Best Cheap Auto Insurance in Louisville, KY (2021)

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.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

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.

Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Louisville, Kentucky

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Louisville, Kentucky

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.

Annual Louisville, Kentucky Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Louisville, Kentucky

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.

Annual Auto Insurance Rates by Credit Score in Louisville, Kentucky

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Annual Auto Insurance Rates by ZIP Code in Louisville, Kentucky

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.

Annual Auto Insurance Rates by Commute Length in Louisville, Kentucky

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.

Annual Auto Insurance Rates by Coverage Level in Louisville, Kentucky

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Best Annual Auto Insurance Rates by Company in Louisville, Kentucky

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.

Average Annual Auto Insurance Rates by Company in Louisville, Kentucky

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption