Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Louisville, Kentucky.

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Updated on Nov 21, 2024

Jasmine Kanter

Expert Insurance Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Maria Cruz, Expert Insurance Writer & Editor

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Louisville
Best car insurance companies in Louisville
Best cheap auto insurance quotes in Louisville
Average cost of car insurance in Louisville
Car insurance quotes in Louisville by rating factors
How do different factors impact your car insurance costs in Louisville?
Cheap car insurance quotes in Louisville after driving violations
Cheap car insurance quotes in Louisville by age
Cheap car insurance quotes in Louisville based on insurance history
Cheap car insurance quotes in Louisville for drivers with poor credit
Cheap car insurance quotes in Louisville for popular cars
How to lower car insurance costs in Louisville
FAQ
Methodology
Sources
Meet our experts

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How to find the cheapest car insurance quotes in Louisville

Louisville is the most populous city in

Kentucky

, housing over 600,000 residents. When it comes to tourism, “Bourbon City” is in the heavyweight league—not only is it the home of Muhammad Ali and the famous Kentucky Derby, it also has a vibrant architectural, cultural, and historical scene.

Jockeys aren’t the only drivers who live in the fast lane in Louisville. Thanks to high congestion and fatality rates, residents pay an average of $1,743 per year for minimum insurance coverage and $3,183 per year for full coverage. That’s 33% higher than the state average and 69% higher than the national average rates.

If you’re looking for

affordable car insurance

, try comparing quotes.

Jerry

makes it easy by automatically collecting and comparing rates from over 55 top providers on your smartphone—no phone calls or paperwork needed. Best of all, the quotes are free.

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$216	Marguerite, 46 Zip: 40214	Buick Lacrosse CXL	• State Minimum Liability
Allstate	$285	Lettie, 23 Zip: 40258	Chevrolet Sonic LT	• 50,000/100,000 Liability • Comp / Collision
Nationwide	$195	Birdie, 49 Zip: 40291	Chevrolet Impala LT	• State Minimum Liability • Comp / Collision
Travelers	$219	Susan, 42 Zip: 40218	Toyota Tundra Double Cab Sr/sr5	• 100,000/300,000 Liability • Comp / Collision
State Auto	$212	Nannie, 29 Zip: 40229	Ford F150 Supercrew	• State Minimum Liability

Last Updated Nov 21, 2024

Compare car insurance quotes now

Best car insurance companies in Louisville

The best car insurance companies in Louisville have different strengths and weaknesses. For example, Kentucky drivers said that Clearcover scored the best overall and offered the lowest prices. But they also said

Progressive

had the best customer service and Liberty Mutual provided the best claims experience.

Jerry gathered these recommendations during its national shopping survey, which surveyed over 15,000 verified policyholders in 50 states. If affordability is your number one concern, we also have that data—check out the table below for the five cheapest providers in Louisville.

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost	Jerry user rating
Travelers	$41	$164	4.5
Nationwide	$61	$235	4.2
Safeco	$87	$205	4.4
National General	$89	$178	4.3
Esurance	$90	$227	4.1

As for large providers like

GEICO

State Farm

, and

USAA

, they received middling scores.

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap auto insurance quotes in Louisville

When it comes to car insurance, “best” and “cheap” don’t always go hand-in-hand. The cheapest car insurance follows

Kentucky’s car insurance laws

, but the best coverage for your situation might involve some extra coverage options, like roadside assistance or

uninsured motorist/underinsured motorist coverage (UM/UIM)

At Jerry, our insurance agents generally recommend carrying at least 100k/300k/100k liability insurance and full coverage.

Cheap minimum liability insurance quotes in Louisville

Kentucky’s minimum car insurance requirements mandate

liability insurance

and

personal injury protection (PIP)

Liability insurance pays the other driver’s medical expenses and car repair or replacement costs if you were to blame for the accident. PIP pays to treat your and your passengers’ injuries regardless of fault.

The minimum liability insurance required follows a 25/50/10 rule, which provides:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$10,000 of

property damage liability

coverage per accident

$10,000 of PIP coverage per accident

Alternatively, you can also opt for a policy with a single, combined liability coverage limit of $60,000.1 But because Kentucky is a so-called “choice no-fault state,” it’s possible to reject the PIP coverage—and the limitations on your right to sue—in writing using the

Kentucky No-Fault Rejection Form

Louisville drivers pay an average of $1,743 per year (or $145 per month) for the minimum coverage listed above.

While Kentucky’s car insurance laws aren’t predicted to change, a few new rules took place on January 1st, 2024. EV owners are now required to pay $120 per year, while hybrid or electric motorcycle owners must pay $60. Plus,

Kentucky’s special military license plates

are now available to motorcyclists.2

Progressive

Caroline (48 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40272)

Chevrolet Equinox LS

$115

per month

Safeco

William (28 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40214)

Ford Fusion SE

$147

per month

Travelers

Helen (44 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40291)

Toyota Camry

$150

per month

Allstate

Floyd (29 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40216)

Chevrolet Cruze LT

$160

per month

Clearcover

Elizabeth (35 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40217)

BMW 328 i Sulev

$64

per month

Do you need more than minimum coverage in Louisville?

Louisville drivers probably need more than the minimum liability and PIP coverage. $10,000 of property damage liability coverage is often not enough compared to the cost of most new vehicles. And if you or your loved ones get into a serious car accident, $10,000 of PIP coverage won’t go far in paying for their medical bills.

The bottom line: Raise your liability limits to 50/100/50—or better yet, 100/300/100—if you can, and your PIP coverage limits as high as you can afford.

Josh Damico

VP Insurance Operations, 18+ Years Experience in Insurance

A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in Louisville

full-coverage car insurance

policy is the only way to protect yourself from costs associated with repairing or replacing your vehicle.

Collision coverage

protects your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle's actual cash value.

Comprehensive coverage

covers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.

If you’ve leased or financed your car, you may have already agreed to carry a full coverage car insurance policy. Most dealerships and banks mandate collision, comprehensive, and gap insurance in their financial contracts.3

Check the table below to see the cheapest full-coverage auto insurance quotes that Jerry customers found in Louisville.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$115	Caroline, 48 Zip: 40272	Chevrolet Equinox LS
• State Minimum Liability • Comp / Collision	AAA	$311	Louis, 24 Zip: 40211	Chevrolet Trax LS
• 50,000/100,000 Liability • Comp / Collision	Allstate	$285	Lettie, 23 Zip: 40258	Chevrolet Sonic LT
• State Minimum Liability • Comp / Collision	Safeco	$147	William, 28 Zip: 40214	Ford Fusion SE
• 100,000/300,000 Liability • Comp / Collision	State Auto	$322	Alberta, 41 Zip: 40202	Tesla Model S

Last Updated Nov 21, 2024

"Having Progressive genuinely saved me almost $100! From full coverage and high bills to full coverage and to affordable bills, I’ve recommended almost everyone I know to Progressive! They’ve all saved and I’m very happy with my coverage!"

Amanda

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Louisville

The average cost of car insurance in Louisville is $145 per year for minimum insurance coverage and $265 per year for full coverage. For comparison, Kentucky car insurance costs 33% less. The national average rate is a whopping 69% smaller.

The reasons why car insurance is so expensive in Louisville are:

Bad drivers cause more accidents: To find the American cities with the worst drivers, Consumer Affairs weighed the number of car accidents and fatalities against bad driving behaviors like driving under the influence and speeding. Louisville ranked 57th out of 323 cities.4

Extreme weather drives up claims: While Jefferson County has an average number of natural disasters each year, floods, storms, and tornadoes wreak a lot of property damage.5

Motor vehicle fatalities make it risky to drive: Kentucky has an above-average number of motor vehicle crash deaths per 100,000 people.6

Motor vehicle thefts make it risky to park: Kentucky’s rate of motor vehicle thefts is declining, but it’s still much higher than it was a decade ago. The Louisville Metro Police Department reported 214 vehicles stolen per 100,000 people in 2022 versus 153 in 2012.7

Traffic drives up car accident rates: Louisville takes the 730th place for most congested city… worldwide. Drivers lose 11 hours to congestion every year.8

Average cost of car insurance in Louisville by ZIP code

The average insurance rate can help you predict your insurance costs, but it’s mostly inaccurate. Each driver's auto insurance rates are calculated using a range of factors, from vehicle type to ZIP code.

The lowest rate you can find in Louisville partly depends on where you live. The cheapest ZIP code is 40209, with an average annual cost of $1,051.Here are the five most expensive places to insure your car in Louisville:

ZIP Code	Monthly minimum coverage cost
40215	$211
40212	$223
40211	$243
40210	$246
40202	$289

Compare car insurance costs in other states

Ohio car insurance

Indiana car insurance

Tennessee car insurance

West Virginia car insurance

Virginia car insurance

North Carolina car insurance

South Carolina car insurance

Illinois car insurance

Car insurance quotes in Louisville by rating factors

Insurance companies in Louisville use many rating factors when

calculating your auto insurance premiums

Age: Drivers under 25 pay higher insurance rates due to their limited driving experience.

Driving history: Insurers will charge more if you have at-fault accidents or traffic tickets on your driving record or in your claims history.

Parking spot: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims.

Usage: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure.

Vehicle: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.

How do different factors impact your car insurance costs in Louisville?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Kentucky currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Louisville:

Cheap car insurance quotes in Louisville after driving violations

Your Kentucky

driving record

impacts your auto insurance quotes. If insurance providers see a history of violations, they may consider you a high-risk driver and charge steeper rates.

Some common violations that can raise your insurance rates include:

An at-fault car accident

Careless driving

Driving Under the Influence (DUI)

Driving with a suspended license

Driving without insurance

Reckless driving

Speeding

Cheapest car insurance in Louisville after speeding ticket

In Kentucky, a speeding ticket can increase your car insurance rates by an average of 33%.

Louisville car insurance prices are even worse. For example, the average annual insurance rate after a speeding ticket in the Bluegrass State is $2,527, but the cost nearly doubles to $4,111 if you live in the city.

But that’s just the average. You can cut costs by using Jerry to find cheap quotes after a speeding ticket.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 11-15	Bristol West	$144	Bertha, 28 Zip: 40220	GMC Acadia SLT-1	• State Minimum Liability
Speeding 16-20	Safeco	$465	Hannah, 25 Zip: 40219	BMW 330Xi	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheapest car insurance in Louisville after DUI

In Louisville,

a DUI violation

can raise your insurance rates and label you as a

high-risk driver

. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another.

Jerry helped drivers find low-cost options in Louisville after a DUI.

Clearcover

Flora (40 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40223)

Toyota Corolla L

$248

per month

Bristol West

James (30 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40213)

Ford Explorer XLT

$179

per month

Cheapest car insurance in Louisville after an at-fault accident

Kentucky follows at-fault rules. If you get into an

at-fault car accident

in Louisville, you’ll be responsible for the other driver’s medical treatments and car repair bills, and your insurance rates will probably skyrocket.

Louisville drivers pay an average of $3,570 per year after an at-fault accident. A quick look at free car insurance quotes with Jerry will tell you whether you can find a provider that charges less.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$137	Glenn, 35 Zip: 40229	KIA Optima LX	• State Minimum Liability
At Fault With No Injury	Travelers	$219	Belle, 41 Zip: 40218	Toyota Tundra Double Cab Sr/sr5	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Safeco	$156	Pearl, 31 Zip: 40272	Toyota Corolla L	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$195	Nathan, 48 Zip: 40291	Chevrolet Impala LT	• State Minimum Liability • Comp / Collision

Last Updated Nov 20, 2024

Cheapest car insurance in Louisville after other driving violations

Whatever driving violation you have on record, a

licensed insurance broker

can help you review your cost and coverage options. Over 4,000,000 customers trust Jerry to help them find the best of both categories.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Failure to Obey Signal	Progressive	$263	Celia, 31 Zip: 40202	Toyota Corolla LE	• 100,000/300,000 Liability • Comp / Collision
Careless Driving	Allstate	$157	Katie, 28 Zip: 40214	Ford Focus SE	• State Minimum Liability
Driving on Sus. License	Progressive	$332	Glen, 30 Zip: 40215	Saturn VUE	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Safeco	$84	Roxie, 25 Zip: 40299	Ford Escape XLS	• State Minimum Liability

Last Updated Nov 21, 2024

Cheap car insurance quotes in Louisville by age

Generally speaking, the golden bracket for low car insurance costs is for those between the ages of 25 and 75.9 Whether you're a teen or a senior driver who falls outside these bounds, here's how to make the most of your age.

Cheapest car insurance in Louisville for young drivers

The leading cause of death among teens is motor vehicle crashes. They’re also more likely to engage in risky behaviors like speeding, forgetting their seat belts, or driving under the influence. 10

As a result,

car insurance for teen drivers

costs almost three times as much as a 55-year-old driver for the same coverage in 2023.11

A full-coverage car insurance policy provides the best financial protection for a new driver who’s just beginning to learn the rules of the road. Staying on a parent or guardian’s policy is another great way to keep costs low.

Here’s how much young motorists pay for insurance through the Jerry app.

Progressive

Sue (24 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40207)

Toyota RAV4 LE

$137

per month

Travelers

Adam (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Louisville, KY
(Zip Code: 40206)

Chevrolet Malibu LTZ

$327

per month

AAA

Louis (24 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40211)

Chevrolet Trax LS

$311

per month

Allstate

Lettie (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Louisville, KY
(Zip Code: 40258)

Chevrolet Sonic LT

$285

per month

Bristol West

Jeanette (24 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40204)

Hyundai Tucson GLS

$536

per month

Cheapest car insurance in Louisville for senior drivers

As hearing, vision, and reaction time decline, drivers over the age of 70 become more likely to get into a car accident. They’re also more likely to suffer serious injuries.12

Look for discounts for retirees and a low annual mileage if you’d like affordable car insurance for

senior drivers

Here’s how much senior motorists pay for coverage through Jerry.

Progressive

Hilda (66 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40214)

Ford Escape Limited

$364

per month

Nationwide

Sara (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Louisville, KY
(Zip Code: 40216)

Ford Edge Sport

$218

per month

Safeco

Aiden (74 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40218)

Chevrolet Impala Premier

$125

per month

Travelers

Lizzie (66 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Louisville, KY
(Zip Code: 40218)

Ford Explorer Eddie Bauer

$187

per month

Clearcover

Julian (92 years old)

Coverage

State Minimum

Louisville, KY
(Zip Code: 40291)

BMW 528 i

$236

per month

Cheap car insurance quotes in Louisville based on insurance history

Your insurance history tells providers how long you’ve been insured, whether you’re currently insured or not, and whether you have any

car insurance lapses

. Insurers treat it as an important indicator of costly behaviors like skipping payments and driving uninsured.13

Regardless of your insurance history, Jerry has helped motorists find affordable coverage.

Progressive

Ida (53 years old)

Currently Insured

Coverage

State Minimum

Louisville, KY
(Zip Code: 40272)

Jeep Grand Cherokee Sport

$336

per month

AAA

Edith (29 years old)

Currently Insured

Coverage

State Minimum

Louisville, KY
(Zip Code: 40245)

Volvo S80 2.5T

$90

per month

Travelers

Joseph (41 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Louisville, KY
(Zip Code: 40218)

Toyota Tundra Double Cab Sr/sr5

$219

per month

Nationwide

Nathan (48 years old)

Currently Insured

Coverage

State Minimum

Louisville, KY
(Zip Code: 40291)

Chevrolet Impala LT

$195

per month

State Auto

Jerome (28 years old)

Currently Insured

Coverage

State Minimum

Louisville, KY
(Zip Code: 40202)

Ford F150 Supercrew

$212

per month

Finding cheap car insurance in Louisville: hear from real drivers

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Not only was Allstate cheaper than my old insurance but they give you points and rewards towards things which makes it even better!!

Amber

Progressive has been an amazing company. Snapshot is a great tool, and they work with you. They are amazing!

Austin

Traveler's has been a blessing to me. Not only have they saved me so much money, but their coverage matched what I had with a previous insurance company and I don't have to worry.

Cecelia

Cheap car insurance quotes in Louisville for drivers with poor credit

Insurers use your credit rating to evaluate your likelihood of making an insurance claim. The lower your credit score, the higher your insurance premiums.

On average, American drivers with fair credit (710-740) pay 49% more for car insurance coverage than drivers with excellent credit (823+). Unfortunately, drivers with poor credit (524-577) pay 44% more than the former and 115% more than the latter.14

Have a look at how much your credit score can affect your insurance costs.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$156	Bettie, 34 Zip: 40219	Ford Fusion SE	• State Minimum Liability
660 - 750	Allstate	$174	Dustin, 58 Zip: 40219	GMC Terrain SLE	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Safeco	$147	Fanny, 28 Zip: 40214	Ford Fusion SE	• State Minimum Liability • Comp / Collision
550 - 659	AAA	$90	Rachel, 29 Zip: 40245	Volvo S80 2.5T	• State Minimum Liability
< 550	Clearcover	$185	Eva, 40 Zip: 40118	Ford Fusion SE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 18, 2024

Cheap car insurance quotes in Louisville for popular cars

Your vehicle’s make and model also influence how much you pay for car insurance. The

cheapest cars to insure

have low repair costs, great security systems, and excellent safety ratings.

Popular car models in Louisville include:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
RAM 1500 Rebel	Progressive	$125	Ethel, 31 Zip: 40218	• State Minimum Liability • Comp / Collision
Toyota RAV4 Limited	Safeco	$206	Jerome, 28 Zip: 40291	• State Minimum Liability • Comp / Collision
Toyota Highlander LE	Progressive	$95	Mollie, 32 Zip: 40219	• State Minimum Liability

Last Updated Nov 18, 2024

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Louisville

1. Shop around and compare quotes

Whenever you go

shopping for car insurance

, it’s important to compare personalized quotes from at least three different providers. Personalized quotes give you the most accurate idea of what your costs will be, while comparison shopping tells you whether you’ve got a competitive rate or not.

Jerry

makes it easy to compare quotes from top auto insurance companies at once with a 4.7-star app.

You’ll get the best deals in Louisville, plus the option to change your coverage levels so you can find the perfect balance between price and protection.

2. Hunt for car insurance discounts

Every provider offers

car insurance discounts

, but their eligibility and savings amounts vary. Here are a few common savings programs to look for:

Good driver discounts: Get 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.

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.

Telematics discounts: 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!

If you need more than one insurance product, look for bundling discounts. You could save up to 25% on the right home and auto insurance bundle!

3. Increase your deductible for comprehensive and collision coverage

Choosing a higher deductible is an easy way to cut your monthly premiums while maintaining full coverage. You could save anywhere from 7 to 28 percent every year—just don’t commit to paying more than your finances can handle.15

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Louisville?

Car insurance in Louisville costs an average of $145 per month or $1,743 per year for minimum coverage. Full coverage is $265 per month, or $3,183 per year. Comparing quotes can help you find below-average rates for both kinds of car insurance policies.

What is the cheapest car insurance in Louisville?

The cheapest car insurance in Louisville is Kentucky state minimum coverage, which costs about $145 per month or $1,743 per year. However, the cheapest car insurance company depends on the driver. Your location, vehicle, driving record, and more decide your premiums, so comparing quotes is key to finding the lowest rates.

What is the best car insurance in Louisville?

The best car insurance company in Louisville is Clearcover, as long as you prioritize affordability. If you want the best customer service, check out Progressive or Liberty Mutual for the most satisfying claims process. These results are courtesy of Jerry’s national insurance shopping survey and the thousands of verified Kentucky policyholders who responded.

What is the minimum car insurance in Louisville, Kentucky?

The minimum auto insurance coverage required in Louisville, Kentucky, follows a 25/50/10 rule, which translates to at least:

$25,000 of bodily injury liability coverage per person

$50,000 of bodily injury liability coverage per accident

$10,000 of property damage liability coverage per accident

Plus, $10,000 of personal injury protection coverage per accident.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 providers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Sources

https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspx

https://www.wdrb.com/news/politics/nearly-a-dozen-new-kentucky-laws-going-into-effect-jan-1/article_ccf7062c-a500-11ee-9d2b-27525b76aca8.html

https://www.insurancebusinessmag.com/us/guides/insurance-for-leased-car-vs--owned-car-whats-the-difference-458114.aspx

https://www.consumeraffairs.com/automotive/worst-drivers-in-america.html

https://www.city-data.com/city/Louisville-Kentucky.html

https://www.iihs.org/topics/fatality-statistics/detail/state-by-state

https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/crime-trend

https://inrix.com/scorecard-city-2022/?city=Louisville%20KY&index=730

https://www.iii.org/article/what-determines-price-my-auto-insurance-policy

https://www.iii.org/article/background-on-teen-drivers

https://www.insurancebusinessmag.com/us/guides/a-guide-to-cheap-car-insurance-for-new-drivers-459484.aspx

https://www.iii.org/article/background-on-older-drivers

https://www.iii.org/article/what-if-i-cant-find-auto-coverage

https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf

https://www.forbes.com/advisor/car-insurance/savings-by-raising-car-insurance-deductible/

Meet our experts

Jasmine Kanter

Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.

Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.