Auto Insurance in Louisville

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jan 10, 2019

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We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...
  • Louisville residents must carry car insurance to abide by Kentucky law
  • There are hundreds of car insurance companies servicing Louisville
  • Louisville has a rich history and is in a prime location
  • Comparison shopping is a great way to keep the high cost of car insurance as low as possible


Car insurance is very important! There are many people driving within Louisville and all of them are required to have car insurance.

In order for motorists to operate a vehicle in the state of Kentucky, they are required to carry minimum coverage.

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All drivers must own at least the following minimum amounts:

  • $25,000 for bodily injury for each person per accident.
  • $50,000 for bodily injuries per accident.
  • $10,000 for all property damage per accident.

Drivers in the state of Kentucky can choose to have a single limit plan which covers liability up to $60,000. Drivers have to show proof of car insurance in order to register their vehicle for renewal.

The actual auto insurance card has to be in their car and available to produce to a police officer or other law enforcement official.

Any driver that does not produce their car insurance card when asked, will risk losing their plates and driver’s license. Don’t be a convicted driver!

Uninsured/Underinsured motorist coverage is not mandatory for motorists residing in Louisville. According to state laws for auto insurance, drivers have the right to waive this coverage.

However, many Louisville car insurance experts recommend that motorists carry this form of optional coverage.

If an uninsured or underinsured motorists hits their vehicle and causes bodily or personal damage, the policyholder will be covered by their insurance carrier.

This is an additional expense, on top of the mandatory liability coverage, but it is a level of protection that may end up saving motorists money over the course of time.

Louisville Car Insurance Laws

Louisville adheres to a choice no-fault insurance system, which means motorists can decline no-fault options and decide to sue under the tort system for accident related injuries.

Motorists in Louisville are given the option to buy Personal Injury Protection (PIP) with a $10,000 limit that is based on the no-fault system.

Louisville car insurance companies are allowed to create policies that do not include certain household members. The names of the excluded individuals are listed on the policy.

The insurer will also list every possible circumstance that would release them from the responsibility of compensating a claim.

It is recommended that policyholders closely examine their auto insurance very carefully prior to signing any contracts.

If a motorist lets his auto insurance policy to lapse but they still continue to drive, he is essentially breaking the law. When a policy has lapsed, the motorist is no longer covered.

Louisville motorists are not given any kind of a grace period on their terminated auto insurance policy. As soon as a premium goes unpaid, the auto insurance coverage will terminate.

If an uninsured motorist is caught driving without any type of coverage, he risks losing his license.

Louisville Car Insurance Companies

Louisville car insurance companies are available both off and online. Due to the convenience of the Internet, many individuals choose to shop for policies online.

All of the major Louisville car insurance companies have an online presence, making it very easy for motorists to get insured.

Customers can simply go to the insurer’s official website and receive an instant quote. The easiest thing to do is to compare state car insurance with our ZIP code search. We bring all of the companies to you and eliminate the time to search around!

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It is not difficult to apply for Louisville car insurance online. There is a brief online application that must be completed, providing the following details:

  • Driver’s personal details
  • Driver’s license number
  • VIN
  • Vehicle make and model
  • Desired amount of coverage

The application does not take long to complete and if applicants run into any problems, there is usually the option to participate in a live chat session with a customer service representative.

Motorists are quoted various rates based on different factors. Insurance companies consider factors such as the driver’s record, age, driving experience, credit history as well as the make and model of the vehicle.

In order to receive the best car insurance rates, it is advisable to obtain several quotes in order to make an educated assessment.

There are hundreds of Louisville car insurance companies, that are licensed to collect auto insurance premiums. The Insurance Information Institute has a comprehensive list of all insurance carriers that are authorized to conduct business, posted on their website.

There is a full range of insurers, both large and small, that provide Louisville car insurance at competitive rates.

When investigating a particular insurance carrier, it is essential to make sure they actually pay out their claims.

Additional information regarding business practices and financial stability can be obtained from the Kentucky Department of Insurance’s Annual Financial Data Inquiry form.

The more research that is done, the more confident a person can be in their choice of an insurance carrier. There are a number of carriers that do not provide optimal service, so it is vital to do a bit of research.

Reputable Louisville car insurance carriers can be found by looking up insurers listed on the Insurance Information Institute member website.

One can also look at our Top Auto Insurance Companies List for the best companies to be covered under!

Car Insurance Agencies

Individuals can also talk to a licensed Louisville car insurance agent that can assist them in selecting good car insurance coverage.

There are a number of Louisville car insurance agencies that can provide information regarding the best coverage plans that offer the most competitive rates.

These agencies have relationships with a number of different carriers and can often work out special discounts for their customers.

There is absolutely no fee involved when working with an agent. They receive their commission from the insurance carrier and do not charge a fee for their services.

Skilled insurance agents understand how to put together the most suitable policy that meets the needs of their customers.

An agent will be able to explain the various options and answer any questions regarding the state laws governing insurance plans. Working with a knowledgeable agent will save a lot of time and money.

Louisville History

The City of Louisville was established by George Rogers Clark in 1778 and was named after King Louis XVI of France.

The Official Seal of the Louisville is the fleur-de-lis, which represents the aid from France in the course of the Revolutionary War. Louisville is located within the north central region of Kentucky along the Kentucky-Indiana border.

The downtown business center is located south of the Ohio River, and southeast of the Falls of the Ohio. Louisville is constantly ranked among the top ten safest cities in America.

Louisville’s economy was originally based on the cargo and shipping industries. Its tactical position near the Falls of the Ohio, offer an ideal location for transferring cargo to other destinations.

Its central location within the United States also makes Louisville an excellent location that allows immediate access to many different ports.

Average Louisville Car Insurance Rates

Reports have Louisville car insurance rates at $1,969 per year. The average auto premiums in Louisville are among the highest in the nation but there are ways that car owners can receive discounted rates.

A good way to find affordable car insurance coverage is by shopping online. The Internet has opened up a new level of competition that has brought down the price of car insurance.

There are several web-based insurance companies that pass their savings of not having the overhead of running a traditional brick-and-mortar business, on to their customers.

The savings can be quite substantial but it is important to make sure they are a licensed insurance provider with a trusted business reputation.

Louisville Driving and Accident Statistics

In 2010, speeding was the cause of over 7,000 crashes, leading to more than 3,000 injuries and 133 fatalities.

Of all the fatal car accidents in Louisville:

  1. 18 percent of all crashes were fatal.
  2. Most fatal car accidents were caused by men.
  3. Males 16 – 34 cause the most fatal accidents.
  4. 56 percent of fatalities were caused by speeding.
  5. 187 fatal accidents had a BAC of 0.08 percent or more.
These car accidents led to very high car insurance accident statistics!

Louisville Car Insurance Quotes

Instant Louisville car insurance quotes are easily obtainable online. There are hundreds of insurers that allow for people to buy car insurance online a simple task.

There are a number of quick methods to use to access up to date rates from a cross section of insurance carriers.

Shopping online for car insurance has many advantages. Individuals do not have to deal with pushy sales agents and they can browse many different policies at their leisure, without feeling pressured.

It is important not to accept the first quote that is provided by an insurer. Perusing the various insurance options and finding the most competitive rates, is one of the best ways to find coverage.

We will pursue and compare the top car insurance companies for you! Just enter your ZIP code and be on your way to finding cheap car insurance!

Free Car Insurance Comparison

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