Cheap Car Insurance in Louisville, KY

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Louisville, KY

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Louisville drivers must contend with traffic congestion and seasonal weather challenges like icy roads and heavy rain. The combination of busy streets and changing conditions means reliable car insurance is a must-have for locals.

We’ve gathered the cheapest car insurance quotes that Jerry customers in Louisville have received to show how your age, driving history and location within the city can affect your rate.

Cheapest minimum coverage insurance in Louisville

Kentucky is a no-fault insurance state that requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $10,000 in personal injury protection, or PIP. Drivers may waive this coverage, but must reject it in writing.

These are the cheapest quotes that drivers in Louisville who opted for the minimum coverage received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$38 $453 Progressive 39 06/16/25 Louisville, KY 40223
$40 $480 Progressive 61 07/30/25 Louisville, KY 40204
$44 $531 Progressive 39 08/14/25 Louisville, KY 40220
$45 $540 Progressive 43 06/22/25 Louisville, KY 40299
$46 $546 Progressive 37 06/14/25 Louisville, KY 40245
$50 $596 Progressive 43 06/24/25 Louisville, KY 40217
$52 $626 Geico 42 09/14/25 Louisville, KY 40258
$53 $638 Safeco 41 09/10/25 Louisville, KY 40223
$53 $641 Progressive 35 09/10/25 Louisville, KY 40207
$56 $669 Progressive 41 07/07/25 Louisville, KY 40299
Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Louisville

The minimum required coverage may not be enough if you’re concerned about repairing your vehicle after an accident, regardless of who is at fault, or damage from a collision with an animal or hazardous weather. You’d need full coverage, which combines collision and comprehensive insurances, for those situations.

These are the cheapest full coverage quotes that drivers in Louisville received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$45 $540 Progressive 43 06/22/25 Louisville, KY 40299
$53 $641 Progressive 35 09/10/25 Louisville, KY 40207
$56 $668 Progressive 38 06/15/25 Louisville, KY 40223
$58 $695 Progressive 41 09/10/25 Louisville, KY 40223
$60 $721 Progressive 55 08/11/25 Louisville, KY 40228
$62 $743 Geico 58 10/13/25 Louisville, KY 40229
$75 $906 Progressive 44 06/26/25 Louisville, KY 40299
$77 $929 Progressive 37 06/14/25 Louisville, KY 40213
$96 $1,151 Progressive 38 06/15/25 Louisville, KY 40299
$96 $1,156 Progressive 39 06/16/25 Louisville, KY 40223
Last Updated Oct. 15, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Louisville (18-29 years old)

Young drivers typically pay higher premiums than older drivers because insurers view their limited time on the road as a risk. These are the cheapest quotes that young Louisville drivers have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$84 $1,004 Geico 27 No 06/19/25 Louisville, KY 40229
$95 $1,138 Progressive 25 No 10/02/25 Louisville, KY 40208
$98 $1,174 Geico 22 No 08/05/25 Louisville, KY 40118
$104 $1,252 ROOT 25 Yes 05/16/25 Louisville, KY 40299
$112 $1,348 National General 27 No 09/30/25 Louisville, KY 40291
$62 $743 Geico 58 10/13/25 Louisville, KY 40229
$75 $906 Progressive 44 06/26/25 Louisville, KY 40299
$77 $929 Progressive 37 06/14/25 Louisville, KY 40213
$96 $1,151 Progressive 38 06/15/25 Louisville, KY 40299
$96 $1,156 Progressive 39 06/16/25 Louisville, KY 40223
Last Updated Oct. 15, 2025

Cheapest car insurance for mature drivers in Louisville (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$38 $453 Progressive 39 No 06/16/25 Louisville, KY 40223
$44 $531 Progressive 39 No 08/14/25 Louisville, KY 40220
$45 $540 Progressive 43 Yes 06/22/25 Louisville, KY 40299
$50 $596 Progressive 43 No 06/24/25 Louisville, KY 40217
$52 $626 Geico 42 No 09/14/25 Louisville, KY 40258
$62 $743 Geico 58 10/13/25 Louisville, KY 40229
$75 $906 Progressive 44 06/26/25 Louisville, KY 40299
$77 $929 Progressive 37 06/14/25 Louisville, KY 40213
$96 $1,151 Progressive 38 06/15/25 Louisville, KY 40299
$96 $1,156 Progressive 39 06/16/25 Louisville, KY 40223
Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$60 $716 Geico 90 No 10/06/25 Louisville, KY 40291
$60 $721 Progressive 55 Yes 08/11/25 Louisville, KY 40228
$62 $743 Geico 58 Yes 10/13/25 Louisville, KY 40229
$66 $787 Geico 78 No 08/09/25 Louisville, KY 40299
$75 $906 Progressive 61 No 08/24/25 Louisville, KY 40204
$62 $743 Geico 58 10/13/25 Louisville, KY 40229
$75 $906 Progressive 44 06/26/25 Louisville, KY 40299
$77 $929 Progressive 37 06/14/25 Louisville, KY 40213
$96 $1,151 Progressive 38 06/15/25 Louisville, KY 40299
$96 $1,156 Progressive 39 06/16/25 Louisville, KY 40223
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with clean records in Louisville

Drivers with clean records often pay the lowest car insurance premiums. Here are the cheapest quotes that drivers with no claims or violations on their records have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$38 $453 Progressive 39 06/16/25 No Louisville, KY 40223
$44 $531 Progressive 39 08/14/25 No Louisville, KY 40220
$45 $540 Progressive 43 06/22/25 Yes Louisville, KY 40299
$50 $596 Progressive 43 06/24/25 No Louisville, KY 40217
$52 $626 Geico 42 09/14/25 No Louisville, KY 40258
$53 $638 Safeco 41 09/10/25 No Louisville, KY 40223
$53 $641 Progressive 35 09/10/25 Yes Louisville, KY 40207
$60 $714 Progressive 42 06/21/25 No Louisville, KY 40291
$60 $716 Geico 90 10/06/25 No Louisville, KY 40291
$60 $721 Progressive 55 08/11/25 Yes Louisville, KY 40228
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Louisville

Insurers may charge higher rates to drivers with low credit scores, which means you may have to do extra comparison shopping to find a cheap policy. These are the cheapest quotes that Louisville drivers with credit scores below 550 received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $41 $496 Progressive 48 05/25/25 Louisville, KY 40219
<550 $67 $809 Progressive 64 03/18/25 Louisville, KY 40214
<550 $84 $1,002 Progressive 53 06/01/24 Louisville, KY 40299
<550 $118 $1,411 Progressive 55 02/06/25 Louisville, KY 40272
<550 $134 $1,609 Progressive 54 06/11/25 Louisville, KY 40219
$53 $638 Safeco 41 Louisville, KY 40223
$53 $641 Progressive 35 Louisville, KY 40207
$60 $714 Progressive 42 Louisville, KY 40291
$60 $716 Geico 90 Louisville, KY 40291
$60 $721 Progressive 55 Louisville, KY 40228
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Louisville

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $49 $583 Progressive 27 No 02/25/25 Louisville, KY 40222
At Fault With No Injury $53 $635 Progressive 26 No 07/08/25 Louisville, KY 40291
At Fault With No Injury $67 $809 Progressive 64 No 03/18/25 Louisville, KY 40214
At Fault With No Injury $73 $871 Progressive 61 Yes 08/26/25 Louisville, KY 40299
At Fault With No Injury $89 $1,069 Progressive 31 No 06/27/25 Louisville, KY 40205
$53 $638 Safeco 41 No Louisville, KY 40223
$53 $641 Progressive 35 Yes Louisville, KY 40207
$60 $714 Progressive 42 No Louisville, KY 40291
$60 $716 Geico 90 No Louisville, KY 40291
$60 $721 Progressive 55 Yes Louisville, KY 40228
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with speeding tickets in Louisville

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding over 15 $128 $1,540 Progressive 37 08/18/25 Louisville, KY 40245
Speeding under 15 $169 $2,028 Progressive 42 09/22/25 Louisville, KY 40220
Speeding under 15 $183 $2,190 Dairyland 42 06/20/25 Louisville, KY 40118
Speeding under 15 $193 $2,321 Bristol West 32 10/01/25 Louisville, KY 40220
Speeding under 15 $297 $3,562 The General 44 09/27/25 Louisville, KY 40205
$53 $638 Safeco 41 09/10/25 Louisville, KY 40223
$53 $641 Progressive 35 09/10/25 Louisville, KY 40207
$60 $714 Progressive 42 06/21/25 Louisville, KY 40291
$60 $716 Geico 90 10/06/25 Louisville, KY 40291
$60 $721 Progressive 55 08/11/25 Louisville, KY 40228
Last Updated Oct. 14, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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