For state workers, one of the largest factors that determine auto insurance rates is where your residence is in Louisville. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas less populated areas benefit from lower rates.
The information below sorts the most expensive places in Kentucky for state employees to purchase a policy in. Louisville makes the list at #1 having an annual price of $2,176 for car insurance, which is around $181 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Louisville | $2,176 |
| 2 | Frankfort | $1,725 |
| 3 | Ashland | $1,724 |
| 4 | Jeffersontown | $1,685 |
| 5 | Paducah | $1,647 |
| 6 | Saint Matthews | $1,643 |
| 7 | Radcliff | $1,606 |
| 8 | Madisonville | $1,568 |
| 9 | Murray | $1,565 |
| 10 | Elizabethtown | $1,563 |
| 11 | Georgetown | $1,551 |
| 12 | Henderson | $1,541 |
| 13 | Hopkinsville | $1,538 |
| 14 | Danville | $1,534 |
| 15 | Covington | $1,517 |
| 16 | Nicholasville | $1,504 |
| 17 | Winchester | $1,501 |
| 18 | Lexington | $1,499 |
| 19 | Independence | $1,480 |
| 20 | Richmond | $1,475 |
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Table data uses approximated as the specific garaging location can decrease or increase premiums noticeably.
The vehicle you are trying to insure is one of the primary factors when trying to find low-priced coverage for state employees. Vehicles with higher performance, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The next list estimates insurance premiums for a selection of the most affordable automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,860 |
| Ford Escape Limited 4WD | $1,866 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,913 |
| Hyundai Elantra GLS Touring Station Wagon | $1,931 |
| Honda CR-V EX-L 2WD | $1,981 |
| Chevrolet Impala LS | $1,984 |
| Volkswagen Jetta S 4-Dr Sedan | $2,022 |
| Toyota RAV4 Limited 4WD | $2,030 |
| Chevrolet Malibu LS | $2,022 |
| Toyota Prius | $2,081 |
| Dodge Grand Caravan CV | $2,096 |
| Chevrolet Equinox LTZ AWD | $2,170 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $2,175 |
| Ford Edge Limited 2WD | $2,173 |
| Ford F-150 STX Regular Cab 4WD | $2,178 |
| Toyota Camry LE | $2,217 |
| Toyota Tacoma Double Cab 4WD | $2,222 |
| Honda Civic LX 4-Dr Sedan | $2,293 |
| Toyota Camry Hybrid | $2,320 |
| Ford Explorer Limited 4WD | $2,335 |
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in vehicle location which can decrease or increase coverage prices considerably.
Looking at the numbers, we can presume that cars like the Honda Accord, Ford Escape, Jeep Wrangler, and Hyundai Elantra should be the more affordable vehicles to insure for state workers.
Choosing the best insurer is difficult considering how many companies there are to choose from in Kentucky. The ranking data in the next section can help you choose which insurers to look at when shopping your coverage around.
These ratings are only made up of major nationwide insurance companies, so smaller companies are not factored into these rankings. To compare price quotes from these top insurers and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The information below demonstrates how choosing different deductibles can affect insurance costs when trying to find cheap insurance for state employees. The premiums assume a married female driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 40-year-old driver could save $224 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $338 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, could drop their prices up to $554 or even more by using higher deductibles when buying full coverage. When increasing deductibles, it is a good idea to have plenty of money set aside to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Careless Louisville drivers pay higher rates
The common sense way to receive cheap auto insurance rates for state workers is to drive cautiously and not have accidents or get tickets. The illustration below demonstrates how traffic citations and accidents influence insurance costs for different age groups. The premium estimates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
In the prior example, the average cost of car insurance in Louisville per year with a clean driving record and no accidents is $1,054. Add in one speeding ticket and the average cost hikes up to $1,231, an increase of $177 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for state employees increases to an average of $2,887. That’s an increase of $1,833, or $153 per month, just for not being a responsible driver!
How to find budget-friendly insurance for state employees
Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help you buy low-cost auto insurance.
- Good credit can mean cheaper rates
- Drive attentively and avoid accidents
- Buy a car with high safety ratings
- Older vehicles may not need full coverage
- Buy your auto and home insurance from the same company and save
- Comparison shop frequently
That final tip is particularly vital, as we discussed in the article above. Auto insurance prices change a lot, so don’t be afraid to change to a new company if a more affordable price is available.
Many drivers prefer to stick with one company, but it’s not a good idea if that faithfulness ends up costing you a lot of money every month. It only takes a couple minutes to shop around to find cheaper auto insurance for state employees in Louisville.
If you would rather get some professional advice when trying to find the best insurance rates for state employees, the agents listed below can help you make a decision which coverages and limits you need. To find an agent using an interactive map, click the button link following the list or click here to compare rates now.
Braden Insurance Agency Inc.
3069 Breckenridge Ln – Louisville, KY 40220 – (502) 437-3926
Vince Jarboe – State Farm Insurance Agent
5101 New Cut Rd – Louisville, KY 40214 – (502) 380-3800
David Franck – State Farm Insurance Agent
8217 Shelbyville Rd – Louisville, KY 40222 – (502) 339-1400