Cheapest Auto Insurance in Lexington, South Carolina (2025)

Lexington drivers can find the cheapest rates from USAA, with prices as low as $66 per month.

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Cheapest recent rates near Lexington, South Carolina

Drivers in and around Lexington, South Carolina have found policies from Direct Auto, National General, First Acceptance, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on August 6, 2025. 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on August 6, 2025. 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Sarah Sharkey
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Drivers in Lexington, South Carolina, pay $214 per month for car insurance, on average, compared to the national average of $149. Lexington’s role as county seat for Lexington County, and its proximity to the state capital, Columbia, likely create more congested roads, and probably contribute to its comparatively higher car insurance costs.

But the exact cost of your car insurance premiums will vary based on your unique driver profile — your credit history, driving record, age, and location will affect your rates. Always compare quotes from multiple companies before buying a policy.

Quick Facts
  • USAA, Auto-Owners, and State Farm have the cheapest car insurance in Lexington.

  • South Carolina operates under tort law, which means at-fault drivers are responsible for damages they cause to others.

  • On average, Lexington drivers pay $2,046 per year for liability-only coverage and $3,098 for full-coverage policies.

3 of the cheapest car insurance companies in Lexington

Insurance companies consider several factors when determining your rate, but each company has a slightly different underwriting method of doing so. Factors considered include age, driving record, ZIP code, and vehicle type.

This wide range of factors and different methods often means you’ll find different rates across insurers for the same coverage. Start your search by checking out some of the insurance companies below that consistently offer cheap rates in Lexington.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
USAA9.1$101$64Veterans
State Farm9.3$112$71Families
Auto-Owners8.2$108$69Cheap rates
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

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.
$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.
$103/mo
4.9
Best choiceBased on 2,129 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 (1,205)
Richard
Verified Review
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Reviewed in Connecticut on August 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Robert
Verified Review
Best Value for Veterans!
Reviewed in Washington on July 2025
Top Notch! Best Insurance for Veterans!
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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 offers affordable rates, though only to active-duty military members, veterans, and select family members. Although the limitations are a dealbreaker for many, people who qualify for USAA coverage might find it the perfect fit. The company earned the top spot for customer satisfaction in the 2023 J.D. Power U.S. Auto Insurance Study.

Pros
  • Above-average J.D. Power customer satisfaction rating

  • Cheap rates

Cons
  • Limited to members of the military community

  • No 24/7 phone support

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.
$73/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.
$114/mo
4.1
Best choiceBased on 11,395 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 (6,083)
Robert
Verified Review
State Farm Doing the Lord's Work
Reviewed in Florida on August 2025
They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.
Christopher
Verified Review
State Farm too expensive.
Reviewed in Florida on August 2025
Constant price increases are never a good thing.
Scott
Verified Review
State Farm: High on Cost, Low on Actual Service
Reviewed in Texas on August 2025
Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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, the largest U.S. auto insurer by market share, offers affordable car insurance and a variety of coverages and discounts. The company also offers homeowners insurance, life insurance, and other insurance products. Families can tap into additional savings through discounts for bundling, having good students, and safe driving.

Pros
  • Above-average J.D. Power customer satisfaction rating

  • Numerous discounts available, especially for families

Cons
  • No gap insurance

  • Rates may be higher than some competitors

Best insurer for cheap rates: Auto-Owners

User Reviews
3.9
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.
8.2 /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.
$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
3.9
A solid optionBased on 210 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (124)
James
Verified Review
Dissatisfied
Reviewed in Alabama on August 2025
I'm tired of the constant coverage rate increases even though I have a perfect driving record. There are no discounts whatsoever.
Gerald
Verified Review
Car Insurance
Reviewed in Florida on August 2025
Excellent, but the price is higher.
Timothy
Verified Review
Good Insurance Company
Reviewed in Georgia on July 2025
Check around every year for different rates.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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

Auto-Owners has been in business since 1916 and boasts above-average customer satisfaction ratings. It offers the second-cheapest rates in Lexington after USAA and offers various discount opportunities.

Pros
  • A++ AM Best rating, the highest possible

  • Above-average J.D. Power customer satisfaction rating

Cons
  • Just 2.3 (out of 5) stars on Trustpilot

  • Can only buy a policy through a local independent insurance agent

Top 10 Cheap Car Insurance Quotes in August 2025

Top 10 Cheap Car Insurance Quotes in August 2025

How to get the cheapest car insurance in Lexington

You’ll need to have car insurance to drive in Lexington, but you’ve got plenty of ways to keep your costs low. Here are some strategies to lock in cheap auto insurance:

  • Increase your deductible. A higher insurance deductible for collision or comprehensive coverage often comes with a lower insurance premium. Consider this choice if you have the financial resources to cover a higher deductible in the event of a claim.

  • Shop around. Each insurance company offers slightly different rates. You can find the best rate for your situation by comparing quotes from multiple insurers.

  • Look for discounts. Most auto insurance companies offer a range of discount opportunities. Find out if you qualify for lower rates.

  • Bundle policies. If you need multiple insurance policies, consider purchasing them through the same company. You might be able to lock in a discount by purchasing your home insurance, renters insurance, or life insurance from the same place as your auto insurance.

Find Cheap Car Insurance in Lexington

Liability rates start at $66 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Lexington: USAA

Liability car insurance includes both property damage liability coverage and bodily injury liability coverage. After an at-fault accident, this coverage will help you pay to repair or replace the other driver’s vehicle. Additionally, it covers medical bills incurred by the other driver.[1]

Since this is a bare-bones coverage option, it tends to be the cheapest choice. But liability insurance doesn't pay for your damages or injuries in an at-fault accident, and insurance professionals recommend you buy coverage above state minimums for greater financial protection. Liability insurance in Lexington costs an average of $171 per month.

Explore the average monthly quotes for liability coverage by insurer in Lexington.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$66
Auto-Owners$71
State Farm$73
Progressive$105
Nationwide$107
Allstate$113
Travelers$122
State Auto$148
GEICO$148
Safeco$150
National General$163
Direct Auto$168
Root$175
Dairyland$182
The General$194
Liberty Mutual$207
Bristol West$237
GAINSCO$239
AssuranceAmerica$254
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: USAA

Full-coverage auto insurance offers more financial protection than a liability-only policy. In addition to liability coverage, it includes both comprehensive and collision coverages.[1]

Lexington drivers pay a monthly average of $258 for full coverage.

While auto lenders often require this type of coverage, any driver looking for more financial protection should consider carrying a full-coverage policy. Find cheap full-coverage auto insurance for Lexington drivers below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$103
Auto-Owners$110
State Farm$114
Nationwide$168
Progressive$173
Allstate$178
GEICO$182
Travelers$191
Safeco$192
State Auto$231
Direct Auto$237
National General$237
Root$278
Liberty Mutual$309
The General$351
AssuranceAmerica$364
Dairyland$368
Bristol West$408
GAINSCO$418
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, South Carolina

Drivers in and around Lexington, South Carolina have found policies from State Farm, Safeco, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on August 6, 2025. 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on August 6, 2025. 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 August 6, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in South Carolina

You must carry a minimum amount of auto insurance to drive in South Carolina legally. Here’s a look at the minimum insurance limits in this at-fault state:[2]

Coverage
sort ascsort desc
Minimum Requirements
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Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000
Uninsured motorist coverage$25,000 per person / $50,000 per accident; $25,000 property damage per accident

While South Carolina doesn't require you to buy the following coverages, you should consider carrying them if you drive frequently:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Underinsured motorist coverage

    If you get into an accident with an underinsured driver, this will help you pay for related expenses. South Carolina insurers must offer underinsured motorist coverage, but you don’t have to purchase it.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Collision coverage

    After an at-fault accident with another vehicle or a stationary object like a tree or light pole, collision coverage can help you repair or replace your vehicle. It also covers rollover accident and damage from hitting a pothole.

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

    Comprehensive coverage

    If your vehicle gets damaged in a non-collision event, like a natural disaster, vandalism, theft, or fire, comprehensive coverage can help you get back on the road.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    Car insurance rates typically increase after an accident. But if you buy accident forgiveness coverage, your insurance company won't raise your rates after your first at-fault accident. You generally need to have at least three years of a clean driving record to qualify for this type of coverage.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    Gap insurance

    If an accident totals your leased or financed vehicle, it's possible your claim payout won't be enough to pay off your lease or loan. Gap coverage, also known as guaranteed asset protection, can pay the difference between the actual cash value of your vehicle – which is what an insurer will pay for a totaled car – and the balance on your lease or loan.

Cheapest car insurance for drivers with an incident

Lexington residents with a good driving record tend to find the best auto insurance rates, while drivers with incidents on their records usually see their premiums climb for several years.

Common traffic violations include speeding tickets, driving under the influence, and at-fault accidents. An incident indicates a higher risk to your insurance company, which causes it to raise rates.[3]

Shop for Car Insurance in Lexington, SC

Monthly rates start at $77 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: USAA

Although a speeding fine is inconvenient, it’s just the beginning of the costs. Most drivers with a speeding ticket on their driving record see their car insurance rates increase for three to five years. 

On average, Lexington drivers with a speeding ticket pay $208 per month for liability-only coverage and $314 for full coverage. Explore the average monthly cost of liability-only auto insurance for drivers with a speeding ticket in Lexington below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$66$80
Auto-Owners$71$87
State Farm$73$88
Progressive$105$128
Nationwide$107$131
Allstate$113$137
Travelers$122$150
State Auto$148$182
GEICO$148$185
Safeco$150$188
National General$163$197
Direct Auto$168$206
Root$175$224
Dairyland$182$222
The General$194$250
Liberty Mutual$207$256
Bristol West$237$292
GAINSCO$239$279
AssuranceAmerica$254$298
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: USAA

An at-fault accident almost always leads to higher car insurance premiums. It signals to insurers that you’re a risky driver, so they’ll raise rates to account for that extra risk. 

In Lexington, the average monthly cost of car insurance for drivers with at-fault accidents is $216 for liability insurance and $326 for full coverage.

Check out the average monthly liability-only quotes for drivers in Lexington with an at-fault accident in their past.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$66$83
Auto-Owners$71$89
State Farm$73$91
Progressive$105$133
Nationwide$107$136
Allstate$113$142
Travelers$122$155
State Auto$148$188
GEICO$148$176
Safeco$150$200
National General$163$204
Direct Auto$168$219
Root$175$217
Dairyland$182$231
The General$194$256
Liberty Mutual$207$265
Bristol West$237$301
GAINSCO$239$294
AssuranceAmerica$254$303
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: USAA

Driving under the influence is one of the most serious moving violations, and it stays on your record permanently in South Carolina. The offense often leads drivers with a DUI to face significantly higher auto insurance premiums. Some insurers may decide to non-renew your policy at the end of your policy term, or even cancel it mid-term.  

Lexington car insurance rates reflect the seriousness of a DUI conviction. The average monthly quote for liability-only coverage is $211, and full coverage is $318. Below, you’ll find a breakdown of average monthly liability-only quotes for drivers with a DUI in Lexington.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$66$91
Auto-Owners$71$98
State Farm$73$101
Progressive$105$129
Nationwide$107$147
Allstate$113$156
Travelers$122$168
State Auto$148$204
GEICO$148$204
Safeco$150$211
National General$163$224
Direct Auto$168$231
Root$175$241
Dairyland$182$251
The General$194$267
Liberty Mutual$207$285
Bristol West$237$326
GAINSCO$239$329
AssuranceAmerica$254$350
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.
How Long Does a DUI Stay on Your Record?

How Long Does a DUI Stay on Your Record?

Cheapest car insurance for seniors: USAA

Insurance companies consider age when determining rates, and as drivers hit their 70s, insurance companies tend to charge slightly higher rates due to increased accident risks. Seniors account for about 14% of Lexington County’s population.[4] 

The average monthly cost of liability-only insurance for Lexington seniors is $147. If you’re a senior driver in Lexington looking for the most affordable rates, shopping around is essential.

Start your search by comparing average monthly quotes for Lexington seniors below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
USAA$83$53
Auto-Owners$88$57
State Farm$89$57
Nationwide$127$81
GEICO$143$116
Allstate$144$92
Progressive$148$90
Travelers$151$96
Safeco$167$130
State Auto$177$113
National General$183$126
Direct Auto$187$132
Root$233$147
Liberty Mutual$258$173
AssuranceAmerica$282$197
The General$284$157
Dairyland$300$148
Bristol West$334$194
GAINSCO$348$199
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: USAA

Teen drivers usually pay the most for car insurance since they don’t have much driving experience and are more likely to get into accidents. Liability coverage costs $344 per month for teen drivers in Lexington, on average.

But young drivers still have ways to save, including shopping around, increasing their deductible, driving a safe vehicle, applying for good student discounts, and staying on their parents’ insurance policies. Drivers younger than 18 won't be able to buy their own policies without written consent from a parent or guardian.

Take a look at the average monthly quotes for young drivers in Lexington below:

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Full Coverage
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Liability Only
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USAA$197$126
Auto-Owners$211$136
State Farm$225$144
Nationwide$338$215
GEICO$341$277
Progressive$348$211
Allstate$363$231
Travelers$394$252
Safeco$410$320
Direct Auto$485$344
National General$500$344
Root$509$321
State Auto$575$368
Liberty Mutual$584$391
The General$632$349
Dairyland$643$318
AssuranceAmerica$751$524
Bristol West$765$445
GAINSCO$816$466
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

South Carolina allows insurance companies to look at your credit history when determining your premium.[5] Drivers with excellent or good credit scores often pay less than drivers with poor credit scores.

Here’s how your credit tier can affect your premium in Lexington:

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?

Drivers in Lexington pay an overall average monthly premium of $214 per month, which is more expensive than most other cities in the Palmetto State. For example, drivers in the coastal city of Charleston pay an overall average of $232 per month for coverage. And by comparison, the overall average monthly cost of car insurance in South Carolina is $213.

More cities in South Carolina

Car insurance rates vary based on a multitude of factors, your location being one of them. Drivers in denser cities typically pay higher premiums than drivers in rural areas with less congested highways.

Explore average quotes for other cities in South Carolina below.

City
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Full Coverage
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Liability Only
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Charleston$268$197
Columbia$281$192
Greenville$244$172
Myrtle Beach$216$170
North Charleston$292$209
Rock Hill$249$180
Summerville$267$203
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.

Lexington car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Lexington.

  • How much is car insurance in Lexington?

    Car insurance in Lexington costs $214 per month, on average. Drivers pay an average of $258 per month for full-coverage car insurance and $171 per month for liability coverage. Your rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.

  • What are the best car insurance companies in Lexington?

    With an average monthly premium of $69 for full coverage, an Insurify Quality (IQ) Score of 8.2 out of 5, and an AM Best financial strength rating of A++ (Superior), Auto-Owners is the best car insurance company in Lexington. Of the insurers Insurify has rate data for, other top Lexington insurers include State Farm and USAA.

  • Which company has the cheapest car insurance in Lexington?

    With a monthly rate of $66 for liability-only coverage, USAA has the cheapest rates in Lexington. Auto-Owners and State Farm also offer affordable coverage, with monthly liability rates of $71 and $73, respectively.

  • How much car insurance do you need in South Carolina?

    Drivers in South Carolina must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage. South Carolina also requires drivers to have uninsured motorist coverage in an amount equal to or greater than their liability limits.

  • Is South Carolina a no-fault state?

    No. South Carolina is an at-fault state, meaning the driver responsible for an accident must use their own insurance to cover the damage they cause.

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
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.

Related articles

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. Department of Insurance, SC - Official Website. "Automobile Insurance."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. United States Census Bureau. "Lexington town, South Carolina."
  5. Department of Insurance, SC - Official Website. "Property & Casualty (doi.sc.gov/PC)."
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.

Sarah has been a contributor at Insurify since September 2022.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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