Cheapest Auto Insurance in Louisville, Kentucky (2025)
National General offers the cheapest car insurance in Louisville, with minimum-coverage policies as low as $141 per month.
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Liability-only car insurance in Louisville costs an average of $194 per month. Louisville drivers pay much more for liability car insurance than the Kentucky state average of $121 per month and the national average of $104.
The city’s high rate of auto theft likely contributes to the higher costs of car insurance in Louisville.1
Comparing quotes can help you find more affordable rates. Here’s what you need to know to find cheap car insurance in Louisville.
6 of the cheapest car insurance companies in Louisville
Auto-Owners, National General, and State Farm are a few of the best car insurance companies with cheap average rates in Louisville.
When it comes to car insurance, each person has their own needs based on various factors. These factors include age, vehicle type, driving record, coverage limits, chosen deductibles, credit history, marital status, and more. The best car insurance company for you will depend on your specific coverage needs, your budget, and driver profile.
For instance, if you only need liability coverage, Auto-Owners may be the most affordable option. But if you have a DUI on your record or are a teen driver, you may find another company that has cheaper rates.
Best insurer for discounts: Auto-Owners
Best insurer for good drivers: National General
Best insurer for teens and young drivers: State Farm
How to get the cheapest car insurance in Louisville
Comparing rates from multiple car insurance companies can help you find the cheapest and best policy available to you. You can also take additional steps to hold rates down, including:
Shop for car insurance before your renewal date. This gives you more time to research your options and find good rates. Plus, many insurers offer discounts for “early bird” shoppers.
Look for discounts for having multiple cars and multiple family members on your policy.
Bundle your auto insurance with renters insurance, life insurance, and a homeowners policy for a bundling discount.
Choose a vehicle with a good safety rating. Insurers often offer discounts for safety equipment and technology.
Maintain a clean driving record.
Review your deductibles and coverage limits. Higher collision and comprehensive deductibles and lower limits will reduce your premium. Just be sure you’re financially able to pay more out of pocket in case of an accident.
Choose a vehicle with safety features and anti-theft devices.
Cheapest liability-only car insurance in Louisville: National General
Kentucky requires drivers to have a minimum amount of liability car insurance.
Liability coverage provides two types of protection: property damage and bodily injury. Property damage liability covers the cost of damage you cause to someone else’s property with your car, such as their car, house, or tree. Bodily injury liability coverage pays for expenses associated with injuries to another driver and their passengers in a crash for which you’re at fault.
It’s important to remember that a liability-only policy won’t cover any expenses for repairing your car or any medical bills you may have incurred from the accident. It only protects the other parties in an accident you caused. Liability-only policies typically work best for drivers with older, inexpensive, and paid-off vehicles.
On average, Louisville drivers pay $194 per month for liability-only coverage. The following table provides examples of liability insurance costs for Louisville drivers.
Cheapest full-coverage car insurance in Louisville: Auto-Owners
Although liability-only car insurance is available in Kentucky, your insurance agency or agent may recommend you opt for full coverage instead. If you’re financing or leasing your vehicle, your lender may mandate full coverage.
While liability-only insurance covers the other driver, their passengers, and their car, full coverage provides protection for you, your passengers, and your vehicle.
Full-coverage car insurance typically includes liability, collision, and comprehensive. Collision coverage pays for damage to your vehicle, no matter who causes the accident. Comprehensive insurance can pay for damage to your car caused by non-accident events like theft, vandalism, weather events, and accidents involving animals.
Full coverage costs Louisville drivers $277 per month, on average. Here’s a look at what Louisville drivers might pay for full-coverage car insurance from some top insurers in the city.
Car insurance requirements in Kentucky
To drive legally in Kentucky, you’ll need to have at least the following amount of coverage:
Additionally, Louisville drivers might benefit from the following optional coverages:
Cheapest car insurance for drivers with an incident
Speeding tickets, accidents, DUIs, and other driving violations can cause your insurance company to increase your rates. Drivers with past driving violations are at higher risk of filing claims, so insurers adjust their rates accordingly.
The average cost of car insurance for Louisville drivers with traffic incidents on their motor vehicle record is $230 per month for liability insurance and $328 for full-coverage insurance.
Cheapest car insurance for drivers with a speeding ticket: National General
It’s important to know that many insurers will increase your car insurance premiums following a speeding ticket. How much a ticket affects your rates depends on the insurer and the state where you live. If it’s your first violation, it’s possible a speeding ticket won’t affect your rates at all.
In Louisville, the average cost of car insurance for Louisville drivers with a speeding ticket is $236 per month for liability insurance and $337 for full coverage.
The following table illustrates how a speeding ticket can affect liability car insurance rates for drivers in Louisville.
Cheapest car insurance for drivers with an at-fault accident: National General
Louisville residents who cause an accident will find that their auto insurance rates will most likely go up. But some insurance companies offer accident-forgiveness coverage that prevents rate increases for certain types of accidents, or after a specific period of accident-free coverage.
Louisville drivers with an at-fault accident pay an average of $254 per month for liability-only coverage and $363 for full-coverage insurance.
Here’s a look at how an at-fault accident could affect your liability car insurance rates in Louisville.
Cheapest car insurance for drivers with a DUI: Progressive
Driving under the influence of alcohol or drugs is a serious crime. In Kentucky, a first offense can result in a six-month license suspension and 90 days in an alcohol or substance abuse program.5
A DUI violation will increase your car insurance rates significantly and stay on your record for 10 years. In more severe cases, insurance companies may even cancel your coverage or deny you new coverage if you try to buy a policy. But once the DUI is no longer listed on your motor vehicle report, you can anticipate a decrease in your car insurance rates.
On average, Louisville drivers with a DUI pay $240 per month for liability insurance. The following table shows liability insurance rates from top insurers for Kentucky drivers with a DUI on their motor vehicle records.
Cheapest car insurance for seniors: National General
Generally, senior citizens have the lowest car insurance rates of any age group. They tend to drive less than people of working age and have more experience behind the wheel. But despite having a clean driving record, you may see an increase in your car insurance rates once you turn 70.
Older drivers are more likely to be involved in accidents, according to the Insurance Institute for Highway Safety (IIHS). Moreover, if a senior driver does get into an accident, their injuries are typically more severe, leading to higher medical bills and increased costs for the insurance company.
The average cost of car insurance for Louisville seniors is $236 per month for full-coverage insurance and $165 for liability-only coverage.
Here’s a look at average car insurance costs for senior drivers in Louisville.
Cheapest car insurance for teens: Progressive
Teenage drivers get into crashes almost four times more often per mile driven, according to the IIHS.6 Teens are more likely to engage in risky driving behaviors and have less experience handling road hazards like heavy rain and hail during spring storms in Louisville.
As a young driver, you can reduce your car insurance premium and find the most affordable coverage by taking advantage of various discounts. For instance, you can remain on your parents’ insurance policy, drive a safe car, leave your car at home if you go away to school, and earn good grades to qualify for student discounts. Additionally, some insurers reward good driving habits and accident-free records with discounts. You may also be able to get a discount by completing an approved driver education course.
Teen drivers in Louisville face average insurance costs of $359 per month for liability insurance and $513 for full-coverage insurance. The following table illustrates average costs for Louisville teens from some top insurance companies.
Louisville car insurance quotes by credit tier
In Kentucky, it’s legal for insurance companies to take your credit history into account when determining your car insurance premiums. Claims data indicates that people with lower credit scores may be more likely to file a claim. Consequently, if your credit is poor, your insurance cost will be higher.
Drivers with excellent or good credit typically pay significantly less than drivers with poor credit. Here’s a look at how credit can affect full-coverage car insurance costs in Louisville.
Is car insurance more expensive in Louisville?
Yes. Louisville drivers pay high average rates for car insurance, at $194 per month for liability and $277 for full-coverage insurance. This is much higher than the monthly state average costs of $121 for liability and $193 for full coverage and the national average costs of $104 for liability and $184 for full coverage.
Within Kentucky, car insurance generally costs more in the more urban Louisville ZIP codes than in nearby rural and suburban areas. Cars parked in the city are more susceptible to theft, vandalism, and vehicle accidents. Car insurance in Louisville is considerably more expensive than other highly-populated cities in Kentucky, including Bowling Green and Lexington.
More cities in Kentucky
Here’s a look at how Louisville’s car insurance costs compare to average rates in other Kentucky cities. On average, Louisville drivers pay $194 per month for liability and $277 for full-coverage insurance.