The average Louisvillian's annual cost of coverage


Our customer's average savings after comparing insurance


That's equal to 317 cups of coffee or $792 in savings

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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 Cheap
40297 40203 40210 40211 40212
40207 40220 40222 40205 40280

Be Prepared For

Driving in Louisville

Major Highways
I-64 I-65 I-264
Public Transit
Popular Day Trips
Lexington Red River Gorge Cumberland Falls

Louisville Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Louisville, you can expect 123 rainy days with an annual rainfall of 44.9 inches. Louisville is also known to experience thunderstorms and tornadoes. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in Louisville

Find Local Louisville Agents

Sol Insurance

4025 Preston Highway Louisville, KY 40213

Burns Insurance, Inc.

207 Breckenridge Ln Louisville, KY 40207

Logan Lavelle Hunt Insurance Agency, LLC

11420 Bluegrass Pkwy Louisville, KY 40299

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