Car Insurance for Louisville in 2022

Answer a few questions to compare personalized insurance matches.
KY-Louisville image

Drivers in Louisville pay an average of $2,548 per year for car insurance, but you might find cheaper coverage if you shop around.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

If you’re looking for cheap car insurance in Louisville, Kentucky, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Louisville — or anywhere.

To find the cheapest companies in Louisville, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Louisville driving a 2019 Toyota Camry L.

Read on to find out how auto insurance companies in Louisville stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in Louisville

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Louisville, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
State Farm$1,668
NerdWallet rating 

5.0

/5
USAA$1,674
NerdWallet rating 

4.0

/5
Kentucky Farm Bureau$1,836Not yet rated
Grange$1,936Not yet rated
Geico$1,941
NerdWallet rating 

4.5

/5
Nationwide$1,951
NerdWallet rating 

4.5

/5
State Auto$2,020Not yet rated
Encova$2,118Not yet rated
Shelter$2,272
NerdWallet rating 

4.0

/5
Electric Insurance$2,474Not yet rated
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Average car insurance cost in Louisville and Kentucky

Rates across Kentucky differ from those in Louisville for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Kentucky is $2,423, while in Louisville, it's $2,548.

Average city rate
Average state rate
$2,548$2,423

Average cost of car insurance in Louisville’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Louisville and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
40214$2,787
40216$2,739
40218$2,559
40219$2,673
40220$2,175
40229$2,377
40245$2,172
40272$2,549
40291$2,338
40299$2,154

Cheap car insurance in Louisville by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Louisville for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Louisville pay, on average.

Company
Rate
NerdWallet Rating
USAA$2,629
NerdWallet rating 

4.0

/5
State Farm$3,141
NerdWallet rating 

5.0

/5
Geico$3,322
NerdWallet rating 

4.5

/5
Grange$3,538Not yet rated
Nationwide$4,099
NerdWallet rating 

4.5

/5
Encova$4,545Not yet rated
Kentucky Farm Bureau$4,665Not yet rated
Shelter$4,856
NerdWallet rating 

4.0

/5
Electric Insurance$5,280Not yet rated
Encompass$5,318
NerdWallet rating 

3.5

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Louisville, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
State Farm$1,668
NerdWallet rating 

5.0

/5
USAA$1,674
NerdWallet rating 

4.0

/5
Kentucky Farm Bureau$1,836Not yet rated
Grange$1,936Not yet rated
Geico$1,941
NerdWallet rating 

4.5

/5
Nationwide$1,951
NerdWallet rating 

4.5

/5
State Auto$2,020Not yet rated
Encova$2,118Not yet rated
Shelter$2,272
NerdWallet rating 

4.0

/5
Electric Insurance$2,474Not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Louisville, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Kentucky Farm Bureau$1,502Not yet rated
USAA$1,514
NerdWallet rating 

4.0

/5
State Farm$1,528
NerdWallet rating 

5.0

/5
State Auto$1,630Not yet rated
Nationwide$1,680
NerdWallet rating 

4.5

/5
Grange$1,744Not yet rated
Encova$1,814Not yet rated
Geico$1,922
NerdWallet rating 

4.5

/5
Shelter$1,939
NerdWallet rating 

4.0

/5
Electric Insurance$2,043Not yet rated
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Louisville’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Louisville by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Louisville according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
State Farm$1,668
NerdWallet rating 

5.0

/5
USAA$1,674
NerdWallet rating 

4.0

/5
Kentucky Farm Bureau$1,836Not yet rated
Grange$1,936Not yet rated
Geico$1,941
NerdWallet rating 

4.5

/5
Nationwide$1,951
NerdWallet rating 

4.5

/5
State Auto$2,020Not yet rated
Encova$2,118Not yet rated
Shelter$2,272
NerdWallet rating 

4.0

/5
Electric Insurance$2,474Not yet rated

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Louisville according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
State Farm$2,241
NerdWallet rating 

5.0

/5
USAA$2,587
NerdWallet rating 

4.0

/5
Grange$2,919Not yet rated
Geico$3,183
NerdWallet rating 

4.5

/5
Progressive$3,498
NerdWallet rating 

5.0

/5
Nationwide$3,519
NerdWallet rating 

4.5

/5
Kentucky Farm Bureau$4,298Not yet rated
Electric Insurance$5,231Not yet rated
State Auto$5,347Not yet rated
Allstate$5,723
NerdWallet rating 

4.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Louisville, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
State Farm$1,968
NerdWallet rating 

5.0

/5
Kentucky Farm Bureau$2,458Not yet rated
Grange$2,564Not yet rated
Electric Insurance$2,605Not yet rated
Geico$2,641
NerdWallet rating 

4.5

/5
USAA$2,645
NerdWallet rating 

4.0

/5
Encova$2,659Not yet rated
Nationwide$2,786
NerdWallet rating 

4.5

/5
State Auto$3,147Not yet rated
Encompass$4,165
NerdWallet rating 

3.5

/5
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.