Cheapest Auto Insurance Quotes in Louisville, Kentucky
Farm Bureau has the cheapest full coverage car insurance in Louisville, at $157 per month, on average.
Compare Car Insurance Rates in Louisville, KY
Best cheap car insurance in Louisville, KY
How we chose the top companies
Best and cheapest car insurance in Kentucky
- Cheapest full coverage: Farm Bureau, $157/mo
- Cheapest minimum liability: Farm Bureau, $62/mo
- Cheapest for young drivers: Farm Bureau, $172/mo
- Cheapest after a ticket: Farm Bureau, $157/mo
- Cheapest after an accident: Farm Bureau, $157/mo
- Cheapest for teens after a ticket: Farm Bureau, $172/mo
- Cheapest after a DUI: Travelers, $252/mo
- Cheapest for poor credit: Travelers, $337/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau has the cheapest auto insurance for most people in Louisville, Kentucky. But, you need to go through an agent to get a quote.
Travelers has the most affordable car insurance for Louisville drivers who have a DUI or poor credit. But, Travelers has a middle of the road customer service reputation, which means you may have a more difficult time when you file a claim.
Cheapest auto insurance in Louisville: Farm Bureau
Farm Bureau has the most affordable full coverage car insurance in Louisville, KY.
The company charges $157 per month, on average. That's roughly 29% cheaper than the Louisville average.
State Farm also has cheap coverage, at $162 per month, on average.
Find Cheap Auto Insurance Quotes in Louisville
USAA has affordable rates and quality service. However, you can only get a USAA policy if you or an immediate family member are a current or former member of the military.
Cheapest full coverage car insurance in Louisville
Company | Monthly rate | ||
|---|---|---|---|
| Farm Bureau | $157 | |
| State Farm | $162 | |
| Travelers | $165 | |
| Auto-Owners | $181 | |
| Shelter | $219 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in Louisville: Farm Bureau
Farm Bureau has the cheapest minimum liability car insurance in Louisville.
An average minimum coverage policy from Farm Bureau costs $62 per month in Louisville. That's 39% cheaper than the city average, $101 per month.
State Farm also offers affordable coverage, at less than a dollar per month more than Farm Bureau for the same level of coverage.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Farm Bureau | $62 |
| State Farm | $62 |
| Travelers | $80 |
| Auto-Owners | $91 |
| Progressive | $111 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Louisville
Cheapest car insurance for teens in Louisville: Farm Bureau
Farm Bureau has the cheapest coverage for teen drivers in Louisville, KY.
A full coverage Farm Bureau policy for teens costs an average of $431 per month, which is 40% cheaper than the Louisville average, $724 per month.
For liability only coverage, Farm Bureau charges teen drivers an average of $172 per month — that's half the city average, $346 per month.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $172 | $431 |
| State Farm | $212 | $449 |
| Travelers | $217 | $438 |
| Shelter | $305 | $544 |
| Auto-Owners | $312 | $570 |
*USAA is only available to current and former military members and their families.
Many companies offer special discounts for teen drivers that help offset their high rates. Common examples include good student discounts and student away from home discounts.
Cheapest coverage in Louisville after a speeding ticket: Farm Bureau
Farm Bureau has the most affordable coverage for Louisville residents who have a speeding ticket on their record. The company charges an average of $157 per month. That's 40% cheaper than the city average, $262 per month.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Farm Bureau | $157 |
| State Farm | $171 |
| Auto-Owners | $184 |
| Travelers | $215 |
| Shelter | $252 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Louisville after an accident: Farm Bureau
Farm Bureau has the cheapest car insurance in Louisville for drivers who've had an at-fault accident, at $157 per month, on average. That's less than half the citywide average, $355 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $157 |
| State Farm | $183 |
| Travelers | $237 |
| Auto-Owners | $253 |
| Shelter | $284 |
*USAA is only available to current and former military members and their families.
After an at-fault car crash, your auto insurance rates will usually increase at your next policy renewal. It's a good idea to shop around to get the best rates after an accident.
Cheapest quotes for teens after a ticket: Farm Bureau
Farm Bureau has the cheapest auto insurance for teens who have a ticket or have been in an accident.
The company charges $172 per month, on average, for teens who've gotten a ticket and $209 per month, on average, for teens with an accident on their record. That's roughly 60% cheaper than the Louisville average for either scenario — $405 and $512, respectively.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $172 | $209 |
| State Farm | $231 | $254 |
| Travelers | $279 | $316 |
| Auto-Owners | $312 | $446 |
| Shelter | $360 | $411 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for Louisville drivers with a DUI: Travelers
Travelers has the cheapest auto coverage for drivers in Louisville who have a DUI on their record, at $252 per month, on average. That's 38% cheaper than the citywide average of $405 per month.
Cheapest Louisville car insurance after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $252 |
| Shelter | $328 |
| State Farm | $335 |
| Progressive | $352 |
| Farm Bureau | $370 |
*USAA is only available to current and former military members and their families.
In Louisville, a DUI will raise your insurance costs by $185 per month, on average.
Kentucky has serious penalties for those found drinking under the influence. A first offense in a 10 year period will result in a six month license suspension and a 90 day alcohol or substance abuse program. You may be able to reduce the length of your license suspension if you opt into the Kentucky ignition interlock program.
Cheapest auto insurance for Louisville drivers with poor credit: Travelers
Travelers has the most affordable car insurance in Louisville for drivers who have poor credit. A full coverage policy costs $337 per month, which is 36% cheaper than the Louisville average, $524 per month.
Cheap car insurance in Louisville for drivers with poor credit
Company | Monthly rate |
|---|---|
| Travelers | $337 |
| Progressive | $439 |
| Geico | $441 |
| Farm Bureau | $481 |
| Auto-Owners | $521 |
*USAA is only available to current and former military members and their families.
Louisville drivers with poor credit pay more than twice as much for car insurance as drivers with good credit. That's because car insurance companies believe your credit score can predict the likelihood that you'll file a claim in the future.
Average cost of Louisville auto insurance by neighborhood
Where you live in Louisville factors into the cost you pay for auto insurance. Auto insurance companies use your ZIP code when setting rates because certain areas get more claims than other places. If your neighborhood has higher (or lower) than average rates of vandalism, traffic or theft, that will influence the cost of your car insurance.
Auto insurance in Louisville costs the most in the Portland and Shawnee neighborhoods , located in the northwest corner of the city. You can find the cheapest coverage in Anchorage, KY, a suburb to the east of Louisville.
Full coverage quotes by Louisville ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 40059 | $189 | -15% |
| 40202 | $257 | 16% |
| 40203 | $272 | 22% |
| 40204 | $230 | 3% |
| 40205 | $188 | -15% |
Frequently asked questions
What's the cheapest car insurance in Louisville, KY?
Farm Bureau has the cheapest car insurance in Louisville for most people. A full coverage policy costs $157 per month, on average.
What's the best car insurance in Louisville?
Farm Bureau has the best car insurance in Louisville for most people. The company has a strong 4.5-out-of-5 star rating from ValuePenguin editors and a high customer satisfaction score according to a recent J.D. Power study.
USAA also has a strong reputation for customer satisfaction, but you can only get USAA coverage if you or an immediate family member are a current or former member of the military.
How much is car insurance in Louisville?
Car insurance in Louisville costs $220 per month, on average, for a full coverage policy. That's $22 per month more expensive than the Kentucky state average of $198 per month.
Methodology
To find the best cheap car insurance in Louisville, KY, ValuePenguin collected quotes from nine of the most popular insurance companies in Kentucky. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for Kentucky.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $10,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.