Cheapest Auto Insurance in Lexington, Kentucky (2026)
Progressive offers the cheapest car insurance in Lexington, with minimum-coverage policies as low as $77 per month.
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Table of contents
Around 320,000 people live in Lexington, the second-largest city in Kentucky. Lexington drivers pay an average of $118 per month for liability car insurance, which is higher than the national average liability insurance rate of $99 but lower than the state average of $116.
Lexington has a lower risk of tornadoes than elsewhere in the state, which helps explain why the city’s average rate is a bit lower than the state average.[1] Northern Kentucky, in particular, faces a higher frequency of tornadoes.[2]
Here’s what you need to know about finding cheap auto insurance in Lexington, including comparing quotes, coverage options, and more.
Quick Facts
Progressive, National General, and Auto-Owners offer the cheapest liability insurance in Lexington.
On average, full-coverage auto insurance costs $176 per month in Lexington.
Drivers can reject the state’s required personal injury protection (PIP) coverage because Kentucky is a “choice” no-fault state.[3]
3 of the cheapest car insurance companies in Lexington
Car insurance companies determine rates using different methods, so the cheapest option for you in Lexington depends on your insurance needs and driver profile. Key factors auto insurance companies consider include your vehicle type, age, driving record, and ZIP code.
Shopping around for coverage from multiple insurers is the best way to find the cheapest rates. Check out a few of the top insurance companies in Lexington below to begin your search. The average quotes displayed below reflect statewide costs for Kentucky drivers.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| National General | 7.0 | $156 | $92 | Cheap rates |
| USAA | 9.1 | $200 | $132 | Veterans |
| State Farm | 9.3 | $162 | $107 | Families |
Best insurer for cheap rates: National General
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $154/mo |
3.7
A solid optionBased on 828 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (338)
Jean
Verified Review
National General Review
Reviewed in North Carolina on December 2025
I decided to start paying monthly, and it was a hundred dollars more than if I paid every six months. It's a rip-off. I will shop around before my 6 months is up in June 2026.
John
Verified Review
All about money, forget the customer and what should be done!
Reviewed in North Carolina on December 2025
I had a bad experience since both cars were insured by National General. We were both listed at fault when the other driver was going in the wrong direction in a no-pass zone. Since both cars had the same insurance, they increased the insurance rates on both cars. Poor decision. I'm looking for another company now!
Robert
Verified Review
Expensive Auto Insurance
Reviewed in Texas on December 2025
These guys are very expensive compared to other companies. I would not recommend them.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Owned by Allstate, National General offers auto insurance, homeowners insurance, renters insurance, and more. The company has a network of more than 55,000 independent insurance agents in the country.
Pros
Works with high-risk drivers
Extensive add-on coverage options
Cons
Below-average J.D. Power customer satisfaction rating
Life insurance not available
Best insurer for veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $130/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $196/mo |
4.9
Best choiceBased on 2,559 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,367)
Scott
Verified Review
USAA is good but shop around. You could do better.
Reviewed in Colorado on December 2025
Overpriced compared to other carriers.
Don
Verified Review
Good coverage and great customer service.
Reviewed in Indiana on December 2025
My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.
Marc
Verified Review
Staying with
Reviewed in Massachusetts on December 2025
Unique and much cheaper than any others.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA provides a variety of financial products, including auto and home insurance, to military members, veterans, and their families. USAA has high customer satisfaction ratings and an AM Best financial strength rating of A++ (Superior).
Pros
SafePilot program can save good drivers up to 30%
Affordable coverage
Cons
Only available to military members, veterans, and their families
Customer support not available 24/7
Best insurer for families: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $106/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
4.1
Best choiceBased on 13,214 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,692)
Steve
Verified Review
Current Insurance
Reviewed in California on December 2025
Premiums are too high, but they are high everywhere.
Larry
Verified Review
Excellent
Reviewed in Washington on December 2025
Great, except they keep raising rates.
David
Verified Review
Big Dave’s Review
Reviewed in Kentucky on December 2025
Great coverage and it's nice how State Farm provides linking coverage across vehicles so you do not overpay for the same coverage across multiple vehicles. If you pay for certain coverage on one vehicle, it is applied to all vehicles, which saves quite a bit of money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers Lexington drivers some of the cheapest car insurance options. The company offers plenty of opportunities for families to save through bundling, good student discounts, and more.
Pros
Above-average J.D. Power customer satisfaction rating
Cheap coverage
Cons
Gap insurance not available
Accident forgiveness not available
How to get the cheapest car insurance in Lexington
You can’t avoid paying for car insurance, but you can likely earn a lower car insurance premium. Consider the following ways to save:
Shop around. Every car insurance company takes a slightly different approach when determining rates. To find the lowest rates available for your situation, take the time to compare quotes from multiple insurers.
Find discounts. Most insurance companies offer some discounts. Find out if you qualify for any. Common discounts for drivers include those for having a clean record, bundling coverage, installing safety features, and more.
Increase your deductible. Drivers with a higher deductible typically pay lower car insurance rates. If you can comfortably cover a higher deductible, consider changing your policy.[4]
Find Cheap Car Insurance in Lexington
Liability insurance quotes start at $77 per month
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Cheapest liability-only car insurance in Lexington: Progressive
Liability-only car insurance includes coverage for property damage and bodily injury you cause others during a car accident. After an accident, the insurance policy can help you pay to repair the other driver’s vehicle or cover their medical bills.
This coverage type is typically the cheapest car insurance option, but it doesn’t cover your vehicle at all after an accident.[5] For this reason, liability-only coverage works best for drivers who have older, less-expensive vehicles, and who don't have a lease or loan.
The average cost of liability insurance in Lexington is $118 per month. You can find the cheapest options for liability coverage in Lexington below.
The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $77 |
| National General | $91 |
| Auto-Owners | $102 |
| State Farm | $106 |
| Direct Auto | $107 |
| Safeco | $114 |
| GEICO | $119 |
| Root | $120 |
| USAA | $130 |
| Bristol West | $147 |
| Allstate | $154 |
| Dairyland | $154 |
| State Auto | $157 |
| The General | $161 |
| Travelers | $171 |
| Liberty Mutual | $179 |
| Nationwide | $226 |
| Shelter | $277 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lexington: Progressive
In addition to liability coverage, a full-coverage policy includes comprehensive and collision coverage. After an accident, collision coverage can help you pay to repair or replace your vehicle. Comprehensive coverage kicks in to pay for repairs caused by a non-collision incident, like a natural disaster or fallen tree. Full coverage also pays in case of vehicle theft or vandalism.
Most auto lenders require drivers to carry this coverage, so you may need to purchase it if you lease or finance your vehicle. It provides drivers with more financial protection in the event of an accident. Drivers with new or expensive vehicles should consider purchasing it.
On average, Lexington drivers pay $176 per month for full-coverage insurance. Here are the cheapest full-coverage auto insurance policy options in Lexington.
The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $150 |
| Auto-Owners | $153 |
| National General | $154 |
| Direct Auto | $155 |
| State Farm | $160 |
| Safeco | $160 |
| CSAA | $179 |
| GEICO | $181 |
| Root | $190 |
| USAA | $196 |
| Allstate | $232 |
| State Auto | $236 |
| Liberty Mutual | $237 |
| Travelers | $257 |
| The General | $290 |
| Bristol West | $295 |
| Nationwide | $340 |
| Dairyland | $344 |
| Shelter | $417 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lexington, Kentucky
Recent Lexington, Kentucky car insurance prices for Nissan, Hyundai, Toyota , and more.
*Quotes generated for Insurify users in and around Lexington, Kentucky within the last 10 days. Last updated on January 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lexington, Kentucky within the last 10 days. Last updated on January 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kentucky
Lexington drivers must carry a minimum of liability coverage to drive in the Bluegrass State. Kentucky state law operates under a choice no-fault system. Though the state requires a minimum amount of personal injury protection (PIP) for medical costs, drivers can choose to reject the basic coverage — and related benefits — in writing to the Department of Insurance.[6]
Here are the specific minimum car insurance requirements in Kentucky:[7]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 per accident |
Here are some additional optional coverages you might want to consider for more protection:
Collision coverage
When you get in an accident, collision insurance helps you pay for necessary repairs to get back on the road.
Comprehensive coverage
If your vehicle is damaged by a non-collision incident, comprehensive insurance can help you repair or replace the car. This can apply to damage from fires, severe weather, vandalism, and more.
Roadside assistance coverage
Though specifics vary by company, roadside assistance coverage typically includes towing, lockout service, tire change, jump-starts, transportation assistance, gas delivery, and winching.
Cheapest car insurance for drivers with an incident
Some mistakes on the road can lead to traffic violations on your driving record. Common incidents — including speeding tickets, driving under the influence charges, and at-fault accidents — often lead to higher insurance premiums.[8] Lexington drivers with clean records tend to pay the most affordable insurance premiums.
Shop for Car Insurance in Lexington, KY
Monthly rates start at $94 for drivers with an incident
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Based on 7,669+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Progressive
If you get caught speeding, your speeding ticket typically comes with a fine. Most insurance companies also charge higher premiums to drivers with one or more speeding tickets on their record. A single speeding ticket shouldn’t affect your premium as much as more serious violations, like at-fault accidents and DUIs.
On average, Lexington drivers with a speeding ticket on their record pay $152 per month for liability insurance and $226 for full coverage.
Explore the average monthly liability insurance quotes for Lexington drivers with a speeding ticket from some of the cheapest insurers below.
The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $77 | $99 |
| National General | $91 | $115 |
| Auto-Owners | $102 | $134 |
| State Farm | $106 | $135 |
| Direct Auto | $107 | $136 |
| Safeco | $114 | $153 |
| GEICO | $119 | $157 |
| Root | $120 | $161 |
| USAA | $130 | $169 |
| Bristol West | $147 | $186 |
| Allstate | $154 | $202 |
| Dairyland | $154 | $193 |
| State Auto | $157 | $210 |
| The General | $161 | $217 |
| Travelers | $171 | $223 |
| Liberty Mutual | $179 | $231 |
| Nationwide | $226 | $295 |
| Shelter | $277 | $371 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
If you cause an accident, your auto insurer will typically increase your auto insurance premiums. Insurance companies view you as a higher-risk driver if you have one or more previous accidents on your record. The severity and resulting damage of your accident can also influence how much your premium increases.
The average cost of car insurance in Lexington for drivers with a past accident is $161 per month for liability insurance and $239 for full-coverage insurance. Here are the average monthly liability rates for Lexington drivers with an at-fault accident.
The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $77 | $105 |
| National General | $91 | $122 |
| Auto-Owners | $102 | $136 |
| State Farm | $106 | $141 |
| Direct Auto | $107 | $148 |
| Safeco | $114 | $162 |
| GEICO | $119 | $155 |
| Root | $120 | $161 |
| USAA | $130 | $175 |
| Bristol West | $147 | $195 |
| Allstate | $154 | $207 |
| Dairyland | $154 | $205 |
| State Auto | $157 | $215 |
| The General | $161 | $224 |
| Travelers | $171 | $231 |
| Liberty Mutual | $179 | $241 |
| Nationwide | $226 | $306 |
| Shelter | $277 | $375 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
A driving under the influence (DUI) charge is possibly the most serious incident you can have on your driving record. If you have a past DUI, you’ll likely pay significantly higher insurance premiums.
While average rates tend to increase across all insurance companies, shopping around can help you save on car insurance costs after a DUI. Lexington drivers with a DUI pay an average of $150 per month for liability coverage and $224 for full coverage.
Here are the cheapest rates for Lexington drivers with a DUI.
The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $77 | $98 |
| National General | $91 | $125 |
| Auto-Owners | $102 | $140 |
| State Farm | $106 | $146 |
| Direct Auto | $107 | $147 |
| Safeco | $114 | $169 |
| GEICO | $119 | $162 |
| Root | $120 | $165 |
| USAA | $130 | $179 |
| Bristol West | $147 | $202 |
| Allstate | $154 | $212 |
| Dairyland | $154 | $212 |
| State Auto | $157 | $216 |
| The General | $161 | $221 |
| Travelers | $171 | $235 |
| Liberty Mutual | $179 | $246 |
| Nationwide | $226 | $311 |
| Shelter | $277 | $381 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Progressive
Insurance companies consider your age when determining insurance costs. Between the ages of around 25 and 70, drivers benefit from a decades-long trend of lower rates. Car insurance costs tend to increase again slightly for drivers 70 and older. Auto insurers may charge higher rates to account for aging-related risk factors.
By taking the time to shop around, you can find the cheapest quote for your situation. Senior drivers pay $100 per month for liability insurance and $149 for full-coverage insurance in Lexington, on average.
Start your search with a look at the cheapest average monthly rates for senior drivers in Lexington below.
The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| National General | $120 | $71 |
| Auto-Owners | $121 | $80 |
| Direct Auto | $124 | $85 |
| State Farm | $125 | $83 |
| Progressive | $127 | $65 |
| Safeco | $139 | $99 |
| GEICO | $143 | $94 |
| USAA | $158 | $105 |
| Root | $158 | $100 |
| State Auto | $178 | $119 |
| Allstate | $188 | $124 |
| Liberty Mutual | $196 | $148 |
| Travelers | $204 | $136 |
| The General | $240 | $133 |
| Bristol West | $243 | $121 |
| Nationwide | $258 | $172 |
| Dairyland | $289 | $129 |
| Shelter | $295 | $196 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
With less experience on the road, teen drivers face the highest rates by age group. The average cost of car insurance for teenagers in Lexington is $216 per month for liability coverage and $323 for full-coverage insurance. Auto insurers view young drivers as more likely to demonstrate risky or reckless driving behavior and have accidents.
Though young drivers usually pay more, you don’t have to pay more than necessary. You can try receiving lower rates by shopping around for car insurance, signing up with your parents’ insurance company, driving a safe car, earning good grades, completing and approved driver education course, and increasing your collision and comprehensive deductible.[9]
Here are the cheapest car insurance companies for young drivers in Lexington.
The below rates are estimated rates current as of: Thursday, January 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Progressive | $275 | $141 |
| Direct Auto | $303 | $209 |
| Auto-Owners | $306 | $204 |
| State Farm | $311 | $206 |
| National General | $313 | $185 |
| Safeco | $325 | $231 |
| GEICO | $328 | $215 |
| Root | $332 | $209 |
| USAA | $364 | $241 |
| Liberty Mutual | $419 | $317 |
| Allstate | $461 | $306 |
| The General | $509 | $283 |
| Bristol West | $529 | $263 |
| Travelers | $532 | $354 |
| State Auto | $577 | $384 |
| Dairyland | $579 | $259 |
| Nationwide | $667 | $443 |
| Shelter | $836 | $556 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Lexington car insurance quotes by credit tier
Drivers with excellent or good credit generally pay less for car insurance than drivers with poor credit. Kentucky insurance companies can consider your credit history when determining premiums, so your credit history will likely influence your premium.
Here are the average full-coverage rates by credit tier for Lexington drivers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lexington?
Auto insurance in Lexington is more expensive than the national average. On average, Lexington drivers pay $118 per month for liability insurance and $176 for full coverage. The monthly national average, for comparison, is $99 for liability coverage and $175 for full coverage.
Car insurance in Lexington is comparable to the state average cost of insurance in Kentucky, which is $116 per month for liability and $182 for full-coverage insurance.
Residents of Lexington have rates lower than the state average due to a smaller population and less traffic congestion than Kentucky’s largest city, Louisville. Lexington has a population per square mile of around 1,150, while Louisville’s per square mile population is about 4,000, according to 2020 data from the United States Census Bureau. Lexington also has less of a risk of tornadoes than other, more northern, parts of Kentucky.
More cities in Kentucky
Lexington is a growing city in Kentucky. If you live in a different part of the state, you’ll likely find different car insurance costs. On average, Lexington drivers pay $176 per month for full-coverage insurance and $118 for liability coverage. See how average rates compare in other Kentucky cities below.
City | Liability Only | Full Coverage |
|---|---|---|
| Bowling Green | $109 | $175 |
| Elizabethtown | $113 | $168 |
| Florence | $100 | $153 |
| Henderson | $108 | $164 |
| Louisville | $184 | $257 |
| Madisonville | $94 | $163 |
| Owensboro | $98 | $158 |
| Paducah | $114 | $187 |
| Richmond | $111 | $172 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lexington car insurance FAQs
Before beginning your search for the right car insurance company, you should decide how much coverage you need. The information below should help answer any remaining questions and navigate the process of buying car insurance in Lexington.
How much is car insurance in Lexington?
Car insurance in Lexington costs $118 per month for liability insurance and $176 for full-coverage insurance. Your rate will depend on your insurer, driver profile, vehicle type, age, and more.
Who has the cheapest car insurance in Lexington?
Progressive has the cheapest liability insurance in Lexington, with a rate of $77 per month. National General and Auto-Owners also offer affordable coverage, with respective monthly liability insurance rates of $91 and $102.
What are the best car insurance companies in Lexington?
State Farm is the best car insurance company in Lexington because of its Insurify Quality (IQ) Score of 9.3 out of 5, strong customer satisfaction rankings from J.D. Power, and an AM Best financial strength rating of A++ (Superior). On average, Lexington drivers with coverage from State Farm pay $107 for liability coverage and $162 for full-coverage insurance.
USAA has the best insurance for military members, veterans, and their families, and National General is a great option for high-risk drivers.
Is car insurance more expensive in Kentucky?
Yes. Car insurance in Kentucky is more expensive than the national average. On average, Kentucky drivers pay $116 per month for liability and $182 for full coverage. The overall national average is $99 for liability insurance and $175 for full-coverage insurance. Kentucky drivers may pay more for coverage because of the risk of severe weather in the area, including tornadoes, flooding, and winter storms.
Is Kentucky a no-fault state?
Yes. Kentucky is a choice no-fault state. In most cases, each driver involved in an accident needs to file a claim with their insurer to cover the cost of medical expenses. The state technically requires drivers to purchase a minimum amount of PIP coverage, but drivers have the option to reject the coverage in writing to the Kentucky Department of Insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Federal Emergency Management Agency. "National Risk Index: Tornado."
- Britannica. "Tornado Alley."
- Kentucky Public Protection Cabinet Department of Insurance. "No Fault Rejection/Verification (PIP)."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- NOLO. "Kentucky No-Fault Car Insurance."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto insurance for teen drivers."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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