The average cost of full coverage car insurance in Louisville is $2,451 a year, $270 more expensive than the already-high average of $2,181 in Kentucky. But even though car insurance can be expensive in the Bluegrass State, drivers can still save on car insurance by shopping around and comparing quotes before buying a policy.
Ready to start shopping? Policygenius can show you options from top car insurance companies so you can be sure you’re making the right choice.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Louisville, KY
Every car insurance company considers factors like your age, ZIP code, driving history and the kind of car you drive. But rates can vary from company to company, which is why it’s so important to shop around and compare options before you buy insurance.
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $1,343 | 874 |
Auto-Owners Insurance | $1,636 | 865 |
USAA | $1,642 | 890 |
Travelers | $1,725 | 854 |
State Farm | $1,850 | 882 |
Cheapest car insurance rates by ZIP code in Louisville, KY
Where you live in Louisville will also have a major impact on your car insurance rates. Frequency of traffic accidents, crime levels, and even amounts of off-street parking will affect rates in your neighborhood.
ZIP code | Average cost |
|---|---|
40223 | $1,912 |
40222 | $1,918 |
40241 | $1,921 |
40245 | $1,963 |
40220 | $1,978 |
40205 | $1,993 |
40291 | $2,111 |
40206 | $2,118 |
40228 | $2,183 |
40229 | $2,213 |
Choosing the right car insurance company in Louisville, KY
Buying car insurance can seem complicated, but it doesn't have to be. It all comes down to a few key factors.
Cost: Different companies charge different rates for similar coverage, that's why it's important to compare quotes from multiple car insurance companies to find the best rate
Coverage: Make sure the company you choose offers the coverage you need. Remember, the higher you set your limits, the better protected you’ll be
Customer service: Do a little research on the insurance company itself. Read things like customer reviews and claims satisfaction ratings to see how the companies compare
Car insurance rates for drivers with driving violations in Louisville, KY
Past driving history and any driving violations can also affect car insurance rates. Any accidents or moving violations will see higher rates, but there are some that are more costly than others.
Violation | GEICO | Auto-Owners Insurance | USAA | Travelers | State Farm |
|---|---|---|---|---|---|
At-fault accident | $2,429 | $2,269 | $2,657 | $2,507 | $2,122 |
DUI | $3,463 | $3,805 | $2,911 | $2,778 | $1,989 |
Suspended license | $1,430 | $3,805 | $2,743 | $2,778 | $1,989 |
Open container | $1,430 | $1,679 | $2,711 | $2,371 | $1,989 |
Expired registration | $1,359 | $1,654 | $2,240 | $2,371 | $1,989 |
Driving without lights | $1,430 | $1,679 | $2,240 | $2,371 | $1,989 |
Running a red light | $1,430 | $1,679 | $2,240 | $2,371 | $1,989 |
Following too closely | $1,430 | $1,679 | $2,240 | $2,371 | $1,989 |
Hit and run | $3,463 | $3,805 | $3,034 | $2,778 | $1,989 |
Not-at-fault accident | $1,359 | $1,654 | $1,732 | $1,821 | $1,878 |
Passing a school bus | $1,430 | $1,679 | $2,391 | $2,778 | $1,989 |
Reckless driving | $2,710 | $3,805 | $2,391 | $2,778 | $1,989 |
Speeding | $2,710 | $2,227 | $2,240 | $2,778 | $1,989 |
Cheapest car insurance for drivers with a DUI in Louisville, KY
Louisville drivers already pay some of the highest car insurance rates in the nation with an average rate of $2,451 per year. Drivers with a DUI or DWI in Louisville will pay even more for car insurance than drivers with a clean driving history. The average annual cost for car insurance in Kentucky with a DUI is $4,359 per year, which is a 78% higher than average.
But insurance companies offer wildly different rates, even for drivers with a DUI, so Louisville drivers can save money by comparing quotes from multiple companies. According to our research, the companies with the lowest rates for drivers with a DUI in Louisville are State Farm, Travelers, and USAA.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,989 |
Travelers | $2,778 |
USAA | $2,911 |
GEICO | $3,463 |
Auto-Owners Insurance | $3,805 |
Cheapest car insurance for drivers with a speeding ticket in Louisville, KY
Louisville drivers will also pay more for car insurance with a speeding ticket or other moving violation on their record. The average cost of insurance for a driver with a speeding ticket in Kentucky is $2,941 per year.
But drivers in Louisville can find lower car insurance rates by comparing quotes from multiple insurance companies, even if they have a speeding ticket on their record. We found the companies offering the lowest rates for drivers in Louisville with a speeding ticket are State Farm, Auto-Owners Insurance, and USAA.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,989 |
Auto-Owners Insurance | $2,227 |
USAA | $2,240 |
GEICO | $2,710 |
Travelers | $2,778 |
Cheapest car insurance for drivers with bad credit in Louisville, KY
If you have a lower credit score, then you should expect to pay higher insurance rates, so Louisville drivers with poor credit should take extra time to shop around and compare quotes before buying a policy.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $2,383 |
Progressive | $3,370 |
Cincinnati Insurance | $3,446 |
Grange Insurance | $3,573 |
Travelers | $3,623 |
Buying car insurance in Louisville, KY
Kentucky, like almost every state in the U.S., requires drivers to have at least a minimum amount of car insurance. The Kentucky state minimum requirements are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Personal injury protection: $10,000 per accident, however PIP coverage can be rejected in writing
Uninsured/underinsured motorist coverage: Optional, but Kentucky specifies the insurer include UM/UMI at $25,000 per person and $50,000 per accident unless you expressly reject it in writing
Kentucky drivers can reject personal injury protection and uninsured/underinsured motorist coverage, but doing so could mean being unprotected in case of an expensive accident.
How to get cheap car insurance in Louisville, KY
If your car insurance seems too expensive, then consider these tips to make sure you’re getting the most affordable coverage possible:
Ask about discounts, like savings for good students, certain professions, or paying your annual premium in full
Bundle multiple policies, like home and auto, with the same company
Reduce coverage on older cars
Drive safely and avoid moving violations
Reshop your car insurance every year to make sure you’re still getting the best rates
Frequently asked questions
Is cutting car insurance coverage the only way to lower car insurance rates in KY?
No, there are lots of ways to make car insurance more affordable. Everything from finding a new company to improving your credit score can have major impacts on the overall cost of your car insurance.
Is car insurance required in Kentucky?
Kentucky does require drivers to have car insurance. This is true for most states in the U.S. Kentucky requires all drivers to have a minimum of bodily injury and property damage liability coverage, as well as personal injury protection and uninsured/underinsured motorist coverage.
How much is car insurance per month in Kentucky?
The average annual insurance rate in Kentucky is $2,181, which breaks down to $182 per month. The average monthly premium in Louisville is $204, which is $22 more expensive than the state average.
What does it mean that Kentucky is a “choice no-fault state”?
Kentucky is considered to be a no-fault state, meaning drivers in a car accident are all responsible for their own medical costs. However, you have the choice in Kentucky to reject the no-fault coverage, in which case you would have to cover those bills out of pocket or rely on health insurance.
