Cheapest Car Insurance In Louisville, KY 2024
The lowest-priced car insurance for minimum coverage in Louisville is from Cincinnati Insurance, which averages $41 monthly.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for the cheapest car insurance in Louisville, KY, reveals a wide range of pricing options.
If you’re searching for the most affordable liability-only insurance, Cincinnati Insurance is the clear frontrunner. For full coverage, Travelers provides the best pricing, while young drivers will also find Travelers offers the lowest rates.
Cheapest Car Insurance In Louisville, KY
Cheapest Liability-only Car Insurance In Louisville: Cincinnati
Cincinnati provides the most affordable minimum coverage car insurance in Louisville, costing an average of $41 a month.
Use the following table to see how rates differ among insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati | $41 | $490 |
| Auto-Owners | $48 | $570 |
| Travelers | $46 | $556 |
| State Farm | $53 | $641 |
| Allstate | $81 | $970 |
Cheapest Full Coverage Insurance Rates In Louisville: Travelers
In Louisville, Travelers provides the cheapest full coverage car insurance, with quotes averaging $89 a month.
Below is a table comparing average quotes from affordable auto insurance companies in Louisville.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $89 | $1,068 |
| Cincinnati | $101 | $1,216 |
| Nationwide | $115 | $1,380 |
| Allstate | $140 | $1,682 |
| State Farm | $129 | $1,550 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
For seniors in Louisville, Auto-Owners provides the cheapest car insurance rates, averaging $84 a month.
Below is a table listing average quotes from the cheapest car insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $84 | $1,007 |
| State Farm | $103 | $1,232 |
| Allstate | $151 | $1,810 |
| Nationwide | $110 | $1,320 |
| Westfield | $172 | $2,062 |
Cheapest Rates In Louisville For Teenagers: Allstate
Teenage drivers in Louisville get the cheapest insurance quotes from Allstate, averaging $188 per month.
Below is a table showing the companies with the most affordable insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $188 | $2,251 |
| State Farm | $302 | $3,622 |
| Auto-Owners | $313 | $3,760 |
| Nationwide | $243 | $2,914 |
| Travelers | $234 | $2,804 |
Cheapest Auto Insurance For Young Adults in Louisville: Travelers
In Louisville, young adults can get the cheapest car insurance from Travelers, with average rates of $106 per month.
The table below lets you compare the cheapest car insurance rates in Louisville for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $106 | $1,261 |
| State Farm | $143 | $1,715 |
| Allstate | $149 | $1,790 |
| GEICO | $191 | $2,291 |
| Progressive | $178 | $2,140 |
Cheapest Car Insurance In Louisville For Good Drivers: Cincinnati
Cincinnati offers the most affordable car insurance quotes for good drivers in Louisville, with an average monthly cost of $41.
Good drivers can refer to the table below to find average quotes from affordable insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati | $41 | $490 |
| Auto-Owners | $48 | $570 |
| Travelers | $46 | $556 |
| State Farm | $53 | $641 |
| Allstate | $81 | $970 |
Find affordable Louisville rates
Cheapest Car Insurance In Louisville After A Speeding Ticket: Auto-Owners
Auto-Owners stands out as an affordable option in Louisville, with average monthly rates of $104 for drivers who have a speeding ticket.
Use the table below to view average rates for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $104 | $1,250 |
| State Farm | $128 | $1,530 |
| Cincinnati | $122 | $1,466 |
| Nationwide | $159 | $1,904 |
| Shelter | $140 | $1,680 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers with an at-fault accident, Auto-Owners offers the cheapest car insurance, with average rates of $127 a month.
Listed below are the car insurance providers with the cheapest rates for drivers who have an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $127 | $1,520 |
| State Farm | $138 | $1,650 |
| Kentucky Farm Bureau | $141 | $1,695 |
| Allstate | $202 | $2,426 |
| Cincinnati | $213 | $2,560 |
Cheapest Rates In Louisville For Drivers After A DUI: State Farm
For Louisville drivers with a DUI, State Farm is the cheapest option, with average monthly rates of $128.
Louisville drivers with a DUI can check the table below for the most affordable rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $128 | $1,535 |
| Shelter | $185 | $2,220 |
| Allstate | $188 | $2,261 |
| Travelers | $147 | $1,758 |
| Nationwide | $230 | $2,761 |
Best Car Insurance Companies In Louisville
Louisville drivers can secure the most affordable coverage with Cincinnati Insurance, priced at $41 a month. Auto-Owners and Travelers are also worth considering, at $48 and $46 per month, respectively.
Shown here are the top 10 car insurance providers in Louisville, KY, organized by the average monthly premiums they offer.
| Company | Monthly Premium |
| Cincinnati | $41 |
| Auto-Owners | $48 |
| Travelers | $46 |
| State Farm | $53 |
| Allstate | $81 |
| Nationwide | $68 |
| GEICO | $71 |
| Progressive | $64 |
| Kentucky Farm Bureau | $55 |
| Westfield | $82 |
| Grange | $120 |
Average Auto Insurance Rates In Louisville – By Age
Age significantly impacts car insurance rates. Younger drivers, especially teenagers, usually see higher premiums due to inexperience and a greater likelihood of accidents or traffic infractions. The average annual cost for teens is around $6,180.
At age 25, drivers often see their insurance premiums decrease, as long as they keep a spotless driving history.
Insurance companies tend to offer the most favorable rates to drivers in their 50s and early 60s. They use age as a measure of driving experience and risk, affecting the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $6,180 |
| 20s | $3,480 |
| 30s | $2,412 |
| 40s | $2,112 |
| 50s | $2,028 |
| 60s | $2,040 |
| 70s | $2,280 |
Average Cost Of Auto Insurance In Louisville – By Zip Code
Insurance companies rely on zip codes to gauge local crime rates, resulting in different insurance premiums for each area.
The table below provides average car insurance rates for different zip codes in Louisville.
| Zip Code | Average Monthly Rate |
| 40258 | $190 |
| 40220 | $171 |
| 40272 | $186 |
| 40291 | $175 |
| 40299 | $143 |
Average Rates In Louisville – By Vehicle
The vehicle you drive has a major impact on your insurance costs. Companies factor in the make, model, year, and body type. Newer cars, particularly high-end models with advanced tech and costly replacements, often result in higher insurance rates.
Find average insurance premiums in Louisville for different cars using the table below.
| Vehicle | Average Monthly Rate |
| Ford Explorer | $740 |
| Honda Civic | $180 |
| Ford Crown Victoria | $253 |
| Nissan Frontier | $442 |
| Jeep Grand Cherokee | $338 |
How Much Is Car Insurance In Other Cities In Kentucky?
Your city of residence plays a major role in determining your car insurance costs. Companies assess factors like accident probability, theft, and vandalism rates, which tend to be greater in urban areas, causing premiums to increase.
As an example, car insurance costs around $158 monthly for Danville drivers, while in Ashland, residents pay an average of $115 per month.
| City | Average Monthly Rate |
| Bowling Green | $135 |
| Danville | $158 |
| Newport | $133 |
| Owensboro | $142 |
| Covington | $127 |
| Ashland | $115 |
| Versailles | $98 |
| Lexington | $140 |
| Richmond | $130 |
| Frankfort | $128 |
Find affordable Louisville rates
Our Methodology
Drawing from an extensive review that covers aspects like customer service, product features, pricing, and feedback from online review platforms and user experiences, I’ve created a thorough assessment of car insurance providers in Louisville, KY.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Louisville?
In Louisville, Cincinnati Insurance provides the cheapest insurance for the minimum coverage required by California, and Travelers offers the lowest premiums for full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Louisville?
The typical cost of car insurance in Louisville is around $190 per month, but your rate could change based on your zip code, vehicle year and model, driving record, and other factors.
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