The best car insurance in Louisville, KY

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 24, 2021

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The average cost of full coverage car insurance in Louisville is $2,420 a year, over $250 more expensive than the already-high average of $2,158 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.

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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.

Key Takeaways

  • GEICO has the lowest average rate for full coverage car insurance in Kentucky at $1,152 a year

  • 40205 is the cheapest ZIP code for car insurance in the Louisville area at $1,972 a year

  • Kentucky requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability

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

$1,152

871

State Farm

$1,327

881

Auto-Owners Insurance

$1,633

890

USAA

$1,642

890

Travelers

$1,929

861

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

40202

$2,654

40203

$2,982

40204

$2,379

40205

$1,972

40206

$2,094

40208

$2,766

40209

$2,672

40210

$3,033

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

State Farm

Auto-Owners Insurance

USAA

Travelers

At-fault Accident

$2,090

$1,549

$2,265

$2,657

$2,813

DUI

$2,984

$1,449

$3,799

$2,911

$3,119

Driving with a suspended license

$1,228

$1,449

$3,799

$2,743

$3,119

Driving with an open container

$1,228

$1,449

$1,676

$2,711

$2,667

Driving with expired registration

$1,167

$1,449

$1,651

$2,240

$2,667

Driving without Lights

$1,228

$1,449

$1,676

$2,240

$2,667

Failure to show documents

$1,167

$1,449

$1,651

$2,240

$2,667

Failure to stop at a red light

$1,228

$1,449

$1,676

$2,240

$2,667

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

$2,047

State Farm

$2,804

Grange Insurance

$3,291

Cincinnati Insurance

$3,508

USAA

$3,662

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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: $10,000

  • 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?

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.

What's a bad credit score?

Credit scores fall on a scale that ranges from 300 to 850. Poor credit is usually anywhere between 500 and 600, and credit scores that are lower than 500 are considered very poor.

Will my rates drop every year after I turn 25?

Insurance rates can sometimes drop at age 25, but it depends on a few other factors. Things like your driving history, the kind of car you have, and even your ZIP code will all be considered when calculating your insurance rates.

Methodology

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.