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Louisville Car Insurance

How much does car insurance cost in Louisville, KY? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Louisville?

Louisville is situated along the Ohio River and the Indiana border. It is Kentucky's largest city. Louisville is famous for the Kentucky Derby horse race held at Churchill Downs in May; The Kentucky Derby Museum chronicles the history of this renowned horse race. There are a number of museums in Louisville, including the Frazier History Museum, Kentucky Science Center and the Howard Steamboat Museum. There's also the Louisville Zoo, the Kentucky Kingdom amusement park and Waterfront Park with its picnic areas, playgrounds, rowing and public art. And for those who love baseball there is the Louisville Slugger Museum and Factory. Boxer Muhammed Ali is a native of Louisville, where the Muhammad Ali Museum and cultural center were built in his honor. The Louisville Mega Cavern has a bike park and zipline inside a former mine.

Although Kentucky has a mass transit system, it is still nice to go for a drive in your car. Could you use some savings on your car insurance? Comparing insurance rates from several different insurance providers will help you land a lower car insurance rate. With access to more than 200 insurance companies, SmartFinancial can help with this task. Fill out a short form and you'll receive insurance quotes from insurance companies near you.

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 $158.58 per month compared to the national average of $134.04 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.

AreaAverage Monthly Rate
National $134.04
Kentucky $134.76
Louisville, Kentucky $158.58

Louisville, KY Best Car Insurance Companies

car insurance in Louisville

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, USAA generally has the most affordable car insurance in Louisville coming in around $104.62 per month. Other companies to consider if you live in Louisville is State Farm with an average cost of $107.37 per month and Kentucky Farm Bureau which typically runs around $135.43 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Louisville.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $104.62-22.37%
2 State Farm $107.37-20.32%
3 Kentucky Farm Bureau $135.430.50%
4 Westfield $148.2610.02%
5 Motorists Mutual $148.4810.19%
6 SAFECO $176.6031.05%
7 Cincinnati Insurance $179.0332.85%
8 Travelers $190.1441.10%
9 Liberty Mutual $195.1544.81%
10 State Auto $219.4462.84%

How Much is Car Insurance in Louisville, KY?

how much is auto insurance in Louisville

Rates can vary from city to city. The residents of Covington typically pay $102.76 per month while people who live in Frankfort will pay $136.88 per month on average. See what people pay for car insurance in other cities in Kentucky.

Kentucky CitiesMonthly Average Rate
Covington $102.76
Frankfort$136.88
Lexington $120.00
London$134.20
Louisville $159.25

Cheap Car Insurance in Louisville by Zip Codes

find cheap auto insurance in Louisville

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.

Louisville, KY ZIP CodeAverage Monthly Rate
40201$150.23
40202$159.20
40203$184.43
40204$126.16
40205$142.86
40206$127.73
40207$133.12
40208$171.46
40209$134.80
40210$184.09
40211$192.21
40212$165.22
40213$147.28
40214$165.61
40215$172.85
40216$156.57
40217$145.18
40218$141.99
40219$150.59
40220$125.40
40222$160.27
40223$127.72
40228$158.15
40229$172.86
40241$147.66
40242$144.37
40243$138.72
40245$193.85
40258$150.29
40272$151.87
40280$560.35
40291$159.68
40299$134.58

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 $423.73 per month in Louisville. Compare that to drivers in their 30’s who typically pay around $140.91 per month drivers in their 40s at $128.38 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.

Age GroupAverage Monthly Rate
16-19$423.73
20s$198.74
30s$140.91
40s$128.38
50s$124.87
60s$121.02
70+$136.55

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 $162.51 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.

CompanyAverage Monthly Rate
USAA$162.51
State Farm$193.68
Kentucky Farm Bureau$295.15
Motorists Mutual$307.73
Westfield$353.48

Cheapest Insurance for 20 Year-olds in Louisville

20 year-olds in Louisville might want to consider USAA who, on average, offers car insurance rates around $127.08 per month. State Farm , Motorists Mutual , Kentucky Farm Bureau and Westfield are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$127.08
State Farm$135.88
Motorists Mutual$196.97
Kentucky Farm Bureau$197.42
Westfield$224.83

Cheapest Insurance for 30 Year-olds in Louisville

If you are in your 30s in Louisville our research has found that USAA typically has the most affordable coverage coming in around $99.36 per month, followed by State Farm at $102.60 and Kentucky Farm Bureau at $118.54.

CompanyAverage Monthly Rate
USAA$99.36
State Farm$102.60
Kentucky Farm Bureau$118.54
Westfield$119.04
Travelers$133.29

Cheapest Insurance for 40 Year-olds in Louisville

On average, USAA offers car insurance for 40 year-olds in Louisville for around $90.53 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Kentucky Farm Bureau. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$90.53
State Farm$92.57
Kentucky Farm Bureau$109.73
Westfield$113.07
Motorists Mutual$128.97

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 $88.16 per month.

CompanyAverage Monthly Rate
State Farm$88.16
USAA$88.97
Kentucky Farm Bureau$92.05
Westfield$102.32
Motorists Mutual$110.18

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 $81.73 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$81.73
USAA$85.92
Kentucky Farm Bureau$93.35
Westfield$100.85
Motorists Mutual$108.58

Driver's Coverage Auto Insurance Rates in Louisville, KY

driver's coverage

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 $156.59 while drivers who are not currently covered will pay around $162.13.

CoverageAverage Monthly Rate
Not Currently Insured $162.13
Currently Insured $156.59

Compare Recent Car Insurance Quotes in Louisville

auto insurance quotes in Louisville city

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 2018 Kia Optima can expect to pay around $253.90 per month while someone that owns a 2018 Kia Optima may pay around $246.27 per month. Check out the list of recent quotes in Louisville below.

VehicleAverage Monthly Rate
2018 Kia Optima$253.90
2018 Kia Optima$246.27
2018 Kia Optima$296.53
2018 Kia Optima$176.31
2009 Toyota Camry$83.97
2016 Kia Sorento$79.02
2015 Chrysler 300$235.91
2016 Chevrolet Colorado$467.62
2016 Chevrolet Colorado$388.57
2016 Chevrolet Colorado$219.39

FAQ's for Drivers in Louisville, KY

driver’s frequently asked question in Louisville

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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Commute Time in Louisville, KY

22.4 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Louisville, KY

833

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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