Compare Louisville, TN Car Insurance Rates (2021)

Car insurance in Louisville, TN averages $306 a month. Louisville, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Louisville car insurance rates, compare quotes from the top car insurance companies in Louisville, TN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • The cheapest car insurance company in Louisville for teen drivers is USAA
  • The cheapest car insurance company in Louisville is USAA
  • Average car insurance rates in Louisville, TN are $3,669/year

If you need to buy Louisville, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Louisville, TN is right here.

You’ll find Louisville car insurance rates, the cheapest Louisville, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Louisville, Tennessee car insurance rates to Knoxville car insurance rates, Jackson car insurance rates, and Memphis car insurance rates.

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

Cheapest Louisville, TN Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Louisville, Tennessee

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 $2,689 $2,581 $2,418 $2,511 $10,099 $10,984 $2,866 $2,968
Farmers $1,826 $1,859 $1,637 $1,799 $7,583 $8,059 $2,474 $2,622
GEICO $1,936 $1,949 $1,778 $1,778 $6,064 $6,153 $1,978 $2,042
Liberty Mutual $3,700 $129 $3,038 $3,400 $15,472 $17,205 $3,966 $4,220
Nationwide $2,329 $2,347 $2,084 $2,117 $6,478 $8,356 $2,683 $2,913
Progressive $1,732 $1,630 $1,414 $1,476 $7,854 $8,835 $2,087 $2,277
State Farm $1,652 $1,652 $1,506 $1,506 $5,260 $6,568 $1,874 $2,180
Travelers $1,966 $2,073 $1,771 $1,888 $5,430 $6,713 $2,100 $2,212
USAA $1,508 $1,533 $1,362 $1,361 $5,395 $6,191 $1,968 $2,095

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Minimum Car Insurance in Louisville, TN

Every driver must carry the minimum car insurance in Louisville, TN. Take a look at the Tennessee car insurance requirements.

Minimum Required Car Insurance Coverage in Louisville, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Louisville, TN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Louisville, Tennessee

Insurance Company Poor Fair Good
Allstate $5,918 $4,534 $3,467
Farmers $4,137 $3,243 $3,067
GEICO $3,355 $2,877 $2,647
Liberty Mutual $9,148 $5,625 $4,400
Nationwide $4,406 $3,492 $3,092
Progressive $3,833 $3,311 $3,096
State Farm $4,031 $2,417 $1,877
Travelers $3,851 $3,009 $2,197
USAA $3,878 $2,275 $1,877

Cheapest Louisville, TN 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 Louisville, TN to rates for a clean record with top companies.

Annual Louisville, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,884 $4,630 $5,600 $4,445
Farmers $2,974 $3,683 $3,771 $3,501
GEICO $2,165 $2,884 $4,625 $2,165
Liberty Mutual $5,181 $7,480 $6,948 $5,956
Nationwide $3,167 $3,167 $4,765 $3,554
Progressive $3,007 $3,905 $3,201 $3,538
State Farm $2,516 $3,033 $2,775 $2,775
Travelers $2,448 $3,147 $3,469 $3,012
USAA $1,946 $2,918 $3,428 $2,414

Cheapest Louisville, TN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Louisville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,099 $10,984
Farmers $7,583 $8,059
GEICO $6,064 $6,153
Liberty Mutual $15,472 $17,205
Nationwide $6,478 $8,356
Progressive $7,854 $8,835
State Farm $5,260 $6,568
Travelers $5,430 $6,713
USAA $5,395 $6,191

Cheapest Louisville, TN Car Insurance for Seniors

Take a look at Louisville, TN 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 Louisville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,418 $2,511
Farmers $1,637 $1,799
GEICO $1,778 $1,778
Liberty Mutual $3,038 $3,400
Nationwide $2,084 $2,117
Progressive $1,414 $1,476
State Farm $1,506 $1,506
Travelers $1,771 $1,888
USAA $1,362 $1,361

Cheapest Louisville, TN Car Insurance Rates After a DUI

A DUI in Louisville, TN increases car insurance rates. Compare Louisville, Tennessee DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Louisville, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,600
Farmers $3,771
GEICO $4,625
Liberty Mutual $6,948
Nationwide $4,765
Progressive $3,201
State Farm $2,775
Travelers $3,469
USAA $3,428

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Cheapest Louisville, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Louisville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,640 $4,640
Farmers $3,482 $3,482
GEICO $2,939 $2,981
Liberty Mutual $6,391 $6,391
Nationwide $3,663 $3,663
Progressive $3,413 $3,413
State Farm $2,707 $2,842
Travelers $2,900 $3,139
USAA $2,602 $2,752

The Best Cheap Car Insurance Companies in Louisville, TN

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

Average Annual Car Insurance Rates by Company in Louisville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,640
Farmers $3,482
GEICO $2,960
Liberty Mutual $6,391
Nationwide $3,663
Progressive $3,413
State Farm $2,775
Travelers $3,019
USAA $2,677

Category Winners: Cheapest Car Insurance in Louisville, Tennessee

Find the cheapest car insurance companies in Louisville, TN for each category right here.

Best Annual Car Insurance Rates by Company in Louisville, Tennessee

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

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Cheapest Louisville, TN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Louisville, Tennessee

Insurance Company Low Medium High
Allstate $4,477 $4,629 $4,813
Farmers $3,284 $3,466 $3,697
GEICO $2,809 $2,953 $3,117
Liberty Mutual $6,100 $6,391 $6,682
Nationwide $3,698 $3,585 $3,707
Progressive $3,194 $3,416 $3,629
State Farm $2,598 $2,790 $2,937
Travelers $2,849 $3,018 $3,190
USAA $2,592 $2,667 $2,771

What affects car insurance rates in Louisville, Tennessee?

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

Commute Time in Louisville

The more time you spend in your car the higher the risk of an accident. The average commute length in Louisville, TN is 25.6 minutes according to City-Data.

Traffic in Louisville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Louisville, TN traffic data from INRIX ranks Louisville as the 597th-most congested in the world.

Compare Car Insurance Quotes in Louisville, TN

Ready to find affordable Louisville, Tennessee car insurance today? Enter your ZIP code for fast, free Louisville, TN car insurance quotes.

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