Best Cheap Auto Insurance in Louisville, OH (2021)

The average Louisville, OH auto insurance rates are $230 per month. The minimum auto insurance in Louisville is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Louisville, Ohio, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Louisville for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Louisville, Ohio is 25/50/25
  • The cheapest auto insurance company in Louisville is American Family

Louisville, Ohio auto insurance requirements are 25/50/25 according to Ohio 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, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Louisville to other Ohio cities, including Toledo auto insurance rates, Youngs auto insurance rates, and Lorain auto insurance rates to see how Louisville, Ohio auto insurance rates stack up.

Before you buy Louisville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Louisville, Ohio auto insurance quotes.

Minimum Auto Insurance in Louisville, Ohio

Louisville, Ohio auto insurance laws require that you have at least the Ohio minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Louisville, Ohio.

Minimum Required Auto Insurance Coverage in Louisville, Ohio

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, Ohio Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Louisville, Ohio 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, Ohio

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 $2,093 $2,087 $1,888 $2,020 $5,771 $6,594 $2,197 $2,345
American Family $857 $888 $782 $785 $2,634 $2,853 $1,060 $1,114
Farmers $1,728 $1,725 $1,520 $1,604 $7,743 $8,058 $1,939 $2,027
GEICO $1,298 $1,263 $1,226 $1,246 $3,504 $3,256 $1,442 $1,216
Liberty Mutual $2,009 $2,195 $1,543 $1,884 $10,534 $11,895 $2,131 $2,324
Nationwide $2,185 $2,195 $1,972 $1,985 $5,625 $7,246 $2,340 $2,722
Progressive $1,705 $1,599 $1,422 $1,468 $7,737 $8,708 $2,037 $2,107
State Farm $1,523 $1,523 $1,369 $1,369 $4,846 $6,088 $1,771 $2,030
Travelers $1,307 $1,327 $1,297 $1,293 $5,670 $9,011 $1,362 $1,547
USAA $988 $997 $939 $939 $3,048 $3,396 $1,325 $1,424

Cheap Louisville, Ohio Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Louisville, Ohio is a challenge. Take a look at the annual teen auto insurance rates in Louisville, Ohio.

Annual Auto Insurance Rates for Teen Drivers in Louisville, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,771 $6,594
American Family $2,634 $2,853
Farmers $7,743 $8,058
GEICO $3,504 $3,256
Liberty Mutual $10,534 $11,895
Nationwide $5,625 $7,246
Progressive $7,737 $8,708
State Farm $4,846 $6,088
Travelers $5,670 $9,011
USAA $3,048 $3,396

Cheap Louisville, Ohio Auto Insurance for Seniors

What are senior auto insurance rates in Louisville, Ohio? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Louisville, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,888 $2,020
American Family $782 $785
Farmers $1,520 $1,604
GEICO $1,226 $1,246
Liberty Mutual $1,543 $1,884
Nationwide $1,972 $1,985
Progressive $1,422 $1,468
State Farm $1,369 $1,369
Travelers $1,297 $1,293
USAA $939 $939

Cheap Louisville, Ohio 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, Ohio compared to the annual auto insurance rates with a clean record in Louisville, Ohio.

Annual Louisville, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,627 $3,180 $3,721 $2,970
American Family $1,315 $1,391 $1,391 $1,391
Farmers $2,715 $3,498 $3,411 $3,548
GEICO $1,223 $1,768 $2,577 $1,657
Liberty Mutual $3,622 $4,657 $4,753 $4,226
Nationwide $2,633 $3,347 $4,244 $2,910
Progressive $2,884 $3,932 $3,074 $3,500
State Farm $2,332 $2,798 $2,565 $2,565
Travelers $2,106 $2,738 $4,124 $2,439
USAA $1,249 $1,676 $2,216 $1,386

Cheap Louisville, Ohio Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Louisville, Ohio is not easy. Compare the annual rates for DUI auto insurance in Louisville, Ohio to find the best deal.

Annual Auto Insurance Rates After a DUI in Louisville, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,721
American Family $1,391
Farmers $3,411
GEICO $2,577
Liberty Mutual $4,753
Nationwide $4,244
Progressive $3,074
State Farm $2,565
Travelers $4,124
USAA $2,216

Cheap Louisville, Ohio Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Louisville, Ohio annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Louisville, Ohio

Insurance Company Poor Fair Good
Allstate $4,015 $2,921 $2,438
American Family $1,823 $1,242 $1,050
Farmers $3,725 $3,153 $3,002
GEICO $2,165 $1,806 $1,447
Liberty Mutual $6,177 $3,792 $2,974
Nationwide $3,963 $3,193 $2,695
Progressive $3,748 $3,252 $3,044
State Farm $3,655 $2,259 $1,780
Travelers $3,184 $2,776 $2,595
USAA $2,119 $1,500 $1,278

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Cheap Louisville, Ohio Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Louisville, Ohio can vary. Compare the annual cost of auto insurance by ZIP code in Louisville, Ohio to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Louisville, Ohio

ZIP Code Average Annual Rates
44641 $2,635

Cheap Louisville, Ohio Auto Insurance Rates By Commute

Commute length and annual mileage affect Louisville, Ohio auto insurance. Find the cheapest annual Louisville, Ohio auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Louisville, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,124 $3,124
American Family $1,356 $1,388
Farmers $3,293 $3,293
GEICO $1,775 $1,838
Liberty Mutual $4,315 $4,315
Nationwide $3,284 $3,284
Progressive $3,348 $3,348
State Farm $2,500 $2,629
Travelers $2,852 $2,852
USAA $1,569 $1,695

Cheap Louisville, Ohio Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Louisville, Ohio? Check out the comparison of annual Louisville, Ohio auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Louisville, Ohio

Insurance Company Low Medium High
Allstate $3,015 $3,118 $3,241
American Family $1,351 $1,382 $1,382
Farmers $3,117 $3,242 $3,520
GEICO $1,744 $1,798 $1,877
Liberty Mutual $4,139 $4,339 $4,466
Nationwide $3,620 $3,184 $3,048
Progressive $3,208 $3,318 $3,517
State Farm $2,429 $2,574 $2,692
Travelers $2,762 $2,891 $2,902
USAA $1,556 $1,631 $1,710

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Best By Category: Cheapest Auto Insurance in Louisville, Ohio

Compare the cheapest auto insurance companies in Louisville, Ohio in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Louisville, Ohio

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Louisville, Ohio Auto Insurance Companies

What auto insurance companies in Louisville, Ohio are the cheapest? Compare the top Louisville, Ohio auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Louisville, Ohio

Insurance Company Average Annual Rates
Allstate $3,124
American Family $1,372
Farmers $3,293
GEICO $1,806
Liberty Mutual $4,315
Nationwide $3,284
Progressive $3,348
State Farm $2,565
Travelers $2,852
USAA $1,632

What affects auto insurance rates in Louisville, Ohio?

There are a lot of reasons why auto insurance rates in Louisville, Ohio are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Louisville, Ohio. Many local factors may affect your Louisville auto insurance rates.

Louisville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Louisville, Ohio auto theft statistics, there have been 4 auto thefts in the city.

Louisville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Louisville, Ohio commute length is 24.0 minutes according to City-Data.

Louisville Traffic

How does Louisville, Ohio rank for traffic? According to Inrix Louisville, Ohio is the 597th most congested worldwide.

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Compare Louisville, Ohio Auto Insurance Quotes

Before you buy Louisville, Ohio auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Louisville, Ohio auto insurance quotes.

Free Auto Insurance Comparison

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

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