Compare Louisa, KY Car Insurance Rates (2021)

Car insurance in Louisa, KY averages $519 a month. Louisa, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Louisa car insurance rates, compare quotes from the top car insurance companies in Louisa, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Louisa, KY are $6,232/year
  • The cheapest car insurance company in Louisa for teen drivers is USAA
  • The cheapest car insurance company in Louisa is USAA

If you need to buy Louisa, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Louisa, KY is right here.

You’ll find Louisa car insurance rates, the cheapest Louisa, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Louisa, Kentucky car insurance rates to Nicholasville car insurance rates, Henderson car insurance rates, and Independence car insurance rates.

Ready to find affordable Louisa, KY car insurance today? Enter your ZIP code for fast, free Louisa car insurance quotes.

Cheapest Louisa, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Louisa, KY car insurance rates? Every Louisa, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Louisa, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,868 $4,780 $4,425 $4,736 $19,758 $21,958 $5,319 $5,580
GEICO $3,709 $3,438 $3,873 $3,508 $7,451 $8,824 $3,033 $2,624
Liberty Mutual $3,951 $4,310 $3,364 $3,792 $15,711 $17,442 $4,108 $4,254
Nationwide $5,612 $5,527 $5,076 $5,251 $12,513 $15,335 $6,384 $6,579
Progressive $2,419 $2,294 $2,170 $2,189 $11,715 $13,201 $2,994 $3,030
State Farm $2,397 $2,397 $2,140 $2,140 $7,088 $8,931 $2,668 $3,003
Travelers $4,021 $4,096 $3,958 $3,966 $20,585 $33,458 $4,203 $4,868
USAA $1,830 $1,836 $1,649 $1,680 $4,861 $5,119 $2,312 $2,535

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Minimum Car Insurance in Louisa, KY

Every driver must carry the minimum car insurance in Louisa, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Louisa, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Louisa, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Louisa, KY. Compare credit history car insurance rates in Louisa from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Louisa, Kentucky

Insurance Company Poor Fair Good
Allstate $11,897 $8,154 $6,733
GEICO $7,493 $3,742 $2,438
Liberty Mutual $10,236 $6,221 $4,892
Nationwide $9,567 $7,412 $6,376
Progressive $5,600 $4,872 $4,532
State Farm $5,546 $3,361 $2,629
Travelers $11,053 $9,330 $9,300
USAA $4,060 $2,272 $1,851

Cheapest Louisa, KY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Louisa, KY to rates for a clean record with top companies.

Annual Louisa, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,281 $9,690 $10,430 $8,311
GEICO $2,691 $4,826 $7,418 $3,295
Liberty Mutual $5,928 $9,144 $7,088 $6,305
Nationwide $6,138 $8,016 $10,201 $6,784
Progressive $4,133 $6,135 $4,716 $5,022
State Farm $3,518 $4,173 $3,846 $3,846
Travelers $8,598 $8,850 $12,895 $9,234
USAA $2,057 $2,908 $3,474 $2,473

Cheapest Louisa, KY Car Insurance for Teen Drivers

Teen car insurance in Louisa, KY can be expensive. Take a look at rates from the top car insurance companies in Louisa for teenagers.

Annual Car Insurance Rates for Teen Drivers in Louisa, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,758 $21,958
GEICO $7,451 $8,824
Liberty Mutual $15,711 $17,442
Nationwide $12,513 $15,335
Progressive $11,715 $13,201
State Farm $7,088 $8,931
Travelers $20,585 $33,458
USAA $4,861 $5,119

Cheapest Louisa, KY Car Insurance for Seniors

Take a look at Louisa, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Louisa, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,425 $4,736
GEICO $3,873 $3,508
Liberty Mutual $3,364 $3,792
Nationwide $5,076 $5,251
Progressive $2,170 $2,189
State Farm $2,140 $2,140
Travelers $3,958 $3,966
USAA $1,649 $1,680

Cheapest Louisa, KY Car Insurance Rates After a DUI

A DUI in Louisa, KY increases car insurance rates. Compare Louisa, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Louisa, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,430
GEICO $7,418
Liberty Mutual $7,088
Nationwide $10,201
Progressive $4,716
State Farm $3,846
Travelers $12,895
USAA $3,474

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Cheapest Louisa, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Louisa, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Louisa, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,928 $8,928
GEICO $4,514 $4,601
Liberty Mutual $7,116 $7,116
Nationwide $7,785 $7,785
Progressive $5,002 $5,002
State Farm $3,756 $3,935
Travelers $9,894 $9,894
USAA $2,626 $2,829

The Best Cheap Car Insurance Companies in Louisa, KY

Take a look at a side-by-side comparison of the top car insurance companies in Louisa, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Louisa, Kentucky

Insurance Company Average Annual Rates
Allstate $8,928
GEICO $4,557
Liberty Mutual $7,116
Nationwide $7,785
Progressive $5,002
State Farm $3,846
Travelers $9,894
USAA $2,728

Category Winners: Cheapest Car Insurance in Louisa, Kentucky

Find the cheapest car insurance companies in Louisa, KY for each category right here.

Best Annual Car Insurance Rates by Company in Louisa, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Louisa, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Louisa car insurance rates. Find the cheapest Louisa, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Louisa, Kentucky

Insurance Company Low Medium High
Allstate $7,935 $8,875 $9,974
GEICO $4,251 $4,551 $4,871
Liberty Mutual $6,638 $7,055 $7,656
Nationwide $7,752 $7,650 $7,952
Progressive $4,601 $4,933 $5,471
State Farm $3,655 $3,841 $4,041
Travelers $9,340 $9,923 $10,419
USAA $2,605 $2,721 $2,858

What affects car insurance rates in Louisa, Kentucky?

What factors can have an impact on Louisa, KY car insurance? There are several reasons why Louisa car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Louisa, Kentucky.

Commute Time in Louisa

The more time you spend in your car the higher the risk of an accident. The average commute length in Louisa, KY is 21.2 minutes according to City-Data.

Compare Car Insurance Quotes in Louisa, KY

Ready to find affordable Louisa, Kentucky car insurance today? Enter your ZIP code for fast, free Louisa, KY car insurance quotes.

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