State Farm offers the lowest car insurance rates in Louisville, with average annual premiums of $623 for minimum coverage and $1,489 for full coverage. Travelers, Auto-Owners and GEICO also provide affordable coverage options in the city.
Car Insurance in Louisville
Updated: August 8, 2025
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Key Takeaways
The cheapest car insurance companies in Louisville are State Farm, Travelers and Auto-Owners, with rates up to 30% lower than the city average.
Louisville car insurance costs average $153 per month for full coverage and $88 for minimum coverage.
Find the best cheap auto insurance in Louisville by comparing quotes from multiple sources and selecting coverage that matches your needs.
Who Has the Cheapest Car Insurance in Louisville?
| State Farm | $52 | $124 | -30% |
| Travelers | $59 | $118 | -29% |
| Auto-Owners | $68 | $123 | -24% |
| GEICO | $64 | $143 | -17% |
| Shelter | $65 | $144 | -17% |
Cheapest Louisville Car Insurance by Category
State Farm offers the cheapest rates in five driver categories in Louisville. Travelers leads for young and newer-car drivers, while Auto-Owners wins for old cars and Grange Insurance ranks best for drivers with bad credit.
| Young Drivers | Travelers | $122 |
| Adult Drivers | State Farm | $52 |
| Senior Drivers | State Farm | $69 |
| Drivers With an Accident | State Farm | $61 |
| Drivers With a DUI | State Farm | $56 |
| Drivers With a Speeding Ticket | State Farm | $56 |
| Drivers With Bad Credit | Grange Insurance | $93 |
| Drivers With Newer Cars | Travelers | $56 |
| Drivers With Old Cars | Auto-Owners | $53 |
Compare the Cheapest Louisville Car Insurance for You
Your car insurance rates depend on your driving record, credit score and other personal factors. Check the table below to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $52 | $623 | -45% |
| Travelers | $59 | $709 | -37% |
| GEICO | $64 | $769 | -32% |
| Nationwide | $91 | $1,091 | -3% |
| Allstate | $113 | $1,357 | 20% |
Best Car Insurance Companies in Louisville
In Louisville, the top car insurance companies are Travelers, Auto-Owners, State Farm and Shelter. These providers stand out for delivering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 95 | 2 | 2 | 5 |
| Auto-Owners | 95 | 3 | 1 | 6 |
| State Farm | 89 | 1 | 5 | 7 |
| Shelter | 85 | 5 | 9 | 3 |
| GEICO | 84 | 4 | 6 | 7 |
Travelers: Best Overall Value
pros
Strong customer service ratings
Competitive rates across coverage types
Multiple coverage customization options
cons
Limited coverage add-ons
Fewer discounts than competitors
COMPANY HIGHLIGHTS
Travelers ranks first in Louisville by offering excellent value across all major categories. The company provides some of the most competitive rates in the city, with minimum coverage starting at $59 monthly. Their customer service stands out with high satisfaction scores, showing they handle claims efficiently and communicate clearly with policyholders. Travelers particularly excels with young drivers and those with newer vehicles, offering specialized coverage options for both groups.
Auto-Owners: Best for Customer Service
pros
Top-rated customer service
Clear claims process
Strong local agent network
cons
Must work through local agents
Limited online tools
COMPANY HIGHLIGHTS
Auto-Owners earns Louisville's second-best ranking thanks to outstanding customer service. While their minimum coverage rates start at $68 monthly, slightly above Travelers, they make up for it with superior claims handling and personal attention. They excel at insuring older vehicles, offering specialized coverage options that protect aging cars without excessive premiums. Their local agent network provides personalized service that's particularly valuable for drivers who prefer face-to-face interactions.
How Much Is Car Insurance in Louisville?
In Louisville, minimum coverage costs about $88 per month or $1,052 per year, ranking 549th out of all Kentucky cities for affordability. Full coverage averages $153 monthly or $1,835 annually, ranking 618th among Kentucky cities.
| Full Coverage | $153 | $1,835 |
| Minimum Coverage | $88 | $1,052 |
Louisville Car Insurance Cost by Category
In Louisville, monthly car insurance costs range from $85 to $379 depending on your driver category and coverage type.
| Young Drivers | $208 | $379 |
| Adult Drivers | $88 | $153 |
| Senior Drivers | $118 | $198 |
| Drivers With an Accident | $129 | $223 |
| Drivers With a DUI | $153 | $268 |
| Drivers With a Speeding Ticket | $106 | $185 |
| Drivers With Bad Credit | $153 | $319 |
| Drivers With Newer Cars | $105 | $184 |
| Drivers With Old Cars | $85 | $148 |
Louisville Car Insurance Costs by ZIP Code
In Louisville, car insurance rates by ZIP code range from $63 to $218 per month. ZIP code 40219 is the most expensive, while 40222 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:40222
| 40222 | $63 | $113 |
Compare Personalized Louisville Car Insurance Costs
While average rates by ZIP code help compare costs, the table below matches your exact profile by combining factors like age and driving history to show personalized Louisville rates.
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $93 | $1,113 | 18% |
How to Get the Best Cheap Louisville Car Insurance
Finding affordable car insurance in Louisville can be challenging with the city's high average rates, but you can lower your costs with the right approach. This step-by-step guide will help you navigate coverage options and find the best cheap car insurance for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need based on your vehicle's value and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore alternative coverage options
Different types of car insurance can help you save money. Consider pay-per-mile if you drive infrequently or non-owner coverage if you don't own a vehicle but occasionally drive.
- 3
Check Louisville insurance rates
Research average vehicle insurance costs in Louisville to set realistic expectations. Understanding typical rates for your area helps you recognize good deals and avoid overpaying for coverage.
- 4
Stack available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5
Research insurance company ratings
Investigate each insurer's customer service ratings and claims satisfaction scores. Look for companies with strong financial stability and positive reviews from Louisville drivers to ensure reliable coverage.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to help you get the most competitive rates available in Louisville.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for new quotes. Life changes, driving habits, and insurance rates fluctuate, so regular policy reviews help ensure you maintain the best rates.
Cheapest Car Insurance in Louisville: Bottom Line
Car insurance rates vary based on your driving history, credit and coverage needs. In Louisville, State Farm and Travelers have the cheapest average premiums overall, but compare quotes from multiple providers to find your best match.
Cheap Louisville Car Insurance: FAQ
Get clear answers about finding affordable car insurance in Louisville. We've researched local rates and coverage options to help you save while staying protected.
What is the cheapest car insurance company in Louisville, Kentucky?
State Farm offers Louisville's cheapest minimum coverage at $623 annually, while Travelers provides the lowest full coverage at $1,422. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Louisville?
Travelers leads Louisville's car insurance providers with a MoneyGeek score of 95 out of 100, scoring just ahead of Auto-Owners by less than one point. Travelers excels in both affordability and service quality.
What is the average cost of car insurance in Louisville?
Louisville drivers pay $1,835 for full coverage and $1,052 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Louisville expensive?
Car insurance costs in Louisville are higher than average, ranking 549th for minimum coverage affordability and 618th for full coverage compared to other Kentucky cities.
How We Chose the Best and Cheapest Car Insurance in Louisville, KY
To help Louisville drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Kentucky Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Kentucky to tailor options as closely as possible to you.
Louisville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Louisville
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Kentucky are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.