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.
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.
Mark FriedlanderDirector, Corporate Communications, 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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Cheapest recent rates near Lexington, South Carolina
Recent Lexington, South Carolina car insurance prices for Chevrolet, Cadillac, Jeep , and more.
*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 February 20, 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 February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Lexington, South Carolina, pay $217 per month for car insurance, on average, compared to the national average of $152. 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 $1,982 per year for liability-only coverage and $3,227 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
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
USAA
9.4
$90
$52
Veterans
State Farm
9.3
$100
$58
Families
Auto-Owners
8.5
$97
$56
Cheap rates
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.
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.
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.
9.4 /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.
$52/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.
$90/mo
4.9
Best choiceBased on 1,692 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 (972)
Charles
February 19, 2025
Verified Review
Best Insurance Company: USAA
Wonderful.
Wendy
February 18, 2025
Verified Review
Expensive
I love the fact that they cater to the military, but they are expensive.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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
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.
$56/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.
$99/mo
4.2
Best choiceBased on 9,550 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 (5,258)
Cheryl
February 19, 2025
Verified Review
Average
Way too expensive.
Lisa
February 18, 2025
Verified Review
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
Mikla
February 18, 2025
Verified Review
Mikla & Sam's Quote
I really liked them. The customer service was great, and the price started off well, but it has now increased exponentially.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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
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.
8.5 /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.
$55/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.
$96/mo
4.0
Best choiceBased on 155 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 (96)
Stephen
February 19, 2025
Verified Review
Trying to Lower My Insurance Cost
I find the representatives to be fair and friendly. They answer all my questions. I'm just trying to lower my bills and get a better price on insurance.
Mary
February 17, 2025
Verified Review
Online Comparisons Name Progressive as Having the Lowest Rates
I initially thought my rates were high due to increases in premiums this year. However, after requesting online comparisons, I found that my current insurance company, Progressive, offered the lowest rates.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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
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 $52 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $165 per month.
Explore the average monthly quotes for liability coverage by insurer in Lexington.
The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$52
Auto-Owners
$55
State Farm
$56
GEICO
$61
Nationwide
$84
Allstate
$89
Travelers
$95
Progressive
$102
Root
$112
State Auto
$116
Safeco
$134
Direct Auto
$154
National General
$160
Dairyland
$164
The General
$187
Liberty Mutual
$190
Bristol West
$230
AssuranceAmerica
$237
GAINSCO
$238
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: 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 $269 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: Saturday, February 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$90
Auto-Owners
$96
State Farm
$99
GEICO
$107
Nationwide
$147
Allstate
$156
Progressive
$163
Travelers
$166
Safeco
$174
Root
$202
State Auto
$202
National General
$238
Direct Auto
$251
Liberty Mutual
$304
AssuranceAmerica
$339
Dairyland
$344
The General
$359
Bristol West
$403
GAINSCO
$426
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 recent rates near Lexington, South Carolina
Recent Lexington, South Carolina car insurance prices for Cadillac, Chevrolet, Ford , and more.
*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 February 20, 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 February 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 February 20, 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
▲▼
Minimum Requirements
▲▼
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:
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.
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.
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.
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.
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 $63 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $223 per month for liability-only coverage and $363 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: Saturday, February 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
USAA
$52
$66
Auto-Owners
$55
$71
State Farm
$56
$71
GEICO
$61
$78
Nationwide
$84
$108
Allstate
$89
$114
Travelers
$95
$122
Progressive
$102
$130
Root
$112
$155
State Auto
$116
$159
Safeco
$134
$174
Direct Auto
$154
$197
National General
$160
$205
Dairyland
$164
$209
The General
$187
$247
Liberty Mutual
$190
$260
Bristol West
$230
$297
AssuranceAmerica
$237
$300
GAINSCO
$238
$326
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: 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 $227 for liability insurance and $369 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: Saturday, February 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
USAA
$52
$69
Auto-Owners
$55
$73
State Farm
$56
$73
GEICO
$61
$81
Nationwide
$84
$112
Allstate
$89
$118
Travelers
$95
$127
Progressive
$102
$138
Root
$112
$161
State Auto
$116
$165
Safeco
$134
$179
Direct Auto
$154
$209
National General
$160
$210
Dairyland
$164
$215
The General
$187
$254
Liberty Mutual
$190
$267
Bristol West
$230
$305
AssuranceAmerica
$237
$304
GAINSCO
$238
$301
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: 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 $260, and full coverage is $423. 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: Saturday, February 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
USAA
$52
$83
Auto-Owners
$55
$88
State Farm
$56
$90
GEICO
$61
$98
Nationwide
$84
$135
Allstate
$89
$143
Travelers
$95
$152
Progressive
$102
$164
Root
$112
$162
State Auto
$116
$186
Safeco
$134
$204
Direct Auto
$154
$247
National General
$160
$257
Dairyland
$164
$263
The General
$187
$300
Liberty Mutual
$190
$305
Bristol West
$230
$369
AssuranceAmerica
$237
$380
GAINSCO
$238
$382
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.
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 $133. 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: Saturday, February 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
USAA
$71
$41
Auto-Owners
$75
$43
State Farm
$76
$43
GEICO
$84
$48
Nationwide
$108
$62
Progressive
$115
$72
Allstate
$123
$70
Travelers
$128
$73
Safeco
$148
$114
State Auto
$151
$87
Root
$170
$94
National General
$179
$120
Direct Auto
$192
$118
Liberty Mutual
$250
$156
AssuranceAmerica
$255
$179
Dairyland
$272
$130
The General
$284
$148
Bristol West
$319
$182
GAINSCO
$352
$197
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: 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 $317 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: Saturday, February 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
USAA
$163
$94
Auto-Owners
$172
$99
State Farm
$184
$104
GEICO
$186
$106
Nationwide
$279
$159
Allstate
$301
$172
Progressive
$304
$190
Travelers
$323
$185
Root
$326
$181
Safeco
$353
$272
State Auto
$385
$221
Direct Auto
$492
$302
National General
$498
$335
Liberty Mutual
$555
$347
Dairyland
$589
$281
The General
$614
$320
AssuranceAmerica
$657
$460
Bristol West
$728
$415
GAINSCO
$783
$437
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.
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 $217 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 $251 per month for coverage. And by comparison, the overall average monthly cost of car insurance in South Carolina is $218.
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.
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.
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 $217 per month, on average. Drivers pay an average of $269 per month for full-coverage car insurance and $165 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 $56 for full coverage, an Insurify Quality (IQ) Score of 8.5 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 $52 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 $55 and $56, 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 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.
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.
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.
Mark FriedlanderDirector, Corporate Communications, 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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