Louisville Car Insurance Cost – Cheapest Rates for 150+ Vehicles

• Average car insurance in Louisville costs $3,380 per year, or $282 per month for full coverage.
• Louisville auto insurance costs an average of $736 per year more than the Kentucky state average rate and $1,104 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 $285 per month, Toyota Camry at $303, and Hyundai Elantra at $306.
• Models like the Chevrolet Colorado ($2,976 per year), Subaru Crosstrek ($2,496 per year), Honda Passport ($2,694 per year), and Toyota GR Corolla ($2,936 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 $3,380 per year, or approximately $282 per month. That’s 39% more expensive than the overall U.S. average rate of $2,276 per year.

The average cost of car insurance in Kentucky is $2,644 per year, so Louisville drivers pay an average of $736 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 $808 per year more expensive than in Lexington, $900 per year more expensive than in Owensboro, and $850 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 – $12,040 per year or $1,003 per month
• 17 year old – $11,664 per year or $972 per month
• 18 year old – $10,453 per year or $871 per month
• 19 year old – $9,521 per year or $793 per month
• 20 year old – $6,800 per year or $567 per month
• 30 year old – $3,608 per year or $301 per month
• 40 year old – $3,380 per year or $282 per month
• 50 year old – $2,996 per year or $250 per month
• 60 year old – $2,804 per year or $234 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.

The average cost of car insurance per month in Louisville is $282, with policy prices ranging from $198 to $659 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 cost to insure Louisville drivers’ favorite vehicles

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.

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 $2,746 or less per year to have full coverage.

Additional models that rank well in the comparison table below are the Acura RDX, Toyota GR Corolla, Buick Encore, and Honda CR-V. 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 $2,936 or less per year.

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

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 $2,936 per year. Second place is the Nissan Leaf at $2,962 per year, and in third place is the Honda Civic, at an average of $2,992 per year.

Some other cars that rank well are the Honda Accord, Toyota Corolla, Chevrolet Malibu, and Toyota Prius, with average rates of $3,292 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 $245 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 $2,936 per year ($245 per month) and ending with the Mazda 3 at $3,498 per year ($292 per month).

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 $2,496 per year, Chevrolet Trailblazer at $2,538 per year, Kia Soul at $2,636 per year, and Nissan Kicks at $2,660 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 $2,766 per year or less.

Some additional vehicles worth mentioning include the Subaru Outback, Honda CR-V, Buick Encore, and Volkswagen Taos, which cost between $2,766 and $2,942 per year for full-coverage insurance.

Auto insurance in Louisville for this segment for an average middle-age driver will start around $208 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 $208 per month and ending with the Subaru Ascent at $245 per month.

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 $3,126 to $3,792 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 $4,042 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 $4,042 and $5,728 per year for insurance in Louisville.

Full-coverage insurance in this segment starts at around $261 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 $261 per month and ending with the Porsche Taycan at $477 per month.

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 $3,278 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 $3,478 per year or less.

As a cost per month, auto insurance rates on this segment in Louisville for the average driver starts at around $248 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 $2,976 per year and ending with the Ram Truck at $3,908 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 $3,004 per year. Second place is the BMW 330i at $3,440 per year, in third place is the Mercedes-Benz CLA250, at an average of $3,478 per year, and the fourth cheapest is the Lexus IS 300, at an average of $3,484 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 $3,552 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 $3,552 and $3,788 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 $250 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 $3,004 per year ($250 per month) and ending with the Audi S3 at $3,788 per year ($316 per month).

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 $2,826 per year. Second place is the Lexus NX 250 costing $2,992 per year, coming in third is the Cadillac XT4, costing an average of $3,052 per year, and in fourth place is the Jaguar E-Pace, at an average of $3,160 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 $3,260 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 $236 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 $2,826 per year ($236 per month) and ending with the Lexus RX 350 at $3,390 per year ($283 per month).

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 $1,574 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 $572 per year.
• Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially up to $4,826 per year for a 20-year-old driver and even $1,406 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.