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Last updated: August 31, 2025Best Cheap Car Insurance in Louisville
USAA has the cheapest auto insurance rates in Louisville, KY, at $1,867 annually for full coverage and $667 annually for minimum coverage.
Best Regional Provider
Editor's Rating: 4.1/5
Average Cost in Louisville
- Full Coverage Monthly: $181
- Minimum Coverage Monthly: $58
Best Major Insurer
Editor's Rating: 4.9/5
Average Cost in Louisville
- Full Coverage Monthly: $186
- Minimum Coverage Monthly: $57
Best for Military and Veterans
Editor's Rating: 5/5
Average Cost in Louisville
- Full Coverage Monthly: $156
- Minimum Coverage Monthly: $56
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Key Takeaways
- The cost of car insurance in Louisville is higher than the Kentucky average. Full coverage in the city costs an average of $2,907 annually, while minimum coverage costs an average of $1,097 annually.
- USAA and State Farm have the cheapest average minimum coverage rates in Louisville. USAA also has one of the strongest customer service records, along with Erie, Nationwide and Kentucky Farm Bureau.
- Comparing average rates gives you an idea of what you can expect to pay, but your individual rates will vary based on where you live, your car, your driving record, and other factors.
Our Top Picks for the Best Cheap Auto Insurance in Louisville
- Best Regional Provider: Farm Bureau Financial Services
- Best Major Provider: State Farm
- Best for Military, Veterans, and their Families: USAA
- Best for Claims Satisfaction: Erie
- Best for Low Mileage: Nationwide
Compare the Best Cheap Auto Insurance in Louisville
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Southeast Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| Kentucky Farm Bureau | $2,177 | $691 | Above average |
| State Farm | $2,228 | $684 | Above average |
| USAA | $1,867 | $667 | Above average |
| Erie | Data unavailable | Data unavailable | Above average |
| Nationwide | $2,692 | $1,349 | Above average |
| Louisville | $2,907 | $1,097 | – |
Best Cheap Providers in Louisville
The absolute cheapest insurance is not always the best option — in Louisville, Kentucky Farm Bureau, State Farm, USAA, Erie, and Nationwide offer the best combination of affordable and customer service.
1. Best Regional Provider - Farm Bureau Financial Services
What We Like Most:
- Headquartered in Louisville
- Cheap rates in Kentucky
- #4 in the Southeast according to J.D. Power
Why we chose it
Kentucky Farm Bureau is a small insurer specific to Kentucky, but it is affiliated with the national Farm Bureau Federation. As such, drivers need to be members to benefit from the insurance offerings, but it’s likely worth it for many people. Farm Bureau insurance relies on local agents who can provide specialized service in their communities, which is reflected in its fourth-place ranking on J.D. Power’s latest Auto Insurance Study for the Southeast region. It also receives fewer customer complaints than average according to the NAIC, as well as rates that are well below average for both full and minimum coverage.
Who it’s best for
Drivers who want to work with a local agent and are already Farm Bureau members, or are willing to sign up. It’s not ideal for those who need more than the standard coverages.
Louisville pricing
| Kentucky Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $181 | $58 |
| Annually | $2,177 | $691 |
| Difference from Louisville average | -25% | -37% |
2. Best Major Provider - State Farm
What We Like Most:
- Ranked above-average by J.D. Power
- Local Louisville agents
- Sells rideshare coverage
Why we chose it
State Farm is the largest property and casualty insurance company in the U.S., and it offers great customer service along with competitive rates. In Louisville, it has the second-cheapest average rates for minimum coverage and well below-average rates for full coverage as well. It also scored above average on J.D. Power’s 2025 Auto Insurance Study and offers a solid range of coverages and discounts.
Who it’s best for
Those who prefer to purchase a policy from a major insurer and work with a local agent. It’s a good option for those who don’t need gap coverage or accident forgiveness.
Louisville pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $186 | $57 |
| Annually | $2,228 | $684 |
| Difference from Louisville average | -23% | -38% |
3. Best for Military, Veterans, and their Families - USAA
What We Like Most:
- Cheapest rates in Louisville
- Highly rated by J.D. Power
- Membership passes on to spouses and children
Why we chose it
USAA’s insurance products are designed specifically for drivers affiliated with the military. It has consistently excellent customer service ratings, including a score of 749 out of 1,000 on J.D. Power’s most recent customer satisfaction survey. In addition, it offers the cheapest average rates in Louisville for both minimum and full coverage.
Who it’s best for
Existing USAA members or those eligible for USAA membership, which includes active duty military members, veterans, and their families.
Louisville pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $156 | $56 |
| Annually | $1,867 | $667 |
| Difference from Louisville average | -36% | -39% |
4. Best for Claims Satisfaction - Erie
What We Like Most:
- #1 for customer service in the Southeast according to J.D. Power
- Stellar reputation for claims satisfaction
- Rate Lock option keeps premiums stable
Why we chose it
Erie is one of the best auto insurance companies in the U.S. when it comes to customer service, and it is available in Kentucky. It ranked first in J.D. Power’s Auto Insurance Study for the Southeast region and earned a spot on CRASH Network’s Honor Roll with a grade of A-. Erie was not included in our pricing data for Louisville, so we recommend getting a quote as its rates tend to be very reasonable.
Who it’s best for
Erie is a good option for drivers in Louisville who value customer service and claims satisfaction. Its target customer base tends to be drivers with a clean record and good credit, though it’s worth getting a quote even if you have a violation on your record.
5. Best for Low Mileage - Nationwide
What We Like Most:
- #3 in Southeast according to J.D. Power
- Pay-per-mile available
- Offers gap coverage and new car replacement
Why we chose it
Nationwide is another great option for drivers prioritizing customer service experience in Louisville, ranking third in J.D. Power’s study. The company is one of the few major providers to offer pay-per-mile insurance in most states, including Kentucky, called SmartMiles. If you drive infrequently — because you work remotely, are retired, or your household has a second vehicle driven less often — you might be able to save significantly with Nationwide SmartMiles.
Who it’s best for
Nationwide is a particularly good choice for drivers looking for full coverage as it has below-average rates for this category, though its rates are slightly above average for minimum coverage. However, your rates may differ from the average, so if customer service is important to you and you feel that Nationwide’s offerings are a good fit, it’s always worth getting a quote to see what rate you’re offered.
Louisville pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $224 | $112 |
| Annually | $2,692 | $1,349 |
| Difference from Louisville average | -7% | +23% |
Louisville Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southeast1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Kentucky Farm Bureau | 689 | Not rated | Not rated | 0.57 |
| State Farm | 677 | C- | 710 | 2.13 |
| USAA | 749 | D+ | 726 | 2.74 |
| Erie | 718 | A- | 733 | 1.13 |
| Nationwide | 691 | C | 684 | 2.78 |
| Average | 667 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Louisville
USAA offers the cheapest auto insurance rates for full coverage policies in Louisville at $1,867 per year. However, it’s only available to members of the military community. For non-military drivers, Travelers and Auto-Owners offer the cheapest full coverage rates at $2,000 per year and $2,157 per year, respectively.
| Company | Annual Louisville Average | Monthly Louisville Average |
|---|---|---|
| USAA | $1,867 | $156 |
| Travelers | $2,000 | $167 |
| Auto-Owners | $2,157 | $180 |
| Kentucky Farm Bureau | $2,177 | $181 |
| State Farm | $2,228 | $186 |
| Shelter | $2,651 | $221 |
| Nationwide | $2,692 | $224 |
| GEICO | $2,727 | $227 |
| Progressive | $3,272 | $273 |
| Allstate | $4,334 | $361 |
| Louisville average | $2,907 | $242 |
| Kentucky average | $2,223 | $185 |
| U.S. average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Louisville
USAA also offers the most affordable minimum coverage rates in Louisville, with an average annual premium of $667. That’s 39 percent cheaper than the city average. State Farm and Kentucky Farm Bureau also offer very competitive rates for Louisville drivers not eligible for USAA.
| Company | Annual Louisville Average | Monthly Louisville Average |
|---|---|---|
| USAA | $667 | $56 |
| State Farm | $684 | $57 |
| Kentucky Farm Bureau | $691 | $58 |
| Travelers | $872 | $73 |
| Auto-Owners | $920 | $77 |
| GEICO | $1,052 | $88 |
| Shelter | $1,204 | $100 |
| Progressive | $1,312 | $109 |
| Nationwide | $1,349 | $112 |
| Allstate | $1,896 | $158 |
| Louisville average | $1,097 | $91 |
| Kentucky average | $653 | $54 |
| U.S. average | $635 | $53 |
How Many Car Accidents Happen in Louisville?
There were 130 fatal car crashes in Jefferson County, which includes Louisville, in 2023.5 That same year, there were 136 deaths from car accidents in Louisville, 110 of which occurred on surface streets.6 The remaining 26 occurred on expressways, freeways, and interstates. In addition, there were 453 traffic accidents that caused severe injuries.
Minimum Auto Insurance Requirements in Kentucky
Drivers in Kentucky are legally required to have an auto insurance policy with at least the following minimum coverage limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident7
These minimums provide a basic level of coverage and represent the cheapest coverage option, but you may need more coverage if you cause an accident and are responsible for damages. If you can afford to, it’s wise to increase your liability limits and add full coverage.
FYI
Despite its relatively modest auto insurance requirements, Kentucky has the sixth-highest rate of uninsured drivers in the country.8 Louisville drivers can protect themselves against the financial risk of being hit by an uninsured driver by adding uninsured motorist coverage to their policy.
Frequently Asked Questions
Who has the cheapest car insurance rates in Kentucky?
Auto-Owners has the cheapest car insurance rates in Kentucky for full coverage at $1,398 per year, while Travelers has the cheapest average rates for minimum coverage at $608 per year.
Is Allstate cheaper than GEICO?
In Louisville, GEICO is cheaper than Allstate. In fact, Allstate is one of the most expensive providers, on average. GEICO has an average annual rate of $2,727 for full coverage, which is 37 percent cheaper than Allstate’s average rate. GEICO’s average annual rate of $1,052 for minimum coverage is 45 percent lower than Allstate’s.
Who has better rates, Allstate or State Farm?
State Farm has better rates than Allstate in Louisville. Its average annual premiums are $2,228 per year and $684 per year for full coverage and minimum coverage, respectively, compared to Allstate’s $4,334 per year and $1,896 per year.
What coverage options are available from Louisville insurers
Louisville insurers offer various coverage options to drivers in the city, though the exact options will depend on the provider. Every insurer offers standard coverages including liability coverage and collision and comprehensive coverage. Most also provide basic add-on options like rental reimbursement and roadside assistance. For more specialized coverage like rideshare coverage and gap insurance, it’s best to check if your preferred companies offer what you need when you’re getting quotes.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Louisville, Kentucky, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Auto Insurance Becomes a Disruptor’s Market, J.D. Power Finds. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyInsurer Report Card – Top Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmFatality and Injury Reporting System Tool (FIRST). NHTSA / CDAN. (2025).
https://cdan.dot.gov/queryVision Zero Louisville 2023 Annual Report. City of Louisville. (2023).
https://louisvilleky.gov/vision-zero-louisville/document/vision-zero-louisville-2023-annual-reportMandatory Insurance. Kentucky Transportation Cabinet – DRIVE. (2025).
https://drive.ky.gov/Vehicles/Pages/Mandatory-Insurance.aspxFacts + Statistics: Uninsured Motorists. Insurance Information Institute (III). (2025).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
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