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Louisville Car Insurance (KY)Louisville, Kentucky drivers are lucky to pay lower than average car insurance premiums; with the average insurance cost per driver around $882. This is an increase of over 20% in just 3 years however, so it's still a good idea to look for ways to keep your car insurance premiums low. The cost of living in Louisville is about 11% below the national average, with apartment rentals approximately $600 monthly, the 556,429 population enjoys affordable living. Get a free Louisville car insurance quote today >> Car Insurance Requirements in Louisville, KYThe state of Kentucky operates under a “choice” no-fault auto insurance law instead of a Tort System or basic no-fault law. In other words, if you are involved in an accident in Kentucky you can choose to reject the no-fault coverage of $10,000 for medical expenses, expenses due to accident related injuries and lost wages regardless of who is at fault and choose to sue the other driver(s) for auto-related injuries. All drivers must carry the Kentucky mandated insurance minimums of $25,000 for bodily injury coverage and $50,000 per accident for bodily injury, and $10,000 property damage coverage per accident. It is also required that drivers carry $10,000 towards medical expenses, loss of income and/or funeral expenses. Ways to Save Money on Your Louisville Car InsuranceIn Kentucky, you can choose to increase the amount of car insurance coverage you have, or increase your deductibles to make your premiums more affordable. Other ways to keep the cost of your Louisville car insurance down is to take a driver's education course, drive a high rated safety vehicle, and avoid vehicles that are most often stolen in Louisville. Here is a list of the top ten most commonly stolen vehicles in Louisville which will cause your insurance premiums to be higher:
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