How Much Does Car Insurance Cost in Louisville?
Louisville premiums, which exceed Kentucky's average by $255, are known for being pricey. Therefore if you are insuring a vehicle in Louisville, saving money is crucial. Who doesn't like saving money? Check out some ways to save on car insurance in Louisville.
INSURANCE COSTS: LOUISVILLE VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Louisville Car Insurance by Accident or Violation History
Possessing a spotless driving record is imperative to keep your insurance rates minimal. Accidents happen, even to safe drivers, so be prepared and learn the effect one can have on your rates. For individuals in Louisville with at-fault accidents, $1,279 is the amount by which annual insurance premiums can be expected to rise. In Louisville, drivers with a DUI need to spend 56% more than the city average to insure their vehicle. Reckless driving will also drive your rates up, with typical rates of $3,576, which are 55% higher than the city average!
AVERAGE LOUISVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$3,584|
|At-fault Accident (damages greater than $2,000)||$3,584|
|Speeding Ticket (16-20 mph over speed limit)||$2,773|
Louisville Auto Insurance by Credit Score
The disparity between average car insurance premiums in Louisville for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $3,133 per year. In terms of percent change, the most notable benefit of better credit comes from upgrading from Fair (580-669) to Good (670-739), by which drivers can save approximately 23% per year.
LOUISVILLE AUTO INSURANCE COSTS BY CREDIT TIER
|Credit Score||Average Car Insurance Rate|
Louisville Car Insurance Rates by Age
When drivers reach their 20s in Louisville, therefore moving out of the teenage age bracket, they can save $7,014, which is the most change you'll see between any age group. Car insurance premiums in Louisville continue to trend downward up until drivers hit 60. Looking across all age groups, drivers in their 50s tend to have the smallest insurance premiums. Their rates usually average $2,059 per year. However, people in their 60s ($2,108) also have relatively low premiums. Teenage drivers have the highest rates amongst all the age groups, with car insurance payments of $10,153 on average.
LOUISVILLE AUTO INSURANCE PREMIUMS BY DRIVER AGE
Louisville Auto Insurance by Gender and Marital Status
Car insurance premiums in Louisville differ based on your marital status and gender. On average, females have premiums that are 3% more costly than those for males. Being married can save you close to $130 per year compared to being single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single.
LOUISVILLE CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
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
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
Find Local Louisville Agents
Logan Lavelle Hunt Insurance Agency, LLC
11420 Bluegrass Pkwy Louisville, KY 40299
Family Select Insurance
6409 Dutchmans Pkwy Louisville, KY 40205
4025 Preston Highway Louisville, KY 40213
Hyland Block & Hyland
1250 S 3rd St Louisville, KY 40203
USI Insurance Services, LLC.
950 Breckenridge Ln, Ste 50 Louisville, KY 40207
2200 Greene Way Louisville, KY 40220
Complete Insurance Services, LLC
3000 Eastpoint Parkway Louisville, KY 40223
Braden Insurance Agency, Inc.
3069 Breckenridge Lane Louisville, KY 40220
Assured Neace Lukens Insurance
2305 River Rd Louisville, KY 40206
Burke & Burke Insurance Services, LLC
3703 Taylorsville Rd Ste 213 Louisville, KY 40220
Schwartz Insurance Group
2950 Breckenridge Lane #8 Louisville, KY 40220
R. H. Clarkson Insurance Agency, LLC
401 W Main Street, Suite 1500 Louisville, KY 40202
620 West Shipp Avenue Louisville, KY 40208
Nolan Insurance Corp
903 E. Chestnut Street Louisville, KY 40204
Francis & Company, Inc.
3103 Breckenridge Ln Ste 6 Louisville, KY 40220
Burns Insurance, Inc.
207 Breckenridge Ln Louisville, KY 40207
1601 Alliant Avenue Louisville, KY 40299
Zach Leonardo & Associates, LLC
3550 Frankfort Ave. Louisville, KY 40207
Anderson & Associates, Inc.
729 Executive Park Louisville, KY 40207
Hatter, Hinkebein & Barlow Insurance
5300 Bardstown Road Louisville, KY 40291
A Central Insurance Agency
6708 Shepherdsville Rd Louisville, KY 40228
Houston & Houston Ins Agcy, Inc.
4027 Preston Hwy Louisville, KY 40213
Sterling G. Thompson Company
545 South Third Street - Suite 300 Louisville, KY 40202
Kiely Hines & Associates Insurance Agency, Inc.
6100 Dutchmans Lane - 10th Floor Louisville, KY 40205
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