Best Louisville, KY Auto Insurance in 2025 (Top 10 Companies Ranked)
Looking for the best Louisville, KY auto insurance at unbeatable prices? Providers like State Farm, Allstate, Nationwide, and Liberty Mutual offer affordable rates to fit your needs. These trusted companies ensure you meet Kentucky’s 25/50/10 minimum liability requirements without breaking the bank. Start saving today.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jan 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
17,760 reviewsCompany Facts
Full Coverage in Louisville KY
A.M. Best Rating
Complaint Level
17,760 reviews
19,116 reviewsCompany Facts
Full Coverage in Louisville KY
A.M. Best Rating
Complaint Level
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Louisville KY
A.M. Best Rating
Complaint Level
13,128 reviews
State Farm, Geico, and Progressive offers the best Louisville, KY auto insurance quotes. State Farm offers great local service, starting at $341 monthly in full coverage, making it the top pick for local service.
Louisville, KY have three affordable auto insurance companies that are highly rated for meeting your coverage needs. We will explore key factors influencing rates and share quotes from top providers to help you make an informed decision.
Our Top 10 Company Picks: Best Louisville, KY Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Local Service State Farm
#2 25% A++ Low Rates Geico
#3 10% A+ Flexible Policies Progressive
#4 25% A+ Comprehensive Coverage Allstate
#5 20% A+ Safe Drivers Nationwide
#6 25% A Bundling Discounts Liberty Mutual
#7 13% A++ New Vehicles Travelers
#8 10% A++ Military Families USAA
#9 25% A+ Accident Forgiveness Erie
#10 5% A+ Senior Drivers The Hartford
- The minimum liability auto insurance companies in Louisville, KY coverage requirement in Kentucky is 25/50/10
- You can get car insurance in Louisville, KY for as low as $45 per month from Kentucky Farm Bureau
- State Farm, Allstate, Nationwide, and Liberty Mutual are other affordable car insurance companies in Louisville, KY
Get big discounts and quotes for your auto insurance from the top providers in Louisville, KY today by entering your ZIP code into the quote box.
#1. State Farm: Top Overall Pick
Pros:
- Strong Local Agents Support: Many agents in Louisville offer personalized service that meets the driver’s specific needs, which is highlighted in State Farm auto insurance review.
- Driving rewards available: Enjoy peace of mind with accident forgiveness and competitive rewards for safe driving.
- Competitive bundling discounts: Savings for combining auto and home policies.
Cons:
- Varied local pricing: Rates can vary widely within Louisville, KY.
- Limited technology features: Fewer digital management features than other competitors in Louisville, KY.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2. Geico: Best for Low Rates
Pros:
- Competitive Rate: Geico offers a very competitive rates for good drivers in Louisville, KY starting from $24 per month which is excellent for those drivers who are looking for cheap car insurance.
- Convenient Technology: Easy mobile application and online policy tools to manage your auto insurance in Louisville, KY.
- Wide Discount Options: With Geico, drivers can enjoy savings for military, good drivers, and many more.
Cons:
- Smaller agent network: Due to limited local agents, the drivers may find it challenging to have a local in-person assistance support.
- High-risk premiums: Drivers claims the costs rise for Louisville, KY auto insurance.
#3. Progressive: Best for Flexible Policies
Pros:
- Flexible coverage tools: Offers Name Your Price tool that adapts to budget.
- Bundling options save: Strong discounts for combining policies in Louisville, KY.
- Safe driving incentives: Snapshot program rewards good driving records.
Cons:
- Mixed service reviews: According to Progressive auto insurance review, some Louisville customers reported slower responses.
- High-risk driver rates: Costs can spike for accident-prone drivers.
#4. Allstate: Best for Comprehensive Coverage
Pros:
- Tech-based savings program: Drive-wise rewards safe driving in Louisville, KY.
- Trusted local agents: Trusted network for personalized advice which reflects on the Allstate auto insurance review.
- Comprehensive options: Wide range of coverage beyond basic needs.
Cons:
- Credit-sensitive pricing: Rates may rise for Louisville, KY drivers with poor credit.
- Limited app features: Less robust than competitors like Geico or Progressive.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5. Nationwide: Best for Safe Drivers
Pros:
- Deductible rewards: Safe drivers in Louisville can benefit from a vanishing deductible.
- Forgiveness for accidents: Great for drivers who have occasional claims.
- Reliable roadside help: Reliable services tailored to local needs.
Cons:
- Higher premiums possible: Costs may rise for certain Louisville, KY profiles.
- Discount limitations: There are fewer savings options available for younger drivers.
#6. Liberty Mutual: Best for Bundling Discounts
Pros:
- Offers various discounts: Liberty Mutual offers various discounts including for safe drivers and multiple policies.
- Early signing discounts: Save money with early signing discounts by committing in advance.
- 24/7 claims service: Enjoy 24/7 claims service for convenient support for auto insurance Louisville, KY drivers.
Cons:
- Higher Premium Rates: Expect premiums to be above average.
- Complex policy details: The complexity of policy details demands additional time for complete understanding.
#7. Travelers: Best for New Vehicles
Pros:
- Bundling savings available: Discounts for combining home and auto insurance are available.
- Tailored coverage plans: Custom coverage plans tailored to the needs of Louisville drivers.
- Easy online tools: Simplified online tools for easy claims filing and management.
Cons:
- Delayed claims handling: Reports of slower processes for Louisville, KY customers.
- Rigid pricing structure: There are limitations in terms of flexibility for high-risk drivers.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8. USAA: Best for Military Families
Pros:
- Best military rates: Lowest prices for veterans and service members.
- Outstanding customer care: 24/7 support tailored for military families.
- Comprehensive coverage: Extras like roadside assistance are included.
Cons:
- Restricted eligibility: Limited to military families in Louisville.
- Fewer discount options: Limited savings on non-military members.
#9. Erie Insurance: Best for Accident Forgiveness
Pros:
- Affordable for safe drivers: Competitive pricing for clean records.
- Exceptional service reviews: Highly rated by Louisville, KY policyholders.
- Unique pet coverage: Options for drivers with pets.
Cons:
- Outdated tech tools: Lacks advanced online management features.
- Limited availability: Coverage varies within Louisville, KY neighborhoods.
10. The Hartford: Best for Senior Drivers
Pros:
- Senior driver savings: Discounts for older Louisville drivers.
- Fast claims response: Strong local reputation for handling claims.
- Diverse coverage options: Packages tailored to various needs.
Cons:
- Youth driver rates: Higher costs for younger Louisville residents.
- Fewer local agents: Limited personalized support in the area.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
What are the auto insurance coverage requirements in Kentucky?
When looking for affordable auto insurance in Louisville, KY, it’s important to know the Kentucky driving requirements set by the Kentucky Department of Insurance. Driving legally in Louisville has these minimum auto insurance requirements:
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 25,000/50,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 50,000 |
| Uninsured Motorist Bodily Injury | Not required | 100,000/300,000 |
| Medical Payments | Not required | 100,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 500 deductible |
First, it’s important to understand what liability insurance covers.
Only having liability coverage may be adequate for a much older car, or a vehicle you aren’t currently financing that can be replaced easily and cheaply. For most drivers, this isn’t the case.
How much are you paying each month on your insurance premiums? If your answer is somewhere close to $125 per month, then you’re right on par with most Kentucky auto insurance costs.
As for average auto insurance rates in Louisville, KY, however, you can get rates as low as $64/mo* or less – and we’re ready to show you how.
Compare auto insurance companies in Louisville, KY with our tool, then read about the most affordable Louisville, KY auto insurance in the section below.
How do I find the cheapest auto insurance in Louisville, KY?
When looking for the absolute cheapest auto insurance in Louisville, it’s important to know there are many factors that can determine your monthly premium rate. Average premium rates from Louisville auto insurance companies can be seen in the chart below.
There are a variety of companies offering competitive rates, such as Safe Auto Louisville, KY, State Farm Louisville, KY, Affordable Auto Insurance in Louisville, KY in addition to other Louisville, KY local auto insurance like Old KY Insurance in Louisville, KY.
If getting the absolute lowest rate is important to you, then you should give State Auto, State Farm, or the Kentucky Farm Bureau a call.
But make sure you keep other factors in mind, like customer service or their claims process. A low monthly premium could be too good to be true if that’s the only good thing your provider has to offer.
Auto insurance companies contemplate different variables when determining Louisville, KY auto insurance quotes, including driving experience, accident claims, occupation, driving distance to work, and multiple cars and drivers. Additionally, premiums vary among Louisville, Kentucky auto insurance companies.
To find out whether you’re still getting the most favorable rate, compare the cheapest auto insurance in Louisville, KY online. Cheap car insurance in KY can easily be found!
What factors affect auto insurance rates in Louisville, Kentucky?
There is a wide array of various things which could factor into the rate quotes you receive when looking for auto insurance in Louisville, KY.
Even though many of these things aren’t really anything you can do something about, a few of them are factors you can change for the better. Here are a few elements which might affect your affordable auto insurance in Louisville, KY.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
How does where I live affect my auto insurance rates?
Where you park your car each night will have a major impact on your auto insurance rate. Generally, auto insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle.
According to City-Data, the population of Louisville is 262,764 and the median household income is $34,714, so insurance in Louisville, KY is usually cheaper than insurance in larger cities.
As you can see, rates for auto insurance in Louisville, KY can differ based on your ZIP code.
Why is the car accident fatality rate so high in Louisville, Kentucky?
There are more than a quarter of a million people living in Louisville, Kentucky. This explains in part why accident statistics are so high for the area, but it isn’t the only contributing factor.
Unfortunately, these high numbers might be contributing to higher monthly premiums for you. Talk to your insurance agent about Safe Driver discounts, and ask if and how you can qualify for one.
How many cars are stolen in Louisville, Kentucky?
Even in small cities or rural towns, auto theft can still be a problem. To make it less of a problem for you, think about installing a passive anti-theft system on your car.
The Louisville, KY auto insurance agents may reward you with lower rates! In Louisville, there were 2,173 auto thefts as recently as 2002.
If these high rates of auto theft make you uncomfortable, consider adding Comprehensive coverage to your affordable Louisville, KY auto insurance policy. It’s pricey, but it just might save you from having to buy a new car.
Your insurance company can provide additional information and comprehensive insurance quotes for KY drivers.
How does my credit history affect my auto insurance rates in Louisville, Kentucky?
Drivers with good credit get great premiums, as the chart below shows. For those with poor credit, however, monthly premiums can get very expensive. If you have bad credit, start tracking your score and taking steps to improve it if you want to lower your monthly insurance bill.
How does my age affect my auto insurance rates in Louisville, Kentucky?
If you are a teenage driver or the parent of one, then the chart below will be especially painful for you to look at. Younger drivers are charged wildly higher Louisville, KY auto insurance rates because their lack of driving experience puts them at a higher risk for an accident. Luckily, there are Good Student and Driver’s Ed insurance discounts available to help offset this cost.
Insurance Company Age: 17 Female Age: 17 Male Age: 35 Female Age: 35 Male
$110 $120 $380 $390
$115 $128 $375 $385
$105 $115 $365 $375
$120 $130 $385 $395
$125 $135 $395 $405
$112 $125 $370 $380
$90 $95 $230 $240
$118 $128 $380 $390
$113 $123 $375 $385
$100 $110 $350 $360
Insurance Company Age: 17 Female Age: 17 Male Age: 35 Female Age: 35 Male
$110 $120 $380 $390
$115 $128 $375 $385
$105 $115 $365 $375
$120 $130 $385 $395
$125 $135 $395 $405
$112 $125 $370 $380
$90 $95 $230 $240
$118 $128 $380 $390
$113 $123 $375 $385
$100 $110 $350 $360
Easily compare auto insurance quotes in Louisville, KY by using our comparison tool. Our tool easily compares rates from the best Louisville insurance companies.
How does my driving record affect my auto insurance rates in Louisville, Kentucky?
Have you heard of “accident forgiveness”? It’s a new type of discount which insurance companies are offering to drivers with a minor blemish or two on their driving record. Serious citations, however, will still get you higher monthly premiums – or automatically terminate your coverage at some Louisville, KY auto insurance companies.
How does my vehicle affect my auto insurance rates in Louisville, Kentucky?
Luxury vehicles are more expensive to insure because they require a luxury insurance policy, plain and simple. You could actually insure an expensive, shiny, luxury vehicle for quite cheaply if all you bought were low amounts of Liability coverage.
But if anything else happened to your vehicle, you would be 100% financially responsible for replacing it.
Cheap cars in Louisville, Kentucky will usually come with cheap insurance in Kentucky.
How does my marital status affect my auto insurance rates in Louisville, Kentucky?
Married couples have an advantage over singles in that they can bundle their policies together (with the same insurance company, that is). And if you have other insurance policies, like on your home or a boat, you can bundle those too for more discounts.
How does my gender affect my auto insurance rates in Louisville, Kentucky?
Insurance companies aren’t interested in stereotypes. They want cold, hard data. And their data shows that there’s no good reason to charge men and women different monthly premiums based on gender alone. That’s why many companies are moving away from such a practice.
How does my commute affect my auto insurance rates in Louisville, Kentucky?
In Louisville, the typical drive to or from work can take anywhere from 15-20 minutes. Just under three-fourths of all drivers take their own vehicle when traveling to their place of employment.
About 4-16% prefer to carpool with their co-workers, but in some areas that carpool average can get as high as 21%.
An example of how your commute can affect your rates can be seen in the chart below.
Average Annual Auto Insurance Rates by Commute Length
| Company | 10 miles commute/ 6,000 annual mileage | 25 miles commute/ 12,000 annual mileage |
|---|---|---|
| $7,227.85 | $7,653.06 |
 | $3,765.00 | $3,802.25 |
| $5,193.97 | $5,542.32 |
 | $4,339.60 | $4,339.60 |
 | $5,583.30 | $5,583.30 |
| $3,278.22 | $3,517.12 |
| $2,818.01 | $2,882.80 |
As you can see, some companies have a bigger difference in rates by commute rate than others.
Even if you try to save money on insurance premiums by slashing your mileage by thousands each year, at best you’ll save 1-3%, on average. Driving recreationally, however, has some savings advantages. This is because business vehicles cost 11-12% more in premiums each month.
How does my coverage level and deductible affect my auto insurance rates in Louisville, Kentucky?
Deductibles, which are the minor fee you have to pay for your insurer to fulfill a claim on certain types of coverage, greatly influence your monthly premium. Low deductibles will raise your rates, while high deductibles will lower your monthly payment.
Our Auto Insurance Analysis
We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average.
The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Ready to buy Louisville, KY auto insurance? Get the cheapest Louisville, KY auto insurance rates by entering your ZIP code below.