What's the Cost of Car Insurance in Louisville?
Kentucky is recognized for its costly premiums, as its mean rate is $623 higher than the national average. Premiums run even higher in the city, so in Louisville, it is important to cut costs while insuring a vehicle. We've analyzed how auto insurance rates in Louisville compare to costs nationwide.
CAR INSURANCE RATES: LOUISVILLE VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Louisville Car Insurance for Drivers With At-Fault Accidents or Violations
Having an untainted driving record is imperative to keep your insurance rates minimal. Do you want to increase your car insurance rates by an unignorable 20%? If not, be aware of your speed because a ticket for driving 16-20mph above the speed limit in Louisville will spark that increase. Drivers with a DUI in Louisville have rates 56% higher than the city average of $2,305. Reckless driving will also push 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
|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 Car Insurance by Marital Status and Gender
Both gender and marital status can play a part in your car insurance premiums in Louisville. Premiums are cheaper for men than for women. Men generally pay 3% less than women each year for insurance. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married, as opposed to single, can save you close to $130 per year.
LOUISVILLE CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Louisville Auto Insurance by Driver Age
Car insurance premiums are highest for teenage drivers, with payments that average $10,153 per year. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest rates among any age group, with rates of $2,059 per year. People in their 60s ($2,108) aren’t paying significantly more. In Louisville, when drivers reach their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by $7,014, which is the most change you'll see between any age group. Car insurance premiums continue to trend downward up until drivers hit 60.
LOUISVILLE AUTO INSURANCE RATES BY AGE
Louisville Auto Insurance by Credit Level
Average car insurance premiums in Louisville for individuals with Very Poor credit (300-579) are 2.6x higher than for those with Exceptional credit (800-850). Drivers can save around $917 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
LOUISVILLE CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Quality||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
Houston & Houston Ins Agcy, Inc.
4027 Preston Hwy Louisville, KY 40213
1601 Alliant Avenue Louisville, KY 40299
Complete Insurance Services, LLC
3000 Eastpoint Parkway Louisville, KY 40223
Logan Lavelle Hunt Insurance Agency, LLC
11420 Bluegrass Pkwy Louisville, KY 40299
Francis & Company, Inc.
3103 Breckenridge Ln Ste 6 Louisville, KY 40220
4025 Preston Highway Louisville, KY 40213
Assured Neace Lukens Insurance
2305 River Rd Louisville, KY 40206
Family Select Insurance
6409 Dutchmans Pkwy Louisville, KY 40205
USI Insurance Services, LLC.
950 Breckenridge Ln, Ste 50 Louisville, KY 40207
R. H. Clarkson Insurance Agency, LLC
401 W Main Street, Suite 1500 Louisville, KY 40202
Burke & Burke Insurance Services, LLC
3703 Taylorsville Rd Ste 213 Louisville, KY 40220
Sterling G. Thompson Company
545 South Third Street - Suite 300 Louisville, KY 40202
Braden Insurance Agency, Inc.
3069 Breckenridge Lane Louisville, KY 40220
Hyland Block & Hyland
1250 S 3rd St Louisville, KY 40203
Hatter, Hinkebein & Barlow Insurance
5300 Bardstown Road Louisville, KY 40291
Anderson & Associates, Inc.
729 Executive Park Louisville, KY 40207
2200 Greene Way Louisville, KY 40220
Burns Insurance, Inc.
207 Breckenridge Ln Louisville, KY 40207
Kiely Hines & Associates Insurance Agency, Inc.
6100 Dutchmans Lane - 10th Floor Louisville, KY 40205
Zach Leonardo & Associates, LLC
3550 Frankfort Ave. Louisville, KY 40207
A Central Insurance Agency
6708 Shepherdsville Rd Louisville, KY 40228
620 West Shipp Avenue Louisville, KY 40208
Schwartz Insurance Group
2950 Breckenridge Lane #8 Louisville, KY 40220
Nolan Insurance Corp
903 E. Chestnut Street Louisville, KY 40204
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