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: November 7, 2025
Advertising & Editorial Disclosure
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% |
Have auto insurance questions?Chat with Charlie now.
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:
Adult Drivers
Male
State Minimum Liability Only
Good
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
Offers multiple ways to customize coverage
cons
Limited coverage add-ons
Fewer discounts than other insurers
COMPANY HIGHLIGHTS
Travelers ranks first in Louisville for offering great value in every major category. It has some of the city’s most affordable rates, with minimum coverage starting at $59 per month.
The company earns high marks for customer service, handling claims quickly and keeping policyholders informed. Travelers is also a solid choice for young drivers and owners of newer cars, thanks to its specialized coverage options.
Auto-Owners: Best for Customer Service
pros
Great customer service
Easy claims process
Strong local agent network
cons
Should work with local agents
Limited online tools
COMPANY HIGHLIGHTS
Auto-Owners is recognized in Louisville for its outstanding customer service. Minimum coverage starts at $68 per month, slightly higher than Travelers, but the company makes up for it with smooth claims handling and personalized support.
It’s a great choice for drivers with older cars, offering coverage designed to protect aging vehicles without high premiums. Its network of local agents also gives drivers the benefit of one-on-one assistance and personal guidance.
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
Louisville drivers usually pay $85 to $379 per month for car insurance, based on their coverage level and driver category.
| 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, monthly car insurance rates vary by ZIP code, ranging from $63 to $218. Drivers in ZIP code 40219 pay the most, while those in 40222 enjoy the lowest rates. You can see the average cost for your area in the table below.
Data filtered by:
40222
| 40222 | $63 | $113 |
Compare Personalized Louisville Car Insurance Costs
ZIP code averages are helpful for comparing costs, but the table below gives a closer look at rates based on your age and driving history. This helps you see estimates that better match your preferences and situation.
Data filtered by:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| $93 | $1,113 | 18% |
How to Get the Best Cheap Louisville Car Insurance
Getting affordable car insurance in Louisville isn’t always easy, especially with higher local rates. With the right strategy, though, you can still save money. This guide explains your coverage choices and shows how to find the best deals.
- 1Calculate your coverage requirements
Figure out how much coverage fits your vehicle’s value and your comfort with risk. You can use our car insurance coverage calculator to get a recommendation that balances protection and cost.
- 2Explore alternative coverage options
Different types of car insurance can help you save. Pay-per-mile plans work well if you don’t drive often, while non-owner coverage fits those who drive occasionally but don’t own a car.
- 3Check Louisville insurance rates
Look up average car insurance costs in Louisville to set realistic expectations. Knowing what drivers in your area typically pay helps you spot fair prices and avoid overpaying.
- 4Stack available discounts
Take advantage of car insurance discounts to lower your bill. Try bundling policies or asking about multi-car discounts if you have more than one vehicle.
- 5Research insurance company ratings
Check each insurer’s customer service and claims satisfaction scores. Choose companies with solid financial strength and good reviews from Louisville drivers.
- 6Get quotes from multiple providers
Request quotes from at least three insurers. You can contact local agents, use online tools or visit company websites to find the best rates in Louisville.
- 7Review coverage annually
Set a reminder to check your policy every year and get new quotes. Changes in your life, driving habits or market rates can affect your premiums, so reviewing helps you keep the best deal.
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 affordable car insurance, MoneyGeek analyzed rates using data from the Kentucky Department of Insurance and Quadrant Information Services.
We reviewed quotes from 12 major insurers across every ZIP code in the city, analyzing hundreds of thousands of data points to find the best options for local drivers.
Louisville Driver Profile
We used a standard driver profile to calculate average car insurance quotes in Louisville:
- 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 also considered factors such as age, driving history, credit score and military status to find the best insurers for each type of driver.
Coverage Levels in Louisville
MoneyGeek compared the most affordable companies for both minimum and full coverage auto insurance policies.
Minimum coverage requirements in Kentucky:
- $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 insurers using three important factors:
- Affordability (60% of score): We compared quotes for multiple driver profiles and evaluated how each company’s rates stack up against others in Louisville.
- Customer experience (30% of score): We considered feedback from sources like Google reviews, J.D. Power, AM Best and Reddit to understand real customer satisfaction.
- Coverage options (10% of score): We looked at how many coverage types each insurer offers and whether they provide unique benefits or add-ons.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.
