For a 40-year-old driver with a clean record, car insurance in Jeffersontown, KY, averages about $223 a month ($2,676 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 3% under Kentucky’s $229 monthly average. Travelers has the lowest full-coverage average in our Jeffersontown table, at about $129 a month.
Jeffersontown, a city inside Louisville Metro, costs less to insure than Louisville as a whole. Our benchmark driver pays about $223 a month for full coverage in ZIP code 40299, compared with $259 across Louisville and $229 statewide. Compare Jeffersontown, KY car insurance quotes with those figures in hand.
This page uses ZIP code 40299, Jeffersontown’s main ZIP code, which the Postal Service lists under Louisville. That makes it one of the 30 ZIP codes in our Louisville figures too.
Cost data comes from the auto rates insurers file with state regulators, priced in ZIP code 40299, which serves Jeffersontown, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, car insurance in Jeffersontown, KY, runs about $223 a month ($2,676 a year) for full coverage, or $88 for liability-only coverage at 25/50/10 limits, using rates insurers had filed with state regulators as of Aug. 31, 2026. The Kentucky average is $229 a month, so that figure is 3% lower.
Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Kentucky Farm Bureau has the lowest average among these five insurers, at about $62 a month, followed by State Farm at $68.
Full-coverage averages by insurer in Jeffersontown
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $1,031 | $86 | $1,872 | $156 |
| State Farm | $820 | $68 | $2,162 | $180 |
| Kentucky Farm Bureau | $743 | $62 | $2,489 | $207 |
| Safeco | $1,039 | $87 | $2,745 | $229 |
| Allstate | $1,627 | $136 | $4,112 | $343 |
| Travelers* | $692 | $58 | $1,549 | $129 |
| Shelter Insurance* | $921 | $77 | $1,807 | $151 |
| GEICO* | $783 | $65 | $1,968 | $164 |
| Auto-Owners* | $872 | $73 | $2,160 | $180 |
| Jeffersontown average | $1,052 | $88 | $2,676 | $223 |
This table uses ZIP code 40299 only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $56 a year on average in our Jeffersontown data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Safeco charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Jeffersontown ZIP code, full coverage averaged $2,938 a year nine months earlier and $2,676 in rates as of Aug. 31, 2026, an 8.9% drop. Progressive cut its Jeffersontown average 30.8%, Kentucky Farm Bureau 9.3% and State Farm 9.2%, while Allstate’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 4.8%, led by Progressive, which cut its liability-only average 16.8%, while Kentucky Farm Bureau raised its 1.5%.
Louisville’s prices vary widely by ZIP code, from about $215 a month in the east end to $330 on the west side, and 40299 sits toward the low end of that range. Jefferson County as a whole averages $3,095 a year for full coverage.
Kentucky also lets cities and counties tax insurance premiums. Jeffersontown’s rate on car insurance is 7% for 2026-27, according to the state’s local premium tax schedule, and your insurer must show the tax and the taxing jurisdiction on your bill. Louisville Metro’s 5% covers all of Jefferson County, but where a city inside it charges more, that’s the rate you pay. See the rate for every Kentucky city and county in our Kentucky car insurance tax by city guide.
More Kentucky cities and towns are in the Kentucky rates by city table, and you can compare states on our car insurance rates by state page.
Louisville averages $259 a month across its 30 ZIP codes, and Elizabethtown, about 38 miles southwest, $221. Frankfort, about 38 miles east, averages $207.
Drivers in Jeffersontown follow Kentucky’s rules. Every policy must include at least:
Kentucky is a choice no-fault state, so you can also file a form with the state to keep your full right to sue after a crash. Our Kentucky requirements guide covers that choice and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kentucky law and the Kentucky Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Jeffersontown, KY, costs about $223 a month ($2,676 a year) for full coverage and $88 for liability-only coverage at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% below the Kentucky average of $229 a month.
Travelers has the lowest full-coverage average in our Jeffersontown table, at about $129 a month, followed by Shelter Insurance at $151. Among the five major insurers we compared, Progressive has the lowest full-coverage average, at about $156 a month, followed by State Farm at $180. For liability-only coverage at 25/50/10 limits, Kentucky Farm Bureau has the lowest average among the five major insurers we compared, at about $62 a month. Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. ZIP code 40299 averages about $223 a month for full coverage, compared with $259 across the 30 Louisville ZIP codes we price, a difference of about $36 a month.
Yes. Kentucky lets cities and counties tax insurance premiums, and Jeffersontown’s rate on car insurance is 7% for 2026-27, according to the Kentucky Department of Insurance’s schedule, or about $70 on a $1,000 premium. Your insurer must show the tax and the taxing jurisdiction on your bill.
In our Jeffersontown data, full coverage (100/300/100 with $500 deductibles) averages about $223 a month and liability-only coverage at 25/50/10 limits about $88, a difference of about $135 a month ($1,624 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kentucky law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Jeffersontown must carry Kentucky’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability (or a single $60,000 limit), $10,000 of personal injury protection and uninsured motorist coverage of $25,000 per person and $50,000 per crash unless you reject it in writing. Our liability-only prices use 25/50/10 limits, a lower property damage limit than the law requires.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Jeffersontown full coverage fell 8.9% over the past nine months, from about $2,938 to $2,676 a year. Progressive cut its Jeffersontown average 30.8%, Kentucky Farm Bureau 9.3% and State Farm 9.2%. Liability-only coverage at 25/50/10 limits fell 4.8%.
For our benchmark driver, full coverage in Jeffersontown averages about $223 a month. Nearby, Louisville averages about $259, Radcliff about $227 and Frankfort about $207. Frankfort is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
