Louisville Car Insurance Cost – Cheapest Rates for 150+ Vehicles

• Average car insurance in Louisville costs $2,422 per year, or $202 per month for full coverage.
• Louisville auto insurance costs an average of $650 per year more than the Kentucky state average rate and $855 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 $187 per month, Toyota Camry at $199, and Hyundai Elantra at $228.
• Models like the Chevrolet Colorado ($1,992 per year), Mazda CX-5 ($1,842 per year), Honda Passport ($1,946 per year), and Subaru Impreza ($2,100 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 $2,422 per year, or approximately $202 per month. That’s 54.6% more expensive than the overall U.S. average rate of $1,567 per year.

The average cost of car insurance in Kentucky is $1,772 per year, so Louisville drivers pay an average of $650 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 $788 per year more expensive than in Lexington, $872 per year more expensive than in Owensboro, and $830 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 – $8,672 per year or $723 per month
• 17 year old – $8,100 per year or $675 per month
• 18 year old – $7,564 per year or $630 per month
• 19 year old – $6,840 per year or $570 per month
• 20 year old – $4,804 per year or $400 per month
• 30 year old – $2,550 per year or $213 per month
• 40 year old – $2,422 per year or $202 per month
• 50 year old – $2,202 per year or $184 per month
• 60 year old – $2,164 per year or $180 per month

The next chart shows average auto insurance rates in Louisville for 2022 model year vehicles not only by driver age, but also by policy deductibles.

The average cost of car insurance per month in Louisville is $202, with policy prices ranging from $153 to $464 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 2022 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 Mazda CX-5, Nissan Kicks, Buick Encore, and Nissan Rogue Sport. Average auto insurance prices for those crossover SUVs cost $2,018 or less per year to have full coverage.

Additional models that rank well in the comparison table below are the Kia Seltos, Volkswagen Tiguan, Acura RDX, and Subaru Ascent. 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 $2,102 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 Subaru Impreza, at $2,100 per year. Second place is the Chevrolet Spark at $2,110 per year, and in third place is the Volkswagen Golf, at an average of $2,328 per year.

Some other cars that rank well are the Kia K5, Toyota Camry, Toyota Corolla, and Honda Insight, with average rates of $2,384 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 $175 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 Subaru Impreza at $2,100 per year ($175 per month) and ending with the Chevrolet Malibu at $2,516 per year ($210 per month).

Popular vehicles in Louisville don’t necessarily have the most affordable rates. Some popular cars that did not rank in the top 20 include the Tesla Model 3 costing $2,546 per year ($212 per month), the Nissan Maxima costing $2,702 ($225 per month), and the Hyundai Sonata at an average of $2,760 ($230 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 Mazda CX-5 at $1,842 per year, Nissan Kicks at $1,890 per year, Chevrolet Trailblazer at $1,900 per year, and Honda Passport at $1,946 per year.

Other models that have affordable average insurance rates are the Buick Encore, Hyundai Venue, Toyota C-HR, and Nissan Rogue Sport, with average insurance cost of $2,060 per year or less.

Some additional vehicles worth mentioning include the Hyundai Kona, Subaru Forester, Toyota Corolla Cross, and Honda CR-V, which cost between $2,060 and $2,182 per year for full-coverage insurance.

Auto insurance in Louisville for this segment for an average middle-age driver will start around $154 per month, depending on your company and location. The next table ranks the SUVs with the lowest-cost insurance in Louisville, starting with the Mazda CX-5 at $154 per month and ending with the Ford Edge at $182 per month.

A few of the more popular non-luxury SUVs in Louisville that ranked out of the top 20 include the Hyundai Santa Fe costing an average of $2,528 per year ($211 per month), the Subaru Forester at $2,098 ($175 per month), and the Chevrolet Traverse at an average of $2,494 ($208 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 2022 models, the top five cheapest sports cars to insure in Louisville are the Mazda MX-5 Miata, Ford Mustang, BMW Z4, Subaru WRX, and Toyota GR86. Auto insurance rates for these models range from $2,100 to $2,824 per year.

Additional sports cars that rank well in our comparison are the BMW M3, Toyota GR Supra, Audi TT, and Chevrolet Corvette, with an average car insurance cost of $3,138 per year or less.

Some additional models that made the list include the BMW M4, Lexus LC 500, Porsche 911, Jaguar F-Type, and Mercedes-Benz AMG GT53, which cost between $3,138 and $3,992 per year for insurance in Louisville.

Full-coverage insurance in this segment starts at around $175 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 $175 per month and ending with the Lexus LC 500 at $333 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, Nissan Frontier, Ford Maverick, Ford Ranger, and Toyota Tacoma. Auto insurance prices for these vehicles average $2,308 or less per year.

Not the cheapest pickups to insure, but still affordable, are models like the Jeep Gladiator, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average annual insurance rates of $2,382 per year or less.

As a cost per month, auto insurance rates on this segment in Louisville for the average driver starts at around $166 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 $1,992 per year and ending with the GMC Sierra 3500 at $2,846 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 ILX, costing $2,230 per year. Second place is the Mercedes-Benz A220 at $2,382 per year, in third place is the BMW 330i, at an average of $2,560 per year, and the fourth cheapest is the Acura TLX, at an average of $2,574 per year.

Some other luxury cars that rank well are the Lexus RC 300, BMW 330e, BMW 230i, and BMW 228i, with average rates of $2,686 per year or less.

Some additional 2022 models worth mentioning include the Audi A3, Audi S3, Mercedes-Benz AMG CLA35, Genesis G70, and BMW i4, which average between $2,686 and $2,816 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 $186 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 ILX at $2,230 per year ($186 per month) and ending with the Audi S3 at $2,816 per year ($235 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 $2,076 per year. Second place is the Cadillac XT4 costing $2,128 per year, coming in third is the Volvo XC40, costing an average of $2,332 per year, and in fourth place is the Cadillac XT5, at an average of $2,382 per year.

Not the cheapest luxury SUVs to insure, but still affordable, are SUVs like the BMW X1, Lexus UX 250h, Lexus UX 200, and Lexus NX 350h, with an average car insurance cost of $2,476 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 $173 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 $2,076 per year ($173 per month) and ending with the Lincoln Corsair at $2,564 per year ($214 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 $952 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 $412 per year.
• Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially up to $3,374 per year for a 20-year-old driver and even $990 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.