Who Has the Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Louisville?

Wouldn’t it be perfect if we could just give you the name of the single best car insurance company that has the cheapest car insurance rates for drivers with a bad driving record? It’s just not that easy, however, as there are a whole slew of unknown factors such as the annual mileage you drive, when you were born, the likelihood of vehicle theft where you live, and the level of liability coverage you want, that all influence how much you pay for auto insurance. This article should teach you a little about the best ways to avoid paying too much and will give you a good beginning to your search for cheaper coverage.

The vehicle to be insured is one of the largest factors that determines if you can find the most economical auto insurance for drivers with a bad driving record. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models. The table below outlines coverage costs for a selection of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Louisville, KY
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $6,411
Ford Escape XLT 2WD $6,604
Honda Accord LX 4-Dr Sedan $6,611
Toyota Prius $7,049
Ford Explorer XLT AWD $7,163
Honda Civic DX 4-Dr Sedan $7,434
Dodge Grand Caravan SE $7,479
Toyota RAV4 Sport 4WD $7,506
Toyota Tacoma Double Cab 4WD $7,578
Honda Odyssey EX W/Rear Entertainment $7,659
Chevrolet Impala LS $7,728
Chevrolet Malibu LT $7,816
Toyota Corolla LE $7,849
Ford Edge Sport AWD $7,855
Volkswagen Jetta SEL 4-Dr Sedan $7,921
Chevrolet Silverado LTZ Extended Cab 4WD $7,930
Hyundai Elantra Blue 4-Dr Sedan $8,068
Ford Focus SEL 4-Dr Sedan $8,078
Toyota Camry SE $8,156
Nissan Altima 3.5 SR 4-Dr Sedan $8,174
Ford F-150 Lariat Crew Cab Harley 2WD $8,184
Chevrolet Equinox LTZ 2WD $8,243
GMC Sierra 2500HD SLE Extended Cab 4WD $8,251
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Data assumes single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific location which can alter price quotes greatly.

Based on these rates, you can expect models like the Honda CR-V, Ford Escape, Honda Accord, and Toyota Prius should be a few of the cheapest vehicles to insure for bad drivers. The price for car insurance will be higher anyway just because there is more liability risk for drivers with a bad driving record, but overall those specific models will most likely have the cheapest car insurance rates that you’ll find.

Deciding which companies have the lowest-priced car insurance rates for drivers with a bad driving record involves more work than just comparing rates from one or two companies. Every car insurance company uses their own formula to determine premium rates, so let’s rank the car insurance companies with the overall best prices in Kentucky.

It’s important that you understand Kentucky car insurance rates are impacted by many factors that control your annual premium. Getting older, marrying your spouse, or getting caught speeding can trigger rate changes that can now make some companies more affordable than the competition.

Best Auto Insurance Prices for Imperfect Drivers

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Kentucky auto insurance company rankings
Rank Company Cost Per Year
1 Cincinnati Insurance $1,126
2 Kentucky Farm Bureau $1,163
3 USAA $1,211
4 Auto-Owners $1,399
5 Motorists Mutual $1,553
6 Grange Mutual $1,625
7 Travelers $1,680
8 State Farm $1,848
9 Westfield $1,888
10 Safe Auto $1,932
11 Progressive $2,056
12 Nationwide $2,064
13 Electric $2,097
14 State Auto $2,254
15 Encompass $2,288
16 GEICO $2,413
17 Safeco $2,791
18 Shelter $3,135
19 MetLife $3,146
20 Liberty Mutual $3,598
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Cincinnati Insurance has some of the cheapest car insurance rates in Louisville at around $1,126 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also are some of the most economical Louisville, KY auto insurance companies.

As illustrated above, if you buy coverage from Motorists Mutual and switched to Kentucky Farm Bureau, you could earn a yearly price reduction of approximately $390. Insureds with Grange Mutual might save as much as $462 a year, and Travelers policyholders might reduce rates by $517 a year.

These premiums are averaged across all types of insureds and vehicles and do not take into consideration a specific location for drivers with a bad driving record. So the company that can offer you the lowest price may not even be in the top 21 companies in the list above. That is why you need to get auto insurance quotes using your own specific driver and vehicle information.

For bad drivers, one of the more important criteria that determine the cost of insurance is where your residence is. More densely populated places tend to pay more, whereas more rural areas have the luxury of lower rates.

The following table lists the priciest cities in Kentucky for drivers with a bad driving record to purchase a policy in. Louisville shows up at #1 with an annual rate of $2,112 for the average policyholder, which is approximately $176 each month.

How much does car insurance cost in Louisville, KY?
Rank City Premium Per Year
1 Louisville $2,112
2 Frankfort $1,795
3 Ashland $1,724
4 Jeffersontown $1,719
5 Saint Matthews $1,660
6 Murray $1,613
7 Radcliff $1,606
8 Paducah $1,583
9 Elizabethtown $1,563
10 Madisonville $1,552
11 Danville $1,549
12 Henderson $1,541
13 Richmond $1,520
14 Nicholasville $1,519
15 Lexington $1,514
16 Winchester $1,501
17 Georgetown $1,491
18 Independence $1,480
19 Erlanger $1,478
20 Hopkinsville $1,478
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Rates are approximated as the vehicle garaging location can influence auto insurance rates noticeably.

Responsible drivers pay cheaper Louisville car insurance rates

The easiest method to get cheap car insurance rates for bad drivers is to be a careful driver and not have accidents or get tickets. The chart below demonstrates how traffic citations and fender-benders can affect car insurance rates for each different age group. The data assumes a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

The data above shows the average cost of car insurance in Kentucky per year with no violations or accidents is $1,718. Add in two speeding tickets and the average cost hikes up to $2,273, an increase of $556 each year. Now add one accident along with the two speeding tickets and the yearly cost of car insurance for drivers with a bad driving record increases to an average of $2,828. That’s an increase of $1,111, or $93 per month, just for being a little careless behind the wheel!

Types of discounts on Louisville auto insurance rates

Car insurance for bad drivers in Louisville, KYInsurance providers that provide coverage for drivers with a bad driving record may additionally offer policy discounts that can lower rates by as much as 35% or more if you are eligible to receive them. A list of car insurance companies and some of the discounts can be found below.

The chart below illustrates the comparison of auto insurance costs with and without policy discounts. The rates are based on a male driver, three speeding tickets and one accident, Kentucky state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, marriage, multiple vehicle, passive restraint, paperless filing, and homeowner discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for drivers with a bad driving record is 28% or $1,280.

How to find budget-friendly insurance for drivers with a bad driving record

Lowering your rates is not difficult, and here are some thrifty suggestions that can help you locate cheap coverage.

That final tip is especially valuable, as was emphasized in the prior article. Rates can be adjusted at any time, so don’t be unwilling to switch carriers if a more affordable rate is found.

We understand brand loyalty, but it’s not a good idea if that dedication is costing money that could be spent on other things. In just a couple of minutes you could compare prices and find cheaper car insurance for drivers with a bad driving record in Louisville.