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 AverageState AverageNational Average
$2,080$1,911$1,569


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/GenderAverage Rate
Female$2,144
Male$2,080
Single$2,080
Married$1,964
Divorced$2,080
Widowed$2,050


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
AgeAverage Rate
Teenagers$8,985
20s$2,817
30s$2,064
40s$1,973
50s$1,859
60s$1,906
70s$1,863


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
Violation/IncidentAverage Rate
DUI/DWI$3,138
Reckless Driving$3,180
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 ScoreAverage Rate
Very Poor$5,360
Fair$2,624
Good$2,080
Very Good$1,872
Exceptional$1,732


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

Nolan Insurance Corp

903 E. Chestnut Street Louisville, KY 40204

USI Insurance Services, LLC.

950 Breckenridge Ln, Ste 50 Louisville, KY 40207

Sterling G. Thompson Company

545 South Third Street - Suite 300 Louisville, KY 40202

Hyland Block & Hyland

1250 S 3rd St Louisville, KY 40203

Insuramax

2200 Greene Way Louisville, KY 40220

Hatter, Hinkebein & Barlow Insurance

5300 Bardstown Road Louisville, KY 40291

Kiely Hines & Associates Insurance Agency, Inc.

6100 Dutchmans Lane - 10th Floor Louisville, KY 40205

Patriot Group

620 West Shipp Avenue Louisville, KY 40208

Family Select Insurance

6409 Dutchmans Pkwy Louisville, KY 40205

Burns Insurance, Inc.

207 Breckenridge Ln Louisville, KY 40207

Anderson & Associates, Inc.

729 Executive Park Louisville, KY 40207

Houston & Houston Ins Agcy, Inc.

4027 Preston Hwy Louisville, KY 40213

Francis & Company, Inc.

3103 Breckenridge Ln Ste 6 Louisville, KY 40220

Assured Neace Lukens Insurance

2305 River Rd Louisville, KY 40206

Braden Insurance Agency, Inc.

3069 Breckenridge Lane Louisville, KY 40220

Complete Insurance Services, LLC

3000 Eastpoint Parkway Louisville, KY 40223

A Central Insurance Agency

6708 Shepherdsville Rd Louisville, KY 40228

Burke & Burke Insurance Services, LLC

3703 Taylorsville Rd Ste 213 Louisville, KY 40220

Zach Leonardo & Associates, LLC

3550 Frankfort Ave. Louisville, KY 40207

Logan Lavelle Hunt Insurance Agency, LLC

11420 Bluegrass Pkwy Louisville, KY 40299

Schwartz Insurance Group

2950 Breckenridge Lane #8 Louisville, KY 40220

Sol Insurance

4025 Preston Highway Louisville, KY 40213

R. H. Clarkson Insurance Agency, LLC

401 W Main Street, Suite 1500 Louisville, KY 40202

Garrett-Stotz Company

1601 Alliant Avenue Louisville, KY 40299

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

Revised

317

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

See How Much You Can Save in Louisville

Just enter your zip code to get started

or
Location pin icon
Your information is secure.

Recent Questions:

Louisville Car Insurance

How many years do insurance companies check for Kentucky?

It depends on the company. Most companies go back five years for at-fault accidents, but some only go back 3 years.

Will my insurance company pay me directly for a claim?

Unless your vehicle was totaled, the insurance company normally pays the repair facility directly after you pay your collision deductible. You would have to speak with them about making other arrangements for the claim payout.