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Single-car drivers in Louisville pay an average of $3,405 annually for car insurance. That’s about $284 per month to insure your car.
Louisville is a beautiful hip and flourishing historical city, but car insurance rates in the area may not be as ideal. Premiums are traditionally lower in small towns like Louisville, but rates in Colorado are already above average—and will probably continue to increase in years to come.
Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in Kentucky, download Jerry, the world’s first super app for car owners and your key to optimized insurance!
Best car insurance companies in Louisville
There’s no single company that offers the best rate to everyone in Louisville . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Louisville :
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Car insurance in Kentucky is generally more expensive than the national average, especially for teenagers. That’s because the state sees a high number of fatal car accidents—1.36 deaths per 1 million miles driven. Additionally, Kentucky drivers also faced increased risk factors in the form of more expensive car repairs and many uninsured motorists on the roads. As a result, insurance companies raise their rates to accommodate higher risks.
What is Kentucky’s minimum car insurance?
Kentucky’s minimum car insurance requirements are more comprehensive than in other states—yet another reason drivers face higher rates. The minimum insurance coverages required by KY law are $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability coverage, and $10,000 per person in personal injury protection (PIP). PIP isn’t required in every state, but it helps cover additional, accident-related medical expenses for you and your passengers.
You’ll need to purchase the above insurance in order to register your vehicle—and when you drive, you’ll need to carry proof of insurance with you.
How much does car insurance in Louisville cost?
Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Louisville:
How do Louisville insurance rates compare to similar areas? Take a look at the table below to see.
Let’s break down what makes car insurance in Louisville so expensive. The graph below shows how much Kentucky drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Kentucky require?
How much insurance do I need in Kentucky?
In Kentucky, the minimum insurance requirements are $25,000 of property liability per accident, $25,000 of bodily injury liability per person, and $50,000 worth of bodily injury liability per accident. This is also known as the 25/50/25 rule. You’re also required to have personal injury protection coverage (PIP).
What do you need if you’re pulled over?
If you’re involved in a situation with the police or an accident, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Kentucky a no-fault state?
Yes, Kentucky is a no-fault state. This means you must carry personal injury protection (PIP) coverage which pays for injuries to you and your passengers regardless of who is at fault for the accident. However, fault, or liability, is still a factor for property damage and bodily injury claims.
Kentucky is one of three no-fault states where drivers can opt out of the standard no-fault policy by choosing full tort liability, meaning they can sue at-fault drivers for additional damages. Drivers who chose this option in Kentucky are waiving no-fault coverage in total.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.
Best car insurance for bad drivers in Louisville
Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Louisvillewith a history of violations saved on insurance:
How much is car insurance in Louisville with a DUI?
If you have a DUI on your record, your car insurance premium in Louisville could increase by as much as 8%.
How much does your car insurance increase after a speeding ticket in Louisville?
If you’re caught speeding through Louisville and end up with a ticket, you can expect to see your insurance rate jump by about 28%. And keep in mind—repeated speeding tickets could cause an even bigger increase!
How many drivers in Louisville have been in an accident?
About 9.18% of drivers in Louisville have been in an accident - resulting in an average rate increase of 28%.
How many fatal accidents happen in Louisville each year?
According to local accident statistics, there are roughly 17.3 fatal accidents per 100,000 residents in the city of Louisville each year. Insurance won’t protect you against accidents like this, so be sure to drive safely!
Best car insurance in Louisville by age
Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!
Best Car Insurance in Louisville for young drivers
That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Louisville based on your age? Check out the table below.
Car insurance in Louisville for your car
Your age and driving record aren’t the only things that determine your car insurance rates in Louisville. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Kentucky—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Louisville neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Louisville.
More people in Louisville drive a Nissan Altima 2.5 than any other car! On average, these drivers pay $2,999 for their auto insurance.
What is the most expensive car to insure in Louisville?
At an average of $7,039 per year, a Cadillac Sts is the most expensive car to insure in Louisville. If you drive one, we’re sorry.
Car insurance cost based on where you live in Louisville:
Now, we’ve been talking about “drivers in Louisville” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Louisville, drivers in the 40210, 40211, 40212, 40208 and 40203 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 40222, 40204, 40207, 40217 and 40243 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Finding a good car insurance policy in Louisville is just the beginning. If you’re new to the area, here’s everything you should know about driving in Louisville.
Louisville driving FAQs
What are the average gas prices in Louisville?
The price of gas in Louisville varies over time, but it’s typically about 6.7% lower than the national average. For tips to help save money on gas, check out our guide!
What is the rate of catalytic converter theft in Louisville
On average, 2.298 catalytic converters are stolen annually in Louisville per 1,000 cars.
What is the average commute time in Louisville?
The average one-way commute in Louisville takes 22.4 minutes, which is shorter than the US average of 26.4 minutes. The average Louisville driver lost 7 hours in congestion in 2021.
How can you save money on car insurance in Louisville?
Let’s face it: living in Louisville means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Louisville.
Compare quotes and shop often
That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.
Hunt for discounts
Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
Good driver discounts:
Louisville drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
Good student discounts:
Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Kentucky—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.
Increase your deductible
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.