Cheapest Auto Insurance in Lexington, South Carolina (2024)

Lexington drivers can find the cheapest rates from USAA, with prices as low as $45 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
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  • Contributor to top media, including USA Today

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

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Danny Smith
Edited byDanny Smith
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  • 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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Updated July 25, 2024

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Cheapest recent rates near Lexington, South Carolina

Drivers in and around Lexington, South Carolina have found policies from USAA, Dairyland, State Farm, 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Lexington, South Carolina, pay $202 per month for car insurance, on average, compared to the national average of $160. Lexington’s role as county seat for Lexington County, and its proximity to the state capital, Columbia, likely 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 $1,905 per year for liability-only coverage and $2,949 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 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 CompanyIQ 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 CoverageLiability OnlyBest For
USAA9.4$87$50Veterans
State Farm9.3$97$56Families
Auto-Owners8.5$94$54Cheap 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$45/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.
$79/mo

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 can work with USAA 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 people with a qualifying military connection

  • Customer support not available on Sundays

Read more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

Best insurer for families: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$51/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.
$88/mo

State Farm 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

  • Discounts available, especially for families

Cons
  • No gap insurance

  • Not always the cheapest choice

Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
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.
8.5/10
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.
$49/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.
$85/mo

Auto-Owners has been around 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

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

Cons
  • Limited availability of other insurance products

  • Insurance agent might need to finalize your quote

Read more driver reviews of Auto-Owners
Paula - July 23, 2024
Verified

Auto Owners Review

They do not offer savings for low mileage!

Angela - July 23, 2024
Verified

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.
Top 10 Cheapest Car Insurance Companies for July 2024

Top 10 Cheapest Car Insurance Companies for July 2024

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 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 $45 per month

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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. Liability insurance in Lexington costs an average of $159 per month.

Explore the average monthly quotes for liability coverage by insurer in Lexington, South Carolina, below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$45
Auto-Owners$49
State Farm$51
GEICO$54
Nationwide$74
Safeco$76
Allstate$79
Travelers$85
Progressive$99
State Auto$102
Midvale Home & Auto$110
Direct Auto$124
Liberty Mutual$140
Dairyland$142
National General$159
The General$159
AssuranceAmerica$189
Bristol West$196
GAINSCO$217
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 $246 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$79
Auto-Owners$85
State Farm$88
GEICO$94
Safeco$125
Nationwide$129
Allstate$137
Travelers$147
Progressive$157
State Auto$162
Midvale Home & Auto$172
Direct Auto$214
AssuranceAmerica$223
National General$234
Liberty Mutual$256
The General$300
Dairyland$311
Bristol West$348
GAINSCO$381
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

Drivers in and around Lexington, South Carolina have found policies from Allstate, State Farm, Travelers, 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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]

CoverageMinimum 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 you don’t need 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/x/169fdfde11/liability-coverage.svg

    Collision coverage

    After an accident, collision coverage can help you repair or replace your vehicle, regardless of fault.

  • 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, or theft, comprehensive coverage can help you get back on the road.

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.

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 $57 for drivers with an incident

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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. 

On average, Lexington drivers with a speeding ticket pay $236 per month for liability-only coverage and $366 for full coverage. Explore the average monthly cost of auto insurance for drivers with a speeding ticket in Lexington below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA$45$60
Auto-Owners$49$65
State Farm$51$67
GEICO$54$72
Nationwide$74$99
Safeco$76$102
Allstate$79$105
Travelers$85$114
Progressive$99$132
State Auto$102$147
Midvale Home & Auto$110$151
Direct Auto$124$165
Liberty Mutual$140$204
Dairyland$142$190
National General$159$211
The General$159$214
AssuranceAmerica$189$256
Bristol West$196$259
GAINSCO$217$316
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 $242 for liability insurance and $375 for full coverage.

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

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA$45$62
Auto-Owners$49$68
State Farm$51$70
GEICO$54$75
Nationwide$74$103
Safeco$76$102
Allstate$79$109
Travelers$85$119
Progressive$99$139
State Auto$102$154
Midvale Home & Auto$110$161
Direct Auto$124$176
Liberty Mutual$140$211
Dairyland$142$196
National General$159$222
The General$159$224
AssuranceAmerica$189$262
Bristol West$196$268
GAINSCO$217$290
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. The offense often leads drivers with a DUI to face significantly higher auto insurance premiums. Some insurers may even refuse to renew your coverage altogether. 

Lexington car insurance rates reflect the seriousness of a DUI conviction. The average monthly quote for liability-only coverage is $274, and full coverage is $424. Below, you’ll find a breakdown of average monthly quotes for drivers with a DUI in Lexington.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA$45$77
Auto-Owners$49$84
State Farm$51$87
GEICO$54$92
Nationwide$74$126
Safeco$76$130
Allstate$79$135
Travelers$85$145
Progressive$99$169
State Auto$102$174
Midvale Home & Auto$110$188
Direct Auto$124$211
Liberty Mutual$140$239
Dairyland$142$242
National General$159$271
The General$159$271
AssuranceAmerica$189$322
Bristol West$196$334
GAINSCO$217$370
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How 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 higher premiums. Seniors account for about 14% of Lexington County’s population.[4] 

The average monthly cost of liability-only insurance for Lexington seniors is $125. 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA$61$35
Auto-Owners$65$38
State Farm$67$39
GEICO$73$42
Nationwide$94$54
Safeco$100$61
Allstate$107$62
Progressive$109$69
Travelers$112$65
State Auto$121$76
Midvale Home & Auto$128$82
Direct Auto$162$94
AssuranceAmerica$164$139
National General$178$121
Liberty Mutual$201$110
The General$239$126
Dairyland$242$111
Bristol West$272$153
GAINSCO$308$175
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 $285 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.

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

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA$131$75
Auto-Owners$146$84
GEICO$148$85
State Farm$149$87
Nationwide$221$127
Allstate$241$139
Safeco$259$157
Travelers$265$153
Progressive$283$179
State Auto$288$181
Midvale Home & Auto$297$190
Direct Auto$390$226
AssuranceAmerica$414$351
National General$452$307
Liberty Mutual$471$257
The General$485$257
Dairyland$519$237
Bristol West$592$334
GAINSCO$676$385
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.
The 10 Best and Worst Car Insurance Comparison Sites for 2024

The 10 Best and Worst Car Insurance Comparison Sites for 2024

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 $202 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 $263 per month for coverage. And by comparison, the overall average monthly cost of car insurance in South Carolina is $223.

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 more suburban areas.

Explore average quotes for other cities in South Carolina below.

CityFull CoverageLiability Only
Charleston$322$205
Columbia$292$179
Greenville$249$165
Myrtle Beach$212$146
North Charleston$352$235
Rock Hill$292$189
Summerville$324$212
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 $202 per month, on average. Drivers pay an average of $246 per month for full-coverage car insurance and $159 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 $54 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 $45 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 $49 and $51, 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. You also must have the same three limits in uninsured motorist coverage.

  • 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.

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.

Danny Smith
Edited byDanny Smith
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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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