Best Car Insurance in Louisville 2021

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Car insurance in Louisville Kentucky costs single-car drivers an average of $3,644 annually, or about $304 per month. Compared to the state annual average of $2,754, auto insurance in Louisville is $890 higher.
Here’s how much real Jerry customers pay for insurance in Louisville:

Real quotes for Jerry customers in Louisville, Kentucky

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
August 21, 2021Dodge Grand Caravan SXTKY33ProgressiveCurrent$300/mo.$128/mo.
June 7, 2021Nissan Maxima SEKY39AllstateCurrent$299/mo.$173/mo.
May 25, 2021Toyota Camry LKY34SafecoPredicted$330/mo.$245/mo.
March 24, 2021Chevrolet Equinox LTKY38State AutoStandard$290/mo.$255/mo.
May 5, 2021Kia Forte FEKY39NationwideCustom$300/mo.$275/mo.
The best way to secure the right plan for lower premiums in Louisville is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inLouisville have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Louisville, Kentucky

Insurance Company
Before Jerry
After Jerry
National General$1,769$811
Allstate$3,227$1,818
Nationwide$3,223$1,889
Travelers$3,310$2,332
Safeco$3,239$2,343
State Auto$3,001$2,467
Kemper$3,625$2,519

Minimum coverage car insurance in Louisville

On average, the cost of minimum coverage car insurance in Louisville is $3,639 per year, or $303 per month.

The minimum level of car insurance required in Louisville is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Louisville:
Before Jerry
After Jerry
$3,329$2,072
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Allstate$2,760$1,448
Progressive$3,880$2,421
Safeco$5,369$3,906
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Full coverage car insurance in Louisville

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Louisville:
Before Jerry
After Jerry
$5,216$4,067
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Travelers$4,554$2,701
State Auto$4,200$3,960
Safeco$5,224$4,484
Progressive$9,600$8,624
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How does your age affect your auto insurance cost in Louisville?

If you’re a driver under 25 in Louisville, you could be paying as much as $38 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Louisville saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,498$3,821
21-24$4,087$3,168
On the contrary, here’s how much drivers aged 25 and over in Louisville pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$3,696$2,551
35-44$3,700$2,490
45-54$3,637$2,541
55-64$2,900$1,782
65+$1,926$1,720

Cheapest car insurance for drivers in Louisville with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Louisville saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$3,734$2,349
Leaving scene of an Accident/Hit and Run$3,000$928
Other$7,980$3,496
Speeding under 15$4,128$3,672
Here’s how much drivers with a bad driving record in [Louisville saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$3,218$1,938
Travelers$3,451$2,472
Progressive$3,568$2,527
Nationwide$4,778$2,571
Kemper$4,191$2,863
Safeco$4,269$3,165
State Auto$3,934$3,298

Cheapest car insurance for young drivers in Louisville with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$4,193$3,039
Speeding under 15$5,256$4,983
Here’s how much young drivers with a bad driving record in [Louisville saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$2,112$1,610
Travelers$3,092$2,432
Safeco$4,029$3,235
Progressive$4,336$3,343
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How can you save money on car insurance in Louisville

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Louisville you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
August 21, 2021Dodge Grand Caravan SXTKY33ProgressiveCurrent$300/mo.$128/mo.
March 18, 2021Ford Crown Victoria LXKY40KemperStandard$305/mo.$157/mo.
June 7, 2021Nissan Maxima SEKY39AllstateCurrent$299/mo.$173/mo.
May 28, 2021Nissan Versa Note SKY59Bristol WestBasic$200/mo.$113/mo.
May 25, 2021Toyota Camry LKY34SafecoPredicted$330/mo.$245/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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