
| 40210 | $5,878 |
| 40211 | $5,826 |
| 40212 | $5,875 |
| 40213 | $4,764 |
| 40214 | $4,987 |
| 40215 | $5,603 |
| 40216 | $4,885 |
| 40217 | $5,069 |
| 40218 | $4,612 |
| 40219 | $4,669 |
| 40220 | $4,225 |
| 40222 | $4,006 |
| 40223 | $3,952 |
| 40228 | $4,413 |
| 40229 | $4,666 |
| 40241 | $4,181 |
| 40243 | $4,043 |
| 40245 | $4,171 |
| 40258 | $4,672 |
| 40272 | $4,578 |
| 40291 | $4,337 |
| 40293 | $5,368 |
| 40299 | $4,064 |
Cheap Louisville, Kentucky Auto Insurance Rates By Commute
Commute length and annual mileage affect Louisville, Kentucky auto insurance. Find the cheapest annual Louisville, Kentucky auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,518 | $7,518 |
| Geico | $5,454 | $5,557 |
| Liberty Mutual | $5,842 | $5,842 |
| Nationwide | $5,836 | $5,836 |
| Progressive | $6,689 | $6,689 |
| State Farm | $3,275 | $3,449 |
| Travelers | $6,262 | $6,262 |
| USAA | $3,075 | $3,315 |
Cheap Louisville, Kentucky Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Louisville, Kentucky? Check out the comparison of annual Louisville, Kentucky auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,763 | $7,472 | $8,319 |
| Geico | $5,058 | $5,509 | $5,950 |
| Liberty Mutual | $5,502 | $5,798 | $6,228 |
| Nationwide | $5,861 | $5,769 | $5,879 |
| Progressive | $6,017 | $6,564 | $7,486 |
| State Farm | $3,140 | $3,360 | $3,586 |
| Travelers | $5,900 | $6,289 | $6,597 |
| USAA | $3,012 | $3,187 | $3,386 |
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Best By Category: Cheapest Auto Insurance in Louisville, Kentucky
Compare the cheapest auto insurance companies in Louisville, Kentucky in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Louisville, Kentucky Auto Insurance Companies
What auto insurance companies in Louisville, Kentucky are the cheapest? Compare the top Louisville, Kentucky auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,518 |
| Geico | $5,505 |
| Liberty Mutual | $5,842 |
| Nationwide | $5,836 |
| Progressive | $6,689 |
| State Farm | $3,362 |
| Travelers | $6,262 |
| USAA | $3,195 |
What affects auto insurance rates in Louisville, Kentucky?
There are a lot of reasons why auto insurance rates in Louisville, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Louisville, Kentucky. Many local factors may affect your Louisville auto insurance rates.
Louisville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Louisville, Kentucky commute length is 22.8 minutes according to City-Data.
Louisville Traffic
How does Louisville, Kentucky rank for traffic? According to Inrix Louisville, Kentucky is the 597th most congested worldwide.
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Compare Louisville, Kentucky Auto Insurance Quotes
Before you buy Louisville, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Louisville, Kentucky auto insurance quotes.
Frequently Asked Questions
What is Louisville, KY auto insurance?
Louisville, KY auto insurance refers to car insurance coverage specifically designed for drivers residing in Louisville, Kentucky. Auto insurance provides financial protection against accidents, theft, and damage to vehicles, as well as liability coverage for bodily injury or property damage caused by the insured driver.
What types of auto insurance coverage are available in Louisville, KY?
The types of auto insurance coverage available in Louisville, KY are similar to those offered in other areas. They typically include liability coverage, which is required by law, as well as optional coverages such as collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and additional add-ons or endorsements based on individual needs.
What is the minimum auto insurance coverage required in Louisville, KY?
In Louisville, KY, the minimum auto insurance coverage required is liability coverage. The state mandates that drivers carry at least the following minimum liability limits: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. It’s important to note that these are the minimum requirements, and higher coverage limits may be advisable for greater protection.
How can I find affordable auto insurance in Louisville, KY?
To find affordable auto insurance in Louisville, KY, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance agents or brokers who work with various companies, utilize online comparison tools, or directly visit the websites of insurance providers to obtain quotes. Additionally, consider factors such as your driving record, the type of vehicle you own, available discounts, and your desired coverage limits when seeking affordable options.
What factors can affect my auto insurance rates in Louisville, KY?
Several factors can influence your auto insurance rates in Louisville, KY. These may include your age, gender, marital status, driving history, type of vehicle, annual mileage, credit score, and the coverage options you choose. Additionally, local factors such as the area where you reside and the frequency of accidents or thefts in that area can impact your rates.
Are there any specific discounts available for auto insurance in Louisville, KY?
Yes, there are various discounts available for auto insurance in Louisville, KY. Insurance companies often offer discounts for safe driving records, multiple policies (such as bundling auto and homeowners insurance), good student discounts, vehicle safety features, and anti-theft devices. It’s advisable to inquire with insurance providers about the discounts they offer and determine if you qualify for any.
Can I purchase additional coverage options for my auto insurance in Louisville, KY?
Yes, in addition to the required liability coverage, you can purchase additional coverage options for your auto insurance in Louisville, KY. Optional coverages may include collision coverage to protect against vehicle damage in a collision, comprehensive coverage for non-collision incidents (such as theft, vandalism, or weather damage), and other add-ons like rental car reimbursement or roadside assistance. Discuss your specific needs with insurance providers to determine the best coverage options for you.
How do I file an auto insurance claim in Louisville, KY?
To file an auto insurance claim in Louisville, KY, you should contact your insurance provider as soon as possible after an incident. They will guide you through the claims process, which typically involves providing details of the accident or damage, submitting any necessary documentation, and cooperating with any investigations or assessments required to settle the claim.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.