Car Insurance in Louisville

On average, premiums in Louisville surpass Kentucky's average by 12%, so if you are insuring a vehicle in Louisville, cutting costs is important. Who doesn't like to save money? Check out some methods to save on car insurance in Louisville.

  • City Average: $2,305
  • State Average: $2,050
  • National Average: $1,427

Louisville Car Insurance by Gender and Marital Status

There are several factors, including gender and marital status, that impact car insurance premiums in Louisville. Premiums for men and women usually differ by 3%, with men paying less. Rates for those who are widowed are slightly cheaper than rates for those who are single. You spend $126 more per year if you're single as opposed to married.

  • Female: $2,369
  • Male: $2,305
  • Single: $2,305
  • Married: $2,179
  • Divorced: $2,305
  • Widowed: $2,291

Louisville Car Insurance by Credit Rating

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. Drivers can save approximately $917 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $5,126
  • Fair: $4,038
  • Good: $3,121
  • Very Good: $2,453
  • Exceptional: $1,993

Louisville Car Insurance by Age

The most significant fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Louisville start paying $7,014 less in premiums. While insurance rates for drivers in Louisville will continue to decline through their 50s, they should anticipate a change when they turn 60. Teenage drivers are the ones who pay the most in car insurance premiums, with typical payments of $10,153. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance payments among any age group, with rates of $2,059. People in their 60s ($2,108) aren’t paying much more.

  • Teenagers: $10,153
  • 20s: $3,139
  • 30s: $2,287
  • 40s: $2,182
  • 50s: $2,059
  • 60s: $2,108
  • 70s: $2,616

Louisville Car Insurance by Accident or Violation History

Do you realize how much an accident or violation on your record can cost you in terms of premiums? A DUI will increase your car insurance premiums more than other driving violations. Typically, a DUI in Louisville will cost you 56% more in car insurance premiums versus the city average of $2,305. Reckless driving will push your premiums up as well, with average rates of $3,576. That is 55% higher than the city average! Being at-fault in an accident costs drivers an extra $1,279 per year to insure your vehicle in Louisville.

  • DUI: $3,591
  • Reckless Driving: $3,576
  • At-fault Accident (damages less than $1000): $3,584
  • At-fault Accident (damages greater than $2000): $3,584
  • Speeding Ticket (16-20 mph over speed limit): $2,773

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

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

Find Local Louisville Agents

Family Select Insurance

6409 Dutchmans Pkwy Louisville, KY 40205

Braden Insurance Agency, Inc.

3069 Breckenridge Lane Louisville, KY 40220

A Central Insurance Agency

6708 Shepherdsville Rd Louisville, KY 40228

Sterling G. Thompson Company

545 South Third Street - Suite 300 Louisville, KY 40202

Insuramax

2200 Greene Way Louisville, KY 40220

Zach Leonardo & Associates, LLC

3550 Frankfort Ave. Louisville, KY 40207

USI Insurance Services, LLC.

950 Breckenridge Ln, Ste 50 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

Garrett-Stotz Company

1601 Alliant Avenue Louisville, KY 40299

Assured Neace Lukens Insurance

2305 River Rd Louisville, KY 40206

Anderson & Associates, Inc.

729 Executive Park Louisville, KY 40207

Kiely Hines & Associates Insurance Agency, Inc.

6100 Dutchmans Lane - 10th Floor Louisville, KY 40205

Burke & Burke Insurance Services, LLC

3703 Taylorsville Rd Ste 213 Louisville, KY 40220

Sol Insurance

4025 Preston Highway Louisville, KY 40213

Hyland Block & Hyland

1250 S 3rd St Louisville, KY 40203

Nolan Insurance Corp

903 E. Chestnut Street Louisville, KY 40204

Complete Insurance Services, LLC

3000 Eastpoint Parkway Louisville, KY 40223

Patriot Group

620 West Shipp Avenue Louisville, KY 40208

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

Schwartz Insurance Group

2950 Breckenridge Lane #8 Louisville, KY 40220

Hatter, Hinkebein & Barlow Insurance

5300 Bardstown Road Louisville, KY 40291

Burns Insurance, Inc.

207 Breckenridge Ln Louisville, KY 40207

See All

Not sure about Louisville

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Lexington

$1,980

The average Louisvillian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

317

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

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Louisville Car Insurance

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