Cheapest Car Insurance Quotes in Louisville

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Louisville Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Louisville

The car insurance rate in Louisville is $767 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in Louisville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Louisville

$767

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Louisville

1st place: AutoOwners Insurance Co

At $402 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $424 for six months, making it the third cheapest auto insurance company in Louisville.

Louisville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Louisville, TN is AutoOwners Insurance Co, offering policies at just $402 for a six-month term. This is followed by Erie, which has an average six-month premium of $424.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1284 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Louisville drivers find the best deals.

Cheap Car Insurance Companies in Louisville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$402	$67
Erie	$424	$72
Westfield	$424	$71
Tennessee Farm Bureau	$452	$77
Travelers	$631	$106
Farmers	$765	$129
USAA	$771	$130
Grange	$776	$131
Farm Bureau of Tennessee	$804	$134
Tennessee Farmers	$899	$153
Penn National	$972	$162
State Farm	$1061	$180
Nationwide	$1077	$180
Progressive	$1284	$218

Key Takeaways

Way's key takeaways about car insurance in Louisville

The auto insurance costs in Louisville fall around $402 for six months.
The cheapest auto insurance company in Louisville is Westfield.
Teen drivers pay the highest rate in Louisville at $45 per month.

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Cheapest Minimum Liability Car Insurance in Louisville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Louisville are given below.

Westfield provides the cheapest minimum car insurance coverage in Louisville. Their Average 6 Month Premium is $129. AutoOwners is the most expensive at $184 for the same period.

Cheapest Liability Coverage in Louisville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
Auto-Owners Insurance Co	$150	$25
Tennessee Farm Bureau	$156	$26
Farm Bureau of Tennessee	$162	$27
Tennessee Farmers	$184	$31
USAA	$184	$31
Cincinnati	$190	$32
Erie	$201	$34
Travelers	$201	$34
Farmers	$212	$36
Penn National	$229	$39
Progressive	$251	$42
State Farm	$251	$42
Allstate	$408	$70
Auto-Owners	$184	$31

Cheapest Full Coverage Car Insurance in Louisville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Louisville is AutoOwners Insurance Co at $67 per month and $402 for six months.

Cheapest Full Coverage Car Insurance Quotes in Louisville, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$402	$67
Erie	$424	$72
Westfield	$424	$71
Tennessee Farm Bureau	$452	$77
Travelers	$631	$106
Farmers	$765	$129
USAA	$771	$130
Grange	$776	$131
Farm Bureau of Tennessee	$804	$134
Tennessee Farmers	$899	$153
Penn National	$972	$162
State Farm	$1061	$180
Nationwide	$1077	$180
Progressive	$1284	$218

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Average Car Insurance in Louisville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Louisville, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Louisville, Tennessee, may be increasing due to several external factors. Tennessee has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Louisville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Louisville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Penn National	$570
30s	Penn National	$392
40s	Penn National	$355
50s	Penn National	$329
60s	Penn National	$345
70s	Penn National	$397

Cheapest Car Insurance Rates for Teen Drivers in Louisville,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Louisville at $25 per month. At $268 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
USAA	$179	$30
Tennessee Farm Bureau	$212	$36
Travelers	$212	$36
Auto-Owners Insurance Co	$224	$38
Farmers	$240	$40
Grange	$240	$40
Progressive	$240	$40
Cincinnati	$245	$41
Erie	$245	$41
State Farm	$268	$45

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Louisville.

As young drivers face the highest rates in Louisville, Penn National offers the cheapest auto insurance rates at $570 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Louisville, Tennessee Farm Bureau is the cheapest car insurance provider. At $179 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Louisville is Erie, offering rates of around $352 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$179	$30
Westfield	$234	$39
Grange	$279	$48
Farmers	$302	$50
Progressive	$302	$52
Travelers	$302	$50
Cincinnati	$329	$56
Erie	$352	$58

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Car Insurance Rates with An Accident in Louisville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Louisville, TN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Louisville

The cheapest car insurance companies after an at-fault accident in Louisville include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $156 and $162, respectively. Grange is an expensive provider with an average six-month premium of $302.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$156	$26
Farm Bureau of Tennessee	$162	$27
Westfield	$218	$37
USAA	$234	$39
Farmers	$240	$40
Travelers	$245	$41
Progressive	$257	$43
Erie	$274	$46
State Farm	$274	$46
Auto-Owners Insurance Co	$279	$48
Grange	$302	$50

Louisville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Louisville TN. For example, the car insurance in Louisville after a DUI increases to $933 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Louisville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$932	$155
Not-at-fault accident	$938	$160
One Med/PIP claim	$944	$157
One comp claim	$955	$163
Two comp claims	$966	$161
Two Med/PIP claims	$966	$165
Failure to wear a seat belt	$1072	$179
Failure to show documents	$1089	$185
Child safety restraint	$1094	$182
Driving without lights	$1094	$186
Cell phone violation	$1111	$185
Driving with expired registration	$1111	$189
Speeding 6 - 10 MPH over limit	$1111	$185
Driving too slowly	$1117	$190
Speeding 11 - 15 MPH over limit	$1117	$186
Speeding in school zone	$1117	$190
Failure to yield	$1122	$187
Following too closely	$1122	$191
Illegal turn	$1122	$187
Speeding 16 - 20 MPH over limit	$1122	$191
Texting while driving	$1122	$187
Improper passing	$1134	$193
Wrong way/wrong lane	$1134	$189
Failure to stop at a red light	$1139	$194
In 65 MPH zone	$1156	$193
Speeding 21 - 25 MPH over limit	$1183	$201
At-fault accident - less than $1000	$1200	$200
Passing school bus	$1200	$204
Operating a vehicle without permission	$1273	$212
Open container	$1284	$218
At-fault accident - $1000-$2000	$1385	$231
At-fault accident - greater than $2000	$1385	$235
Reckless driving	$1747	$291
Racing	$1753	$298
Driving with a suspended license	$1798	$300
Refusal to submit to a chemical test	$1831	$311
DUI	$1865	$311
Leaving scene of an accident/hit and run	$1865	$317

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Louisville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Louisville.

The cheapest car insurance premiums in Louisville are offered by Tennessee Farm Bureau at $245 for a six-month policy. However, it can be as expensive as $1541 with companies like Allstate.

Louisville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$245	$41
Farmers	$285	$48
Erie	$290	$50
Grange	$380	$63
Travelers	$469	$79
State Farm	$676	$114
Progressive	$703	$118
USAA	$798	$134
Tennessee Farmers	$1083	$184
Allstate	$1541	$257

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Louisville are offered by Westfield at $150. However, it can be as expensive as $257 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Louisville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Tennessee Farm Bureau	$156	$26
Erie	$179	$30
Auto-Owners Insurance Co	$218	$37
State Farm	$218	$37
Cincinnati	$229	$39
Travelers	$245	$41
Chubb	$251	$42
Progressive	$257	$43

Car Insurance Price Trends in Louisville, Tennessee

Car insurance rates in Louisville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Louisville remained steady at $90 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Louisville remained steady at $35 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Louisville?

The car insurance in Louisville is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Louisville?

The cheapest car insurance in Louisville is $67 per month for full coverage.

How much is car insurance in Louisville for teenagers?

Car insurance for teenagers costs $150 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Louisville?

The average cost of car insurance is $816 for a six-month policy. It will cost around $129 per month to insure your car in Louisville.

Is car insurance expensive in Louisville?

Car insurance can be expensive in Louisville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Louisville can be affordable.

Cheapest Car Insurance Quotes in Louisville

Why you can trust Way?

How Much Is Car Insurance in Louisville

Avg. Car Insurance in Louisville

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Louisville

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Louisville Car Insurance Rates by Company

Cheap Car Insurance Companies in Louisville, TN

Way's key takeaways about car insurance in Louisville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Louisville

Cheapest Liability Coverage in Louisville, TN

Cheapest Full Coverage Car Insurance in Louisville

Cheapest Full Coverage Car Insurance Quotes in Louisville, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Louisville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Louisville, TN increasing?

Car Insurance Premiums by Age in Louisville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Louisville,TN

If you are in your twenties Penn National is the best choice for car insurance in Louisville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Louisville

Cheapest Car Insurance Companies after an At-Fault Accident in Louisville

Louisville Car Insurance Rates by Violation

Louisville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Louisville after a DUI

Louisville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Louisville after Speeding ticket

Car Insurance Price Trends in Louisville, Tennessee

Average Car Insurance Cost in Louisville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Louisville, TN

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources