Average car insurance cost in Louisville

The average car insurance rate in Louisville for full coverage is $2,359 per year or $197 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Louisville is $776 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,180
Average annual premium$2,359
State minimum premium$776

Cheapest car insurance companies in Louisville

Auto-Owners offers the cheapest rates on average at $1,949 per year. Travelers is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Louisville.

CompanyAverage 6 month rateAverage annual rate
Auto-Owners$975$1,949
Travelers$978$1,956
Kentucky Farm Bureau$1,082$2,163
Shelter Insurance$1,098$2,196
GEICO$1,118$2,236
State Farm$1,302$2,604
Progressive$1,582$3,165
Allstate$1,697$3,395
Farmers$2,040$4,081
USAA$991$1,983

Cheapest car insurance cost in Louisville by age group

Car insurance rates in Louisville vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Louisville by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Auto-Owners
  • Cheapest for young adults: Travelers
  • Cheapest for adults: Travelers
  • Cheapest for seniors: Travelers

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Auto-Owners offers the cheapest car insurance for teens at $5,715 per year.

Travelers offers the most affordable auto insurance for young adults at $3,007 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Travelers provides the lowest car insurance rates at $1,978 per year for adult drivers in Louisville.

Travelers offers the least expensive car insurance for senior drivers in Louisville, at $1,979 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Travelers$6,211$3,007$1,978$1,979
Auto-Owners$5,715$3,366$1,985$2,113
Kentucky Farm Bureau$6,029$3,729$2,111$2,038
Shelter Insurance$6,038$3,956$2,241$2,044
GEICO$7,371$3,948$2,285$2,554
State Farm$7,129$4,145$2,609$2,466
Progressive$9,604$5,135$3,187$3,162
Allstate$9,929$5,424$3,465$3,513
FarmersNANA$3,796$3,707
USAA$6,413$2,980$2,001$2,088

Cheapest car insurance companies in Louisville by driver profile

Car insurance rates in Louisville vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Louisville by driver profile.

Cheapest for a driver with poor credit: GEICO

GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Louisville pay about $2,745 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Louisville.

CompanyAverage 6 month premiumAverage annual premium
GEICO$1,373$2,745
Travelers$1,932$3,864
Progressive$2,757$5,514
Auto-Owners$2,759$5,517
Kentucky Farm Bureau$3,314$6,628
Allstate$3,674$7,348
Farmers$5,141$10,282
State Farm$5,168$10,336
USAA$2,034$4,068

Cheapest auto insurance after an at-fault accident: Auto-Owners

In Louisville, Auto-Owners offers the cheapest car insurance for drivers with at-fault accident at $2,700 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Louisville.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$1,350$2,700
Travelers$1,432$2,864
Kentucky Farm Bureau$1,442$2,883
State Farm$1,474$2,947
GEICO$1,876$3,751
Progressive$2,450$4,899
Allstate$3,150$6,300
Farmers$3,993$7,985
USAA$1,569$3,138

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,759 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Louisville.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,380$2,759
Travelers$1,557$3,113
Progressive$2,126$4,251
Allstate$2,236$4,471
Auto-Owners$2,293$4,586
Kentucky Farm Bureau$2,505$5,009
GEICO$2,783$5,566
Farmers$5,209$10,418
USAA$1,626$3,251

Cheapest for drivers with a speeding ticket: Auto-Owners

Auto-Owners offers the cheapest car insurance at $2,650 in Louisville for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$1,325$2,650
State Farm$1,380$2,759
Travelers$1,486$2,972
GEICO$1,851$3,702
Allstate$1,998$3,995
Progressive$2,065$4,130
Kentucky Farm Bureau$2,505$5,009
Farmers$3,703$7,406
USAA$1,261$2,522

Car insurance discounts for Louisville drivers

The biggest car insurance discount available in Louisville is for the years insured category at 36.61%, offered by Travelers.

Car insurance is essential for drivers in Louisville, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Louisville drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,7701.95%$75
Air BagsAuto-Owners$2,2593.37%$77
Air BagsGEICO$2,1966.80%$155
Air BagsKentucky Farm Bureau$2,8122.00%$56
Air BagsNationwide$2,1404.69%$102
Anti-Theft DeviceAllstate$3,7700.12%$4
Anti-Theft DeviceAuto-Owners$2,2591.84%$41
Anti-Theft DeviceCincinnati Insurance$2,3192.24%$51
Anti-Theft DeviceGEICO$2,1960.57%$12
Anti-Theft DeviceGrange Mutual$2,2661.23%$28
Anti-Theft DeviceKentucky Farm Bureau$2,8124.15%$117
Anti-Theft DeviceNationwide$2,1400.80%$17
Anti-Theft DeviceProgressive$2,9000.53%$15
Anti-Theft DeviceSafe Auto Insurance$6,4153.30%$209
Anti-Theft DeviceShelter Insurance$2,7691.76%$49
Anti-Theft DeviceState Farm$2,3693.99%$97
Anti-Theft DeviceTravelers$1,9042.24%$43
Daily CommuteAuto-Owners$2,2597.32%$165
Daily CommuteCincinnati Insurance$2,3195.04%$117
Daily CommuteGEICO$2,1964.54%$100
Daily CommuteShelter Insurance$2,7693.19%$89
Days Advanced PurchaseAllstate$3,7709.75%$366
Days Advanced PurchaseAuto-Owners$2,2596.00%$135
Days Advanced PurchaseCincinnati Insurance$2,3195.32%$123
Days Advanced PurchaseGrange Mutual$2,26611.45%$259
Days Advanced PurchaseNationwide$2,1405.98%$129
Days Advanced PurchaseProgressive$2,9001.41%$41
Days Advanced PurchaseShelter Insurance$2,7697.03%$195
Days Advanced PurchaseTravelers$1,9045.47%$104
Days Per Week DrivenCincinnati Insurance$2,3195.04%$117
Days Per Week DrivenGEICO$2,1964.54%$100
Days Per Week DrivenShelter Insurance$2,7692.74%$76
EducationGEICO$2,19614.31%$314
EducationGrange Mutual$2,2661.13%$26
EducationProgressive$2,9005.09%$149
Electronic Funds TransferAllstate$3,7704.06%$153
Electronic Funds TransferProgressive$2,90010.17%$297
Electronic Funds TransferTravelers$1,9043.98%$76
HomeownerAllstate$3,77014.40%$545
HomeownerAuto-Owners$2,2597.00%$158
HomeownerCincinnati Insurance$2,3194.42%$103
HomeownerGEICO$2,1969.78%$215
HomeownerGrange Mutual$2,2662.26%$52
HomeownerProgressive$2,9003.27%$93
HomeownerSafe Auto Insurance$6,4158.16%$524
Lower Annual MileageKentucky Farm Bureau$2,8124.55%$128
Lower Annual MileageProgressive$2,9004.22%$126
Lower Annual MileageState Farm$2,3699.88%$234
Loyalty - Years Renewal With CompanyProgressive$2,8933.42%$98
Loyalty - Years Renewal With CompanyShelter Insurance$2,7694.88%$135
Loyalty - Years Renewal With CompanyState Farm$2,3698.14%$191
Marital StatusAllstate$3,7704.11%$154
Marital StatusCincinnati Insurance$2,31910.04%$233
Marital StatusGEICO$2,1960.63%$14
Marital StatusGrange Mutual$2,2663.83%$86
Marital StatusNationwide$2,1406.06%$130
Marital StatusProgressive$2,9008.83%$255
Marital StatusSafe Auto Insurance$6,41518.11%$1,161
Multi PolicyAllstate$3,77010.55%$398
Multi PolicyAuto-Owners$2,2598.20%$185
Multi PolicyCincinnati Insurance$2,3198.78%$204
Multi PolicyGEICO$2,19612.31%$270
Multi PolicyGrange Mutual$2,2666.77%$155
Multi PolicyKentucky Farm Bureau$2,8129.78%$275
Multi PolicyNationwide$2,1407.95%$171
Multi PolicyProgressive$2,90011.34%$327
Multi PolicySafe Auto Insurance$6,4158.16%$524
Multi PolicyState Farm$2,3699.27%$219
Multi PolicyTravelers$1,9047.25%$138
Paperless/Electornic DocumentsAllstate$3,7701.63%$61
Paperless/Electornic DocumentsNationwide$2,1403.74%$80
Paperless/Electornic DocumentsProgressive$2,9000.86%$25
Payment TypeAllstate$3,7709.00%$344
Payment TypeAuto-Owners$2,25916.00%$361
Payment TypeCincinnati Insurance$2,31911.53%$267
Payment TypeGrange Mutual$2,2663.04%$64
Payment TypeProgressive$2,90013.38%$394
Payment TypeSafe Auto Insurance$6,4154.61%$296
Payment TypeShelter Insurance$2,76910.00%$277
Payment TypeTravelers$1,9045.00%$95
Primary UseAllstate$3,7706.29%$235
Primary UseAuto-Owners$2,25912.43%$281
Primary UseCincinnati Insurance$2,31910.08%$234
Primary UseGEICO$2,1964.54%$100
Primary UseGrange Mutual$2,2663.49%$78
Primary UseKentucky Farm Bureau$2,81213.65%$384
Primary UseNationwide$2,1407.46%$161
Primary UseProgressive$2,9000.64%$18
Primary UseShelter Insurance$2,76921.96%$609
Primary UseState Farm$2,36910.50%$249
Primary UseTravelers$1,9044.95%$95
ProfessionGEICO$2,19612.30%$270
ProfessionGrange Mutual$2,2667.44%$168
ProfessionProgressive$2,90018.66%$546
Safety DevicesAllstate$3,7706.29%$235
Safety DevicesAuto-Owners$2,2593.79%$86
Safety DevicesGEICO$2,1961.39%$30
Safety DevicesGrange Mutual$2,2662.02%$46
Safety DevicesKentucky Farm Bureau$2,8121.76%$50
Safety DevicesProgressive$2,9001.45%$42
TelematicsNationwide$2,14010.04%$216
TelematicsProgressive$2,9008.61%$248
TelematicsState Farm$2,36913.78%$326
Years InsuredAllstate$5,77120.75%$1,195
Years InsuredAuto-Owners$2,2881.26%$29
Years InsuredCincinnati Insurance$3,01518.02%$543
Years InsuredGEICO$3,65831.46%$1,151
Years InsuredGrange Mutual$4,1234.42%$180
Years InsuredNationwide$2,8554.05%$116
Years InsuredProgressive$3,63022.55%$812
Years InsuredSafe Auto Insurance$6,4921.18%$77
Years InsuredShelter Insurance$4,20334.12%$1,435
Years InsuredTravelers$3,60536.61%$1,321
Years LicensedGEICO$5,75234.46%$1,982
Years LicensedNationwide$3,26812.57%$412
Years LicensedProgressive$4,93123.76%$1,176
Years LicensedSafe Auto Insurance$7,39212.18%$900
Years LicensedState Farm$2,91416.37%$477
Years LicensedTravelers$5,94935.40%$2,105

How to get cheap car insurance in Louisville in 2025

Find affordable car insurance in Louisville by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Louisville.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Kentucky