Car Insurance in Louisville, KY

Let VIU by HUB help you find affordable car insurance in Louisville, KY, so that you can get around town without worry.
Compare, shop and customize quotes from top-rated insurance carriers.

Driving in and Around Louisville

There is so much to see and do in Louisville that you'll definitely want a car to get to it all. You'll likely find a car makes it easier to do things such as take a tour of the Louisville Slugger Museum, go underground at the Louisville Mega Cavern or take in a race at Churchill Downs. If you prefer to head out of town, Wanderlog notes that Mammoth Cave National Park is about an hour and 40 minutes away and well worth the drive. Just make sure you have full coverage car insurance in Louisville, KY, before you head out.

You can also join the thousands of people who use their car to get to work in the city each day. According to Best Places. the average commute in Louisville is just over 22 minutes each way, and more than 80% of people in the city take a private car alone to work.

For those who prefer to use mass transit, Kentucky's largest city doesn't disappoint. You can choose from bus, trolley, paratransit and vanpool services throughout the area from the Transit Authority of River City. An Amtrak station makes further trips simple by rail.

Choosing Car Insurance in Louisville, KY

You want to choose a car insurance policy that works for how you drive and fits your budget. This may mean adjusting coverage types and levels. A basic auto policy includes state-mandated liability minimums. According to Drive Kentucky. those are set at $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage. Alternatively, drivers may choose to purchase coverage with a single combined limit of $60,000 per accident.

Liability insurance pays for damages to others if you cause an accident. That can include medical costs and repairs for property damage. It does not provide coverage for your own vehicle. You will need to purchase additional insurance to cover repairs to your personal car.

Collision insurance pays for damages to your car from accidents. If the cost to repair your car is more than its current value, the policy will often declare it a total loss and pay you the cash value. Comprehensive coverage includes other types of damages, such as fire, vandalism, and theft. It also covers weather-related damage, such as from hail or flooding, and glass repairs or replacement.

You can also choose to add extra coverages such as roadside assistance and rental car reimbursement. These are typically very affordable add-ons that help reduce unexpected out-of-pocket expenses.

Risks of Driving in Louisville

Any car insurance in Louisville, KY, should match the risks you are likely to face. For example, the city has a very high property crime rate. Neighborhood Scout provides an auto theft rate that is more than double the national average. There is also a high chance of flooding in the city. Both of these factors suggest that comprehensive coverage is a smart choice for your auto policy.

Paying for Louisville Auto Insurance

According to MarketWatch. car insurance in Louisville is about 30% higher than the national average, with minimum coverage costing an average of $869 per year and full coverage insurance costing about $2,661 per year.

You have several options for saving on your car insurance in Louisville, KY, including adjusting your deductible and maintaining a clean driving record. It can also help to compare rates from multiple insurance companies. Let VIU by HUB help. Our agents will provide you with multiple quotes so you can choose the most suitable policy.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Best Places

Drive Kentucky



Neighborhood Scout


Auto insurance in Kentucky by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.