Cheapest Auto Insurance in Lexington, Kentucky (2024)

Auto-Owners offers the cheapest car insurance in Lexington, with minimum-coverage policies as low as $58 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated May 29, 2024

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Cheapest recent rates near Lexington, Kentucky

Recent Lexington, Kentucky car insurance prices for Dodge, Nissan, Toyota , and more.

*Quotes generated for Insurify users in and around Lexington, Kentucky within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Around 320,000 people live in Lexington, the second-largest city in Kentucky. Lexington drivers pay an average of $161 per month for liability car insurance, which is higher than the national average liability insurance rate of $104 but lower than the state average of $176.

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
  • Auto-Owners, State Farm, and GEICO offer the cheapest liability insurance in Lexington.

  • On average, full-coverage auto insurance costs $262 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
National General3.4$119$76Cheap rates
USAA4.7$126$80Veterans
State Farm4.6$103$65Families

Best insurer for cheap rates: National General

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$71/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.
$112/mo

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

Read our National General review
Salvatore - May 28, 2024
Verified

The premium has risen too high, $200 in 1 month

Not good.

Harold - May 28, 2024
Verified

My National General Experience

I felt like I was being taken advantage of every month. On top of that, I side-swiped a car that was parked at the exit of a roundabout at night. National General determined I was at fault without even conducting an investigation.

Kristi - May 27, 2024
Verified

Excellent

Very good. Rates are just high everywhere right now.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$74/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.
$118/mo

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

Read our USAA review
Jacqueline - May 28, 2024
Verified

Experience was fine other than the security issue

The only reason I'm looking for automobile insurance is because USAA canceled my policy on the 24th. I no longer have the phone that is in my profile and they were unable to send the 6-digit code for verification. So, basically, I was and still am locked out of my account. The representatives couldn't discuss my account with me due to strict security.

Joey - May 27, 2024
Verified

Bait and Switch at Its Worst

After receiving a quote of $54 for the first payment, and $40+ per month, Suzi insisted on 'reviewing' the answers I submitted online. She took this opportunity to add coverage I didn't request or want. When she finished, her offer was over $200/month. No thanks, 'Suzi'.

Mary - May 26, 2024
Verified

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

Best insurer for families: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$60/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.
$97/mo

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

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

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 $58 per month

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Cheapest liability-only car insurance in Lexington: Auto-Owners

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]

The average cost of liability insurance in Lexington is $161 per month. You can find the cheapest options for liability coverage in Lexington below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners58
State Farm60
GEICO68
National General71
USAA74
Safeco76
Allstate88
State Auto89
Travelers98
Progressive99
Clearcover104
Liberty Mutual107
Midvale Home & Auto111
Nationwide129
CSAA146
Shelter158
Bristol West164
The General236
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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.

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 $262 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, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners93
State Farm97
GEICO109
National General112
USAA118
Safeco127
Allstate140
State Auto153
Travelers156
Progressive159
Clearcover162
Nationwide181
Midvale Home & Auto185
Liberty Mutual204
CSAA220
Shelter251
Bristol West326
The General401
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Other Insurify Customers Pay in and around Lexington, Kentucky

Drivers in and around Lexington, Kentucky have found policies from The General, National General, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lexington, Kentucky within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    When you get in an accident, collision insurance helps you pay for necessary repairs to get back on the road.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $71 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 $224 per month for liability insurance and $365 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners5874
State Farm6076
GEICO6887
National General71100
USAA7494
Safeco7699
Allstate88112
State Auto89124
Travelers98126
Progressive99127
Clearcover104134
Liberty Mutual107151
Midvale Home & Auto111147
Nationwide129166
CSAA146192
Shelter158211
Bristol West164208
The General236305
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $221 per month for liability insurance and $360 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners5875
State Farm6078
GEICO6889
National General7192
USAA7496
Safeco7696
Allstate88115
State Auto89128
Travelers98129
Progressive99131
Clearcover104144
Liberty Mutual107153
Midvale Home & Auto111153
Nationwide129170
CSAA146199
Shelter158215
Bristol West164210
The General236314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $253 per month for liability coverage and $412 for full coverage.

Here are the cheapest rates for Lexington drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners5894
State Farm6098
GEICO68111
National General71115
USAA74120
Safeco76124
Allstate88143
State Auto89145
Travelers98159
Progressive99161
Clearcover104169
Liberty Mutual107174
Midvale Home & Auto111180
Nationwide129210
CSAA146237
Shelter158257
Bristol West164267
The General236384
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

Insurance companies consider your age when determining insurance costs. Between the ages of around 30 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 $132 per month for liability insurance and $214 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, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners7245
State Farm7546
GEICO8654
National General8957
USAA9358
Safeco10161
Allstate11270
Progressive11371
State Auto11768
Travelers12176
Clearcover12882
Nationwide13496
Midvale Home & Auto14084
Liberty Mutual16084
CSAA171114
Shelter175110
Bristol West259131
The General326192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $297 per month for liability coverage and $483 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, and increasing your deductible.[9]

Here are the cheapest car insurance companies for young drivers in Lexington.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Auto-Owners162101
State Farm166103
GEICO174108
USAA198124
National General211134
Allstate248156
Safeco268160
State Auto274159
Travelers284178
Progressive291181
Nationwide313223
Clearcover318204
Midvale Home & Auto326195
CSAA366243
Liberty Mutual384201
Shelter438276
Bristol West562283
The General658387
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 scores generally pay less for car insurance than drivers with poor credit scores. 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 $161 per month for liability insurance and $262 for full coverage. The monthly national average, for comparison, is $104 for liability coverage and $215 for full coverage.

Car insurance in Lexington is comparable to the state average cost of insurance in Kentucky, which is $176 per month for liability and $273 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 $262 per month for full-coverage insurance and $161 for liability coverage. See how average rates compare in other Kentucky cities below.

CityLiability OnlyFull Coverage
Bowling Green$161$259
Elizabethtown$186$311
Florence$101$206
Henderson$170$305
Louisville$282$378
Madisonville$152$264
Owensboro$127$196
Paducah$171$283
Richmond$177$258
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.

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 $161 per month for liability insurance and $262 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?

    Auto-Owners has the cheapest liability insurance in Lexington, with a rate of $58 per month. State Farm and GEICO also offer affordable coverage, with respective monthly liability insurance rates of $60 and $68.

  • 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 4.6 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 $65 for liability coverage and $103 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 $176 per month for liability and $273 for full coverage. The overall national average is $104 for liability insurance and $215 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Federal Emergency Management Agency. "National Risk Index: Tornado."
  2. Britannica. "Tornado Alley."
  3. Kentucky Public Protection Cabinet Department of Insurance. "No Fault Rejection/Verification (PIP)."
  4. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  5. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  6. NOLO. "Kentucky No-Fault Car Insurance."
  7. Kentucky Transportation Cabinet. "Mandatory Insurance."
  8. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  9. Insurance Information Institute. "Auto insurance for teen drivers."
Sarah Sharkey
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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