Louisville Car Insurance

Your Guide to Louisville, KY Car Insurance

Find right car insurance policy for you.

There were more than 150,000 traffic collisions in Kentucky in the past year and almost 29,000 of them occurred in Jefferson County. Interstates 64 and 65 cross through the city of Louisville and thousands of motor vehicle accidents occur on these heavily trafficked highways every year. A car accident, however, can happen anywhere, so it is best to properly insure your automobile with a top-rated Louisville, KY car insurance policy.

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Louisville. Kentucky Car Insurance Costs:

  • National annual premium average: $1,311
  • Kentucky annual premium average: $1,341  

Car insurance rates in Kentucky are very close to the national average.  For additional protection, comprehensive coverage and higher liability limits are options that should be strongly considered. The more insurance you have, the more protected your finances will be if you are involved in a collision. Most vehicular accidents are caused by speeding, careless driving or driver distractions and are therefore preventable. Unfortunately, it is extremely difficult to avoid collisions that are caused by the reckless actions of other drivers or hazardous driving conditions. Louisville has more than 44 inches of precipitation each year, so it is not uncommon to drive on slick roads.

Louisville Car Insurance Provides Liability Coverage

If you own a car in Louisville, you will be required to have liability insurance before you can take it out on the road. Every state has minimum liability coverage requirements and Kentucky is no exception. These minimums are designed to protect both you and any third party with whom you may be involved in a collision from the financial burdens that a collision can create. You will need to be certain that your Louisville car insurance policy meets these minimum liability requirements.

Louisville, Kentucky Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/10
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
    • Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state.

Although these state-required minimums may seem high, a major collision,  particularly one that involves injuries or fatalities, has the potential to accrue costs that are far greater than the coverage limits of a basic policy. If you are the responsible driver, you will be expected to cover the excess costs out-of-pocket. Because such a scenario can lead to financial difficulties or bankruptcy, most insurance experts recommend that you purchase as much liability protection as you can afford.

Louisville Car Insurance Can Provide Comprehensive Coverage

Comprehensive coverage goes well beyond the limits of basic liability coverage. If you financed the purchase of your car, your lender probably required that you carry comprehensive car insurance for the duration of your loan. Once your loan is paid off, this coverage becomes optional. Comprehensive insurance provides medical coverage for you and your passengers as well as coverage for damages to your vehicle resulting from an accident, regardless of fault. It also provides compensation for damage to your automobile caused by falling objects, weather-related events, fires, vandalism, and theft.

Louisville, Kentucky Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Kentucky uninsured motorists: 15.8%
  • Kentucky average vehicle repair costs: $2,406

Kentucky has considerably more drivers without insurance than the national average. Even though uninsured motorist coverage isn't required in this state, adding it to your policy will provide the peace of mind that comes with knowing that if you're in an accident and the at-fault driver doesn't have insurance, you will be able to receive compensation for any damages or injuries from your own insurance company.

Car Thefts in Louisville, Kentucky

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Kentucky vehicle thefts (per 1,000 registered vehicles): 1.87

Although the number of cars stolen in this state is well below the national average, the rate of auto theft in Louisville is quite high. Residents of this city are strongly advised to take appropriate steps to secure their vehicles. These include always locking vehicles when not in use and parking cars in well-lit or secure locations whenever possible. Anti-theft devices such as alarms and GPS tracking units may seem costly, but many of those costs can be mitigated by policy discounts on your car insurance. In the event that your car is stolen, a comprehensive Louisville car insurance policy can provide reimbursement for your loss.

How to Compare Louisville Auto Insurance Quotes

Most insurance experts agree that the best way to ensure that you are purchasing your policy at a competitive rate is to obtain three to five insurance quotes before selecting a policy. Our agents can do more than just help you find a great car insurance policy. These agents are available to assist you with all your insurance-related needs and questions and can even advocate for you during the claims process if you need support. 

Find an independent agent in your neighborhood and obtain your selection of competitively-priced Louisville auto insurance quotes today.

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