Compare Rates and Save on Auto Insurance

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceLouisville
2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

Cincinnati Insurance

$360

$30

State Farm

$365

$30

Cincinnati Insurance

$412

$34

Kentucky Farm Bureau

$429

$36

State Farm

$445

$37

Kentucky Farm Bureau

$455

$38

Auto-Owners Insurance Co

$467

$39

Auto-Owners Insurance Co

$485

$40

Travelers

$502

$42

Cincinnati Insurance

$523

$44

Travelers

$536

$45

Travelers

$571

$48

Kentucky Farm Bureau

$650

$54

Nationwide

$660

$55

Auto-Owners Insurance Co

$674

$56

Progressive

$678

$56

Progressive

$683

$57

Allstate

$685

$57

Allstate

$692

$58

Nationwide

$692

$58

Westfield

$704

$59

State Farm

$713

$59

Allstate

$747

$62

GEICO

$769

$64

Westfield

$779

$65

State Farm

$794

$66

Progressive

$795

$66

Westfield

$824

$69

GEICO

$839

$70

Auto-Owners Insurance Co

$861

$72

Cincinnati Insurance

$863

$72

Kentucky Farm Bureau

$869

$72

Nationwide

$872

$73

Auto-Owners Insurance Co

$922

$77

Kentucky Farm Bureau

$963

$80

State Farm

$982

$82

Nationwide

$987

$82

Travelers

$1,016

$85

Travelers

$1,028

$86

Grange Insurance

$1,036

$86

GEICO

$1,037

$86

Cincinnati Insurance

$1,051

$88

Nationwide

$1,073

$89

Grange Insurance

$1,088

$91

Allstate

$1,156

$96

Grange Insurance

$1,185

$99

Travelers

$1,215

$101

Allstate

$1,225

$102

Allstate

$1,241

$103

Progressive

$1,282

$107

Auto-Owners Insurance Co

$1,298

$108

Progressive

$1,316

$110

Cincinnati Insurance

$1,336

$111

Kentucky Farm Bureau

$1,361

$113

Westfield

$1,382

$115

Nationwide

$1,390

$116

Westfield

$1,414

$118

GEICO

$1,423

$119

GEICO

$1,506

$126

Progressive

$1,617

$135

Grange Insurance

$1,660

$138

Westfield

$1,693

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Grange Insurance

$1,802

$150

GEICO

$1,911

$159

Grange Insurance

$1,984

$165

Shelter

$2,458

$205

Shelter

$2,458

$205

Shelter

$2,458

$205

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.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

Cincinnati Insurance

$360

$30

State Farm

$365

$30

Cincinnati Insurance

$412

$34

Kentucky Farm Bureau

$429

$36

State Farm

$445

$37

Kentucky Farm Bureau

$455

$38

Auto-Owners Insurance Co

$467

$39

Auto-Owners Insurance Co

$485

$40

Travelers

$502

$42

Cincinnati Insurance

$523

$44

Travelers

$536

$45

Travelers

$571

$48

Kentucky Farm Bureau

$650

$54

Nationwide

$660

$55

Auto-Owners Insurance Co

$674

$56

Progressive

$678

$56

Progressive

$683

$57

Allstate

$685

$57

Allstate

$692

$58

Nationwide

$692

$58

Westfield

$704

$59

State Farm

$713

$59

Allstate

$747

$62

GEICO

$769

$64

Westfield

$779

$65

State Farm

$794

$66

Progressive

$795

$66

Westfield

$824

$69

GEICO

$839

$70

Auto-Owners Insurance Co

$861

$72

Cincinnati Insurance

$863

$72

Kentucky Farm Bureau

$869

$72

Nationwide

$872

$73

Auto-Owners Insurance Co

$922

$77

Kentucky Farm Bureau

$963

$80

State Farm

$982

$82

Nationwide

$987

$82

Travelers

$1,016

$85

Travelers

$1,028

$86

Grange Insurance

$1,036

$86

GEICO

$1,037

$86

Cincinnati Insurance

$1,051

$88

Nationwide

$1,073

$89

Grange Insurance

$1,088

$91

Allstate

$1,156

$96

Grange Insurance

$1,185

$99

Travelers

$1,215

$101

Allstate

$1,225

$102

Allstate

$1,241

$103

Progressive

$1,282

$107

Auto-Owners Insurance Co

$1,298

$108

Progressive

$1,316

$110

Cincinnati Insurance

$1,336

$111

Kentucky Farm Bureau

$1,361

$113

Westfield

$1,382

$115

Nationwide

$1,390

$116

Westfield

$1,414

$118

GEICO

$1,423

$119

GEICO

$1,506

$126

Progressive

$1,617

$135

Grange Insurance

$1,660

$138

Westfield

$1,693

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Grange Insurance

$1,802

$150

GEICO

$1,911

$159

Grange Insurance

$1,984

$165

Shelter

$2,458

$205

Shelter

$2,458

$205

Shelter

$2,458

$205

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$395

$33

State Farm

$395

$33

State Farm

$420

$35

State Farm

$420

$35

Cincinnati Insurance

$429

$36

Kentucky Farm Bureau

$429

$36

State Farm

$434

$36

Kentucky Farm Bureau

$455

$38

State Farm

$462

$38

Cincinnati Insurance

$493

$41

State Farm

$512

$43

State Farm

$512

$43

Auto-Owners Insurance Co

$558

$47

State Farm

$563

$47

Auto-Owners Insurance Co

$580

$48

Kentucky Farm Bureau

$592

$49

Cincinnati Insurance

$618

$52

Kentucky Farm Bureau

$626

$52

Kentucky Farm Bureau

$650

$54

Travelers

$684

$57

Auto-Owners Insurance Co

$694

$58

Travelers

$717

$60

Auto-Owners Insurance Co

$722

$60

Travelers

$726

$61

Travelers

$761

$63

Cincinnati Insurance

$779

$65

Travelers

$786

$66

Allstate

$792

$66

State Farm

$799

$67

State Farm

$799

$67

Allstate

$802

$67

Auto-Owners Insurance Co

$807

$67

Travelers

$815

$68

Travelers

$837

$70

Westfield

$844

$70

GEICO

$851

$71

Travelers

$855

$71

State Farm

$864

$72

Nationwide

$866

$72

Kentucky Farm Bureau

$869

$72

Progressive

$872

$73

Allstate

$873

$73

Allstate

$878

$73

State Farm

$886

$74

State Farm

$886

$74

Allstate

$889

$74

Cincinnati Insurance

$889

$74

Kentucky Farm Bureau

$897

$75

Nationwide

$906

$76

Allstate

$928

$77

Progressive

$928

$77

GEICO

$929

$77

Progressive

$933

$78

Westfield

$934

$78

Travelers

$938

$78

Allstate

$941

$78

State Farm

$955

$80

Kentucky Farm Bureau

$963

$80

Cincinnati Insurance

$964

$80

Allstate

$973

$81

Westfield

$989

$82

Progressive

$998

$83

Auto-Owners Insurance Co

$1,002

$84

Auto-Owners Insurance Co

$1,003

$84

Progressive

$1,003

$84

Cincinnati Insurance

$1,029

$86

Allstate

$1,032

$86

Progressive

$1,053

$88

Auto-Owners Insurance Co

$1,069

$89

Kentucky Farm Bureau

$1,071

$89

State Farm

$1,099

$92

State Farm

$1,099

$92

Cincinnati Insurance

$1,107

$92

Progressive

$1,113

$93

Westfield

$1,117

$93

Nationwide

$1,118

$93

Nationwide

$1,122

$94

Cincinnati Insurance

$1,123

$94

Kentucky Farm Bureau

$1,134

$94

Nationwide

$1,164

$97

State Farm

$1,187

$99

Westfield

$1,193

$99

Kentucky Farm Bureau

$1,198

$100

Progressive

$1,200

$100

GEICO

$1,209

$101

Auto-Owners Insurance Co

$1,225

$102

Auto-Owners Insurance Co

$1,238

$103

Westfield

$1,238

$103

Cincinnati Insurance

$1,250

$104

Progressive

$1,253

$104

Auto-Owners Insurance Co

$1,287

$107

Auto-Owners Insurance Co

$1,302

$109

Kentucky Farm Bureau

$1,328

$111

Nationwide

$1,332

$111

Kentucky Farm Bureau

$1,361

$113

Allstate

$1,377

$115

Nationwide

$1,383

$115

Cincinnati Insurance

$1,395

$116

Nationwide

$1,409

$117

Grange Insurance

$1,421

$118

Nationwide

$1,427

$119

Nationwide

$1,441

$120

Travelers

$1,457

$121

Allstate

$1,462

$122

Grange Insurance

$1,471

$123

Allstate

$1,493

$124

Grange Insurance

$1,494

$125

Grange Insurance

$1,496

$125

Auto-Owners Insurance Co

$1,508

$126

Travelers

$1,525

$127

Travelers

$1,543

$129

Allstate

$1,552

$129

GEICO

$1,570

$131

GEICO

$1,576

$131

Cincinnati Insurance

$1,579

$132

Travelers

$1,593

$133

Travelers

$1,621

$135

Kentucky Farm Bureau

$1,624

$135

Grange Insurance

$1,626

$136

Grange Insurance

$1,628

$136

Grange Insurance

$1,648

$137

Allstate

$1,650

$137

Westfield

$1,656

$138

Nationwide

$1,658

$138

Allstate

$1,659

$138

Travelers

$1,667

$139

GEICO

$1,667

$139

Nationwide

$1,668

$139

Allstate

$1,692

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Westfield

$1,696

$141

Travelers

$1,702

$142

Grange Insurance

$1,717

$143

Nationwide

$1,734

$145

Progressive

$1,746

$146

Allstate

$1,764

$147

Nationwide

$1,781

$148

Auto-Owners Insurance Co

$1,790

$149

GEICO

$1,804

$150

Progressive

$1,807

$151

Travelers

$1,809

$151

Allstate

$1,809

$151

Cincinnati Insurance

$1,820

$152

Auto-Owners Insurance Co

$1,842

$154

Travelers

$1,854

$154

Grange Insurance

$1,873

$156

Progressive

$1,874

$156

Kentucky Farm Bureau

$1,876

$156

Progressive

$1,962

$164

Nationwide

$1,982

$165

Westfield

$2,032

$169

Progressive

$2,067

$172

Westfield

$2,079

$173

Westfield

$2,081

$173

Nationwide

$2,098

$175

Westfield

$2,112

$176

Auto-Owners Insurance Co

$2,118

$176

Westfield

$2,157

$180

Kentucky Farm Bureau

$2,168

$181

Nationwide

$2,181

$182

Progressive

$2,184

$182

GEICO

$2,188

$182

Westfield

$2,203

$184

Cincinnati Insurance

$2,204

$184

Progressive

$2,225

$185

GEICO

$2,227

$186

Auto-Owners Insurance Co

$2,234

$186

GEICO

$2,249

$187

Shelter

$2,286

$191

Shelter

$2,286

$191

Shelter

$2,286

$191

Shelter

$2,286

$191

Shelter

$2,286

$191

Shelter

$2,286

$191

Cincinnati Insurance

$2,316

$193

Progressive

$2,337

$195

Grange Insurance

$2,343

$195

Westfield

$2,392

$199

Kentucky Farm Bureau

$2,402

$200

Shelter

$2,458

$205

Shelter

$2,458

$205

Shelter

$2,458

$205

Grange Insurance

$2,512

$209

Grange Insurance

$2,534

$211

Grange Insurance

$2,551

$213

Nationwide

$2,559

$213

Progressive

$2,580

$215

GEICO

$2,618

$218

Grange Insurance

$2,629

$219

Grange Insurance

$2,733

$228

Cincinnati Insurance

$2,794

$233

Grange Insurance

$2,804

$234

Cincinnati Insurance

$2,816

$235

GEICO

$2,867

$239

GEICO

$2,904

$242

Grange Insurance

$2,981

$248

Auto-Owners Insurance Co

$3,178

$265

GEICO

$3,240

$270

Shelter

$3,279

$273

Shelter

$3,279

$273

Shelter

$3,279

$273

Shelter

$3,279

$273

Shelter

$3,279

$273

Shelter

$3,279

$273

Grange Insurance

$3,283

$274

Kentucky Farm Bureau

$3,396

$283

Cincinnati Insurance

$3,566

$297

Westfield

$3,705

$309

Westfield

$3,739

$312

Westfield

$4,019

$335

GEICO

$4,046

$337

GEICO

$4,142

$345

GEICO

$4,707

$392

GEICO

$5,277

$440

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$1,264

$2,128

Travelers

$1,370

$2,230

Travelers

$1,421

$2,394

Travelers

$1,431

$2,644

Travelers

$1,468

$2,473

Allstate

$1,482

$2,418

State Farm

$1,488

$1,787

Allstate

$1,522

$2,461

Allstate

$1,528

$6,856

Allstate

$1,558

$3,166

Travelers

$1,566

$2,549

Allstate

$1,598

$2,607

Travelers

$1,606

$2,885

State Farm

$1,620

$1,946

Travelers

$1,622

$3,035

State Farm

$1,632

$1,955

Allstate

$1,651

$3,533

Allstate

$1,671

$3,084

Travelers

$1,687

$2,744

State Farm

$1,688

$2,291

Allstate

$1,707

$2,762

Allstate

$1,714

$2,797

State Farm

$1,738

$2,088

State Farm

$1,757

$2,456

GEICO

$1,758

$4,630

Allstate

$1,766

$3,208

GEICO

$1,766

$4,647

Allstate

$1,781

$3,619

Allstate

$1,782

$7,854

State Farm

$1,815

$2,174

Allstate

$1,816

$4,286

Auto-Owners Insurance Co

$1,826

$3,817

Nationwide

$1,848

$2,869

Allstate

$1,850

$2,992

Nationwide

$1,850

$2,943

Auto-Owners Insurance Co

$1,852

$3,988

Travelers

$1,884

$3,389

Travelers

$1,890

$3,394

Travelers

$1,899

$3,951

State Farm

$1,914

$2,662

Nationwide

$1,921

$3,768

Auto-Owners Insurance Co

$1,959

$4,220

Nationwide

$1,960

$3,975

Allstate

$1,974

$4,743

Auto-Owners Insurance Co

$1,983

$4,144

State Farm

$1,987

$3,097

State Farm

$1,987

$2,777

State Farm

$1,988

$2,381

Auto-Owners Insurance Co

$2,032

$4,834

Allstate

$2,056

$4,401

Nationwide

$2,061

$3,200

Auto-Owners Insurance Co

$2,072

$4,463

State Farm

$2,078

$2,921

Nationwide

$2,086

$3,537

Nationwide

$2,095

$3,333

Auto-Owners Insurance Co

$2,110

$5,133

Nationwide

$2,119

$3,713

Travelers

$2,153

$4,942

Nationwide

$2,156

$3,349

Allstate

$2,161

$9,697

Auto-Owners Insurance Co

$2,177

$4,551

State Farm

$2,190

$3,504

Nationwide

$2,198

$3,497

Allstate

$2,244

$13,656

Travelers

$2,248

$4,042

Travelers

$2,267

$4,802

Auto-Owners Insurance Co

$2,313

$5,781

Auto-Owners Insurance Co

$2,357

$5,209

Allstate

$2,364

$12,573

State Farm

$2,409

$3,843

State Farm

$2,414

$3,394

Allstate

$2,457

$10,826

State Farm

$2,473

$3,956

State Farm

$2,485

$4,470

Auto-Owners Insurance Co

$2,570

$5,680

Auto-Owners Insurance Co

$2,591

$6,288

Nationwide

$2,598

$6,127

Nationwide

$2,635

$7,112

Travelers

$2,660

$6,114

Auto-Owners Insurance Co

$2,672

$6,678

Travelers

$2,673

$6,135

State Farm

$2,683

$4,377

Auto-Owners Insurance Co

$2,700

$7,788

Nationwide

$2,735

$6,863

Nationwide

$2,749

$5,390

Progressive

$2,781

$3,081

Travelers

$2,799

$8,199

Nationwide

$2,807

$7,922

Progressive

$2,827

$3,105

Nationwide

$2,859

$5,796

Nationwide

$2,903

$8,352

Progressive

$2,938

$4,766

Nationwide

$2,979

$8,041

State Farm

$3,054

$4,981

State Farm

$3,066

$5,644

Nationwide

$3,096

$9,322

Progressive

$3,158

$5,139

Nationwide

$3,177

$8,964

Progressive

$3,218

$3,535

Progressive

$3,298

$3,653

GEICO

$3,308

$7,381

Auto-Owners Insurance Co

$3,334

$7,253

Travelers

$3,364

$7,732

Progressive

$3,395

$4,440

Progressive

$3,411

$6,228

Progressive

$3,455

$5,605

Progressive

$3,468

$4,585

Progressive

$3,493

$3,837

GEICO

$3,520

$7,847

Travelers

$3,542

$10,581

Auto-Owners Insurance Co

$3,591

$9,411

Progressive

$3,654

$4,048

GEICO

$3,719

$7,565

Auto-Owners Insurance Co

$3,726

$8,107

Progressive

$3,731

$13,844

Auto-Owners Insurance Co

$3,755

$9,147

Progressive

$3,819

$7,079

GEICO

$3,837

$13,642

Progressive

$3,947

$6,422

Auto-Owners Insurance Co

$4,097

$12,044

Auto-Owners Insurance Co

$4,105

$10,758

Progressive

$4,137

$15,537

GEICO

$4,175

$10,984

GEICO

$4,397

$8,426

GEICO

$4,400

$11,587

Progressive

$4,411

$18,764

GEICO

$4,417

$16,589

Progressive

$4,447

$16,499

GEICO

$4,483

$11,794

GEICO

$4,518

$10,295

GEICO

$4,774

$9,713

Progressive

$4,839

$20,722

Progressive

$4,861

$18,257

GEICO

$4,942

$13,015

GEICO

$4,979

$9,542

GEICO

$5,205

$11,956

GEICO

$5,624

$24,359

GEICO

$6,184

$21,987

GEICO

$6,908

$32,183

GEICO

$7,735

$29,049

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.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

Cincinnati Insurance

$360

$30

State Farm

$365

$30

Cincinnati Insurance

$412

$34

Kentucky Farm Bureau

$429

$36

State Farm

$445

$37

Kentucky Farm Bureau

$455

$38

USAA

$462

$39

USAA

$467

$39

Auto-Owners Insurance Co

$467

$39

Auto-Owners Insurance Co

$485

$40

Travelers

$502

$42

Cincinnati Insurance

$523

$44

USAA

$533

$44

Travelers

$536

$45

Travelers

$571

$48

Kentucky Farm Bureau

$650

$54

Nationwide

$660

$55

Auto-Owners Insurance Co

$674

$56

Progressive

$678

$56

Progressive

$683

$57

Allstate

$685

$57

Allstate

$692

$58

Nationwide

$692

$58

Westfield

$704

$59

State Farm

$713

$59

Allstate

$747

$62

GEICO

$769

$64

Westfield

$779

$65

State Farm

$794

$66

Progressive

$795

$66

Westfield

$824

$69

GEICO

$839

$70

Auto-Owners Insurance Co

$861

$72

Cincinnati Insurance

$863

$72

Kentucky Farm Bureau

$869

$72

Nationwide

$872

$73

USAA

$900

$75

Auto-Owners Insurance Co

$922

$77

USAA

$923

$77

Kentucky Farm Bureau

$963

$80

State Farm

$982

$82

Nationwide

$987

$82

Travelers

$1,016

$85

Travelers

$1,028

$86

Grange Insurance

$1,036

$86

GEICO

$1,037

$86

Cincinnati Insurance

$1,051

$88

Nationwide

$1,073

$89

Grange Insurance

$1,088

$91

USAA

$1,116

$93

Allstate

$1,156

$96

Grange Insurance

$1,185

$99

Travelers

$1,215

$101

Allstate

$1,225

$102

Allstate

$1,241

$103

Progressive

$1,282

$107

Auto-Owners Insurance Co

$1,298

$108

Progressive

$1,316

$110

Cincinnati Insurance

$1,336

$111

Kentucky Farm Bureau

$1,361

$113

Westfield

$1,382

$115

Nationwide

$1,390

$116

Westfield

$1,414

$118

GEICO

$1,423

$119

GEICO

$1,506

$126

Progressive

$1,617

$135

Grange Insurance

$1,660

$138

Westfield

$1,693

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Shelter

$1,694

$141

Grange Insurance

$1,802

$150

GEICO

$1,911

$159

Grange Insurance

$1,984

$165

Shelter

$2,458

$205

Shelter

$2,458

$205

Shelter

$2,458

$205

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

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?

Cincinnati Insurance

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.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

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?

Cincinnati Insurance

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.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

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?

Cincinnati Insurance

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.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.