Best Auto Insurance Rates in Louisville, Kentucky

On average your neighbors pay $66 a month.

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Louey-ville, Loo-vull, or Lou-a-vull? No matter how it’s pronounced, Louisville, Kentucky is the home of the Kentucky Derby, the largest Beatles Festival in the world, and the Louisville Slugger factory. With all they have to offer, Louisvillians deserve cheap car insurance rates.

Average Louisville Car Insurance Rates

How much is car insurance in Louisville, KY? Residents shouldn't be surprised to learn average car insurance rates in Louisville are higher than both the state and national averages. Urban living conditions that include some of the nation's worst traffic congestion and vehicle theft rates are helping to drive insurance rates here through the roof. The average cost of auto insurance in Kentucky is $801.97 per year. The national average price is $889.01.

Prices may vary depending on your driving history and the total number of claims filed in your zip code.

Kentucky Average Annual Car Insurance Rates
Coverage Rates
Liability $529.21
Collision $267.91
Comprehensive $141.39
Total Cost Per Year $801.97
Price Per Month $66.83
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Kentucky rates from 2011 to 2015, the most recent year the data is available. According to the III, Kentucky car insurance rates increased from $744 in 2011 to $802 in 2015, a jump of $57 dollars, or 7.71 percent.

Kentucky average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. QuoteWizard can help you find cheap car insurance rates near Louisville and save up to 40% on your premium.

Last year, 17,561 people used QuoteWizard to compare auto insurance quotes in Louisville, KY from multiple companies.

Best Car Insurance Companies in Louisville, KY

This is our list of the most common car insurance companies reported by QuoteWizard users living in Louisville, Kentucky last year.

Other popular Louisville, Kentucky car insurance companies: Kentucky Farm Bureau, AIG, MetLife, Hartford, Travelers, 21st Century, and Country Financial.

Top 10 Vehicles in Louisville

These are the most common car makes and models owned by Louisville, KY drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Impala LS
  3. Ford Taurus
  4. Ford Explorer
  5. Chevrolet Blazer
  6. Ford Ranger
  7. Chevrolet Malibu
  8. Honda Accord LX/EX
  9. Ford Mustang
  10. Ford Escape XLT

Minimum Car Insurance Requirements in Louisville, KY

Louisville, Kentucky has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The most your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The maximum amount your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your carrier will pay for property damage caused by a car accident.

Louisville Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Louisville ranked 69th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 9.2 years, just 8.9 percent higher than the national average.

Driving Conditions

Some factors that affect car insurance rates are the weather and road conditions.


The weather in Louisville, KY is humid subtropical with four distinct seasons ranging from hot, humid weather in the summer to cold weather in the winter. The average high temperature during the summer months is about 85 F, and the average temperature in the winter is approximately 28 F. Louisville averages 44.91 inches of annual precipitation, with spring being the wettest season and summer the driest. Snow is common in the winter with an average of 11.8 snowy days bringing 12.5 inches of fresh snow to area roadways each year.

Road conditions

According to a recent study by TRIP, 26 percent of the major roads in Louisville are in poor condition. Another 26 percent of the roads are in poor condition. These poor driving conditions cost Louisville motorists $628 a year in extra vehicle repairs and operating costs.

Traffic Congestion

TomTom's annual traffic index report ranked Louisville 160th for worst traffic congestion in the world. An average commuter spends an additional 22 minutes per hour stuck in traffic during peak commute times and 87 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations including speeding tickets and accidents can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.

Traffic Tickets

The City of Louisville Police Department website allows residents to pay traffic tickets and plead guilty and tells drivers how to contest tickets by pleading not guilty. It also provides traffic school and helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Louisville DUI insurance.

Traffic Fatalities

Louisville experienced 80 motor vehicle crash fatalities in 2014. This works out to a fatality rate of 2.62 per 100,000 residents. All traffic deaths are a tragic loss, but considering Louisville’s estimated population of 609,893, this is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Louisville police recorded 4,364 vehicle thefts in 2016, a rate of 6.38 per 1,000 residents. This is nearly three times the national rate of 2.20 stolen cars per 1,000 people.

Car Insurance Discounts in Louisville, KY

Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available in Louisville, KY depending on your insurer. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. Louisville has a high rate of auto theft. Reduce the risk to your car with an anti-theft device, and your insurer may have a discount for you.
  2. Fort Knox, located 35 miles south of Louisville, is home to more than 40,000 soldiers, family members, and employees. If you’re one of them, you may qualify for a military discount.
  3. Louisville households have an average of two cars. If you own two or more cars, ask what your insurance company has in the way of multi-car discounts.
  4. Bundling an auto policy with life, renters, or home insurance is a great way to save money on insurance, often up to 15 percent.
  5. Students at the University of Louisville can save money on their auto insurance with a good student discount.

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