Louisville drivers must contend with traffic congestion and seasonal weather challenges like icy roads and heavy rain. The combination of busy streets and changing conditions means reliable car insurance is a must-have for locals.
We’ve gathered the cheapest car insurance quotes that Jerry customers in Louisville have received to show how your age, driving history and location within the city can affect your rate.
Cheapest minimum coverage insurance in Louisville
Kentucky is a no-fault insurance state that requires drivers to carry these minimum coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $10,000 in personal injury protection, or PIP. Drivers may waive this coverage, but must reject it in writing.
These are the cheapest quotes that drivers in Louisville who opted for the minimum coverage received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $38 | $460 | Progressive | 66 | April 29, 2024 | Louisville, KY | 40291 |
| $46 | $551 | Progressive | 80 | August 3, 2024 | Louisville, KY | 40207 |
| $58 | $693 | Progressive | 26 | June 14, 2024 | Louisville, KY | 40291 |
| $60 | $722 | National General | 33 | May 15, 2024 | Louisville, KY | 40220 |
| $62 | $747 | Progressive | 37 | March 21, 2025 | Louisville, KY | 40223 |
| $63 | $751 | Progressive | 44 | December 30, 2024 | Louisville, KY | 40218 |
| $65 | $783 | Progressive | 26 | March 14, 2025 | Louisville, KY | 40291 |
| $72 | $859 | Progressive | 37 | February 27, 2025 | Louisville, KY | 40291 |
| $74 | $884 | Progressive | 70 | March 10, 2025 | Louisville, KY | 40229 |
| $74 | $886 | Progressive | 27 | October 16, 2024 | Louisville, KY | 40299 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Louisville
The minimum required coverage may not be enough if you’re concerned about repairing your vehicle after an accident, regardless of who is at fault, or damage from a collision with an animal or hazardous weather. You’d need full coverage, which combines collision and comprehensive insurances, for those situations.
These are the cheapest full coverage quotes that drivers in Louisville received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $38 | $460 | Progressive | 66 | April 29, 2024 | Louisville, KY | 40291 |
| $46 | $551 | Progressive | 80 | August 3, 2024 | Louisville, KY | 40207 |
| $65 | $781 | Progressive | 37 | March 21, 2025 | Louisville, KY | 40223 |
| $73 | $871 | Progressive | 37 | February 27, 2025 | Louisville, KY | 40291 |
| $74 | $884 | Progressive | 70 | March 10, 2025 | Louisville, KY | 40229 |
| $81 | $974 | Progressive | 29 | December 3, 2024 | Louisville, KY | 40216 |
| $85 | $1,014 | Progressive | 33 | April 29, 2024 | Louisville, KY | 40220 |
| $86 | $1,032 | Progressive | 56 | September 7, 2024 | Louisville, KY | 40206 |
| $88 | $1,050 | Progressive | 33 | May 14, 2024 | Louisville, KY | 40220 |
| $92 | $1,102 | National General | 29 | December 3, 2024 | Louisville, KY | 40216 |
Cheapest car insurance for young drivers in Louisville (18-29 years old)
Young drivers typically pay higher premiums than older drivers because insurers view their limited time on the road as a risk. These are the cheapest quotes that young Louisville drivers have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $583 | Progressive | 27 | No | February 25, 2025 | Louisville, KY | 40222 |
| $58 | $693 | Progressive | 26 | No | June 14, 2024 | Louisville, KY | 40291 |
| $65 | $783 | Progressive | 26 | No | March 14, 2025 | Louisville, KY | 40291 |
| $74 | $886 | Progressive | 27 | No | October 16, 2024 | Louisville, KY | 40299 |
| $74 | $887 | Progressive | 26 | No | December 9, 2024 | Louisville, KY | 40220 |
Cheapest car insurance for mature drivers in Louisville (30-54 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $57 | $680 | Progressive | 37 | No | March 21, 2025 | Louisville, KY | 40223 |
| $60 | $722 | National General | 33 | No | May 14, 2024 | Louisville, KY | 40220 |
| $60 | $722 | National General | 33 | No | May 15, 2024 | Louisville, KY | 40220 |
| $63 | $751 | Progressive | 44 | No | December 30, 2024 | Louisville, KY | 40218 |
| $65 | $781 | Progressive | 37 | Yes | March 21, 2025 | Louisville, KY | 40223 |
Cheapest car insurance for older drivers (55+ years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $460 | Progressive | 66 | Yes | April 29, 2024 | Louisville, KY | 40291 |
| $46 | $551 | Progressive | 80 | Yes | August 3, 2024 | Louisville, KY | 40207 |
| $74 | $884 | Progressive | 70 | Yes | March 10, 2025 | Louisville, KY | 40229 |
| $77 | $929 | Progressive | 70 | No | December 29, 2024 | Louisville, KY | 40229 |
| $78 | $940 | Progressive | 63 | No | June 5, 2024 | Louisville, KY | 40118 |
Cheapest car insurance for drivers with clean records in Louisville
Drivers with clean records often pay the lowest car insurance premiums. Here are the cheapest quotes that drivers with no claims or violations on their records have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $460 | Progressive | 66 | April 29, 2024 | Yes | Louisville, KY | 40291 |
| $46 | $551 | Progressive | 80 | August 3, 2024 | Yes | Louisville, KY | 40207 |
| $57 | $680 | Progressive | 37 | March 21, 2025 | No | Louisville, KY | 40223 |
| $60 | $722 | National General | 33 | May 15, 2024 | No | Louisville, KY | 40220 |
| $60 | $722 | National General | 33 | May 14, 2024 | No | Louisville, KY | 40220 |
| $63 | $751 | Progressive | 44 | December 30, 2024 | No | Louisville, KY | 40218 |
| $65 | $781 | Progressive | 37 | March 21, 2025 | Yes | Louisville, KY | 40223 |
| $74 | $884 | Progressive | 70 | March 10, 2025 | Yes | Louisville, KY | 40229 |
| $74 | $887 | Progressive | 26 | December 9, 2024 | No | Louisville, KY | 40220 |
| $74 | $893 | Progressive | 47 | November 30, 2024 | No | Louisville, KY | 40216 |
Cheapest car insurance for drivers with low credit scores in Louisville
Insurers may charge higher rates to drivers with low credit scores, which means you may have to do extra comparison shopping to find a cheap policy. These are the cheapest quotes that Louisville drivers with credit scores below 550 received via Jerry.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $82 | $988 | Progressive | 64 | March 18, 2025 | Louisville, KY | 40214 |
| <550 | $84 | $1,002 | Progressive | 53 | June 1, 2024 | Louisville, KY | 40299 |
| <550 | $102 | $1,222 | Progressive | 37 | November 15, 2023 | Louisville, KY | 40214 |
| <550 | $107 | $1,288 | Progressive | 45 | January 5, 2025 | Louisville, KY | 40218 |
| <550 | $116 | $1,390 | Progressive | 45 | March 13, 2025 | Louisville, KY | 40218 |
Cheapest car insurance for drivers with at-fault accidents in Louisville
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $49 | $583 | Progressive | 27 | No | February 25, 2025 | Louisville, KY | 40222 |
| At Fault With No Injury | $58 | $693 | Progressive | 26 | No | June 14, 2024 | Louisville, KY | 40291 |
| At Fault With No Injury | $65 | $783 | Progressive | 26 | No | March 14, 2025 | Louisville, KY | 40291 |
| At Fault With No Injury | $70 | $835 | Progressive | 37 | No | February 27, 2025 | Louisville, KY | 40291 |
| At Fault With No Injury | $73 | $871 | Progressive | 37 | Yes | February 27, 2025 | Louisville, KY | 40291 |
Cheapest car insurance for drivers with speeding tickets in Louisville
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $117 | $1,405 | Progressive | 29 | January 11, 2025 | Louisville, KY | 40206 |
| Speeding over 15 | $168 | $2,018 | Progressive | 28 | October 1, 2024 | Louisville, KY | 40219 |
| Speeding under 15 | $176 | $2,108 | Progressive | 44 | June 27, 2024 | Louisville, KY | 40220 |
| Speeding under 15 | $180 | $2,165 | Progressive | 51 | July 20, 2024 | Louisville, KY | 40223 |
| Speeding under 15 | $180 | $2,165 | Progressive | 51 | July 27, 2024 | Louisville, KY | 40223 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
