Car Insurance in Louisville
Numbers refreshed
Car insurance in Louisville draws on Kentucky averages; this also looks at how people there drive.
- $111Full coverage, the Kentucky average for one month.
- 25/50/25.The state minimum limits.
How much drivers around Louisville pay
Across Kentucky, the average comes to $1,337 a year for full coverage, while the legal minimum is $673. In a big city, prices usually sit above the state average because of more traffic, more claims and more theft.
| Coverage in Kentucky | Per year | Per month |
|---|---|---|
| Liability | $673 | $56 |
| Collision | $401 | $33 |
| Comprehensive | $263 | $22 |
| Full coverage (all three) | $1,337 | $111 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Louisville driving
| Census figure | Louisville |
|---|---|
| People | 631,818 |
| Average trip to work | 22 minutes |
| Drive to work alone | 72% |
| Homes with no car | 10% |
| Median household income | $66,849 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Kentucky calculator sets a price from your age, record and car. State rules are listed at Kentucky car insurance requirements.
First written