For a 40-year-old driver with a clean record, car insurance in Louisville, KY, averages about $259 a month ($3,107 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 13% over Kentucky’s average of $229 a month. Travelers has the lowest full-coverage average in our Louisville table, at about $151 a month.
Louisville is the most expensive of the 17 Kentucky cities we cover in depth. Our benchmark driver pays about $30 a month more here than the average cost of car insurance in Kentucky, and about $61 a month more than in Lexington.
Our data covers 30 ZIP codes with a Louisville mailing address. Where you live in the city matters: the west side’s 40211, 40212 and 40210 average about $330, $327 and $325 a month, while east-end ZIP codes 40207 and 40242 average about $215. Use your own ZIP code when you compare Louisville, KY car insurance quotes.
Cost data comes from the auto rates insurers file with state regulators, priced across all 30 Louisville ZIP codes in our data, 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 Louisville, KY, runs about $259 a month ($3,107 a year) for full coverage, or $101 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, which makes this 13% higher.
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 and State Farm are effectively tied for the lowest average among these five insurers, at about $78 a month each.
Full-coverage averages by insurer in Louisville
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 | $1,152 | $96 | $2,198 | $183 |
| State Farm | $931 | $78 | $2,544 | $212 |
| Safeco | $1,207 | $101 | $3,059 | $255 |
| Kentucky Farm Bureau | $931 | $78 | $3,121 | $260 |
| Allstate | $1,834 | $153 | $4,615 | $385 |
| Travelers* | $795 | $66 | $1,817 | $151 |
| Shelter Insurance* | $1,058 | $88 | $2,121 | $177 |
| GEICO* | $900 | $75 | $2,309 | $192 |
| Auto-Owners* | $1,001 | $83 | $2,535 | $211 |
| Louisville average | $1,211 | $101 | $3,107 | $259 |
This table uses Louisville ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 30 Louisville ZIP codes we price, full coverage for our driver ranges from about $215 a month in 40207 and 40242 to $330 in 40211, a gap of $1,386 a year. ZIP codes west of downtown cost the most in our data, and east-end ZIP codes the least. 40299, which serves Jeffersontown, is one of the 30, at about $223 a month; Jeffersontown has its own guide.
Lowest-priced Louisville ZIP codes
Highest-priced Louisville ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Louisville’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 40202 | $1,382 | $115 | $3,571 | $298 | +15% |
| 40203 | $1,455 | $121 | $3,720 | $310 | +20% |
| 40204 | $1,314 | $110 | $3,418 | $285 | +10% |
| 40205 | $1,043 | $87 | $2,710 | $226 | -13% |
| 40206 | $1,108 | $92 | $2,913 | $243 | -6% |
| 40207 | $1,015 | $85 | $2,580 | $215 | -17% |
| 40208 | $1,389 | $116 | $3,597 | $300 | +16% |
| 40210 | $1,514 | $126 | $3,894 | $325 | +25% |
| 40211 | $1,528 | $127 | $3,964 | $330 | +27% |
| 40212 | $1,505 | $125 | $3,928 | $327 | +26% |
| 40213 | $1,141 | $95 | $2,960 | $247 | -5% |
| 40214 | $1,344 | $112 | $3,372 | $281 | +8% |
| 40215 | $1,458 | $122 | $3,719 | $310 | +20% |
| 40216 | $1,307 | $109 | $3,277 | $273 | +5% |
| 40217 | $1,282 | $107 | $3,281 | $273 | +5% |
| 40218 | $1,275 | $106 | $3,269 | $272 | +5% |
| 40219 | $1,211 | $101 | $3,023 | $252 | -3% |
| 40220 | $1,037 | $86 | $2,608 | $217 | -16% |
| 40222 | $1,041 | $87 | $2,672 | $223 | -14% |
| 40223 | $1,025 | $85 | $2,650 | $221 | -15% |
| 40228 | $1,161 | $97 | $2,964 | $247 | -5% |
| 40229 | $1,101 | $92 | $2,858 | $238 | -8% |
| 40241 | $1,019 | $85 | $2,681 | $223 | -14% |
| 40242 | $1,023 | $85 | $2,578 | $215 | -17% |
| 40243 | $1,005 | $84 | $2,596 | $216 | -17% |
| 40245 | $1,038 | $87 | $2,760 | $230 | -11% |
| 40258 | $1,271 | $106 | $3,168 | $264 | +2% |
| 40272 | $1,160 | $97 | $2,945 | $245 | -5% |
| 40291 | $1,124 | $94 | $2,871 | $239 | -8% |
| 40299 | $1,052 | $88 | $2,676 | $223 | -14% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $99 a year on average in our Louisville data, with the same $500 deductibles. That’s about $8 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also 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 Louisville ZIP codes, full coverage averaged $3,390 a year nine months earlier and $3,107 in rates as of Aug. 31, 2026, an 8.3% drop. Progressive cut its Louisville average 27.6%, Kentucky Farm Bureau 9.2% and State Farm 9.1%, while Allstate’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 5.2%, led by Progressive, which cut its liability-only average 19.1%, while Kentucky Farm Bureau raised its 1.6%.
Insurers price each area on the claims they expect there, and Jefferson County, which Louisville shares with Jeffersontown and other small cities, averages $3,095 a year for full coverage, the 17th-most expensive of the 99 Kentucky counties we price. Suburbs just outside it cost less: Shepherdsville averages about $232 a month, La Grange $220 and Shelbyville $218.
Insurance premiums in Kentucky can carry a local tax, and for a car kept in Louisville it’s 5% for 2026-27, according to the Kentucky Department of Insurance’s local premium tax schedule. That works out to about $50 on a $1,000 premium, and your bill must show it. Every city’s and county’s rate is 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.
Jeffersontown, about 11 miles east of downtown, averages $223 a month, and Elizabethtown, about 40 miles south, $221. Lexington averages $198.
Drivers in Louisville 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 Louisville, KY, costs about $259 a month ($3,107 a year) for full coverage and $101 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 13% above the Kentucky average of $229 a month.
Travelers has the lowest full-coverage average in our Louisville table, at about $151 a month, followed by Shelter Insurance at $177. Among the five major insurers we compared, Progressive has the lowest full-coverage average, at about $183 a month, followed by State Farm at $212. For liability-only coverage at 25/50/10 limits, Kentucky Farm Bureau and State Farm are effectively tied for the lowest average among the five major insurers we compared. 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.
In our data, Louisville full coverage averages about $259 a month, 13% above the Kentucky average and the highest of the 17 Kentucky cities we cover in depth. Insurers price each area on the claims they expect there, and prices are highest on the city’s west side, where 40211 averages about $330 a month.
In our data, 40207 and 40242 share the lowest full-coverage average in Louisville, at about $215 a month, and 40211 the highest, at about $330. The ZIP code table on this page lists all 30.
In our Louisville data, full coverage (100/300/100 with $500 deductibles) averages about $259 a month and liability-only coverage at 25/50/10 limits about $101, a difference of about $158 a month ($1,896 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 Louisville 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 codes, Louisville full coverage fell 8.3% over the past nine months, from about $3,390 to $3,107 a year. Progressive cut its Louisville average 27.6%, Kentucky Farm Bureau 9.2% and State Farm 9.1%. Liability-only coverage at 25/50/10 limits fell 5.2%.
For our benchmark driver, full coverage in Louisville averages about $259 a month. Nearby, Jeffersontown averages about $223, Radcliff about $227 and Elizabethtown about $221. Jeffersontown, Radcliff and Elizabethtown are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
