Jefferson County has 783,022 residents in 331,554 households. We list 21 agencies for health insurance in Louisville. Here is what the local numbers say about the cover people here need.

Louisville at a glance

21health insurance agencies listed
37.9%of households rentRenters insurance
$248,400median home valueHome insurance
1972median year homes were builtRebuild cost calculator
8.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Jefferson County (the Census does not publish Louisville as a separate place). Agency count: our listings.

Natural hazard risk in Jefferson County

FEMA rates the overall natural hazard risk in Jefferson County, where most Louisville agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Louisville
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Winter weatherRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Louisville
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Louisville

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Kentucky

Kentucky requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. A combined single limit of $60,000 is accepted instead. It also requires personal injury protection ($10,000). Kentucky is a choice state: drivers choose between no-fault and traditional at-fault cover.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Louisville How much liability cover do you need?

Source: apps.legislature.ky.gov, limits in force since 2018-01-01. Checked 2026-10-24.

Insurance companies Louisville agencies work with

Of the 21 Louisville agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare12 agencies
Humana11 agencies
Medicare Advantage11 agencies
Aetna8 agencies
Blue Cross Blue Shield8 agencies
Centene8 agencies
Devoted Health Plan of Texas,7 agencies
Nationwide6 agencies
Ameritas Life Insurance5 agencies
Corebridge (AIG Life)5 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Louisville agencies are

Louisville agencies we list sit in 12 ZIP codes, mostly in Jefferson County.

402023 agencies
402413 agencies
402072 agencies
402202 agencies
402222 agencies
402232 agencies
402292 agencies
402061 agency
402161 agency
402421 agency
402911 agency
402991 agency

Questions

Health insurance in Louisville

All insurance agencies in Louisville · Health insurance across Kentucky

Where can I find health insurance in Louisville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Louisville agencies work with?

Among the 21 Louisville agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (12), Humana (11), Medicare Advantage (11), Aetna (8), Blue Cross Blue Shield (8). An appointed agency can quote that company's policies.

Do I need flood insurance in Louisville?

FEMA's National Risk Index rates inland flooding risk in Jefferson County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Health insurance near Louisville

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