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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $49 | $583 | Progressive | 27 | February 25, 2025 | Louisville, KY | 40222 |
| $63 | $751 | Progressive | 26 | March 14, 2025 | Louisville, KY | 40291 |
| $74 | $893 | Progressive | 47 | November 30, 2024 | Louisville, KY | 40216 |
| $77 | $929 | Progressive | 70 | December 29, 2024 | Louisville, KY | 40229 |
| $78 | $931 | Progressive | 63 | June 5, 2024 | Louisville, KY | 40118 |
| $80 | $959 | Progressive | 36 | April 16, 2025 | Louisville, KY | 40220 |
| $82 | $987 | Progressive | 50 | May 31, 2024 | Louisville, KY | 40218 |
| $86 | $1,032 | Progressive | 56 | September 7, 2024 | Louisville, KY | 40206 |
| $86 | $1,037 | Progressive | 56 | September 7, 2024 | Louisville, KY | 40258 |
| $90 | $1,077 | Progressive | 43 | January 1, 2025 | Louisville, KY | 40229 |
If you have a loan or lease on your vehicle, the lender will require
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $38 | $460 | Progressive | 66 | April 29, 2024 | Louisville, KY | 40291 |
| $73 | $882 | Progressive | 37 | March 21, 2025 | Louisville, KY | 40223 |
| $80 | $959 | Progressive | 36 | April 16, 2025 | Louisville, KY | 40220 |
| $86 | $1,032 | Progressive | 56 | September 7, 2024 | Louisville, KY | 40206 |
| $93 | $1,119 | Progressive | 46 | November 23, 2024 | Louisville, KY | 40219 |
| $96 | $1,146 | Safeco | 65 | April 9, 2025 | Louisville, KY | 40204 |
| $98 | $1,174 | Progressive | 53 | February 20, 2024 | Louisville, KY | 40228 |
| $104 | $1,250 | Progressive | 25 | February 2, 2025 | Louisville, KY | 40229 |
| $113 | $1,351 | Progressive | 75 | April 15, 2024 | Louisville, KY | 40245 |
| $117 | $1,407 | Progressive | 45 | September 21, 2024 | Louisville, KY | 40217 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $583 | Progressive | 27 | No | February 25, 2025 | Louisville, KY | 40222 |
| $63 | $751 | Progressive | 26 | No | March 14, 2025 | Louisville, KY | 40291 |
| $104 | $1,250 | Progressive | 25 | Yes | February 2, 2025 | Louisville, KY | 40229 |
| $112 | $1,347 | Progressive | 28 | No | April 19, 2025 | Louisville, KY | 40245 |
| $115 | $1,377 | Progressive | 29 | No | April 3, 2025 | Louisville, KY | 40208 |
Cheapest car insurance for mature drivers in Louisville (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $73 | $882 | Progressive | 37 | Yes | March 21, 2025 | Louisville, KY | 40223 |
| $74 | $893 | Progressive | 47 | No | November 30, 2024 | Louisville, KY | 40216 |
| $80 | $959 | Progressive | 36 | Yes | April 16, 2025 | Louisville, KY | 40220 |
| $82 | $987 | Progressive | 50 | No | May 31, 2024 | Louisville, KY | 40218 |
| $90 | $1,077 | Progressive | 43 | No | January 1, 2025 | Louisville, KY | 40229 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $460 | Progressive | 66 | Yes | April 29, 2024 | Louisville, KY | 40291 |
| $77 | $929 | Progressive | 70 | No | December 29, 2024 | Louisville, KY | 40229 |
| $78 | $931 | Progressive | 63 | No | June 5, 2024 | Louisville, KY | 40118 |
| $86 | $1,032 | Progressive | 56 | Yes | September 7, 2024 | Louisville, KY | 40206 |
| $86 | $1,037 | Progressive | 56 | No | September 7, 2024 | Louisville, KY | 40258 |
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 Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $460 | Progressive | 66 | April 29, 2024 | Yes | Louisville, KY | 40291 |
| $73 | $882 | Progressive | 37 | March 21, 2025 | Yes | Louisville, KY | 40223 |
| $74 | $893 | Progressive | 47 | November 30, 2024 | No | Louisville, KY | 40216 |
| $77 | $929 | Progressive | 70 | December 29, 2024 | No | Louisville, KY | 40229 |
| $78 | $931 | Progressive | 63 | June 5, 2024 | No | Louisville, KY | 40118 |
| $80 | $959 | Progressive | 36 | April 16, 2025 | Yes | Louisville, KY | 40220 |
| $86 | $1,037 | Progressive | 56 | September 7, 2024 | No | Louisville, KY | 40258 |
| $90 | $1,077 | Progressive | 43 | January 1, 2025 | No | Louisville, KY | 40229 |
| $90 | $1,080 | Progressive | 54 | December 23, 2024 | No | Louisville, KY | 40291 |
| $93 | $1,119 | Progressive | 46 | November 23, 2024 | Yes | Louisville, KY | 40219 |
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 | $102 | $1,222 | Progressive | 37 | November 15, 2023 | Louisville, KY | 40214 |
| <550 | $117 | $1,407 | Progressive | 45 | September 21, 2024 | Louisville, KY | 40217 |
| <550 | $118 | $1,411 | Progressive | 55 | February 6, 2025 | Louisville, KY | 40272 |
| <550 | $124 | $1,493 | Progressive | 33 | January 8, 2024 | Louisville, KY | 40202 |
| <550 | $164 | $1,969 | Root | 62 | May 7, 2025 | Louisville, KY | 40216 |
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 | $63 | $751 | Progressive | 26 | No | March 14, 2025 | Louisville, KY | 40291 |
| At Fault With No Injury | $98 | $1,174 | Progressive | 53 | Yes | February 20, 2024 | Louisville, KY | 40228 |
| At Fault With No Injury | $102 | $1,222 | Progressive | 37 | No | November 15, 2023 | Louisville, KY | 40214 |
| At Fault With No Injury | $141 | $1,689 | Progressive | 77 | Yes | December 5, 2024 | Louisville, KY | 40210 |
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 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 | $326 | $3,913 | Bristol West | 44 | June 29, 2024 | Louisville, KY | 40220 |
| Speeding over 15 | $348 | $4,173 | Clearcover | 37 | March 21, 2025 | Louisville, KY | 40245 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
