120+ more*Quotes generated for Insurify users in and around Lexington, Kentucky within the last 10 days. Last updated on June 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
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Updated
The average monthly cost of car insurance in Lexington is $122 for state-minimum coverage and $187 for full coverage.
Lexington’s rates are lower than Louisville’s, where full coverage costs an average of $272 per month. The Louisville metro area has the highest car accident rate in the state.[1] But premiums in Lexington are pricier than in suburban Florence, where state-minimum Kentucky car insurance averages just $104 per month.
Lexington’s premiums are similar to the overall average Kentucky car insurance rates.
Lexington drivers pay an average of $122 per month for liability-only car insurance. Lexington’s average liability insurance rates are comparable to the Kentucky state average of $120 per month.
All drivers in the state must meet Kentucky’s minimum insurance requirements. You need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.[2] Kentucky is a no-fault state, so policies typically also include $10,000 of personal injury protection (PIP).
The following table shows the cheapest car insurance companies for liability-only insurance in Lexington.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $62 |
| National General | $73 |
| Auto-Owners | $74 |
| State Farm | $78 |
| Direct Auto | $86 |
| GEICO | $88 |
| Safeco | $91 |
| USAA | $96 |
| Root | $105 |
| Allstate | $113 |
| The General | $114 |
| Trexis | $115 |
| State Auto | $116 |
| Dairyland | $120 |
| Liberty Mutual | $124 |
| Bristol West | $126 |
| Travelers | $126 |
| Trexis One | $142 |
| Nationwide | $166 |
| Shelter | $203 |
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Drivers in Lexington pay an average of $187 per month for full-coverage insurance.
Full-coverage car insurance is optional, but it has more protection than liability coverage. Liability insurance doesn’t pay for damages to your car, which is important to know since Fayette County has a relatively high accident rate. The area had more than 12,000 collisions in 2024, according to the Kentucky Transportation Center.
Kentucky drivers also have an above-average risk of hitting a wild animal, which full-coverage insurance would also pay for.[3]
The table below shows the most affordable auto insurance companies for full-coverage insurance policies in Lexington.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| National General | $124 |
| Auto-Owners | $125 |
| Safeco | $126 |
| Progressive | $127 |
| Direct Auto | $129 |
| State Farm | $129 |
| CSAA | $139 |
| GEICO | $146 |
| USAA | $159 |
| Root | $160 |
| Liberty Mutual | $186 |
| Allstate | $189 |
| State Auto | $192 |
| Trexis | $196 |
| Travelers | $209 |
| Bristol West | $247 |
| The General | $255 |
| Dairyland | $257 |
| Trexis One | $261 |
| Nationwide | $277 |
| Shelter | $339 |
Lexington is one of the most expensive cities for car insurance in Kentucky, with an average monthly premium of $122, according to Insurify data.
Suburban Florence is the cheapest city for auto insurance in Kentucky, with an average monthly premium of $104. Louisville is the most expensive, with an average premium of $194 per month.
Lexington is relatively safe from tornadoes and hurricanes compared to other parts of Kentucky. But it’s the second-most populous city in the state and prone to traffic congestion. Nearby Richmond has slightly cheaper rates, likely due to its lower population density.
Fayette County also has higher collision and motor vehicle theft rates than suburban areas like Boone County. Auto insurers consider theft and accident rates when setting premiums.[4]
The following table shows the average car insurance premiums for several cities in Kentucky, based on Insurify data.
City | Average Monthly Quote |
|---|---|
| Bowling Green | $149 |
| Elizabethtown | $148 |
| Henderson | $146 |
| Lexington | $155 |
| Louisville | $233 |
| Owensboro | $138 |
| Paducah | $155 |
| Richmond | $145 |
Car insurance in Lexington is more expensive than the national average — especially for liability coverage — for a few reasons:
State insurance requirements: Kentucky requires PIP coverage, which raises car insurance premiums. The state also has a minimum dollar amount for lawsuits, which can indirectly raise insurance rates.[5]
Uninsured motorists: About 14% of Kentucky drivers don’t have car insurance, which raises premiums for insured drivers.[6]
High rate of fatal crashes: In 2023, Kentucky had the third-highest collision fatality rate in the U.S.[7] Fayette County had the second-most car accident deaths in the state in 2023 and 2024.
*Quotes generated for Insurify users in and around Lexington, Kentucky within the last 10 days. Last updated on June 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Almost every insurer considers your driving record when calculating your premium. But each company weighs violations like car accidents and speeding tickets differently, so you can save money by comparing quotes.
Here are the cheapest insurers in Lexington for different driving records:
Cheapest car insurance for Lexington drivers with a clean driving record: Progressive
Cheapest car insurance for drivers with a speeding ticket in Lexington: Progressive
Cheapest car insurance for Lexington drivers with an at-fault accident: Progressive
Cheapest car insurance for drivers with a DUI in Lexington: Progressive
Most Lexington drivers have a clean record. Just over 5% of drivers in the city have an accident on their record, and 3% have a speeding ticket, according to Insurify data. While car insurance premiums increase by an average of 34% after an accident, some companies are more lenient than others.
The same goes for premium increases after a driving under the influence (DUI) conviction. In Kentucky, DUIs stay on your driving record for five to 10 years. That makes shopping around for affordable insurance after a DUI a smart idea.
The table below shows the average car insurance rates for drivers with different violations in Lexington.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $155 |
| Speeding ticket | $196 |
| At-fault accident | $205 |
| DUI | $195 |
While Lexington may not have as much traffic as Louisville, there are still some important things to know about driving in the city.
Lexington recently lowered speed limits near schools and parks and increased penalties for repeat offenders. Police are also monitoring for distracted driving along high-traffic routes like Richmond Road and New Circle Road. Officers can stop you solely for using your phone while driving.
To ease traffic congestion, Lexington installed roundabouts at many intersections. Roundabouts can improve traffic flow but may pose an accident risk to drivers unfamiliar with the traffic patterns.
Lexington has a fair amount of traffic, with drivers spending an average of 57 hours in congestion in 2024, according to the Texas A&M Transportation Institute.[8] Lexington drivers also spend an average of 24 minutes commuting every day.
Some major routes experience particularly heavy traffic, including Richmond Road, Tates Creek Road, and the Nicholasville Road and Man o’ War Boulevard intersection. High amounts of traffic congestion can increase rates because insurers think you’re more likely to file a claim.
In Kentucky, teens need to be at least 16 years and six months old to get a driver’s license. The state has a graduated license program that restricts the hours teens can drive and the number of passengers they can have in the car.[9] Drivers younger than 18 can’t drive between 12 a.m. and 6 a.m. or have more than one passenger unless a licensed driver older than 21 is present.
Teen drivers in Lexington pay an average of $265 per month for car insurance.
While auto insurers typically charge high premiums for teen drivers, some companies offer more affordable rates than others. The table below shows the cheapest insurance for teen drivers in Lexington.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $106 |
| National General | $142 |
| Auto-Owners | $147 |
| State Farm | $147 |
| Root | $153 |
| GEICO | $154 |
| Direct Auto | $163 |
| USAA | $172 |
| Safeco | $180 |
| Trexis | $197 |
| The General | $199 |
| Dairyland | $203 |
| Liberty Mutual | $211 |
| Bristol West | $217 |
| Allstate | $218 |
| Trexis One | $243 |
| Travelers | $256 |
| State Auto | $276 |
| Nationwide | $315 |
| Shelter | $394 |
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Lexington-Fayette County is home to the University of Kentucky and has a relatively young population. Fewer than 15% of its residents are age 65 or older.[10]
While there may not be many senior drivers in the city, they still usually pay some of the lowest car insurance rates. Senior drivers in Lexington pay an average of $135 per month for coverage.
The following table shows the cheapest insurance rates for senior drivers in Lexington.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Progressive | $54 |
| National General | $58 |
| Auto-Owners | $59 |
| State Farm | $62 |
| GEICO | $70 |
| Direct Auto | $71 |
| USAA | $78 |
| Safeco | $80 |
| State Auto | $88 |
| Allstate | $92 |
| Root | $97 |
| The General | $98 |
| Trexis | $100 |
| Travelers | $101 |
| Dairyland | $102 |
| Liberty Mutual | $104 |
| Bristol West | $106 |
| Trexis One | $124 |
| Nationwide | $128 |
| Shelter | $145 |
Here are the answers to some common questions from Lexington drivers about car insurance in the Bluegrass State.
The average car insurance premium in Lexington is $155 per month. Minimum-coverage car insurance costs an average of $122 per month, and full coverage averages $187. But your personal rates depend on many factors, like your ZIP code, driving record, and the insurance company you choose.
Progressive has the cheapest liability-only car insurance in Lexington, with an average premium of $62 per month. But how much you pay for car insurance depends on many different factors. The car you drive, your ZIP code, and the coverage you choose all affect your premium.
The average cost of car insurance in Kentucky is $155 per month. Liability coverage averages $120 per month, while full coverage costs an average of $191.
Lexington’s traffic congestion and severe weather risks can increase car insurance rates in the city. Kentucky’s no-fault law, high rate of uninsured motorists, and above-average collision fatality rate also drive up premiums. Personal details like your gender, age, and driving record also affect the cost of car insurance in Lexington.
Shopping around and comparing rates from multiple companies is one of the easiest ways to lower your car insurance costs in Kentucky. You can also ask your insurer about any discounts it offers. Many companies offer savings when you bundle your auto coverage with renters or homeowners insurance.
Insurify data scientists analyzed more than 190 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:
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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5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.