Best Cheap Auto Insurance in Lexington, KY (2021)

The average Lexington, KY auto insurance rates are $329 per month. The minimum auto insurance in Lexington is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Lexington, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Lexington is 21.0 minutes
  • The minimum auto insurance required in Lexington, Kentucky is 25/50/25
  • Average auto insurance rates in Lexington, KY for senior drivers are $2,170 per year

Lexington, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Lexington can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lexington, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Lexington to other Kentucky cities, including Covington auto insurance rates, Owensboro auto insurance rates, and Bowling Green auto insurance rates to see how Lexington, Kentucky auto insurance rates stack up.

Before you buy Lexington, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lexington, Kentucky auto insurance quotes.

Minimum Auto Insurance in Lexington, Kentucky

Lexington, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lexington, Kentucky.

Minimum Required Auto Insurance Coverage in Lexington, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Lexington, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lexington, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lexington, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,960 $2,908 $2,702 $2,878 $11,526 $12,987 $3,221 $3,376
GEICO $2,824 $2,611 $2,965 $2,685 $6,060 $7,167 $2,303 $1,976
Liberty Mutual $2,619 $2,824 $2,290 $2,542 $10,851 $11,897 $2,683 $2,695
Nationwide $2,912 $2,906 $2,639 $2,744 $6,716 $8,331 $3,321 $3,480
Progressive $1,981 $1,872 $1,794 $1,794 $9,993 $11,285 $2,452 $2,493
State Farm $1,516 $1,516 $1,362 $1,362 $4,435 $5,625 $1,693 $1,863
Travelers $1,957 $1,989 $1,939 $1,938 $9,516 $15,259 $2,052 $2,336
USAA $1,686 $1,675 $1,538 $1,544 $4,634 $4,854 $2,110 $2,290

Cheap Lexington, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lexington, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Lexington, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Lexington, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,526 $12,987
GEICO $6,060 $7,167
Liberty Mutual $10,851 $11,897
Nationwide $6,716 $8,331
Progressive $9,993 $11,285
State Farm $4,435 $5,625
Travelers $9,516 $15,259
USAA $4,634 $4,854

Cheap Lexington, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Lexington, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lexington, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,702 $2,878
GEICO $2,965 $2,685
Liberty Mutual $2,290 $2,542
Nationwide $2,639 $2,744
Progressive $1,794 $1,794
State Farm $1,362 $1,362
Travelers $1,939 $1,938
USAA $1,538 $1,544

Cheap Lexington, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lexington, Kentucky compared to the annual auto insurance rates with a clean record in Lexington, Kentucky.

Annual Lexington, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,369 $5,757 $6,189 $4,964
GEICO $2,136 $3,790 $5,753 $2,617
Liberty Mutual $3,992 $6,166 $4,786 $4,256
Nationwide $3,308 $4,246 $5,340 $3,631
Progressive $3,479 $5,170 $3,965 $4,218
State Farm $2,215 $2,628 $2,422 $2,422
Travelers $4,031 $4,144 $5,998 $4,321
USAA $1,916 $2,700 $3,239 $2,310

Cheap Lexington, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lexington, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Lexington, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Lexington, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,189
GEICO $5,753
Liberty Mutual $4,786
Nationwide $5,340
Progressive $3,965
State Farm $2,422
Travelers $5,998
USAA $3,239

Cheap Lexington, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lexington, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Lexington, Kentucky

Insurance Company Poor Fair Good
Allstate $7,023 $4,880 $4,056
GEICO $5,877 $2,934 $1,911
Liberty Mutual $6,827 $4,235 $3,338
Nationwide $4,990 $3,961 $3,443
Progressive $4,670 $4,109 $3,845
State Farm $3,495 $2,116 $1,654
Travelers $5,146 $4,369 $4,354
USAA $3,750 $2,130 $1,744

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Cheap Lexington, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lexington, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Lexington, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lexington, Kentucky

ZIP Code Average Annual Rates
40502 $3,677
40503 $3,563
40504 $3,527
40505 $3,635
40506 $3,712
40507 $3,597
40508 $3,548
40509 $3,596
40510 $3,568
40511 $3,586
40513 $3,542
40514 $3,531
40515 $3,501
40516 $3,630
40517 $3,595
40526 $3,549
40536 $3,549
40546 $3,549

Cheap Lexington, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Lexington, Kentucky auto insurance. Find the cheapest annual Lexington, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lexington, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,320 $5,320
GEICO $3,540 $3,608
Liberty Mutual $4,800 $4,800
Nationwide $4,131 $4,131
Progressive $4,208 $4,208
State Farm $2,358 $2,485
Travelers $4,623 $4,623
USAA $2,449 $2,634

Cheap Lexington, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lexington, Kentucky? Check out the comparison of annual Lexington, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lexington, Kentucky

Insurance Company Low Medium High
Allstate $4,925 $5,298 $5,737
GEICO $3,349 $3,565 $3,808
Liberty Mutual $4,518 $4,759 $5,122
Nationwide $4,142 $4,095 $4,156
Progressive $3,858 $4,161 $4,605
State Farm $2,245 $2,421 $2,599
Travelers $4,370 $4,644 $4,855
USAA $2,407 $2,535 $2,683

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Best By Category: Cheapest Auto Insurance in Lexington, Kentucky

Compare the cheapest auto insurance companies in Lexington, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lexington, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Lexington, Kentucky Auto Insurance Companies

What auto insurance companies in Lexington, Kentucky are the cheapest? Compare the top Lexington, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lexington, Kentucky

Insurance Company Average Annual Rates
Allstate $5,320
GEICO $3,574
Liberty Mutual $4,800
Nationwide $4,131
Progressive $4,208
State Farm $2,422
Travelers $4,623
USAA $2,541

What affects auto insurance rates in Lexington, Kentucky?

There are a lot of reasons why auto insurance rates in Lexington, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lexington, Kentucky. Many local factors may affect your Lexington auto insurance rates.

Lexington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lexington, Kentucky commute length is 21.0 minutes according to City-Data.

Lexington Traffic

How does Lexington, Kentucky rank for traffic? According to Inrix Lexington, Kentucky is the 968th most congested worldwide.

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Compare Lexington, Kentucky Auto Insurance Quotes

Before you buy Lexington, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lexington, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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