Louisville Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Kentucky has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Louisville typically pay around $185.08 per month compared to the national average of $145.87 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Louisville, KY Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Louisville coming in around $120.64 per month. Other companies to consider if you live in Louisville is USAA with an average cost of $132.04 per month and Kentucky Farm Bureau which typically runs around $160.03 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Louisville.

How Much is Car Insurance in Louisville, KY?

Rates can vary from city to city. The residents of Ashland typically pay $114.10 per month while people who live in Bowling Green will pay $125.59 per month on average. See what people pay for car insurance in other cities in Kentucky.

Cheap Car Insurance in Louisville by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Kentucky. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Louisville

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $463.68 per month in Louisville. Compare that to drivers in their 30’s who typically pay around $174.47 per month drivers in their 40s at $154.38 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Louisville

If you are teen in Louisville you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $248.42 per month. This is likely the most affordable option in Louisville. You might also want to consider State Farm and Kentucky Farm Bureau who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Louisville

20 year-olds in Louisville might want to consider State Farm who, on average, offers car insurance rates around $167.36 per month. USAA , Southern Farm Bureau , Kentucky Farm Bureau and Motorists Mutual are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Louisville

If you are in your 30s in Louisville our research has found that State Farm typically has the most affordable coverage coming in around $109.62 per month, followed by USAA at $123.62 and Kentucky Farm Bureau at $145.82.

Cheapest Insurance for 40 Year-olds in Louisville

On average, State Farm offers car insurance for 40 year-olds in Louisville for around $109.64 per month. If you are looking for affordable coverage, you may also want to consider USAA or Kentucky Farm Bureau. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Louisville

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Louisville we found that State Farm generally offers the most affordable coverage at $106.78 per month.

Cheapest Insurance for 60 Year-olds in Louisville

If you live in Louisville and you’re in your 60s, our data indicates that State Farm usually has the best rates at $98.14 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Louisville, KY

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Louisville, the average monthly rate for a driver who is currently insured is $163.14 while drivers who are not currently covered will pay around $200.17.

Compare Recent Car Insurance Quotes in Louisville

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Louisville a driver of a 2011 Gmc Yukon can expect to pay around $257.15 per month while someone that owns a 2017 Kia Niro may pay around $508.21 per month. Check out the list of recent quotes in Louisville below.

FAQ's for Drivers in Louisville, KY

Louisville Auto Insurance Requirements

In the city of Louisville, you are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Louisville?

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $10,000 property damage

What Is the Blood Alcohol Concentration (BAC) Limit in Louisville?

The legal blood alcohol content (BAC) level limit is .08% in Kentucky. And this legal limit applies to all 50 states. If you have a BAC level limit of .08% or higher and you are driving a car, you may be convicted of a DUI. In Kentucky, this DUI conviction would mean 90 days of an alcohol or substance abuse program and a six-month license suspension. Having a DUI on your driving record will make your insurance rates rise up. But some insurers charge less than others for DUI convictions. With SmartFinancial's help, you'll be able to find insurers that are more forgiving of DUI convictions.

Can I Register My Car Without Insurance in Louisville?

When your registration on your car is valid, your liability insurance coverage must be in full effect. These are important items for your car and they must be up-to-date. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Kentucky Department of Insurance and certified by the Kentucky State DMV. And there's more. The insurance for your car must be issued in the name of the vehicle registrant. So the person whose name is on the vehicle registration is the same person whose name is on the insurance.

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