Coverage designed with Louisville in mind
Louisville, Kentucky's largest city, sits along the Ohio River and serves as a major cultural and economic hub where Southern and Midwestern influences converge. Known globally as the home of the Kentucky Derby at Churchill Downs and birthplace of Muhammad Ali, the city combines its rich heritage with a modern culinary scene. Louisville’s location at the intersection of I-64, I-65, and I-71 makes it a central point for the region’s transportation and connects it to the majority of major Midwestern and Southern cities.
Every state has different auto insurance requirements. If you are a Louisviille driver, look at the list below for minimum coverage and coverage limits in Kentucky. These requirements are just a starting point – you may want to purchase additional coverages or increase your coverage limits.
Allstate offers auto insurance across all 66 Louisville zip codes, from 40201 to 40299. A Louisville Allstate agent can help you understand the different types of insurance available to you.
Louisville car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in Kentucky, so must be carried by all Louisville drivers.
More specifically, the following liability coverages are the minimum required in Louisville:
- $25,000 bodily injury liability limit per person
- $50,000 bodily injury liability limit per accident
- $25,000 property damage liability
Uninsured/Underinsured motorist coverage, collision¹ and comprehensive¹ coverage is not required for Louisville drivers. In Kentucky, no-fault/personal injury protection insurance coverage is optional.
All coverages are subject to the coverage limits stated in your policy.
¹Although Kentucky law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Louisville auto insurance discounts
You may be eligible for quality coverage in Louisville at a lower rate than you might think. With options to bundle insurance policies, use an anti-theft device and more, Louisville drivers can find many ways to save with Allstate.
Multiple policy discount
You can lower your monthly premium when you carry more than one Allstate insurance policy. For instance, if you bundle your home and auto policy, you can save on both.
New car discount
You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.
Student driver discounts
Teens deserve car insurance that's both great on the road and easy on your budget. Just because they’re new drivers doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Louisville teen driver meets these requirements:
- Is a single, full-time student under the age of 25 and getting good grades
- Attends school at least 100 miles away from where the car is garaged
- Successfully completes the teenSMART® driver education program
Contact your local Louisville agent today to learn more about these and other car insurance discounts that may be available.
Proof of insurance in Louisville
Drivers in Louisville can show an electronic insurance card if they are stopped by the police and asked to show an auto insurance card, Most states, including Kentucky, permit drivers to show an electronic copy of their insurance card on a mobile device during a traffic stop.