Louisville Car Insurance Cost – Cheapest Rates for 150+ Vehicles

• Average car insurance in Louisville costs $2,674 per year, or $223 per month for full coverage.
• Louisville auto insurance costs an average of $746 per year more than the Kentucky state average rate and $946 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 $204 per month, Toyota Camry at $212, and Hyundai Elantra at $244.
• Models like the Ford Maverick ($2,222 per year), Chevrolet Trailblazer ($2,022 per year), Honda Passport ($2,078 per year), and Subaru Impreza ($2,212 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 $2,674 per year, or approximately $223 per month. That’s 43% more expensive than the overall U.S. average rate of $1,728 per year.

The average cost of car insurance in Kentucky is $1,928 per year, so Louisville drivers pay an average of $746 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 $814 per year more expensive than in Lexington, $910 per year more expensive than in Owensboro, and $862 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 – $9,580 per year or $798 per month
• 17 year old – $8,958 per year or $747 per month
• 18 year old – $8,370 per year or $698 per month
• 19 year old – $7,574 per year or $631 per month
• 20 year old – $5,322 per year or $444 per month
• 30 year old – $2,818 per year or $235 per month
• 40 year old – $2,674 per year or $223 per month
• 50 year old – $2,434 per year or $203 per month
• 60 year old – $2,392 per year or $199 per month

The next chart shows average auto insurance rates in Louisville for 2023 model year vehicles not only by driver age, but also by policy deductibles.

The average cost of car insurance per month in Louisville is $223, with policy prices ranging from $169 to $515 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 2023 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 Chevrolet Trailblazer, Subaru Crosstrek, Buick Encore, and Buick Envision. Average auto insurance prices for those crossover SUVs cost $2,136 or less per year to have full coverage.

Additional models that rank well in the comparison table below are the Subaru Impreza, Honda CR-V, Honda HR-V, and Acura RDX. 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 $2,266 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 $2,212 per year. Second place is the Volkswagen Jetta at $2,442 per year, and in third place is the Subaru Legacy, at an average of $2,460 per year.

Some other cars that rank well are the Toyota Camry, Kia K5, Mazda 3, and Volkswagen Golf, with average rates of $2,582 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 $184 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 $2,212 per year ($184 per month) and ending with the Volkswagen Arteon at $2,806 per year ($234 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 Chevrolet Trailblazer at $2,022 per year, Subaru Crosstrek at $2,042 per year, Nissan Kicks at $2,048 per year, and Honda Passport at $2,078 per year.

Other models that have affordable average insurance rates are the Buick Encore, Kia Seltos, Mazda CX-5, and Buick Envision, with average insurance cost of $2,176 per year or less.

Some additional vehicles worth mentioning include the Subaru Forester, Ford Edge, Hyundai Kona, and Mazda CX-30, which cost between $2,176 and $2,296 per year for full-coverage insurance.

Auto insurance in Louisville for this segment for an average middle-age driver will start around $169 per month, depending on your company and location. The next table ranks the SUVs with the lowest-cost insurance in Louisville, starting with the Chevrolet Trailblazer at $169 per month and ending with the Chevrolet Trax at $191 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 2023 models, the top five cheapest sports cars to insure in Louisville are the Mazda MX-5 Miata, Audi TT, Ford Mustang, BMW Z4, and Subaru WRX. Auto insurance rates for these models range from $2,470 to $2,952 per year.

Additional sports cars that rank well in our comparison are the Subaru BRZ, Nissan Z, Toyota GR Supra, and BMW M2, with an average car insurance cost of $3,226 per year or less.

Some additional models that made the list include the BMW M4, Lexus LC 500, Porsche Taycan, Mercedes-Benz AMG GT53, and Chevrolet Camaro, which cost between $3,226 and $4,022 per year for insurance in Louisville.

Full-coverage insurance in this segment starts at around $206 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 $206 per month and ending with the Lexus LC 500 at $335 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 Ford Maverick, GMC Canyon, Chevrolet Colorado, Nissan Frontier, and Ford Ranger. Auto insurance prices for these vehicles average $2,430 or less per year.

Not the cheapest pickups to insure, but still affordable, are models like the Ford F150, Toyota Tacoma, Hyundai Santa Cruz, and Honda Ridgeline, with average annual insurance rates of $2,718 per year or less.

As a cost per month, auto insurance rates on this segment in Louisville for the average driver starts at around $185 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 Ford Maverick at $2,222 per year and ending with the Nissan Titan XD at $2,988 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 $2,400 per year. Second place is the BMW 330i at $2,714 per year, in third place is the Acura TLX, at an average of $2,758 per year, and the fourth cheapest is the Cadillac CT4, at an average of $2,792 per year.

Some other luxury cars that rank well are the Lexus ES 250, Cadillac CT5, BMW 330e, and Lexus ES 350, with average rates of $2,910 per year or less.

Some additional 2023 models worth mentioning include the Lexus RC 350, Volvo S60, BMW 230i, Audi A3, and Mercedes-Benz C300, which average between $2,910 and $2,988 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 $200 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 $2,400 per year ($200 per month) and ending with the Volvo S60 at $2,988 per year ($249 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 $2,232 per year. Second place is the Lexus RX 350 costing $2,394 per year, coming in third is the Cadillac XT4, costing an average of $2,410 per year, and in fourth place is the Volvo XC40, at an average of $2,462 per year.

Not the cheapest luxury SUVs to insure, but still affordable, are SUVs like the Lexus UX 250h, Mercedes-Benz GLA250, Mercedes-Benz GLB 250, and Cadillac XT5, with an average car insurance cost of $2,600 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 $186 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 $2,232 per year ($186 per month) and ending with the Mercedes-Benz GLC300 at $2,724 per year ($227 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 $1,086 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 $454 per year.
• Safer drivers pay lower rates. Causing frequent accidents will increase insurance cost, potentially up to $3,746 per year for a 20-year-old driver and even $1,098 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.