Cheap Car Insurance in Louisville, Kentucky

Looking to learn more about Louisville and how to acquire cheap car insurance? Well, it's Kentucky's largest city, Louisville is perhaps most famously known as the home of the Kentucky Derby, held the first Saturday in May. Often called “Kentuckiana” by locals since it spills over into in neighboring Indiana, the Louisville metro area has a population of more than 1.3 million.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Louisville, KY. Get your auto insurance quote today!

Driving conditions in Louisville

Louisville in 2014 was ranked 36th in a survey of traffic congestion, a ranking city officials attributed to construction projects. The website,, provides up-to-date information on construction delays, accidents and weather conditions. Drivers in Kentucky can access road and traveling conditions by calling 511, an automated voice response system providing information about specific roadways or regions.

Unique laws in Louisville

A Kentucky state law still on the books forbids allowing one's pet to “molest” a vehicle, punishable by fines. Residents and visitors also are prohibited from hunting from a moving vehicle.

Louisville crime statistics

Louisville in recent years has landed among the top 50 in the FBI's violent cities list, which ranks cities over 100,000 population by crime rates. According to FBI crime data, there were 3,225 reports of auto theft in 2015. The Louisville metro area landed at No. 69 on the National Insurance Crime Bureau’s most recent ranking of cities with the highest vehicle theft rates, with a rate of 289.34 incidents per 100,000 people.

Louisville safety requirements

Kentucky has a mandatory seat belt law, and children under 40 inches tall must ride in a car seat. Children 40 to 57 inches tall must ride in a booster seat. The speed limit is 65 mph on rural sections of interstates and most parkways.

Louisville impaired driving laws

According to Kentucky DUI laws, drivers over age 21 with a blood alcohol concentrationof .08 percent or higher can be charged with driving under the influence. Those under 21 can be charged with a BAC of .02. First-time offenders can expect a 90-day license suspension, fines of $200 to $500 and jail time up to 30 days. Penalties are more severe for subsequent convictions. To report a reckless driver or someone violating traffic laws, call the Kentucky Vehicle Enforcement, 1-800-928-2402.

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Car Insurance Louisville, Kentucky Agents

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  • Tracy Blair Haus State Farm Insurance Agency


    Tracy Blair Haus
    I have been a state farm agent since 2002 in louisville and am a second generation state farm agent with over 100 years combined state farm team experience. We are focused on serving the auto insurance needs of louisville, ky. We are located in middletown by marks feed store. At the corner of main st and watterson trail. Stop by and see us today! We are looking forward to taking care of all your insurance needs!

    What makes your specific agency stand out from your competition?
    Serving the insurance needs in kentucky since 1979. We provide quality auto insurance services . Our mission is to establish and maintain strong relationships. We will serve as support as they recover from the unexpected and encourage them as they prepare for the future. Let us help you with your insurance & financial service needs today!

    • Multi-line Discount

      Safe Driver Discount

      Good Driving Discount

      Good Student Discount

    • License

    • KY-DOI-588721

    11501 Main St
    Louisville, KY 40243
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  • Dolack Insurance Agency


    Brian Dolack
    In the insurance business over 25 years. We work hard for our louisville customers shopping the best insurance companies finding great rates & coverage.

    What makes your specific agency stand out from your competition?
    Insurance can get complicated and going through the process alone can be daunting. With companies advertising anywhere and everywhere, it's difficult to filter out what is necessary. That is where we step in. Dolack insurance's mission is to navigate the crowded market and broker which company best suits your needs.

    • We Offer Several A+ Rated Companies

    • Property & Casualty

    • 386374

    4050 Westport Rd #206
    Louisville, KY 40207
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  • State Farm: Mike Kenney


    Mike Kenney
    State farm agent since 1984. Call or stop by the office today for a fast and accurate insurance quote!

    What makes your specific agency stand out from your competition?
    We are committed to protecting your family's dreams by providing professional, courteous service and by going the extra mile so when you leave our office you'll say wow what a unique experience. You are our only reason for being here

    • Multi-line Discount

      Good Driving Discount

      Good Student Discount

      Safe Driver Discount

    • License

    • KY-DOI-360761

    2950 Breckenridge Ln Suite 4
    Louisville, KY 40220
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  • State Farm: Greg Haus


    Greg Haus
    Excellent rates on many types of insurance including auto insurance, renters insurance, life insurance, business insurance, & more. Save up to 40% on auto insurance. Discount rates without discount service.

    What makes your specific agency stand out from your competition?
    State farm insurance offers auto insurance, life insurance, fire insurance, home insurance and more. Call, click or visit our state farm office for more information about our many products and services including, auto insurance, home insurance, condo insurance, renters insurance, motorcycle insurance, flood insurance, farm and ranch insurance, personal insurance, life & annuities, health insurance, disability insurance, long-term care, business & commercial insurance, boat insurance and more. Our insurance agency can also help guide you in your financial decisions by offering mutual funds for your personal retirement, education savings, business retirement and a variety of other account types. State farm bank offers the convenience of online banking, credit cards and loans as well. More details are available by clicking on our website. Like a good neighbor, state farm is there.

    • Save Up To 40% On Auto Insurance.

    • Insurance

    • KY-DOI-680445

    100 Cannons Lane
    Louisville, KY 40206
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  • Corey Insurance Agency


    Stephen Corey
    Insuring families, churches and businesses since 1983, primarily in kentucky and southern indiana.

    3832 Taylorsville Rd #1
    Louisville, KY 40220
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  • Mary Henry - State Farm Insurance


    Mary Henry
    Don't overpay for your auto, home, or life insurance coverage. With mary henry - state farm insurance, you will find effective and affordable policies in louisville ky.

    4601 Wattbourne Lane
    Louisville, KY 40299
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  • Bill Taylor


    1404 Browns Ln Ste D
    Louisville, KY 40207
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    Great customer service. They care about their customers

  • Bob Mayhugh


    10116 Taylorsville Rd
    Louisville, KY 40299
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    These people don't speak insurance-ese. They explain things so you can understand! What a relief!

  • Brandon Warren


    12342 Shelbyville Rd Middletown Plaza
    Louisville, KY 40243
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    Fantastic! My first time in the office the staff was extremely helpful and gave me amazing quotes. The secretary and agent were both extremely friendly and made my insurance-buying experience wonderful. Then when I had to file a claim, I was very pleased with the way this agency advocated for me and made sure I was well taken care of. They took care of everything. Most definitely unlike any other insurance agent I've ever worked with! I would strongly recommend this agency to anyone!

    When I walked into his office I didn't even get a chance to meet mr Warren. I walked out after meeting the secretary of who I was disgusted with. She had no patience with me, gave me as little information as possible and exchanged a couple of argumentative terms. I simply walked out and went directly to another agent. I highly disagree doing any form of business with these guys

  • D M Fleitz & Associates


    9798 3rd Street Rd Ste 1b
    Louisville, KY 40272
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    Horrible!! My experience was to say the least a waste of my time. Mike was arrogant and non responsive. When I questioned him, he hung up on me... Yes, what a professional!!

    The only reason I gave a 1 star is because the NO star was not an option.

  • Ditsler Insurance


    1313 Lyndon Ln
    Louisville, KY 40222
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    I've been a client of Jerry Ditsler since 2001. I have nothing but good to say about the professionalism of his company. While Jerry represents the Nationwide Brand, I choose to do business with him based on the personalized service that he and his friendly and knowledgeable staff have given my family and I. His rates have always been competitive and he's even gone over ways where I can reduce my payments and in some cases increase my coverage.
    As a result of his personalized attention to my family's needs I now have both vehicles on an auto policy, I have my homeowners through him. My wife and I both have life policies and we even have a very affordable umbrella policy.
    When I have had claims they've been very quick to respond and handled each claim to my satisfaction without ever an issue.
    I would highly recommend Jerry to anyone looking for a change or a quote on possibly lowering their rates. If you have the need for multiple policies on things like homeowners, renters, and auto or life they even offer great discounts for that.
    And "Yes" "I do know my agents name and he knows mine!"

  • Heritage Insurance Services


    6540 Outer Loop Ste 7
    Louisville, KY 40228
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    they saved me $80 when i switched from state farm. i would recommend them.

    Ensure you read all their disclosures, when you buy Car Insurance, they tack on additional coverage you do not want, and then state since you signed for it, NO REFUND. If you dispute the charge, the send you to collections. "Family" run business, be careful of "Insurance Partners" fees..

  • Insuramax


    2200 Greene Way
    Louisville, KY 40220
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    I'm always kept waiting when I visit the office, even if there are no other clients there. Which wouldn't be so bad if I could ever, EVER reach anyone on the phone. They got me a great rate, but what's the use if I can never reach anyone in a crisis?

    My previous Insurance company cancelled me because they no longer had an agent in my area. I had quotes from State Farm, Allstate, Safe Auto, Esurance, and many others. All of their quotes were higher than what I was already paying and I hadn't even had an accident!

    Matt O'Brien worked with me and got me a lower rate than what I had been paying. He took the time to go back and forth with me looking for discounts for a few days!

    Sure enough I purchased an awesome plan within my budget! My parents referred them to me because they use them for their homeowners and auto. Mr. O'Brien was sure to send them a referral award!

    Overall great experience! I will refer this company and Mr. O'Brien to all my friends and family!

  • J H C Insurance


    12600 Townepark Way
    Louisville, KY 40243
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    Excellent service. Competitive rates
    Local agent with knowledge of the productand explains fine print
    Instant coverage provided. Personal claims experience and they are very fair

  • Joe Gottbrath Insurance Agency


    157 Thierman Ln
    Louisville, KY 40207
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    I dont get on the internet and write reviews on places/things unless I feel extremely compelled to. And my dealings with Joe Gottbrath at his State Farm office made me want to write a short review of the agent and the people he has working for him. Being 26 yrs old I know very little about auto insurance, Joe's team member Beth really helped me to learn what all of my coverages are for and why I need them. I ended up getting a quote from her and raising my limits on all coverages( we have some of the worst drivers here in Ky). Joe would periodically pop his head in Beth's office to see if I was okay or had any questions. It was a very relaxing experience and I couldn't have asked for an easier group of people to talk to about something that has always perplexed me.

  • Louisville Kentucky Insurance


    6788 Dixie Hwy
    Louisville, KY 40258
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    Friendly and down to earth, The are able to shop about a dozen companies and find the best deal on insurance. Doing business with them is easy.

  • Nolan Insurance Corporation


    903 E Chestnut St
    Louisville, KY 40204
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    This company is great!!! They found me the business Insurance I needed and saved me $700.00 on my Car Insurance. Thanks

    Received a quick quote and professional answers

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Auto body shops Louisville, Kentucky

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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