How Much Are Car Insurance Rates in Louisville?
On average, premiums in Louisville exceed the state average by 9%, so cutting costs while insuring a vehicle in Louisville is especially important. Who doesn't like to save money? Check out some methods to save on auto insurance in Louisville.
CAR INSURANCE COSTS: LOUISVILLE VS. STATE/US MEAN
|City Average||State Average||National Average|
Louisville Auto Insurance by Gender and Marital Status
In Louisville, both marital status and gender contribute to your auto insurance premiums. Being married, as opposed to single, can save you roughly 6% per year. Rates for those who are widowed are marginally cheaper than rates for those who are single. Premiums are more costly for women. Women normally pay 3% more than men every year for insurance.
LOUISVILLE AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Louisville Car Insurance Premiums by Age Bracket
Among all age groups, drivers in their 50s have the lowest premiums, with rates of $1,859/year. However, people in their 70s ($1,863) and 60s ($1,906) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with average payments of $8,985 per year. In Louisville, drivers see the most significant fall in premiums when they reach their 20s, as they pay an average of $7,126 less after moving out of the teenage age range. Turning 60 triggers a rise in premiums, but up until that age drivers can anticipate premium reductions when they progress between age groups.
LOUISVILLE CAR INSURANCE PRICES BY DRIVER AGE
Louisville Car Insurance With Accidents or Violations
Do you know the impact an accident or violation can have on your car insurance rates? Accidents happen, even to safe drivers, so be prepared and learn how your rates can change after one. If you are found at-fault in an accident in Louisville, expect your yearly car insurance payments to grow by $1,172. Typically, a DUI in Louisville will cost you 51% more in car insurance premiums versus the city average ($2,080). Reckless driving will also push your rates up, with average rates of $3,180!
AVERAGE LOUISVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$3,252|
|At-fault Accident (damages greater than $2,000)||$3,252|
|Speeding Ticket (16-20 mph over speed limit)||$2,480|
Louisville Car Insurance by Credit Score
The discrepancy between average car insurance premiums in Louisville for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $3,628 per year. Shifting from Very Poor (300-579) to Fair (580-669) generates the greatest percent drop in premiums, as drivers save close to 51% per year.
LOUISVILLE AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||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
Hatter, Hinkebein & Barlow Insurance
5300 Bardstown Road Louisville, KY 40291
Schwartz Insurance Group
2950 Breckenridge Lane #8 Louisville, KY 40220
USI Insurance Services, LLC.
950 Breckenridge Ln, Ste 50 Louisville, KY 40207
2200 Greene Way Louisville, KY 40220
R. H. Clarkson Insurance Agency, LLC
401 W Main Street, Suite 1500 Louisville, KY 40202
1601 Alliant Avenue Louisville, KY 40299
Kiely Hines & Associates Insurance Agency, Inc.
6100 Dutchmans Lane - 10th Floor Louisville, KY 40205
Francis & Company, Inc.
3103 Breckenridge Ln Ste 6 Louisville, KY 40220
Zach Leonardo & Associates, LLC
3550 Frankfort Ave. Louisville, KY 40207
A Central Insurance Agency
6708 Shepherdsville Rd Louisville, KY 40228
Nolan Insurance Corp
903 E. Chestnut Street Louisville, KY 40204
Braden Insurance Agency, Inc.
3069 Breckenridge Lane Louisville, KY 40220
620 West Shipp Avenue Louisville, KY 40208
Burke & Burke Insurance Services, LLC
3703 Taylorsville Rd Ste 213 Louisville, KY 40220
Complete Insurance Services, LLC
3000 Eastpoint Parkway Louisville, KY 40223
Sterling G. Thompson Company
545 South Third Street - Suite 300 Louisville, KY 40202
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
Burns Insurance, Inc.
207 Breckenridge Ln Louisville, KY 40207
Houston & Houston Ins Agcy, Inc.
4027 Preston Hwy Louisville, KY 40213
Assured Neace Lukens Insurance
2305 River Rd Louisville, KY 40206
Anderson & Associates, Inc.
729 Executive Park Louisville, KY 40207
Not sure about Louisville
Check out these other Kentucky cities...
The average Louisvillian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Louisville
Just enter your zip code to get started
Louisville Car Insurance
Will my insurance company pay me directly for a claim?
I backed into a pole and dented my car. Should I file a claim? And if I do and I ...
Louisville Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...