Louisville, KY Car Insurance

What's the average cost of car insurance in Louisville?

The typical Louisville driver pays $2,523 per year for car insurance coverage. That's more than the average across Kentucky ($2,208) and more costly than the national average of $1,548. Our guide to Louisville car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

LOUISVILLE AUTO INSURANCE PREMIUMS

Louisville Average (annual)	Kentucky Average	National Average
$2,523	$2,208	$1,548

Jump to Louisville auto insurance premiums by:

• Provider
• Age
• Gender and marital status
• Driving record
• Credit score

Louisville car insurance rates by provider

One of the most important determinants of your car insurance rates is the insurance company you work with. In Louisville, Kentucky Farm Bureau provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Louisville below. You should only use this list as a starting point: it's important to compare quotes true to your unique profile.

LOUISVILLE CAR INSURANCE RATES BY COMPANY

Insurance Company	Average Annual Rate
Kentucky Farm Bureau	$1,419
State Farm	$1,471
GEICO	$1,722
Liberty Mutual	$2,180
Progressive	$3,134

Read our guide to finding the best cheap auto insurance.

Louisville car insurance premiums by age

The age bracket that pays the least for auto insurance in Louisville consists of drivers in their 50s, who pay an average of $2,131. Those in their 60s don't pay significantly more ($2,191).

Teenage drivers pay Louisville's most expensive insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Louisville is to celebrate your 20th birthday. In Louisville, teenage drivers pay $9,981 — a full $7,791 more than the second-most expensive rate paid by an age group.

LOUISVILLE CAR INSURANCE PREMIUMS BY DRIVER AGE

Age group	Average Yearly Rate
Teenagers	$9,981
20s	$3,403
30s	$2,452
40s	$2,298
50s	$2,131
60s	$2,191
70s	$2,690

Learn more about the impact of age on auto insurance rates.

Louisville auto insurance premiums by gender and marital status

In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Louisville pay $251 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Louisville, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Louisville, female drivers pay more for auto insurance than do male drivers: $49 per year, to be precise.

LOUISVILLE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER

Gender/Marital Status	Average Yearly Rate
Female	$2,572
Male	$2,523
Single	$2,272
Married	$2,272
Divorced	$2,523
Widowed	$2,379

Read more about the relationships between gender, marital status and insurance rates.

Louisville car insurance costs by incident history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Louisville drivers found guilty of reckless driving face insurance rate increases of $1,228 per year, compared to the citywide average. A DUI violation may lead to a $1,528 increase, while a citation for speeding leads to a $429 rate hike.

AVERAGE LOUISVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

Incident	Average Annual Rate
DUI/DWI	$4,051
Reckless Driving	$3,751
At-fault Accident (damages less than $1,000)	$3,611
At-fault Accident (damages > $2,000)	$3,950
Speeding Ticket (16-20 mph over speed limit)	$2,952

Learn more about citations' impact on your auto insurance rates.

Louisville car insurance rates by credit score

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Louisville drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 61% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Louisville, improving your credit to "Fair" could help you earn a $2,215 decrease in annual car insurance rates.

LOUISVILLE CAR INSURANCE PREMIUMS BY CREDIT TIER

Credit Score	Average Yearly Rate
Very Poor	$5,287
Fair	$3,072
Good	$2,523
Very Good	$2,316
Exceptional	$2,053

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

What drives up car insurance rates in Louisville?

Where you live in Louisville affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Louisville is no exception to the rule. From ZIP code 40207 to 40212, premiums rise by 49 percent—that's $757.

Expensive Louisville ZIP codes: 40297, 40203, 40210, 40211, 40212

Cheap Louisville ZIP codes: 40207, 40220, 40222, 40205, 40280