+120 more)
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Louisville drivers pay an average of $231 per month for car insurance. That’s more expensive than many other Kentucky cities because of Louisville’s dense population, traffic volume, and accident rates.[1] [2]
Despite these higher average rates, several companies offer affordable coverage. Progressive, National General, and Auto-Owners have some of the cheapest rates in the city, with prices starting as low as $121 per month.
We’ll explore the most affordable insurers for different Louisville drivers, how to choose the right company, and tips to help you save money on your car insurance.
Progressive offers the cheapest car insurance in Louisville, with an average monthly rate of $121.
Louisville drivers pay an average of $189 per month for liability insurance, while full coverage averages $273.
Kentucky requires drivers to have 25/50/25 in liability coverage, plus personal injury protection (PIP).[3]
Even with Louisville’s higher-than-average insurance rates, you can still find affordable coverage by comparing quotes from multiple insurance companies.
To get you started, the table below shows the cheapest car insurance companies in Louisville and their average monthly rates, according to our data.
Company  | Average Monthly Premium |
|---|---|
| Progressive | $121 |
| National General | $140 |
| Auto-Owners | $144 |
| State Farm | $150 |
| Direct Auto | $162 |
| GEICO | $169 |
| Safeco | $171 |
| USAA | $185 |
| Root | $197 |
| The General | $216 |
| Allstate | $218 |
| Trexis | $221 |
| State Auto | $222 |
| Dairyland | $228 |
| Liberty Mutual | $237 |
| Bristol West | $238 |
| Travelers | $241 |
| Trexis One | $269 |
Progressive stands out as the most affordable option in Louisville, with average rates of $121 per month.
Now let’s dive deeper into the cheapest companies for different types of drivers, including teens, seniors, and drivers with less-than-perfect records.
Get personalized quotes from top insurers in Kentucky.
The companies mentioned above provide a solid starting point, but your individual rates can vary significantly based on factors like your age, driving record, and address. That’s why you should compare rates from different insurers to find the best coverage for your needs.
Check out the table below for the cheapest car insurance companies for different drivers and coverage types, based on Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Progressive | $121 |
| Full coverage | Safeco | $234 |
| Teens | Progressive | $207 |
| Seniors | Progressive | $106 |
| Drivers with a speeding ticket | Progressive | $152 |
| Drivers with an at-fault accident | Progressive | $161 |
| Drivers with a DUI | Progressive | $153 |
| Drivers with excellent credit | Progressive | $105 |
| Drivers with poor credit | Progressive | $151 |
To help you find the most affordable coverage, we’ve broken down each driver and coverage type below.
Louisville drivers pay an average of $189 per month for minimum liability coverage, according to Compare.com data.
But most insurance experts recommend purchasing more than the required minimum coverage. Higher liability limits give you better protection if you cause a serious accident, especially since medical and vehicle repair costs can quickly exceed minimum coverage limits.
But if you need basic coverage that meets Kentucky’s minimum requirements, we’ve highlighted Louisville’s five cheapest companies below.
Company | Average Monthly Premium |
|---|---|
| Progressive | $121 |
| National General | $140 |
| Auto-Owners | $144 |
| State Farm | $150 |
| Direct Auto | $162 |
| GEICO | $169 |
| Safeco | $171 |
| USAA | $185 |
| Root | $197 |
| The General | $216 |
| Allstate | $218 |
| Trexis | $221 |
| State Auto | $222 |
| Dairyland | $228 |
| Liberty Mutual | $237 |
| Bristol West | $238 |
| Travelers | $241 |
| Trexis One | $269 |
Most drivers should consider full-coverage car insurance instead of a liability-only policy. Full-coverage policies include liability coverage, plus comprehensive and collision insurance. Comprehensive coverage protects your vehicle if it’s damaged in an accident, and collision insurance covers damage from things like theft, vandalism, and severe weather.
If you finance or lease your vehicle, your lender or leasing company usually requires you to purchase full-coverage insurance since it helps protect their investment until you pay off your loan.
Drivers in Louisville pay an average of $273 per month for full-coverage car insurance. But several insurers in Louisville offer full-coverage policies for close to the average liability-only price.
Check out the five cheapest insurers in Louisville for full-coverage car insurance in the chart below, according to our analysis.
Company | Average Monthly Premium |
|---|---|
| Safeco | $234 |
| National General | $238 |
| Progressive | $240 |
| Auto-Owners | $243 |
| Direct Auto | $247 |
| State Farm | $252 |
| CSAA | $263 |
| GEICO | $284 |
| Root | $305 |
| USAA | $310 |
| Liberty Mutual | $355 |
| Allstate | $368 |
| State Auto | $372 |
| Trexis | $375 |
| Travelers | $406 |
| Bristol West | $469 |
| Dairyland | $471 |
| The General | $478 |
| Trexis One | $497 |
Teens have some of the most expensive insurance rates of any age group. That’s because teen drivers are nearly three times as likely to be involved in a fatal crash compared to drivers 20 and older, according to the Centers for Disease Control and Prevention (CDC).[4]
Nationwide, the average teen dishes out nearly double what someone 20 or older pays for car insurance, according to our data.
On average, teen drivers in Louisville pay $396 per month for car insurance. Fortunately, you can still find a good deal if you’re a teen driver or have one on your policy.
The chart below shows the five cheapest insurers in Louisville for teens, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $207 |
| State Farm | $284 |
| Auto-Owners | $286 |
| GEICO | $297 |
| Direct Auto | $306 |
| USAA | $333 |
| Root | $333 |
| Safeco | $338 |
| The General | $376 |
| Trexis | $378 |
| Dairyland | $385 |
| Liberty Mutual | $403 |
| Bristol West | $410 |
| Allstate | $420 |
| Trexis One | $461 |
| Travelers | $490 |
| State Auto | $529 |
Seniors tend to have the cheapest rates of any age group. Older drivers typically have more driving experience and often drive less than younger drivers, which translates to lower risk and better rates.[5]
Louisville senior drivers pay an average of $201 per month for auto coverage, according to Compare.com data. But even with these already low average rates, you can likely find an even better deal.
Take a look at the five cheapest insurers in Louisville for senior drivers in the chart below.
Company | Average Monthly Premium |
|---|---|
| Progressive | $106 |
| Auto-Owners | $114 |
| State Farm | $119 |
| Direct Auto | $133 |
| GEICO | $135 |
| Safeco | $150 |
| USAA | $151 |
| Root | $166 |
| State Auto | $169 |
| Allstate | $178 |
| The General | $185 |
| Trexis | $193 |
| Travelers | $194 |
| Dairyland | $194 |
| Liberty Mutual | $198 |
| Bristol West | $200 |
| Trexis One | $235 |
Getting a speeding ticket can cause your insurance rates to increase the next time your policy renews. Insurance companies view tickets as a sign that you’re more likely to be involved in an accident, making you riskier to insure.
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide.
On average, Louisville drivers with a recent ticket pay $290 per month for car insurance. But several insurers offer significantly lower rates.
The chart below highlights the five cheapest insurers in Louisville for drivers with a recent ticket, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $152 |
| Auto-Owners | $188 |
| State Farm | $191 |
| Direct Auto | $204 |
| GEICO | $222 |
| Safeco | $225 |
| USAA | $240 |
| Root | $263 |
| Trexis | $278 |
| Allstate | $284 |
| Dairyland | $284 |
| The General | $290 |
| State Auto | $296 |
| Bristol West | $301 |
| Liberty Mutual | $302 |
| Travelers | $314 |
| Trexis One | $338 |
Causing an accident can substantially increase your rates because it signals to insurers that you’re more likely to file claims in the future. Insurance companies use your driving history to predict risk, and at-fault accidents are one of the strongest indicators of potential claims.
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Louisville drivers with a recent accident pay an average of $307 per month for car insurance. But you might find a better deal with one of the insurers below.
Company | Average Monthly Premium |
|---|---|
| Progressive | $161 |
| Auto-Owners | $191 |
| State Farm | $199 |
| Direct Auto | $221 |
| GEICO | $222 |
| Safeco | $239 |
| USAA | $249 |
| Root | $265 |
| Allstate | $293 |
| Trexis | $293 |
| The General | $298 |
| Dairyland | $302 |
| State Auto | $304 |
| Bristol West | $315 |
| Liberty Mutual | $316 |
| Travelers | $326 |
| Trexis One | $357 |
A DUI causes the sharpest increase in car insurance rates. Our research shows rates increase by an average of 59% nationwide after a DUI.
In addition to higher rates, getting a DUI can make it hard to find coverage at all. Some insurance companies may refuse to cover drivers with DUIs, while others might not renew your policy. But some insurers specialize in high-risk drivers, including people with DUIs.
Louisville drivers with a DUI pay a monthly average of $292 for car insurance. But you’re not necessarily stuck with these sky-high rates.
The following chart shows the five cheapest insurers in Louisville for drivers with DUIs, according to our data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $153 |
| Auto-Owners | $195 |
| State Farm | $203 |
| Direct Auto | $219 |
| GEICO | $227 |
| Safeco | $246 |
| USAA | $250 |
| Root | $269 |
| Trexis | $280 |
| The General | $281 |
| State Auto | $287 |
| Allstate | $295 |
| Dairyland | $309 |
| Liberty Mutual | $321 |
| Bristol West | $322 |
| Travelers | $326 |
| Trexis One | $340 |
Kentucky lets insurance companies look at your credit history when calculating your rates, but they can’t deny you coverage because of your credit.[6] Insurers use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims.
Research has shown a correlation between credit scores and insurance claims, which is why many insurers use this factor in their pricing.[7] Our research shows drivers with poor credit pay 40% more than drivers with excellent credit.
Louisville drivers with poor credit pay an average of $289 per month for auto insurance. But not all companies consider your credit history, and some offer highly affordable rates, regardless of your credit.
Check out the chart below for the five cheapest insurers in Louisville for drivers with poor credit, according to Compare.com research.
Company | Average Monthly Premium |
|---|---|
| Progressive | $151 |
| Direct Auto | $200 |
| GEICO | $208 |
| Safeco | $211 |
| Auto-Owners | $215 |
| State Farm | $216 |
| USAA | $227 |
| Root | $243 |
| The General | $266 |
| Allstate | $269 |
| State Auto | $275 |
| Trexis | $276 |
| Dairyland | $281 |
| Liberty Mutual | $284 |
| Bristol West | $293 |
| Travelers | $297 |
| Trexis One | $336 |
Find the cheapest auto coverage in Louisville.
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Like nearly every state, Kentucky requires all drivers to have car insurance. The minimum requirements you need to legally drive in Kentucky include:
$25,000 per person and $50,000 per accident of bodily injury liability insurance
$25,000 of property damage liability insurance
$10,000 of personal injury protection (PIP)
Most insurance experts recommend buying coverage above the state’s minimum limits. The minimum requirements might not fully cover damages, leaving you personally responsible for any costs that exceed your policy limits. For example, in a serious accident, medical bills alone can quickly exceed the state minimum of $25,000 per person.
If you finance or lease your car, your lender typically requires you to buy comprehensive and collision coverage to protect their investment until you pay off your loan.
We answered some common questions from drivers about car insurance in Louisville. Check them out below.
Louisville drivers pay an average of $189 per month for liability-only coverage and $273 per month for full coverage, according to Compare.com data.
It depends. Drivers in Louisville pay an average of $231 per month for car insurance, compared to the national average of $140. Louisville has higher rates than other parts of Kentucky because of its population density, traffic congestion, and accident rates.
Progressive offers the cheapest car insurance in Louisville, with average rates of $121 per month, according to Compare.com data. But your personal rates depend on several factors, including your age, address, and driving history.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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