Best Auto Insurance Rates in Louisville, Kentucky

On average your neighbors pay $65 a month.

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Compare Auto Insurance Quotes in Louisville, KY

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 $782.89 per year. The national average annual cost of coverage is $866.31.

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 $523.10
Collision $260.85
Comprehensive $133.55
Total Cost Per Year $782.89
Price Per Month $65.24

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, and find the cheapest rates.

Top 10 Vehicles in Louisville

This is our list of the most common car makes and models owned by Louisville 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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Louisville

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

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

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.

Louisville drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

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

Weather

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, 46% of the major roads in Louisville are in poor or mediocre condition costing drivers $519 a year in extra vehicle repairs and operating costs.

Traffic Congestion

TomTom's annual traffic index report ranked Louisville 36th for worst traffic congestion in the US. An average commuter spends an additional 23 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, accidents, and drunk driving 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.

Legal Minimum Insurance Requirements

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.

Save With Car Insurance Discounts

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. Bundle your policies. Bundling your auto policy with your homeowners or renters insurance could save you up to 15%. Bundling your cars on one policy will qualify you for the multi-car discount
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Maintain at least a B average in school to qualify for the good student discount
  4. If you're over 55 you could qualify for the senior discount or the 55 and retired discount
  5. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  6. Get a new car could qualify you for the new car discount. If the car has advanced safety features like anti-lock brakes or electronic stability control, you may qualify for additional discounts
  7. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  8. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  9. Install anti-theft devices or car alarm systems
  10. Shop around and compare cheap Louisville auto insurance quotes and discover every discount you qualify for

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