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Get Cheap Car Insurance in Louisville, OH
We monitor insurance prices, helping the average driver in Louisville save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Louisville
The chart below shows the cheapest car insurance company in Louisville for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.
| Louisville Insurer | Monthly Cost |
|---|---|
| State Farm | $44 |
| Safeco Insurance | $46 |
| Travelers | $47 |
| Mile Auto | $49 |
Savings for Every Kind of Louisville Driver
Based on our extensive insurance data, we know the average Louisville driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $287 per year by choosing the right vehicle insurance company. Some Louisville residents are paying out over $1,088 extra every year for auto insurance in Louisville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Louisville, OH Savings / Yr. |
|---|---|
$287 |
|
$489 |
|
$413 |
|
$441 |
|
$1,056 |
|
$300 |
|
$421 |
Louisville Car Insurance vs. Ohio
People living in Louisville pay an average of 3.23% less than the typical driver in the state. The average driver in Louisville can expect to pay about $735 per year, or $1,088 for full coverage.
Based on our analysis, Mile Auto will be the cheapest provider in Louisville for most people.
Car Insurance Prices by Louisville Neighborhood
Insurance Prices
Where is insurance cheapest within Louisville?
The map shows insurance prices in and around Louisville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $99 per year within the city boundaries, with insurance premiums ranging from a high of $1,155 to a low of $1,056. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Louisville.Pick the Best Car Insurance Company for You in Louisville
The best car insurance provider for most drivers in Louisville
For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $287 over the average Louisville car insurance company.
The best car insurance provider for Louisville drivers with accidents on their records
In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $489 over the competition.
The best car insurance company for Louisville drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $413 better than other car insurance companies.
The best auto insurance for Louisville drivers with a DUI conviction
Getting a quote from Gainsco may cost the average person with a DUI about $441 less each year.
The least expensive car insurance company for new and young drivers in Louisville
In Louisville, Geico costs young drivers $1,056 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Louisville
State Farm gave the largest car insurance discounts to married couples, averaging $300 saved each year compared to an average Louisville couple's premiums.
The cheapest car insurance in Louisville for drivers with bad credit
The best Louisville car insurance company for customer service
Nationwide was the best company for customer service in Louisville according to the NAIC.
Recent price drops
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The cheapest large national provider in Louisville
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Louisville driver can expect to pay about $76 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Louisville, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Louisville
What Influences the Cost of Car Insurance in Louisville?
On average, car insurance in Louisville is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Louisville is 28 minutes, which is a little less than average for a driver in the state.
- Ohio state insurance regulations may allow for lower prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Louisville are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Louisville is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Louisville is $61 per month for minimum coverage and $91 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- East Canton: Insurance costs 2.11% more
- Maximo: Insurance costs 0.92% less
- Middlebranch: Insurance costs 0.83% less
- Paris: Insurance costs 0.09% less
- Robertsville: Insurance costs 0.18% more
- Canton: Insurance costs 2.57% more
- North Canton: Insurance costs 1.75% less
- Marlboro: Insurance costs 0.46% less
- Meyers Lake: Insurance costs 0.92% more
- Hartville: Insurance costs 1.65% more
Cities with Similar Populations
- Fairwood: Insurance costs 53.03% more
- Vail: Insurance costs 53.95% more
- Walker: Insurance costs 196.69% more
- Walled Lake: Insurance costs 179.87% more
- Washington Court House: Insurance costs 3.31% more
- Glen Avon: Insurance costs 105.33% more
- Glastonbury: Insurance costs 79.32% more
- Fulton: Insurance costs 96.23% more
- Westborough: Insurance costs 46.60% more
- Fort Bragg: Insurance costs 23.16% more