Louisville, KY

In the market for auto insurance in Louisville? At AutoInsuranceEZ.com, you can find the cheapest insurance rates in your town. To receive free car insurance quotes from the top providers today, input your zip code into the quote box on this page.

If you’ve ever had a mint Julep or watched the Kentucky Derby, then you are probably familiar with the city of Louisville. Both economically and socially, the city is a reflection of traditional customs acclimating to the modern world. A recent $2 billion investment project has fueled an architectural renaissance to improve the downtown area. There is also a flourishing community of artists living in Louisville.

Fun fact: Did you know that Louisville is #18 (40207) on the list of “Top 101 zip codes with the most beauty salons in 2005”? Learn more about Louisville, KY.

Average Louisville Car Insurance Quotes – Cheapest Rates Guaranteed!

It might cost about $1,969 annually for car insurance in Louisville. This is nearly half of one percent higher than Jefferson County, and 5% more expensive than normal Kentucky rates. However, if you’d rather not pay such high prices for your car insurance, just keep reading. Excellent saving strategies are outlined below.

Auto insurance companies contemplate different variables when determining insurance quotes, including driving experience, accident claims, occupation, driving distance to work, and multiple cars and drivers. Additionally, premiums vary from carrier to carrier. To find out whether you’re still getting the most favorable rate, compare cheap Louisville auto insurance quotes online.

Louisville Car Insurance Factors

There is a wide array of various things which could factor into the rate quotes you receive. Even though many of these things aren’t really anything you can do something about, a few of them are factors which you can change for the better. Here are a few elements which might affect your car insurance premium:

Your Zip Code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Louisville is 262,764 and the median household income is $32,483.

Auto thefts
Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Your auto insurance company may reward you with lower rates! In Louisville, there were 2,173 auto thefts as recently as 2002.

Driving distance to work

In Louisville, the typical drive to or from work can take anywhere from 15-20 minutes. Just under three-fourths of all drivers take their own vehicle when traveling to their place of employment. About 15% prefer to carpool with their co-workers, while approximately 7% take the bus.

A large number of drivers in Louisville have either completed a high school diploma, or have yet to complete their secondary level of education. If you’re one of the Louisville residents weighing the pros and cons of going back to school, consider this benefit: recent trends show that auto insurance providers have been offering lower rates to motorists with higher education degrees.

While there are nearly two dozen institutions for higher learning within driving distance of Louisville, three noteworthy schools are located in the heart of the city. These are Spalding University, Bellarmine College, and the University of Louisville, which has a nationally famous engineering school. Spalding specializes in part-time curriculum for busy, working adults, while Bellarmine instructs students in master’s degrees for education, business, nursing, and almost 50 different undergraduate subjects.

Determining your individual financial risk can be very difficult or impossible for the standard insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

Calculate YOUR auto insurance risks by entering your Age, Zip Code, and Gender into the calculator below.