Louisville Car Insurance Cost – Cheapest Rates for 150+ Vehicles

How much will auto insurance cost in Louisville, KY? We compare the cost to insure over 150 models to find the vehicles with cheapest car insurance rates.

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  • Average car insurance in Louisville costs $3,334 per year, or $278 per month for full coverage.
  • Louisville auto insurance costs an average of $734 per year more than the Kentucky state average rate and $1,113 per year more than the average rate for all 50 U.S. states.
  • Car insurance rates for a few popular models in Louisville include the Toyota Tacoma at $282 per month, Toyota Camry at $299, and Hyundai Elantra at $302.
  • Models like the Chevrolet Colorado ($2,940 per year), Subaru Crosstrek ($2,466 per year), Honda Passport ($2,658 per year), and Toyota GR Corolla ($2,898 per year) get the nod for cheap car insurance in Louisville.
  • Auto insurance quotes in Louisville can vary significantly from as little as $27 per month for minimum liability limits to well over $654 per month for drivers requiring high-risk coverage.

How much does Louisville car insurance cost?

Average car insurance rates in Louisville cost $3,334 per year, or approximately $278 per month. That’s 40.1% more expensive than the overall U.S. average rate of $2,221 per year.

The average cost of car insurance in Kentucky is $2,600 per year, so Louisville drivers pay an average of $734 more per year than the overall Kentucky state-wide average rate. The cost to insure a vehicle in Louisville compared to other Kentucky locations is approximately $804 per year more expensive than in Lexington, $896 per year more expensive than in Owensboro, and $848 per year more expensive than in Bowling Green.

Driver age is the single-largest factor that determines the cost of auto insurance. The list below details how driver age influences cost by breaking down average car insurance rates in Louisville for driver ages from 16 to 60.

Louisville car insurance cost by driver age

  • 16 year old – $11,884 per year or $990 per month
  • 17 year old – $11,510 per year or $959 per month
  • 18 year old – $10,318 per year or $860 per month
  • 19 year old – $9,397 per year or $783 per month
  • 20 year old – $6,714 per year or $560 per month
  • 30 year old – $3,560 per year or $297 per month
  • 40 year old – $3,334 per year or $278 per month
  • 50 year old – $2,960 per year or $247 per month
  • 60 year old – $2,770 per year or $231 per month

The next chart shows average auto insurance rates in Louisville for 2024 model year vehicles not only by driver age, but also by policy deductibles.

Average full-coverage car insurance premium in Louisville, KY for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Louisville, KY for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Louisville, KY Zip Codes.

Average Car Insurance Cost in Louisville, KY
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$5,680$473
$500$6,714$560
$250$7,808$651
30$1,000$2,984$249
$500$3,560$297
$250$4,160$347
40$1,000$2,804$234
$500$3,334$278
$250$3,886$324
50$1,000$2,502$209
$500$2,960$247
$250$3,436$286
60$1,000$2,342$195
$500$2,770$231
$250$3,216$268

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Louisville, KY Zip Codes. Updated June 27, 2025

The average cost of car insurance per month in Louisville is $278, with policy prices ranging from $195 to $651 for the data in the chart above.

Louisville car insurance rates can cost very different amounts for different drivers and are impacted by many factors. This wide range of possible rates emphasizes the need to get accurate auto insurance quotes when looking for a better price on car insurance in Louisville.

The rates referenced earlier in this article are the average cost across all 2024 model year vehicles, which is useful for making overall comparisons such as the average cost difference by driver age or location. For more useful auto insurance cost comparisons, however, the cost data will be more precise if we instead look at the specific vehicle being insured.

In the next few article sections, we compare lots of rates for many different specific vehicles, but for now, we will just use the more popular vehicles to see how car insurance prices compare in Louisville.

This next chart breaks down the cost of car insurance in Louisville for some of the more popular vehicles.

Average cost to insure popular 2024 model year vehicles in Louisville.
Figure 2: Average cost to insure popular 2024 model year vehicles in Louisville. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Louisville Zip Codes.

Louisville Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$2,466$206
Mazda CX-5$2,722$227
Honda CR-V$2,844$237
Honda HR-V$2,904$242
Honda Civic$2,954$246
Subaru Forester$2,968$247
Nissan Rogue$3,000$250
Ford Explorer$3,028$252
Toyota Highlander$3,036$253
Ford Escape$3,044$254
Toyota RAV4$3,076$256
Honda Accord$3,222$269
Honda Pilot$3,248$271
Toyota Corolla$3,250$271
Jeep Grand Cherokee$3,336$278
Toyota 4Runner$3,576$298
Toyota Camry$3,582$299
Hyundai Elantra$3,622$302
Ford Mustang$3,666$306
GMC Sierra$3,686$307
Chevrolet Silverado$3,690$308
Ford F150$3,734$311
Jeep Wrangler$3,810$318
Ram Truck$3,858$322
Chevrolet Corvette$4,620$385

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Louisville, KY Zip Codes. Updated June 27, 2025

Which cars have cheap insurance in Louisville?

When all makes and models are compared, the vehicles with the most affordable car insurance quotes in Louisville, KY, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota Corolla Cross, and Hyundai Venue. Average auto insurance prices for those crossover SUVs cost $2,710 or less per year to have full coverage.

Additional models that rank well in the comparison table below are the Acura RDX, Honda HR-V, Buick Encore, and Subaru Outback. Insurance rates are a little bit more for those models than the compact SUVs and crossovers that rank near the top, but they still have an average cost of $2,904 or less per year.

The following table breaks down the top 30 models with the cheapest car insurance rates in Louisville, ordered by cost.

Cheapest Auto Insurance Rates in Louisville
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,466$206
2Chevrolet Trailblazer$2,508$209
3Kia Soul$2,604$217
4Nissan Kicks$2,628$219
5Honda Passport$2,658$222
6Buick Envision$2,674$223
7Toyota Corolla Cross$2,690$224
8Hyundai Venue$2,710$226
9Mazda CX-5$2,722$227
10Ford Bronco Sport$2,734$228
11Volkswagen Tiguan$2,762$230
12Acura RDX$2,790$233
13Nissan Murano$2,804$234
14Buick Encore$2,834$236
15Subaru Outback$2,842$237
16Honda CR-V$2,844$237
17Buick Envista$2,852$238
18Volkswagen Taos$2,860$238
19Kia Niro$2,872$239
20Toyota GR Corolla$2,898$242
21Honda HR-V$2,904$242
22Subaru Ascent$2,904$242
23Nissan Leaf$2,922$244
24Chevrolet Colorado$2,940$245
25Lexus NX 250$2,952$246
26Honda Civic$2,954$246
27Volkswagen Atlas$2,958$247
28Acura Integra$2,966$247
29Subaru Forester$2,968$247
30Volkswagen Atlas Cross Sport$2,974$248

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisville, KY Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Louisville, KY with the Subaru Crosstrek ranking first at $2,466 per year
Top 30 cheapest vehicles to insure in Louisville, KY with the Subaru Crosstrek ranking first at $2,466 per year

The table above that contains 30 vehicle rankings serves the purpose if you just want the absolute lowest rates. Considering the fact that we rate over 700 vehicles, less than 4% of makes and models are shown in the table.

Let’s dig a little deeper into the data and reorganize the models with the cheapest rates in Louisville in a format that is more usable. The six sections below list the models with the cheapest insurance rates for each of the primary segments.

Cheapest car insurance rates in Louisville

Taking the top spot in Louisville for cheapest insurance in the non-luxury sedan segment is the Toyota GR Corolla, at $2,898 per year. Second place is the Nissan Leaf at $2,922 per year, and in third place is the Honda Civic, at an average of $2,954 per year.

Some other cars that rank well are the Honda Accord, Toyota Corolla, Chevrolet Malibu, and Toyota Prius, with average rates of $3,250 per year or less.

As a cost per month, full-coverage auto insurance in this segment for a middle-age safe driver can cost as low as $242 per month, depending on your location. The next table ranks the twenty cars with the lowest-cost car insurance rates in Louisville, starting with the Toyota GR Corolla at $2,898 per year ($242 per month) and ending with the Mazda 3 at $3,452 per year ($288 per month).

Cheapest Cars to Insure in Louisville
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,898$242
Nissan LeafCompact$2,922$244
Honda CivicCompact$2,954$246
Nissan SentraCompact$3,058$255
Subaru ImprezaCompact$3,068$256
Toyota PriusCompact$3,118$260
Kia K5Midsize$3,216$268
Honda AccordMidsize$3,222$269
Chevrolet MalibuMidsize$3,236$270
Toyota CorollaCompact$3,250$271
Kia ForteCompact$3,256$271
Volkswagen ArteonMidsize$3,280$273
Nissan VersaCompact$3,288$274
Subaru LegacyMidsize$3,294$275
Hyundai Ioniq 6Midsize$3,318$277
Mitsubishi Mirage G4Compact$3,366$281
Volkswagen JettaCompact$3,374$281
Toyota CrownMidsize$3,376$281
Hyundai SonataMidsize$3,382$282
Mazda 3Compact$3,452$288

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Louisville, KY, with the Toyota GR Corolla ranking first at $2,898 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Louisville, KY, with the Toyota GR Corolla ranking first at $2,898 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Louisville car insurance quotes from top-rated auto insurance companies in Kentucky.

Cheapest SUV insurance rates in Louisville

The four lowest-cost SUVs to insure in Louisville are the Subaru Crosstrek at $2,466 per year, Chevrolet Trailblazer at $2,508 per year, Kia Soul at $2,604 per year, and Nissan Kicks at $2,628 per year.

Other models that have affordable average insurance rates are the Toyota Corolla Cross, Mazda CX-5, Buick Envision, and Hyundai Venue, with average insurance cost of $2,734 per year or less.

Some additional vehicles worth mentioning include the Honda CR-V, Subaru Outback, Buick Encore, and Volkswagen Taos, which cost between $2,734 and $2,904 per year for full-coverage insurance.

Auto insurance in Louisville for this segment for an average middle-age driver will start around $206 per month, depending on your company and location. The next table ranks the SUVs with the lowest-cost insurance in Louisville, starting with the Subaru Crosstrek at $206 per month and ending with the Subaru Ascent at $242 per month.

Cheapest SUVs to Insure in Louisville
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,466$206
Chevrolet TrailblazerCompact$2,508$209
Kia SoulCompact$2,604$217
Nissan KicksCompact$2,628$219
Honda PassportMidsize$2,658$222
Buick EnvisionCompact$2,674$223
Toyota Corolla CrossCompact$2,690$224
Hyundai VenueCompact$2,710$226
Mazda CX-5Compact$2,722$227
Ford Bronco SportCompact$2,734$228
Volkswagen TiguanCompact$2,762$230
Nissan MuranoMidsize$2,804$234
Buick EncoreCompact$2,834$236
Subaru OutbackMidsize$2,842$237
Honda CR-VCompact$2,844$237
Buick EnvistaMidsize$2,852$238
Volkswagen TaosCompact$2,860$238
Kia NiroCompact$2,872$239
Honda HR-VCompact$2,904$242
Subaru AscentMidsize$2,904$242

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisville, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Louisville, KY, with the Subaru Crosstrek ranking first at $2,466 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Louisville, KY, with the Subaru Crosstrek ranking first at $2,466 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Kentucky.

Cheapest sports car insurance rates in Louisville

When comparing 2024 models, the top five cheapest sports cars to insure in Louisville are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Auto insurance rates for these models range from $3,088 to $3,744 per year.

Additional sports cars that rank well in our comparison are the Subaru BRZ, Toyota GR Supra, BMW M2, and Lexus RC F, with an average car insurance cost of $3,988 per year or less.

Some additional models that made the list include the Mercedes-Benz AMG GT53, Porsche Taycan, Jaguar F-Type, BMW M4, and Porsche 911, which cost between $3,988 and $5,652 per year for insurance in Louisville.

Full-coverage insurance in this segment starts at around $257 per month, depending on your company and location.

The table below ranks the sports cars with the most affordable average auto insurance rates in Louisville, starting with the Mazda MX-5 Miata at $257 per month and ending with the Porsche Taycan at $471 per month.

Cheapest Sports Cars to Insure in Louisville
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$3,088$257
Toyota GR86Sports Car$3,516$293
Ford MustangSports Car$3,666$306
BMW Z4Sports Car$3,688$307
Subaru WRXSports Car$3,744$312
Toyota GR SupraSports Car$3,750$313
BMW M2Sports Car$3,858$322
Nissan ZSports Car$3,868$322
Lexus RC FSports Car$3,944$329
Subaru BRZSports Car$3,988$332
BMW M3Sports Car$4,214$351
Porsche 718Sports Car$4,298$358
Chevrolet CamaroSports Car$4,336$361
Chevrolet CorvetteSports Car$4,620$385
Porsche 911Sports Car$4,780$398
BMW M4Sports Car$4,980$415
Lexus LC 500Sports Car$5,006$417
Jaguar F-TypeSports Car$5,266$439
Mercedes-Benz AMG GT53Sports Car$5,524$460
Porsche TaycanSports Car$5,652$471

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Louisville, KY, with the Mazda MX-5 Miata ranking first at $3,088 per year.
Ranking of the cheapest sports cars to insure in Louisville, KY, with the Mazda MX-5 Miata ranking first at $3,088 per year.

Need rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Kentucky.

Cheapest pickup insurance rates in Louisville

The top five models for the cheapest Louisville car insurance rates in the pickup truck segment are the Chevrolet Colorado, Ford Maverick, Nissan Titan, Nissan Frontier, and Ford Ranger. Auto insurance prices for these vehicles average $3,236 or less per year.

Not the cheapest pickups to insure, but still affordable, are models like the GMC Canyon, Honda Ridgeline, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average annual insurance rates of $3,434 per year or less.

As a cost per month, auto insurance rates on this segment in Louisville for the average driver starts at around $245 per month, depending on your location and insurance company. The table below ranks the twenty pickups with the cheapest average insurance rates in Louisville, starting with the Chevrolet Colorado at $2,940 per year and ending with the Ram Truck at $3,858 per year.

Cheapest Pickups to Insure in Louisville
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,940$245
Nissan TitanFull-size$3,122$260
Nissan FrontierMidsize$3,156$263
Ford RangerMidsize$3,188$266
Ford MaverickMidsize$3,236$270
Honda RidgelineMidsize$3,310$276
Hyundai Santa CruzMidsize$3,368$281
Toyota TacomaMidsize$3,378$282
GMC Sierra 2500 HDHeavy Duty$3,394$283
GMC CanyonMidsize$3,434$286
Jeep GladiatorMidsize$3,514$293
GMC Sierra 3500Heavy Duty$3,536$295
Chevrolet Silverado HD 3500Heavy Duty$3,566$297
Chevrolet Silverado HD 2500Heavy Duty$3,662$305
GMC SierraFull-size$3,686$307
Chevrolet SilveradoFull-size$3,690$308
Nissan Titan XDHeavy Duty$3,690$308
Ford F150Full-size$3,734$311
GMC Hummer EV PickupFull-size$3,826$319
Ram TruckFull-size$3,858$322

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisville, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Louisville, KY, with the Chevrolet Colorado ranking first at $2,940 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Louisville, KY, with the Chevrolet Colorado ranking first at $2,940 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup model? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Louisville car insurance quotes from top-rated auto insurance companies in Kentucky.

Cheapest luxury cars to insure in Louisville

The #1 ranking in Louisville for cheapest insurance in the luxury sedan segment is the Acura Integra, costing $2,966 per year. Second place is the BMW 330i at $3,396 per year, in third place is the Mercedes-Benz CLA250, at an average of $3,432 per year, and the fourth cheapest is the Lexus IS 300, at an average of $3,438 per year.

Some other luxury cars that rank well are the Mercedes-Benz AMG CLA35, Cadillac CT4, Genesis G70, and Lexus ES 350, with average rates of $3,506 per year or less.

Some additional 2024 models worth mentioning include the BMW 228i, Audi S3, Lexus ES 250, Cadillac CT5, and Lexus RC 350, which average between $3,506 and $3,740 per year for full-coverage insurance.

From a cost per month standpoint, full-coverage auto insurance on this segment in Louisville for the average driver will start around $247 per month, depending on the company and your location.

The rate comparison table below ranks the cars with the most affordable auto insurance rates in Louisville, starting with the Acura Integra at $2,966 per year ($247 per month) and ending with the Audi S3 at $3,740 per year ($312 per month).

Cheapest Luxury Cars to Insure in Louisville
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,966$247
BMW 330iCompact$3,396$283
Mercedes-Benz CLA250Midsize$3,432$286
Lexus IS 300Midsize$3,438$287
Acura TLXCompact$3,452$288
Cadillac CT4Compact$3,484$290
Lexus ES 350Midsize$3,484$290
Genesis G70Compact$3,492$291
Mercedes-Benz AMG CLA35Midsize$3,500$292
Lexus RC 300Midsize$3,506$292
Lexus IS 350Compact$3,522$294
Jaguar XFMidsize$3,530$294
Cadillac CT5Midsize$3,596$300
Lexus ES 250Midsize$3,608$301
Lexus RC 350Compact$3,620$302
BMW 330eCompact$3,624$302
BMW 228iCompact$3,630$303
BMW 230iCompact$3,658$305
Lexus ES 300hMidsize$3,664$305
Audi S3Compact$3,740$312

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisville, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Louisville, KY, with the Acura Integra ranking first at $2,966 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Louisville, KY, with the Acura Integra ranking first at $2,966 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Is your vehicle not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Louisville car insurance quotes from top-rated auto insurance companies in Kentucky.

Cheapest luxury SUV insurance rates in Louisville

Taking the top ranking in Louisville for cheapest insurance in the luxury SUV segment is the Acura RDX, with an average cost of $2,790 per year. Second place is the Lexus NX 250 costing $2,952 per year, coming in third is the Cadillac XT4, costing an average of $3,012 per year, and in fourth place is the Jaguar E-Pace, at an average of $3,120 per year.

Not the cheapest luxury SUVs to insure, but still affordable, are SUVs like the Lexus NX 350h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lincoln Corsair, with an average car insurance cost of $3,218 per year or less.

On a monthly basis, full-coverage car insurance in Louisville on this segment for a safe driver can cost as low as $233 per month, depending on your company and location. The rate comparison table below ranks the twenty SUVs with the most affordable auto insurance rates in Louisville, starting with the Acura RDX at $2,790 per year ($233 per month) and ending with the Lexus RX 350 at $3,350 per year ($279 per month).

Cheapest Luxury SUVs to Insure in Louisville
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,790$233
Lexus NX 250Compact$2,952$246
Cadillac XT4Compact$3,012$251
Jaguar E-PaceMidsize$3,120$260
Cadillac XT5Midsize$3,148$262
Lexus NX 350hCompact$3,148$262
Lincoln CorsairCompact$3,188$266
Mercedes-Benz GLB 250Compact$3,194$266
Lexus UX 250hCompact$3,200$267
Lexus NX 450hCompact$3,218$268
Infiniti QX50Midsize$3,242$270
Mercedes-Benz GLA250Compact$3,254$271
Mercedes-Benz GLA35 AMGCompact$3,264$272
Cadillac XT6Midsize$3,266$272
Infiniti QX60Midsize$3,282$274
Mercedes-Benz AMG GLB35Midsize$3,286$274
Land Rover EvoqueCompact$3,330$278
Acura MDXMidsize$3,336$278
Lexus NX 350Compact$3,346$279
Lexus RX 350Midsize$3,350$279

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Louisville, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Louisville, KY, with the Acura RDX ranking first at $2,790 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Louisville, KY, with the Acura RDX ranking first at $2,790 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Need rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Louisville car insurance quotes from top companies in Kentucky.

Helpful tips to save on car insurance

Shrewd drivers should always be thinking of ways to reduce the monthly expense for insurance So take a minute to review the money-saving ideas below and it’s very possible you can save a few bucks when buying auto insurance.

  • Choose a vehicle that is cheaper to insure. Vehicle type has a big impact on the cost of auto insurance. For example, a Subaru Impreza costs $1,552 less per year to insure in Louisville than a Chevrolet Corvette. Choose vehicles with less performance to save money.
  • If your vehicle is older, reduce coverage. Deleting comprehensive and collision coverage from vehicles that are older can reduce the cost of auto insurance substantially.
  • Avoid filing small claims. Most auto insurance companies give a discount if you have not filed any claims. Car insurance should be used in the case of significant financial loss, not nickel-and-dime type claims.
  • Lots of policy discounts equals cheaper auto insurance. Discounts may be available if the insured drivers insure their home and car with the same company, sign their policy early, are claim-free, choose electronic billing, or many other policy discounts which could save the average Louisville driver as much as $560 per year.
  • Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially up to $4,766 per year for a 20-year-old driver and even $1,390 per year for a 40-year-old driver. So drive safe and save!
  • Compare insurance cost before you buy the car. Different models, and even different trim levels of the same model, can have significantly different car insurance premiums, and insurance companies can sell policies with a wide range of prices. Check prices before you upgrade you car in order to avoid insurance sticker shock when buying coverage for your new car.
  • Shop around for better prices. Setting aside a few minutes before every renewal to get some free car insurance quotes could save a pile of cash. Rates change more often that you might think and switching companies is very easy to do.