Around 320,000 people live in Lexington, making it the second-largest city in Kentucky. Lexington drivers pay around $139 per month for car insurance, which mirrors the overall national average and is around 15% less than the statewide average of $163 per month.

Drivers in Lexington may pay less for coverage than the statewide average because of the city’s lower risk of tornadoes than elsewhere in the state.^[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, Kentucky.

Quick Facts

Full-coverage auto insurance costs $165 per month, on average, in Lexington.
In Kentucky, auto insurers can consider your credit history when determining your premium.^[3]
Drivers can reject the state’s required personal injury protection (PIP) coverage, as Kentucky is a “choice” no-fault state.^[4]

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Best 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.

Best insurer for cheap rates: National General

Cheap RatesNational 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.	3.2
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.	$110/mo

Overview

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 and cons

Pros

Works with high-risk drivers
Extensive add-on coverage options

Cons

Below-average J.D. Power customer satisfaction rating
Life insurance not available

Reviews

My monthly payments are too high.

Brett - January 17, 2023

Verified

They’ve had good rates for more than five years.

Diana - January 17, 2023

Verified

They have the best prices for car insurance.

Charde - December 23, 2022

Verified

Read our National General review

Best insurer for veterans: USAA

VeteransUSAA

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.	4.3
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.	$82/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

Overview

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 and cons

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

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

Best insurer for families: State Farm

FamiliesState 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.	4.4
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.	$66/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.	$95/mo

Overview

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 and cons

Pros

Above-average J.D. Power customer satisfaction rating
Cheap coverage

Cons

Gap insurance not available
Accident forgiveness not available

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

Cheapest liability-only car insurance in Lexington

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]

You can find the cheapest options for liability coverage in Lexington below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Auto-Owners	64
State Farm	66
National General	71
GEICO	76
Safeco	79
USAA	82
Allstate	97
State Auto	98
Liberty Mutual	106
Travelers	107
Progressive	109
Midvale Home & Auto	110
Clearcover	123
Nationwide	142
Bristol West	154
CSAA	159
Shelter	173
The General	231

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

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.

Here are the cheapest full-coverage auto insurance policy options in Lexington.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Auto-Owners	91
State Farm	95
GEICO	108
National General	110
USAA	118
Allstate	139
Travelers	146
Clearcover	147
Safeco	150
Progressive	157
State Auto	157
Nationwide	165
Midvale Home & Auto	175
Liberty Mutual	190
CSAA	229
Shelter	248
Bristol West	282
The General	367

Estimate your Lexington car insurance costs

State

Age

Credit Score

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Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

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I’m a good driver

Save 30%

I’m a homeowner

Save 8%

I’m married

Save 24%

I have multiple cars

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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 and $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

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Cheapest car insurance for drivers with a speeding ticket

If you get caught speeding, your speeding ticket typically comes with a fine. Most insurance companies will 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.

Explore the average monthly quotes for Lexington drivers with a speeding ticket below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	120	84
State Farm	125	87
GEICO	142	100
National General	145	94
USAA	155	108
Allstate	183	128
Travelers	192	141
Clearcover	194	162
Safeco	198	104
Progressive	207	144
State Auto	207	129
Nationwide	217	187
Midvale Home & Auto	231	145
Liberty Mutual	250	140
CSAA	302	209
Shelter	327	228
Bristol West	372	203
The General	484	304

Cheapest car insurance for drivers with an at-fault accident

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.

Here are the average monthly rates for Lexington drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	124	87
State Farm	129	90
GEICO	147	103
National General	150	97
USAA	161	112
Allstate	189	132
Travelers	199	146
Clearcover	200	167
Safeco	204	108
Progressive	214	148
State Auto	214	133
Nationwide	225	193
Midvale Home & Auto	238	150
Liberty Mutual	259	144
CSAA	312	216
Shelter	338	235
Bristol West	384	210
The General	499	314

Cheapest car insurance for drivers with a DUI

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 the average rates tend to increase across all insurance companies, shopping around can help you save on car insurance costs after a DUI. Here are the cheapest rates for Lexington drivers with a DUI.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	142	100
State Farm	148	103
GEICO	169	119
National General	172	111
USAA	184	128
Allstate	217	151
Travelers	228	167
Clearcover	229	192
Safeco	234	123
Progressive	245	170
State Auto	245	153
Nationwide	258	222
Midvale Home & Auto	273	172
Liberty Mutual	297	165
CSAA	357	248
Shelter	387	270
Bristol West	440	240
The General	573	361

Cheapest car insurance for seniors

Insurance companies consider your age when determining insurance costs. Between the ages of around 30 and 75, drivers benefit from a decades-long trend of lower rates. Car insurance costs tend to increase again slightly for drivers age 75 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. 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, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	62	43
State Farm	64	45
GEICO	73	51
National General	74	48
USAA	80	56
Allstate	94	66
Travelers	99	72
Clearcover	100	83
Safeco	102	53
Progressive	106	74
State Auto	106	66
Nationwide	112	96
Midvale Home & Auto	118	74
Liberty Mutual	129	72
CSAA	155	108
Shelter	168	117
Bristol West	191	104
The General	248	156

Cheapest car insurance for teens

With less experience on the road, teen drivers face the highest rates by age group. 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, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	169	119
State Farm	176	122
GEICO	200	141
National General	204	131
USAA	219	152
Allstate	257	180
Travelers	270	198
Clearcover	272	228
Safeco	278	146
Progressive	291	202
State Auto	291	181
Nationwide	306	263
Midvale Home & Auto	324	204
Liberty Mutual	352	196
CSAA	424	294
Shelter	459	320
Bristol West	522	285
The General	680	428

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.^[10]

Find Car Insurance in Lexington

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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 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?

Lexington drivers pay an average of $139 per month for car insurance, which is identical to the overall national average. The average in Lexington is less than the statewide average cost of $163 per month. Full-coverage car insurance in Louisville, Kentucky’s largest city, costs $243 per month, exceeding the full-coverage rate in Lexington by around 47%.

Residents of Lexington might enjoy these lower rates due to a smaller population and less traffic congestion than Louisville. Lexington has a population per square mile of around 1,137, while Louisville’s per square mile population is 4,003, according to 2020 data from the United States Census Bureau.

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 $165 per month for full-coverage insurance. See how average rates compare in other Kentucky cities.

City	Average Monthly Quote	Compared to Lexington
Bowling Green	$162	-2%
Elizabethtown	$163	-1%
Louisville	$243	47%
Paducah	$163	-1%

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 $139 per month, on average. Drivers pay average rates of $112 per month for liability coverage and $165 for full-coverage insurance. Your rate will depend on your insurer, driver profile, vehicle type, and more.
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 4.4 out of 5, strong customer satisfaction rankings from J.D. Power, and an AM Best financial strength rating of A++ (Superior). 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 $163 per month. For comparison, the overall national average is $139 per month. Kentucky drivers may pay more for coverage because of the risk of severe weather in the area, including tornadoes, flooding, winter storms, and more.
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.

More cities in Kentucky

Popular cities

Sources

Federal Emergency Management Agency. "National Risk Index: Tornado." Accessed August 9, 2023
Brittanica. "Tornado Alley." Accessed August 9, 2023
Kentucky Public Protection Cabinet Department of Insurance. "Credit Scoring: How Does it Affect You?." Accessed August 9, 2023
Kentucky Public Protection Cabinet Department of Insurance. "No Fault Rejection/Verification (PIP)." Accessed August 9, 2023
Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed August 9, 2023
NOLO. "Kentucky No-Fault Car Insurance." Accessed August 9, 2023
Kentucky Transportation Cabinet. "Mandatory Insurance." Accessed August 9, 2023
Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed August 9, 2023
Insurance Information Institute. "Auto insurance for teen drivers." Accessed August 9, 2023
Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed August 9, 2023

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.

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Edited byKatie PowersAuto and Life Insurance Editor

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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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Lexington, Kentucky

Best car insurance companies in Lexington

Best insurer for cheap rates: National General

Cheap RatesNational General

Best insurer for veterans: USAA

VeteransUSAA

Best insurer for families: State Farm

FamiliesState Farm

Cheapest liability-only car insurance in Lexington

Cheapest full-coverage car insurance in Lexington

Estimate your Lexington car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Kentucky

Collision coverage

Comprehensive coverage

Roadside assistance coverage

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Lexington, KY

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Lexington

Find Car Insurance in Lexington

Lexington car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Lexington?

More cities in Kentucky

Lexington car insurance FAQs

Methodology

Related articles

More cities in Kentucky

Popular cities

Sources

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