What's the Cost of Car Insurance in Louisville?


Kentucky is recognized for its costly premiums, as its mean rate is $623 higher than the national average. Premiums run even higher in the city, so in Louisville, it is important to cut costs while insuring a vehicle. We've analyzed how auto insurance rates in Louisville compare to costs nationwide.


CAR INSURANCE RATES: LOUISVILLE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,305$2,050$1,427


Louisville Car Insurance for Drivers With At-Fault Accidents or Violations


Having an untainted driving record is imperative to keep your insurance rates minimal. Do you want to increase your car insurance rates by an unignorable 20%? If not, be aware of your speed because a ticket for driving 16-20mph above the speed limit in Louisville will spark that increase. Drivers with a DUI in Louisville have rates 56% higher than the city average of $2,305. Reckless driving will also push 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
Violation/IncidentAverage Rate
DUI/DWI$3,591
Reckless Driving$3,576
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 Car Insurance by Marital Status and Gender


Both gender and marital status can play a part in your car insurance premiums in Louisville. Premiums are cheaper for men than for women. Men generally pay 3% less than women each year for insurance. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married, as opposed to single, can save you close to $130 per year.


LOUISVILLE CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,369
Male$2,305
Single$2,305
Married$2,179
Divorced$2,305
Widowed$2,291


Louisville Auto Insurance by Driver Age

Car insurance premiums are highest for teenage drivers, with payments that average $10,153 per year. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest rates among any age group, with rates of $2,059 per year. People in their 60s ($2,108) aren’t paying significantly more. In Louisville, when drivers reach their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by $7,014, which is the most change you'll see between any age group. Car insurance premiums continue to trend downward up until drivers hit 60.


LOUISVILLE AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$10,153
20s$3,139
30s$2,287
40s$2,182
50s$2,059
60s$2,108
70s$2,616


Louisville Auto Insurance by Credit Level


Average car insurance premiums in Louisville for individuals with Very Poor credit (300-579) are 2.6x higher than for those with Exceptional credit (800-850). Drivers can save around $917 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).


LOUISVILLE CAR INSURANCE RATES BY CREDIT LEVEL
Credit QualityAverage Rate
Very Poor$5,126
Fair$4,038
Good$3,121
Very Good$2,453
Exceptional$1,993


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.

123

Rainy Days a Year

45"

Avg. Annual Rainfall

13"

Avg. Annual Snowfall

Be Prepared For

Driving in Louisville

2
Major Highways
I-64 I-65 I-264
2
Public Transit
TARC Bus
2
Popular Day Trips
Lexington Red River Gorge Cumberland Falls

Find Local Louisville Agents

Houston & Houston Ins Agcy, Inc.

4027 Preston Hwy Louisville, KY 40213

Garrett-Stotz Company

1601 Alliant Avenue Louisville, KY 40299

Complete Insurance Services, LLC

3000 Eastpoint Parkway Louisville, KY 40223

Logan Lavelle Hunt Insurance Agency, LLC

11420 Bluegrass Pkwy Louisville, KY 40299

Francis & Company, Inc.

3103 Breckenridge Ln Ste 6 Louisville, KY 40220

Sol Insurance

4025 Preston Highway Louisville, KY 40213

Assured Neace Lukens Insurance

2305 River Rd Louisville, KY 40206

Family Select Insurance

6409 Dutchmans Pkwy Louisville, KY 40205

USI Insurance Services, LLC.

950 Breckenridge Ln, Ste 50 Louisville, KY 40207

R. H. Clarkson Insurance Agency, LLC

401 W Main Street, Suite 1500 Louisville, KY 40202

Burke & Burke Insurance Services, LLC

3703 Taylorsville Rd Ste 213 Louisville, KY 40220

Sterling G. Thompson Company

545 South Third Street - Suite 300 Louisville, KY 40202

Braden Insurance Agency, Inc.

3069 Breckenridge Lane Louisville, KY 40220

Hyland Block & Hyland

1250 S 3rd St Louisville, KY 40203

Hatter, Hinkebein & Barlow Insurance

5300 Bardstown Road Louisville, KY 40291

Anderson & Associates, Inc.

729 Executive Park Louisville, KY 40207

Insuramax

2200 Greene Way Louisville, KY 40220

Burns Insurance, Inc.

207 Breckenridge Ln Louisville, KY 40207

Kiely Hines & Associates Insurance Agency, Inc.

6100 Dutchmans Lane - 10th Floor Louisville, KY 40205

Zach Leonardo & Associates, LLC

3550 Frankfort Ave. Louisville, KY 40207

A Central Insurance Agency

6708 Shepherdsville Rd Louisville, KY 40228

Patriot Group

620 West Shipp Avenue Louisville, KY 40208

Schwartz Insurance Group

2950 Breckenridge Lane #8 Louisville, KY 40220

Nolan Insurance Corp

903 E. Chestnut Street Louisville, KY 40204

See All

Not sure about Louisville

Check out these other Kentucky cities...

Lexington

2

$1,980

The average Louisvillian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

317

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

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