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2024

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Best Local Car Insurance Agencies in Louisville, KY

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Louisville Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

335Reviewed

209Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6801 Dixie Hwy 216, Louisville, KY 40258
WebsiteLicense: 688914

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (17)

Why choose this provider?

Clear Choice Insurance caters to individuals and businesses in the Louisville area. Car owners can get coverage for the aftermath of a road crash, such as vehicle repairs and medical bills for injured occupants. The policy also provides compensation for theft, vandalism, and damage caused by uninsured drivers. In addition, Clear Choice Insurance offers policies for other vehicles, like boats, ATVs, RVs, and motorcycles. It has commercial insurance for worker compensation claims and general liability suits.

  • Bundling Option

6801 Dixie Hwy Ste 212, Louisville, KY 40258
WebsiteLicense: 618352

Expertise.com Rating

Review Sources

Google
4.6 (17)
Facebook
3.7 (5)

Why choose this provider?

Rick Hickman Insurance Agency is a company based in Louisville that caters to individuals and businesses in the area and surrounding communities. It offers personal and commercial car insurance products that provide coverage for bodily injuries, property damage, collisions, and personal injury protection. It also helps the policyholder to pay for damage caused by uninsured and underinsured drivers. Other products include home, renter, life, motorcycle, boat, and RV insurance. Rick Hickman Insurance has been in business since 1972.

  • Multiple Carriers

7321 New La Grange Road Suite 140, Louisville, KY 40222
WebsiteLicense: 831486

Expertise.com Rating

Review Sources

Facebook
5.0 (53)
Google
5.0 (4)

Why choose this provider?

Cornerstone Insurance Agency, LLC, serves individuals, families, and businesses throughout Louisville and the neighboring areas. This multi-line insurance solutions company protects drivers and motorists against accidents, liabilities, and uninsured drivers with an auto insurance policy. Its independent agents have an extensive network of insurance providers that can provide customers with coverage that suits their needs and resources. The agency's other insurance lines include life, commercial, health, and homeowners' insurance policies.

  • Multiple Carriers
  • Bundling Option

11820 Ransum Way Suite 201, Louisville, KY 40243
WebsiteLicense: 526280

Expertise.com Rating

Review Sources

Google
4.7 (97)
Facebook
5.0 (11)

Why choose this provider?

Reynolds Insurance Group is a firm that serves individuals and business owners in Louisville and its surrounding areas. It offers policies covering vehicles, such as auto, motorcycle, ATV, power sports, and recreational transportation insurance. Its commercial options include business, contractor, cyber liability, property, and restaurant insurance. The agency grants insurance options for commercial vehicles and churches. Its team is also equipped to handle policies involving surety, lost title, license, and permit bonds.

  • Multiple Carriers
  • Bundling Option

13117 Eastpoint Park Blvd. Ste. D, Louisville, KY 40223
WebsiteLicense: 944086

Expertise.com Rating

Review Sources

Google
5.0 (76)
Facebook
5.0 (33)

Why choose this provider?

Local Choice Insurance caters to clients in Louisville. Car owners can obtain coverage for theft, vandalism, and damage from road crashes. The policy provides compensation for injuries to the vehicle occupants and repairs to the car. The firm also offers insurance for other vehicles like classic cars, motorcycles, and RVs, along with policies for homes, condos, and rental properties. It helps businesses obtain coverage for workers' compensation, professional liability, and vehicle fleets. Local Choice Insurance is part of the Hardin County and Jeffersontown Chambers of Commerce.

  • Multiple Carriers

635 North Broadway, Louisville, KY 40508
WebsiteLicense: 398828

Expertise.com Rating

Review Sources

Facebook
4.6 (11)
Yelp
3.5 (3)

Why choose this provider?

Sullivan Insurance Agency is an independently owned and locally operated company that has been serving the auto insurance needs of customers in Louisville and nearby areas since 1962. The agency represents various insurance carriers to help clients find the auto insurance plan with the best value. It offers insurance policies that help policyholders get back on the road quickly if their vehicle gets destroyed or damaged by fire, accident, theft, or other covered events. The agency also aids in insuring individuals who are considered high-risk drivers.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

806 Stone Creek Pkwy, Suite #11, Louisville, KY 40223
WebsiteLicense: 844560

Expertise.com Rating

Review Sources

Facebook
5.0 (66)
Google
4.0 (4)

Why choose this provider?

Assure America is an independent agency that caters to individuals, families, and businesses in the Louisville metro and the surrounding communities. It offers full coverage auto insurance policies, which pay for medical expenses and damage caused to the policyholder's car and another driver's car. Other types of car insurance coverages such as collision, comprehensive, and liability are also available. In addition, the firm provides health, home, and life insurance plans. Assure America has been operating since 1920. It represents carriers like Aetna, Progressive, and Travelers.

3103 Breckenridge Ln, Suite 6, Louisville, KY 40220
WebsiteLicense: 706210

Expertise.com Rating

Review Sources

Google
4.7 (30)
Facebook
4.4 (7)

Why choose this provider?

Palacio Miller Agency offers personal and commercial insurance products and services to clients in Louisville and the surrounding areas. Its independent agents, who have over three decades of combined industry experience, provide auto insurance options to meet clients' needs. Auto insurance gives coverage for property damage, liability, and medical expenses. Additionally, this locally owned and operated agency works with multiple companies offering home, recreational, and life insurance. It allows 24-hour access to policy information.

  • Bundling Option

9200 Shelbyville Rd Suite 103, Louisville, KY 40222
WebsiteLicense: 1070192

Expertise.com Rating

Review Sources

Google
4.8 (18)
Facebook
5.0 (7)

Why choose this provider?

McCormick Advantage Insurance Agency, LLC, is an independent agency that serves individuals, families, and businesses from Louisville and the surrounding areas. Its team of professionals provides auto insurance policies with coverage options such as collision, comprehensive, and liability coverage. Other personal insurance products it offers include homeowners', renters', and condo insurance. It also provides commercial insurance policies such as commercial auto, commercial general liability, and workers' compensation. The agency has been in operation for more than two years.

  • Bundling Option

3701 Taylorsville Rd Ste 1A, Louisville, KY 40220
WebsiteLicense: 398956

Expertise.com Rating

Review Sources

Google
4.7 (21)
Facebook
4.3 (15)

Why choose this provider?

Jerry Kays Insurance serves individuals, business owners, and families in and around the Louisville metro. The agency provides a wide selection of insurance products, such as auto, life, recreational vehicle, general liability, workers' compensation, and homeowners' insurance. Its auto policies offer liability, property, and medical coverage. In addition, its team of independent insurance agents collaborates with a variety of carriers, including The Hartford, Berkshire Hathaway Guard Insurance Companies, American Modern, Foremost Insurance Group, and ClearPath Mutual.

  • Multiple Carriers

2460 Shelbyville Rd, Shelbyville, KY 40065

Expertise.com Rating

Review Sources

Google
4.8 (20)
Facebook
5.0 (11)

Why choose this provider?

For over 30 years, Turner Insurance Agency Inc. has been serving the people and businesses of the Louisville, Kentucky, area. Based in Shelbyville, this independent insurance agency offers coverage options such as liability, medical, and property for auto insurance policies. Commercial auto coverage offerings include medical payments, personal injury protection, comprehensive, collision, and liability. The company also offers RV, motorcycle, and classic car insurance. It works with top-rated insurers and is BBB accredited.

5438 New Cut Road Suite 102, Louisville, KY 40214
WebsiteLicense: 712556

Expertise.com Rating

Review Sources

Google
4.8 (115)
Facebook
5.0 (8)
Yelp
3.0 (2)

Why choose this provider?

Jeremy Graham is a State Farm insurance agent that has been helping families in Louisville achieve their financial goals since 2013. He offers auto insurance coverage options that match clients' needs. Coverage may vary in levels of financial protection against car accidents. Coverages may include collision, comprehensive, liability, car rental and travel expenses, and medical payments. He also provides homeowners' and business insurance solutions, as well as retirement planning and relocation services.

  • Bundling Option

12200 Shelbyville Rd #112, Louisville, KY 40243
WebsiteLicense: 594515

Expertise.com Rating

Review Sources

Google
4.9 (79)
Facebook
4.9 (21)
Yelp
1.0 (1)

Why choose this provider?

Dick Watts Insurance is a family-owned independent agency that caters to individuals, families, and businesses in the Louisville metro. It offers a wide variety of insurance products, including personal auto, commercial auto, homeowners', and renters'. Its car insurance plans are designed to cover expenses in repairing damage caused by collisions, thefts, and natural disasters. The local agency also provides coverage for bodily injury, uninsured, and underinsured liabilities. Dick Watts Insurance has been in the industry for more than 20 years.

  • Bundling Option

101 Saint Clair Street, Louisville, KY 40601
WebsiteLicense: 501679

Expertise.com Rating

Why choose this provider?

Steve Woodrum has been part of State Farm since 1994, working his way up to become an insurance agent for the company in 2000. He provides car insurance plans to clients in Louisville and the nearby areas. Steve is one of the people who pioneered the Annual Toys for Tots Fireman’s Chili Cook-Off, a charity event that started 18 years ago. State Farm has been serving its customers for over 97 years, with insurance plans that cover homes, life and health, business, and condos and renters.

  • Bundling Option

Louisville, KY
WebsiteLicense: 1095864

Expertise.com Rating

Review Sources

Google
5.0 (123)
Facebook
5.0 (8)

Why choose this provider?

The Insurance Artist is an independent agency that serves individuals and families in Louisville and the surrounding locations. Its agents educate clients on the insurance process and help them get policies based on their needs. It offers a range of auto insurance coverage, from medical bills to damage caused by fire, other cars, and collisions. Other vehicle insurance products available from the agency include boat, motorcycle, yacht, and RV policies. The Insurance Artist is a member of the Insurance Agency Owners Alliance.

  • Multiple Carriers
  • Bundling Option

4100 Taylorsville Road, Louisville, KY 40220
WebsiteLicense: 594772

Expertise.com Rating

Review Sources

Google
4.9 (25)
Facebook
4.5 (4)

Why choose this provider?

Tom Lease Insurance, LLC, serves clients in Louisville and the surrounding metros. The locally owned and operated business provides a variety of personal and commercial insurance plans, including auto insurance. As an independent insurance agency, its agents represent multiple local carriers and assist clients in selecting the best coverage option for their specific needs. The team also handles homeowners', motorcycle, life, health and disability, and business insurance. Tom Lease, a local insurance broker, founded the company in 1974.

  • Multiple Carriers

1200 Payne Street, Louisville, KY 40204
WebsiteLicense: 936484

Expertise.com Rating

Review Sources

Facebook
4.7 (46)
Google
4.9 (33)

Why choose this provider?

Hoak Insurance Services is a family-owned and family-operated agency that serves policyholders throughout the Louiseville area. For 18 years, it has been providing various personal insurance products, such as watercraft, auto, valuable possession, umbrella, and secondary home insurance. Its automobile policies cover RV, classic car, off-road vehicle, and motorcycle. Its team of independent insurance agents and advisors worked in a variety of business industries, including auto body shops, franchise car dealerships, and garage repair shops. The firm has served 11,000 customers in five states, including Pennsylvania.

201 S Sherrin Ave, Louisville, KY 40207
WebsiteLicense: 356934

Expertise.com Rating

Why choose this provider?

St Matthews Agency offers a wide variety of insurance products—including auto, home, farm, health, and life policies—to clients in Louisville. Its car insurance plans are designed to cover collision expenses including property damage repairs and medical treatments. The agency's manager, Denzil Blevins, assists clients with choosing and adjusting car insurance policies parallel to their needs and budgets. The agency is part of the Kentucky Farm Bureau network, which has been in the insurance industry for over 74 years.

  • Multiple Carriers

9322 Taylorsville Road Suite 1-A, Louisville, KY 40299
WebsiteLicense: 805143

Expertise.com Rating

Why choose this provider?

Jecker and Edelen Insurance Agency, LLC is an independent company operating in Louisville and nearby areas. It offers auto insurance with coverage options including liability, no-fault, comprehensive, and collision. The insurance plan protects the policyholder from financial losses caused by unexpected circumstances like theft, fire, or road accidents. Coverages are also available for classic cars from manufacturers like Corvette, Mustang, and Thunderbird. The company represents multiple insurance companies including Banner Life, Genworth Financial, and State Auto Insurance.

  • Multiple Carriers

9850 Von Allmen Court, Louisville, KY 40241
WebsiteLicense: 19711463

Expertise.com Rating

Review Sources

Google
4.8 (17)

Why choose this provider?

Bluegrass Insurance Advisors, LLC, is an agency that provides its products and services to clients in Louisville and the surrounding areas. One of its products includes auto insurance which offers financial protection against theft of and damage to the vehicle. It offers coverages for uninsured motorists, bodily injury liability, and medical payments. Bluegrass Insurance Advisors aims to protect families and individuals, as well as their assets. Its other products include home, life, disability, renters, business, and ATV insurance.

  • Auto Insurance

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Clear Choice Insurance
6801 Dixie Hwy 216, Louisville, KY 40258
Rick Hickman Insurance Agency
6801 Dixie Hwy Ste 212, Louisville, KY 40258
Cornerstone Insurance Agency, LLC
7321 New La Grange Road Suite 140, Louisville, KY 40222
Reynolds Insurance Group
11820 Ransum Way Suite 201, Louisville, KY 40243
Local Choice Insurance
13117 Eastpoint Park Blvd. Ste. D, Louisville, KY 40223
Sullivan Insurance Agency
635 North Broadway, Louisville, KY 40508
Assure America
806 Stone Creek Pkwy, Suite #11, Louisville, KY 40223
Palacio Miller Agency
3103 Breckenridge Ln, Suite 6, Louisville, KY 40220
McCormick Advantage Insurance Agency, LLC
9200 Shelbyville Rd Suite 103, Louisville, KY 40222
Jerry Kays Insurance
3701 Taylorsville Rd Ste 1A, Louisville, KY 40220
Turner Insurance Agency, Inc.
2460 Shelbyville Rd, Shelbyville, KY 40065
Jeremy Graham
5438 New Cut Road Suite 102, Louisville, KY 40214
Dick Watts Insurance
12200 Shelbyville Rd #112, Louisville, KY 40243
Steve Woodrum
101 Saint Clair Street, Louisville, KY 40601
The Insurance Artist
Louisville, KY
Tom Lease Insurance, LLC
4100 Taylorsville Road, Louisville, KY 40220
Hoak Insurance Services
1200 Payne Street, Louisville, KY 40204
St Matthews Agency
201 S Sherrin Ave, Louisville, KY 40207
Jecker and Edelen Insurance Agency, LLC
9322 Taylorsville Road Suite 1-A, Louisville, KY 40299
Bluegrass Insurance Advisors, LLC
9850 Von Allmen Court, Louisville, KY 40241

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Which Louisville drivers should consider purchasing coverage beyond the minimum requirements?

    Drivers in Louisville who own a vehicle younger than a decade or with a value exceeding $5,000 need to consider purchasing insurance that exceeds the minimum coverage required by the state of Kentucky. The mandated minimum liability coverage includes $25,000 for bodily injury per individual, $50,000 for physical injury per accident involving multiple injured parties, and $10,000 for property damage.

  • What is the average annual cost of car insurance in Louisville?

    The average car insurance rate in Louisville is $1,610 per year. Across the state, the yearly premiums average $1,405, while the national annual premium stands at $1,424. This means that insurance premiums in the city are 14.6% higher than the state average and 13% higher than the national average.

  • Can Louisville drivers reject Kentucky’s no-fault car insurance coverage option?

    Yes. Louisville drivers have the option to opt out of Kentucky's no-fault coverage by either covering their medical expenses directly or relying on their health insurance. Under the no-fault option, insured drivers can seek compensation from their own insurance companies for injuries and damages resulting from an accident. However, they can only pursue a liability claim against the at-fault driver if their injuries meet certain criteria outlined in the state's insurance laws.

  • What are the consequences of driving uninsured in Louisville?

    Louisville motorists who are caught driving without insurance can face several consequences, including fines, vehicle registration suspensions, and potential jail time. First-time violators may be subjected to a fine that could reach as high as $1,000, along with the suspension of their vehicle registration for a specified period and a potential jail term of up to 90 days. They will also be responsible for covering their own medical expenses and vehicle repair costs resulting from any accidents they may cause.

  • Are immediate family members who live with a Louisville driver named in the car insurance policy covered by default?

    Yes. For instance, when a Louisville couple possesses three cars and permits their residing children to operate them, the insurance coverage extends to the children in case of an accident. Nevertheless, according to Kentucky Revised Statutes Section 304.39-045, policyholders have the option to exclude their family members from their insurance policies. This exclusion can lead to reduced annual premiums.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.