How Much Does Car Insurance Cost in Louisville?


Louisville premiums, which exceed Kentucky's average by $255, are known for being pricey. Therefore if you are insuring a vehicle in Louisville, saving money is crucial. Who doesn't like saving money? Check out some ways to save on car insurance in Louisville.


INSURANCE COSTS: LOUISVILLE VS. US/STATE AVERAGES
City AverageState AverageNational Average
$2,305$2,050$1,427


Louisville Car Insurance by Accident or Violation History


Possessing a spotless driving record is imperative to keep your insurance rates minimal. Accidents happen, even to safe drivers, so be prepared and learn the effect one can have on your rates. For individuals in Louisville with at-fault accidents, $1,279 is the amount by which annual insurance premiums can be expected to rise. In Louisville, drivers with a DUI need to spend 56% more than the city average to insure their vehicle. Reckless driving will also drive 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/IncidentMean Rate
DUI$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 Auto Insurance by Credit Score


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. In terms of percent change, the most notable benefit of better credit comes from upgrading from Fair (580-669) to Good (670-739), by which drivers can save approximately 23% per year.


LOUISVILLE AUTO INSURANCE COSTS BY CREDIT TIER
Credit ScoreAverage Car Insurance Rate
Very Poor$5,126
Fair$4,038
Good$3,121
Very Good$2,453
Exceptional$1,993


Louisville Car Insurance Rates by Age

When drivers reach their 20s in Louisville, therefore moving out of the teenage age bracket, they can save $7,014, which is the most change you'll see between any age group. Car insurance premiums in Louisville continue to trend downward up until drivers hit 60. Looking across all age groups, drivers in their 50s tend to have the smallest insurance premiums. Their rates usually average $2,059 per year. However, people in their 60s ($2,108) also have relatively low premiums. Teenage drivers have the highest rates amongst all the age groups, with car insurance payments of $10,153 on average.


LOUISVILLE AUTO INSURANCE PREMIUMS BY DRIVER 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 Gender and Marital Status


Car insurance premiums in Louisville differ based on your marital status and gender. On average, females have premiums that are 3% more costly than those for males. Being married can save you close to $130 per year compared to being single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single.


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


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

Anderson & Associates, Inc.

729 Executive Park Louisville, KY 40207

Francis & Company, Inc.

3103 Breckenridge Ln Ste 6 Louisville, KY 40220

Logan Lavelle Hunt Insurance Agency, LLC

11420 Bluegrass Pkwy Louisville, KY 40299

Sol Insurance

4025 Preston Highway Louisville, KY 40213

Patriot Group

620 West Shipp Avenue Louisville, KY 40208

Hyland Block & Hyland

1250 S 3rd St Louisville, KY 40203

Braden Insurance Agency, Inc.

3069 Breckenridge Lane Louisville, KY 40220

Insuramax

2200 Greene Way Louisville, KY 40220

A Central Insurance Agency

6708 Shepherdsville Rd Louisville, KY 40228

Burke & Burke Insurance Services, LLC

3703 Taylorsville Rd Ste 213 Louisville, KY 40220

Hatter, Hinkebein & Barlow Insurance

5300 Bardstown Road Louisville, KY 40291

Zach Leonardo & Associates, LLC

3550 Frankfort Ave. Louisville, KY 40207

USI Insurance Services, LLC.

950 Breckenridge Ln, Ste 50 Louisville, KY 40207

Nolan Insurance Corp

903 E. Chestnut Street Louisville, KY 40204

Sterling G. Thompson Company

545 South Third Street - Suite 300 Louisville, KY 40202

Schwartz Insurance Group

2950 Breckenridge Lane #8 Louisville, KY 40220

Houston & Houston Ins Agcy, Inc.

4027 Preston Hwy Louisville, KY 40213

Kiely Hines & Associates Insurance Agency, Inc.

6100 Dutchmans Lane - 10th Floor Louisville, KY 40205

Complete Insurance Services, LLC

3000 Eastpoint Parkway Louisville, KY 40223

Garrett-Stotz Company

1601 Alliant Avenue Louisville, KY 40299

Burns Insurance, Inc.

207 Breckenridge Ln Louisville, KY 40207

Family Select Insurance

6409 Dutchmans Pkwy Louisville, KY 40205

Assured Neace Lukens Insurance

2305 River Rd Louisville, KY 40206

R. H. Clarkson Insurance Agency, LLC

401 W Main Street, Suite 1500 Louisville, KY 40202

See All

Not sure about Louisville

Check out these other Kentucky cities...

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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