How Much are Louisville Car Insurance Rates for State Employees?

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.

How much is auto insurance in Louisville, KY?
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.

Cheapest Vehicles to Insure in Louisville, KY
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.

Best 15 Auto Insurance Companies for State Employees in Louisville
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
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Data Source: 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.

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 LnLouisville, KY 40220(502) 437-3926

Vince Jarboe – State Farm Insurance Agent
5101 New Cut RdLouisville, KY 40214(502) 380-3800

David Franck – State Farm Insurance Agent
8217 Shelbyville RdLouisville, KY 40222(502) 339-1400

View map of Louisville, KY insurance agents