What's the average cost of car insurance in Louisville?


The typical Louisville driver pays $2,523 per year for car insurance coverage. That's more than the average across Kentucky ($2,208) and more costly than the national average of $1,548. Our guide to Louisville car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


LOUISVILLE AUTO INSURANCE PREMIUMS
Louisville Average (annual)Kentucky AverageNational Average
$2,523$2,208$1,548

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Louisville car insurance rates by provider


One of the most important determinants of your car insurance rates is the insurance company you work with. In Louisville, Kentucky Farm Bureau provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Louisville below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


LOUISVILLE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
Kentucky Farm Bureau$1,419
State Farm$1,471
GEICO$1,722
Liberty Mutual$2,180
Progressive$3,134

Read our guide to finding the best cheap auto insurance.



Louisville car insurance premiums by age

The age bracket that pays the least for auto insurance in Louisville consists of drivers in their 50s, who pay an average of $2,131. Those in their 60s don't pay significantly more ($2,191).

Teenage drivers pay Louisville's most expensive insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Louisville is to celebrate your 20th birthday. In Louisville, teenage drivers pay $9,981 — a full $7,791 more than the second-most expensive rate paid by an age group.


LOUISVILLE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$9,981
20s$3,403
30s$2,452
40s$2,298
50s$2,131
60s$2,191
70s$2,690

Learn more about the impact of age on auto insurance rates.



Louisville auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Louisville pay $251 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Louisville, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Louisville, female drivers pay more for auto insurance than do male drivers: $49 per year, to be precise.


LOUISVILLE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$2,572
Male$2,523
Single$2,272
Married$2,272
Divorced$2,523
Widowed$2,379

Read more about the relationships between gender, marital status and insurance rates.



Louisville car insurance costs by incident history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Louisville drivers found guilty of reckless driving face insurance rate increases of $1,228 per year, compared to the citywide average. A DUI violation may lead to a $1,528 increase, while a citation for speeding leads to a $429 rate hike.


AVERAGE LOUISVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DUI/DWI$4,051
Reckless Driving$3,751
At-fault Accident (damages less than $1,000)$3,611
At-fault Accident (damages > $2,000)$3,950
Speeding Ticket (16-20 mph over speed limit)$2,952

Learn more about citations' impact on your auto insurance rates.



Louisville car insurance rates by credit score


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Louisville drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 61% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Louisville, improving your credit to "Fair" could help you earn a $2,215 decrease in annual car insurance rates.


LOUISVILLE CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit ScoreAverage Yearly Rate
Very Poor$5,287
Fair$3,072
Good$2,523
Very Good$2,316
Exceptional$2,053

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.

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
2
Parking

City of Louisville Parking

Downtown Parking

Find Local Louisville Agents

Insuramax

2200 Greene Way, Louisville, KY 40220

Burke & Burke Insurance Services, LLC

3703 Taylorsville Rd Ste 213, Louisville, KY 40220

Burns Insurance, Inc.

207 Breckenridge Ln, Louisville, KY 40207

Zach Leonardo & Associates, LLC

3550 Frankfort Ave., Louisville, KY 40207

Schwartz Insurance Group

2950 Breckenridge Lane #8, Louisville, KY 40220

Family Select Insurance

6409 Dutchmans Pkwy, Louisville, KY 40205

Hatter, Hinkebein & Barlow Insurance

5300 Bardstown Road, Louisville, KY 40291

USI Insurance Services, LLC.

950 Breckenridge Ln, Ste 50, Louisville, KY 40207

Houston & Houston Ins Agcy, Inc.

4027 Preston Hwy, Louisville, KY 40213

Patriot Group

620 West Shipp Avenue, Louisville, KY 40208

Hyland Block & Hyland

1250 S 3rd St, Louisville, KY 40203

Complete Insurance Services, LLC

3000 Eastpoint Parkway, Louisville, KY 40223

Braden Insurance Agency, Inc.

3069 Breckenridge Lane, Louisville, KY 40220

Sol Insurance

4025 Preston Highway, Louisville, KY 40213

Francis & Company, Inc.

3103 Breckenridge Ln Ste 6, Louisville, KY 40220

A Central Insurance Agency

6708 Shepherdsville Rd, Louisville, KY 40228

Garrett-Stotz Company

1601 Alliant Avenue (502) 415-7000, Louisville, KY 40299

R. H. Clarkson Insurance Agency, LLC

401 W Main Street, Suite 1500, Louisville, KY 40202

Logan Lavelle Hunt Insurance Agency, LLC

11420 Bluegrass Pkwy, Louisville, KY 40299

Sterling G. Thompson Company

545 South Third Street - Suite 300, Louisville, KY 40202

Nolan Insurance Corp

903 E. Chestnut Street, Louisville, KY 40204

Kiely Hines & Associates Insurance Agency, Inc.

6100 Dutchmans Lane - 10th Floor, Louisville, KY 40205

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:

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

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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.