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 $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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Louisville car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Louisville zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in Louisville, KY
Average Car Insurance Cost in Louisville, KY
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$4,508$376
$500$5,322$444
$250$6,184$515
30$1,000$2,362$197
$500$2,818$235
$250$3,294$275
40$1,000$2,258$188
$500$2,674$223
$250$3,112$259
50$1,000$2,058$172
$500$2,434$203
$250$2,826$236
60$1,000$2,022$169
$500$2,392$199
$250$2,776$231

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 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Louisville car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Louisville Zip Codes.Data last updated on August 12, 2023
Louisville Car Insurance Rates for Popular Vehicles
Louisville Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$2,042$170
Mazda CX-5$2,102$175
Honda HR-V$2,222$185
Subaru Forester$2,256$188
Honda CR-V$2,266$189
Ford Explorer$2,276$190
Ford Escape$2,454$205
Nissan Rogue$2,460$205
Toyota RAV4$2,476$206
Toyota 4Runner$2,502$209
Toyota Corolla$2,510$209
Toyota Camry$2,542$212
Honda Pilot$2,572$214
Honda Civic$2,618$218
Toyota Highlander$2,670$223
Honda Accord$2,704$225
Ford F150$2,718$227
Jeep Grand Cherokee$2,844$237
Ford Mustang$2,900$242
GMC Sierra$2,920$243
Hyundai Elantra$2,922$244
Ram Truck$2,922$244
Chevrolet Silverado$2,928$244
Jeep Wrangler$2,960$247
Chevrolet Corvette$3,298$275

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.

Cheapest Auto Insurance Rates in Louisville
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$2,022$169
2Subaru Crosstrek$2,042$170
3Nissan Kicks$2,048$171
4Honda Passport$2,078$173
5Nissan Rogue Sport$2,084$174
6Mazda CX-5$2,102$175
7Buick Encore$2,130$178
8Buick Envision$2,136$178
9Kia Seltos$2,166$181
10Subaru Ascent$2,176$181
11Hyundai Venue$2,182$182
12Subaru Impreza$2,212$184
13Ford Maverick$2,222$185
14Honda HR-V$2,222$185
15Chevrolet Colorado$2,226$186
16Acura RDX$2,232$186
17Hyundai Kona$2,242$187
18Subaru Forester$2,256$188
19Ford Edge$2,266$189
20Honda CR-V$2,266$189
21Mazda CX-30$2,274$190
22Ford Explorer$2,276$190
23Volkswagen Atlas$2,284$190
24Nissan Murano$2,294$191
25Chevrolet Trax$2,296$191
26Subaru Outback$2,302$192
27Nissan Frontier$2,310$193
28Volkswagen Tiguan$2,322$194
29Ford Bronco Sport$2,328$194
30Fiat 500X$2,372$198

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisville, KY.Data last updated on August 11, 2023
    Cheapest Auto Insurance Rates in Louisville

    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).

    Cheapest Cars to Insure in Louisville
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$2,212$184
    Volkswagen JettaCompact$2,442$204
    Subaru LegacyMidsize$2,460$205
    Nissan SentraCompact$2,480$207
    Toyota CorollaCompact$2,510$209
    Volkswagen GolfCompact$2,518$210
    Toyota PriusCompact$2,520$210
    Toyota CamryMidsize$2,542$212
    Mazda 3Compact$2,566$214
    Kia K5Midsize$2,582$215
    Chevrolet MalibuMidsize$2,602$217
    Chrysler 300Full-size$2,606$217
    Honda CivicCompact$2,618$218
    Kia ForteCompact$2,624$219
    Mitsubishi Mirage G4Compact$2,638$220
    Nissan LeafCompact$2,696$225
    Honda AccordMidsize$2,704$225
    Toyota CrownMidsize$2,714$226
    Tesla Model 3Midsize$2,732$228
    Volkswagen ArteonMidsize$2,806$234

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisville, KY.Data last updated on August 12, 2023
      Cheapest Cars to Insure in Louisville

      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.

      Cheapest SUVs to Insure in Louisville
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$2,022$169
      Subaru CrosstrekCompact$2,042$170
      Nissan KicksCompact$2,048$171
      Honda PassportMidsize$2,078$173
      Nissan Rogue SportCompact$2,084$174
      Mazda CX-5Compact$2,102$175
      Buick EncoreCompact$2,130$178
      Buick EnvisionCompact$2,136$178
      Kia SeltosCompact$2,166$181
      Subaru AscentMidsize$2,176$181
      Hyundai VenueCompact$2,182$182
      Honda HR-VCompact$2,222$185
      Hyundai KonaCompact$2,242$187
      Subaru ForesterCompact$2,256$188
      Ford EdgeMidsize$2,266$189
      Honda CR-VCompact$2,266$189
      Mazda CX-30Compact$2,274$190
      Ford ExplorerMidsize$2,276$190
      Volkswagen AtlasMidsize$2,284$190
      Nissan MuranoMidsize$2,294$191

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisville, KY.Data last updated on August 12, 2023
        Cheapest SUVs to Insure in Louisville

        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.

        Cheapest Sports Cars to Insure in Louisville
        Make/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$2,470$206
        Audi TTSports Car$2,770$231
        Ford MustangSports Car$2,900$242
        BMW Z4Sports Car$2,922$244
        Subaru WRXSports Car$2,952$246
        Nissan ZSports Car$2,998$250
        Toyota GR SupraSports Car$3,048$254
        Toyota GR86Sports Car$3,086$257
        BMW M2Sports Car$3,104$259
        Subaru BRZSports Car$3,226$269
        Chevrolet CorvetteSports Car$3,298$275
        BMW M3Sports Car$3,372$281
        Lexus RC FSports Car$3,442$287
        Porsche 718Sports Car$3,446$287
        Chevrolet CamaroSports Car$3,500$292
        Mercedes-Benz AMG GT53Sports Car$3,710$309
        Jaguar F-TypeSports Car$3,840$320
        Porsche TaycanSports Car$3,924$327
        BMW M4Sports Car$3,976$331
        Lexus LC 500Sports Car$4,022$335

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisville, KY.Data last updated on August 11, 2023
          Cheapest Sports Cars to Insure in Louisville

          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.

          Cheapest Pickups to Insure in Louisville
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Ford MaverickMidsize$2,222$185
          Chevrolet ColoradoMidsize$2,226$186
          Nissan FrontierMidsize$2,310$193
          Ford RangerMidsize$2,374$198
          GMC CanyonMidsize$2,430$203
          Toyota TacomaMidsize$2,446$204
          Hyundai Santa CruzMidsize$2,486$207
          Nissan TitanFull-size$2,648$221
          Honda RidgelineMidsize$2,656$221
          Ford F150Full-size$2,718$227
          GMC Sierra 2500 HDHeavy Duty$2,740$228
          Jeep GladiatorMidsize$2,782$232
          Toyota TundraFull-size$2,808$234
          GMC Sierra 3500Heavy Duty$2,826$236
          GMC SierraFull-size$2,920$243
          Ram TruckFull-size$2,922$244
          Chevrolet SilveradoFull-size$2,928$244
          Chevrolet Silverado HD 2500Heavy Duty$2,934$245
          Chevrolet Silverado HD 3500Heavy Duty$2,940$245
          Nissan Titan XDHeavy Duty$2,988$249

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisville, KY.Data last updated on August 11, 2023
            Cheapest Pickups to Insure in Louisville

            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).

            Cheapest Luxury Cars to Insure in Louisville
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura IntegraCompact$2,400$200
            BMW 330iCompact$2,714$226
            Acura TLXCompact$2,758$230
            Cadillac CT4Compact$2,792$233
            Genesis G70Compact$2,848$237
            Cadillac CT5Midsize$2,878$240
            Lexus ES 350Midsize$2,880$240
            BMW 330eCompact$2,894$241
            Lexus ES 250Midsize$2,902$242
            Lexus RC 300Midsize$2,908$242
            BMW 228iCompact$2,910$243
            Mercedes-Benz AMG CLA35Midsize$2,914$243
            Audi A3Midsize$2,926$244
            BMW 230iCompact$2,930$244
            Mercedes-Benz C300Compact$2,950$246
            Audi A4Compact$2,960$247
            Lexus RC 350Compact$2,970$248
            Audi S3Compact$2,982$249
            Mercedes-Benz AMG CLA45Midsize$2,982$249
            Volvo S60Compact$2,988$249

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisville, KY.Data last updated on August 12, 2023
              Cheapest Luxury Cars to Insure in Louisville

              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).

              Cheapest Luxury SUVs to Insure in Louisville
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$2,232$186
              Lexus RX 350Midsize$2,394$200
              Cadillac XT4Compact$2,410$201
              Volvo XC40Compact$2,462$205
              Infiniti QX50Midsize$2,476$206
              Lexus UX 250hCompact$2,500$208
              Cadillac XT5Midsize$2,540$212
              Mercedes-Benz GLA250Compact$2,592$216
              Mercedes-Benz GLB 250Compact$2,600$217
              Cadillac XT6Midsize$2,602$217
              Lexus NX 250Compact$2,634$220
              Acura MDXMidsize$2,662$222
              Lexus NX 350hCompact$2,666$222
              Lexus NX 350Compact$2,684$224
              Lincoln CorsairCompact$2,686$224
              Lexus NX 450hCompact$2,698$225
              Lincoln NautilusMidsize$2,708$226
              BMW X1Compact$2,714$226
              Alfa Romeo TonaleCompact$2,720$227
              Mercedes-Benz GLC300Compact$2,724$227

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Louisville, KY.Data last updated on August 12, 2023
                Cheapest Luxury SUVs to Insure in Louisville

                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.