Louisville, KY Car Insurance

Free quotes from multiple companies in minutes

5/5 for Customer Satisfaction (120 Reviews)

$2,274

The average Louisville resident's annual cost of car premium coverage

43%

Our customer's average savings after comparing insurance

246

That's equal to 246 beers or $978 in savings

Compare Louisville, KY Car Insurance quotes from multiple companies in minutes!

Whether you live in Louisville, Okolona, Fern Creek, Valley Station, Buechel or somewhere else in Jefferson County, Insurox offers choices for car insurance that could help you save hundreds of dollars a year.

Why spending 15 or even 7 ½ minutes online and receive only one quote and not get the best offer?

For the same time you can get over ten car insurance quotes and COMPARE side-by-side, all in a matter of minutes and then buy and manage your insurance policies online.

We don’t work for the insurance company! We work for you! Our job is to shop for you and find the best solution for you.

As a proud member of the Kentucky community, we offer discounts to members of various college alumni groups, employers and associations across the state.

There are a lot of miles waiting to be driven on in the Bluegrass State, 165,944 to be exact. On top of that you share the road with another 3 milion drivers.
Let us help you make the best choice for your car insurance.

Louisville, Kentucky Car Insurance Coverage Information

In Louisville, Kentucky you are legally required to have these minimum coverages:

Liability

Bodily Injury $25,000 per person
Bodily Injury $50,000 per accident
Property Damage $10,000 per accident

Personal Injury Protection

$10,000 per person


Liability coverage is legally required in Kentucky and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In Kentucky, the minimum coverage is listed as 25/50/10 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault.

PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident.

In Kentucky, the minimum PIP coverage limit is $10,000 per person.

Most people opt for higher amounts of auto insurance coverage than the Kentucky minimum in order to protect themselves in case of an accident.

Did you know this about the Bluegrass State?

Kentucky is ranked #12 in the US for uninsured drivers
The first Miss America from Kentucky is Heather Renee French. She was crowned September 18, 1999.
You can use digital insurance cards in Kentucky
More than 100 native Kentuckians have been elected governors of other states.
Licensed drivers
68%
Uninsured drivers
18%
Population
318m