In Louisville, State Farm offers the most affordable minimum and full coverage auto insurance. It is also the cheapest for military drivers and drivers with violations on their records. Allstate offers a low-cost option for teen drivers. Still, the ideal insurance will depend on your driving background and needs.
Cincinnati Insurance nabbed the final MoneyGeek titles: best overall, best customer service and best cheap auto insurance in Louisville.
Cheapest and Best Car Insurance in Louisville, KY








Cheapest Minimum Liability Car Insurance in Louisville
The following companies offer drivers in Louisville the cheapest minimum coverage auto insurance:
- State Farm: $365 per year
- Cincinnati Insurance: $412 per year
With projected annual costs of $1,694, Shelter provides the most expensive minimum coverage. Cincinnati Insurance offers the cheapest car insurance in Kentucky at an average rate of $257 as of October 2022. This average is much lower than the company’s rates in Louisville, which illustrates how location affects premium costs.
The minimum coverage requirements for car insurance in Louisville are established by Kentucky state law and consist of the following:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
According to these numbers, when you have a bodily injury liability limit of $25,000 per person and $50,000 per accident, your insurance will only cover $25,000 in damages for any single victim, up to $50,000 per accident.
Cheapest Full Coverage Car Insurance in Louisville
You can purchase the most affordable full coverage auto insurance in Louisville from the following companies:
- State Farm: $794 per year
- Auto-Owners Insurance Co: $922 per year
Shelter’s full coverage insurance is the most expensive in the city, with yearly premiums costing $2,458. Nationwide offers the cheapest full coverage car insurance in Kentucky, with annual premiums of $790 as of October 2022. However, the company’s full coverage rate in Louisville is $1,073, which illustrates how location affects rates.
Full coverage insurance is an excellent option if you want complete security against paying a significant sum for car damages. It includes:
- Comprehensive insurance: Pays for damages from theft, vandalism, animals and natural disasters.
- Collision insurance: Pays for damages sustained in a collision with an object or another vehicle.
Full coverage assures greater security, but if your vehicle is quite old, the additional coverage could cost more than the car is worth.
Cheapest Car Insurance in Louisville After a Driving Offense
Out of 12 companies reviewed, State Farm provides the most affordable auto insurance in Louisville for drivers with the following offenses in their records:
- Speeding ticket: State Farm ($886 per year)
- At-fault accident: State Farm ($955 per year)
- DUI: State Farm ($886 per year)
Three insurers offer the most expensive prices in the city: Grange Insurance after a speeding ticket ($2,551), Shelter after an at-fault accident ($3,279) and GEICO after a DUI ($4,046).
Even the cheapest plans will charge drivers with vehicle offenses higher rates than drivers with clean records.
If you have a driving violation, your premiums will likely increase in relation to the severity of the offense. In Louisville, you should anticipate paying $269 more after a speeding ticket and $1,264 more after a DUI. Finding affordable auto insurance is still achievable with a bad driving record.
Cheapest Car Insurance in Louisville for Teens and Their Families
The following insurers offer the best rates in Louisville for adding teen drivers to a family policy:
- Allstate: $2,244 per year for female teens; $2,364 per year for male teens
- State Farm: $2,485 per year for female teens; $3,066 per year for male teens
Due to their higher risk, male teens typically pay more for insurance than female teens, although this cost discrepancy tapers off by early adulthood. In Louisville, GEICO has the highest prices, with girls paying $5,624 and boys paying $6,908.
Adding a teen to a family policy is much more cost-effective than purchasing a separate policy. For example, single coverage for a 16-year-old male teen in Louisville costs an average of $3,155 more than adding him to a family policy. By evaluating insurance costs, families and teen drivers can find the cheapest car insurance for teens and save more.
Cheapest Car Insurance in Louisville for Military Drivers
The following companies offer the cheapest full coverage auto insurance for drivers with a military background in Louisville:
- State Farm: $794 per year
- Auto-Owners Insurance Co: $922 per year
USAA, which caters exclusively to military members, is another great option with annual rates of $923. State Farm is the most affordable choice at $365 annually if you only want minimum coverage.
How to Compare Cheap Louisville Car Insurance Quotes Online
You should compare quotes from at least three different insurance providers to get a good idea of rates and coverage. However, this process can take 15 minutes or longer per company and requires inputting a lot of personal information.
MoneyGeek's insurance calculator can give you quick rate estimates based on your age, vehicle type, coverage and driving record.
Auto Insurance Calculator
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Best Car Insurance in Louisville: Summary
The best insurer for you will depend on how you prioritize cost, customer service and coverages. MoneyGeek identified Cincinnati Insurance as a company in Louisville that excels in these three categories:
- Best overall: Cincinnati Insurance (MoneyGeek score 84 out of 100)
- Best for service: Cincinnati Insurance (MoneyGeek score 74 out of 100)
- Best cheap: Cincinnati Insurance (MoneyGeek score 87 out of 100)
A company’s MoneyGeek score can vary depending on how we weigh criteria for different categories. USAA is a great option for military members, with a MoneyGeek score of 82 out of 100. Cincinnati Insurance also offers the best overall car insurance in Kentucky.
Best Overall Car Insurance in Louisville
The best insurance companies in Louisville are:
- Cincinnati Insurance: MoneyGeek score 84 out of 100 ($1,051 per year)
- Auto-Owners Insurance Co: MoneyGeek score 79 out of 100 ($922 per year)
Despite only being the fifth cheapest in Louisville, Cincinnati Insurance earned its spot as the top-rated provider thanks to strong ratings for both customer service and coverages.
How was this MoneyGeek score calculated?

pros
Highest customer satisfaction rating out of 12 insurers
Fifth cheapest insurance rates
Offers a wide range of common and unique coverages
cons
Average claims management rating
Does not offer accident forgiveness or better car replacement coverages
COMPANY HIGHLIGHTS
MoneyGeek gave Cincinnati Insurance an overall score of 84 out of 100, making it the best auto insurance provider in Louisville. It fared the best in customer service, establishing a balance with its affordable coverage options.
Cincinnati Insurance offers a selection of both unique and common coverages, including several safety-related add-ons. For example, if you or a passenger are injured in an accident while wearing a manufacturer-installed seatbelt, the company will double your medical payment coverage amount. Cincinnati Insurance also pays to replace airbags that deploy without an accident and pays to replace child seats after a covered loss.
The company’s General Deductible Waiver add-on waives your deductible if your car is totaled in a covered incident. Lock replacement pays up to $1,500 to replace your locks if your keys are lost or stolen.
Best Car Insurance in Louisville for Customer Service
MoneyGeek's analysis showed the following companies offer the best customer service in Louisville for customer service when cost is not a consideration:
- Cincinnati Insurance: MoneyGeek score 74 out of 100 ($1,051 per year)
- Shelter: MoneyGeek score 68 out of 100 ($2,458 per year)
Cincinnati Insurance received excellent customer satisfaction ratings and is the fifth cheapest in the city. Shelter also earned excellent customer satisfaction scores, but it is the most expensive in Louisville, indicating customers pay a premium for quality service with this company.
How was this MoneyGeek score calculated?

pros
Ranked #1 in customer service among 12 companies
Good affordability rating
Provides many add-on coverage options
cons
Satisfactory management of claims
COMPANY HIGHLIGHTS
Cincinnati Insurance earned the top spot as the best auto insurance in Louisville for customer service thanks to its near-perfect client satisfaction score. Among the customer service features it offers are its mobile app, online bill pay and online claims reporting.
The company offers a new car replacement add-on, which comes into effect if your car is a total loss after a covered incident. With this add-on, Cincinnati Insurance replaces your car with a new one of the same make and model. In addition, the gap insurance add-on pays the difference between the value of your car and what you still owe on your loan or lease if the vehicle is totaled.
Additional add-ons include rental car/travel reimbursement and roadside assistance.
Best Cheap Car Insurance in Louisville
MoneyGeek reviewed the affordability and service quality of the 12 auto insurance providers in Louisville that satisfy Kentucky's minimum coverage standards. The following companies offer the best cheap car insurance in the city:
- Cincinnati Insurance: MoneyGeek score 87 out of 100 ($412 per year)
- Auto-Owners Insurance Co: MoneyGeek score 81 out of 100 ($485 per year)
Although minimum coverage may be inexpensive, keep in mind that it may not protect you from liability claims or pay for collision-related car damages.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs $412 per year
Outstanding customer satisfaction rating
Offers most commonly available discounts
cons
Passable claims management score
COMPANY HIGHLIGHTS
Cincinnati Insurance offers the cheapest minimum coverage car insurance in Louisville at an average annual cost of $412. It has a near-perfect customer satisfaction score and a high coverage score. The company also offers various discounts to help customers save more. This insurer strikes a perfect blend of excellent service and discounts, which attracts many consumers.
The company offers several rarer safety-related discounts, including those for having anti-lock brakes, airbags and anti-theft systems. If you stay accident-free for a specified period, you can also save. Bundling policies and insuring multiple cars will reduce your premiums. Students who maintain a “B” grade average can also score discounts.
Average Cost of Car Insurance in Louisville
The estimated yearly cost of car insurance in Louisville is $1,281, while Kentucky's average is $1,058, and the national average is $1,265) as of October 2022. These costs are for full coverage rates with bodily injury liability limits of $100,000 per accident, $300,000 per person and $100,000 per person for property damage liability. Location is just one factor that affects car insurance prices.
About Mark Fitzpatrick
