Cheap Car Insurance in Louisville, KY

Written by Xuyun Zeng and 1 other
Updated Aug 2, 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
$30 $364 Progressive 42 June 21, 2025 Louisville, KY 40220
$35 $415 Progressive 42 June 20, 2025 Louisville, KY 40223
$36 $428 Progressive 51 July 23, 2025 Louisville, KY 40258
$42 $501 Progressive 68 February 13, 2025 Louisville, KY 40272
$42 $505 Progressive 23 May 29, 2025 Louisville, KY 40272
$44 $525 Progressive 64 March 4, 2025 Louisville, KY 40291
$48 $579 Progressive 67 May 23, 2025 Louisville, KY 40207
$49 $589 Progressive 39 June 18, 2025 Louisville, KY 40218
$53 $630 Progressive 77 April 8, 2025 Louisville, KY 40213
$53 $641 Progressive 51 June 16, 2025 Louisville, KY 40218
Last Updated July 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
$56 $668 Progressive 38 June 15, 2025 Louisville, KY 40223
$67 $798 Progressive 44 June 23, 2025 Louisville, KY 40206
$78 $938 Progressive 36 March 22, 2025 Louisville, KY 40206
$81 $974 Progressive 45 June 28, 2025 Louisville, KY 40206
$86 $1,037 Progressive 38 April 25, 2025 Louisville, KY 40229
$90 $1,077 Progressive 42 June 20, 2025 Louisville, KY 40222
$91 $1,095 Progressive 31 May 21, 2025 Louisville, KY 40272
$93 $1,116 Progressive 43 June 21, 2025 Louisville, KY 40217
$94 $1,131 Progressive 51 April 15, 2025 Louisville, KY 40213
$97 $1,168 Progressive 56 May 1, 2025 Louisville, KY 40215
Last Updated July 2025

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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
$59 $710 Safeco 24 No July 9, 2025 Louisville, KY 40241
$77 $928 Geico 27 No June 21, 2025 Louisville, KY 40203
$78 $938 Progressive 25 No July 1, 2025 Louisville, KY 40206
$80 $959 Progressive 29 No July 19, 2025 Louisville, KY 40217
$95 $1,144 Progressive 21 No May 15, 2025 Louisville, KY 40299
Last Updated July 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
$35 $415 Progressive 42 No June 20, 2025 Louisville, KY 40223
$36 $428 Progressive 51 No July 23, 2025 Louisville, KY 40258
$53 $641 Progressive 51 No June 16, 2025 Louisville, KY 40218
$55 $659 Geico 52 No June 27, 2025 Louisville, KY 40272
$59 $703 Progressive 37 No June 14, 2025 Louisville, KY 40299
Last Updated July 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
$42 $501 Progressive 68 No February 13, 2025 Louisville, KY 40272
$53 $630 Progressive 77 No April 8, 2025 Louisville, KY 40213
$72 $867 Bristol West 61 No February 17, 2025 Louisville, KY 40241
$97 $1,168 Progressive 56 Yes May 1, 2025 Louisville, KY 40215
$99 $1,190 Progressive 64 Yes March 4, 2025 Louisville, KY 40291
Last Updated July 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
$35 $415 Progressive 42 June 20, 2025 No Louisville, KY 40223
$36 $428 Progressive 51 July 23, 2025 No Louisville, KY 40258
$42 $501 Progressive 68 February 13, 2025 No Louisville, KY 40272
$53 $630 Progressive 77 April 8, 2025 No Louisville, KY 40213
$53 $641 Progressive 51 June 16, 2025 No Louisville, KY 40218
$55 $659 Geico 52 June 27, 2025 No Louisville, KY 40272
$59 $703 Progressive 37 June 14, 2025 No Louisville, KY 40299
$59 $710 Safeco 24 July 9, 2025 No Louisville, KY 40241
$64 $768 Progressive 46 June 27, 2025 No Louisville, KY 40223
$67 $798 Progressive 44 June 23, 2025 Yes Louisville, KY 40206
Last Updated July 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 $82 $988 Progressive 64 March 18, 2025 Louisville, KY 40214
<550 $84 $1,002 Progressive 53 June 1, 2024 Louisville, KY 40299
<550 $118 $1,411 Progressive 55 February 6, 2025 Louisville, KY 40272
<550 $134 $1,609 Progressive 54 June 11, 2025 Louisville, KY 40219
<550 $151 $1,815 Progressive 46 June 25, 2025 Louisville, KY 40229
Last Updated Aug. 3, 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 February 25, 2025 Louisville, KY 40222
At Fault With No Injury $55 $665 Progressive 37 No April 13, 2025 Louisville, KY 40229
At Fault With No Injury $58 $697 Progressive 26 No July 8, 2025 Louisville, KY 40291
At Fault With No Injury $74 $886 Progressive 27 No October 16, 2024 Louisville, KY 40299
At Fault With No Injury $82 $988 Progressive 64 No March 18, 2025 Louisville, KY 40214
Last Updated July 2025

Cheapest car insurance for drivers with speeding tickets in Louisville

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $117 $1,405 Progressive 29 January 11, 2025 Louisville, KY 40206
Speeding over 15 $168 $2,018 Progressive 28 October 1, 2024 Louisville, KY 40219
Speeding under 15 $180 $2,165 Progressive 51 July 27, 2024 Louisville, KY 40223
Speeding under 15 $238 $2,860 National General 40 October 14, 2024 Louisville, KY 40214
Speeding under 15 $262 $3,149 Progressive 50 April 6, 2025 Louisville, KY 40229
Last Updated July 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.

MEET 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 $85 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.