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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Lexington drivers pay an average of $170 per month for car insurance, according to Compare.com data. The city’s higher-than-average rates may be due to its growing population and rising accident rates. In fact, Fayette County saw a 44% increase in traffic fatalities from 2020 to 2021, according to the Kentucky Office of Highway Safety.[1]
But many companies offer rates well below the citywide average, including Auto-Owners, State Farm, and GEICO. We found that Auto-Owners offers the cheapest average liability rate, at just $65 per month.
Let’s explore Lexington’s cheapest insurance companies for different drivers, how to choose the best company for your needs, and tips for saving money.
Auto-Owners offers the lowest average rate in Lexington, at $65 per month.
Average monthly rates in Lexington are $132 for liability-only insurance and $208 for full coverage.
Kentucky requires drivers to have at least 25/50/25 in liability coverage to legally drive.
Regardless of Lexington’s average rates, you can still find ways to save on your car insurance. Several companies offer rates well below the citywide average.
We’ve analyzed rates from dozens of area insurers to break down the cheapest options in the table below.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $65 |
| State Farm | $67 |
| GEICO | $77 |
| USAA | $84 |
| National General | $90 |
| Allstate | $98 |
| Root | $100 |
| State Auto | $100 |
| Safeco | $107 |
| Travelers | $109 |
| Direct Auto | $110 |
| Progressive | $111 |
| CSAA | $122 |
| Clearcover | $122 |
| Nationwide | $143 |
| Bristol West | $144 |
| Liberty Mutual | $161 |
| Shelter | $176 |
| The General | $214 |
Auto-Owners offers the most affordable car insurance in Lexington, with an average monthly rate of $65. But keep in mind that this is just an average and it may not necessarily be the cheapest for you.
The best way to find the right company for your needs is to compare quotes from several companies. With that in mind, the following sections break down the cheapest companies for different drivers and coverage types.
While the companies above are a good starting point, your rates can vary widely based on personal factors like your age, driving record, and address. That’s why it’s so important to compare quotes whenever you shop for a new policy.
To help you out, we’ve broken down the cheapest companies for a variety of backgrounds and coverages in the table below, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $65 |
| Full coverage | Auto-Owners | $102 |
| Teens | Auto-Owners | $118 |
| Seniors | Auto-Owners | $51 |
| Drivers with a speeding ticket | Auto-Owners | $86 |
| Drivers with an at-fault accident | Auto-Owners | $87 |
| Drivers with a DUI | Auto-Owners | $104 |
| Drivers with excellent credit | Auto-Owners | $58 |
| Drivers with poor credit | Auto-Owners | $88 |
We’ve included further breakdowns for each driver type in the subsections below.
Policies in Lexington start as low as $65 per month.
Kentucky requires all drivers to have at least 25/50/25 in state-minimum coverage (we’ll cover this in more detail later).[2] The average rate for this type of minimum coverage in Lexington is $132 per month, according to Compare.com data.
But most experts recommend purchasing more coverage than the state requires. That’s because minimum coverage likely won’t be enough to fully protect you in a serious accident.[3]
If you need only basic coverage that meets Kentucky’s minimum requirements, we've highlighted the five cheapest insurers in the chart below.
Most drivers should consider full coverage for better protection. A full-coverage policy typically includes comprehensive and collision coverage in addition to the state’s minimum requirements. It’s worth having if you can’t afford to repair or replace your car on your own.
Lenders and leasing companies also require full coverage if you finance or lease your car.[4]
Drivers in Lexington pay an average of $208 per month for full coverage, according to our data. But several insurers tend to offer full coverage for close to the average liability price in Lexington.
The chart below shows the five cheapest insurers in Lexington for full coverage, according to Compare.com data.
Teens have some of the most expensive car insurance rates of any age group due to their lack of driving experience and higher likelihood of accidents. In fact, teen drivers are nearly three times as likely to be involved in a fatal crash as drivers over 19, according to the Centers for Disease Control and Prevention (CDC).[5]
Nationwide, the average teen pays nearly double the rate of someone 20 or older, according to our data. In Lexington, teens pay an average of $335 per month. But cheaper rates are within your reach.
The chart below highlights the five cheapest insurers in Lexington for teens, according to Compare.com data.
Senior drivers generally get the cheapest rates of any age group. Their rates tend to be lower because they have decades of driving experience and a lower risk of accidents. In fact, seniors tend to drive less and avoid driving at night, reducing their chance of an accident, according to the Insurance Institute for Highway Safety (IIHS).[6]
The average rate for seniors in Lexington is $139 per month, according to Compare.com data. But even with these low average rates, you can likely find a better deal from several companies.
The chart below showcases the five cheapest insurers in Lexington for seniors, according to our data.
Getting a ticket can cause your rates to go up the next time your policy renews. Tickets and other moving violations indicate to insurers that you’re more likely to file a claim in the future, according to the Insurance Information Institute (Triple-I).[7]
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide. In Lexington, the average rate for drivers with a recent ticket is $235 per month, according to our data. But several insurers offer lower rates.
Here are the five cheapest insurers in Lexington after a ticket, according to Compare.com data.
Your rates can jump substantially if you cause an accident — it’s a red flag to insurers that suggests you’re a high-risk driver. Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
In Lexington, drivers pay an average of $238 per month after an accident, according to Compare.com data. But you can often find a better deal with one of the five insurers highlighted in the chart below.
If an officer catches you driving under the influence (DUI), expect a sharp increase in your car insurance rates. Our research shows that average rates increase by 59% nationwide after a DUI conviction.
Even worse, a DUI conviction can make it difficult to find coverage at all.[8] Some insurers may refuse to cover drivers with DUIs, while others might cancel existing policies, according to the Kentucky Transportation Cabinet.
The average rate for drivers with a DUI conviction in Lexington is $272 per month, according to our research. But that doesn’t mean you’re stuck with sky-high rates — some companies specialize in high-risk drivers, including drivers with DUIs.
The chart below shows the five cheapest insurers in Lexington for drivers with a DUI, according to Compare.com data.
Some insurance companies even consider your credit history when calculating your rates. Companies use your credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims in the future, according to the National Association of Insurance Commissioners.[9]
Our research shows drivers with poor credit pay 40% more than drivers with excellent credit. The average rate for drivers with poor credit in Lexington is $190 per month. But not all companies use credit history, and some offer affordable rates, regardless of your credit.
The chart below shows the five cheapest insurers in Lexington for drivers with bad credit, according to Compare.com data.
Compare personalized quotes from Lexington’s top insurers.
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Kentucky, like most states, requires all drivers to have car insurance. Here’s what you need to legally drive in Lexington:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Personal injury protection (PIP): $10,000 per person
Insurers must offer you uninsured motorist coverage, but you can decline it and PIP in writing if you don’t want them.[10] You can find more information about these requirements from the Kentucky Department of Insurance.
Most experts recommend buying coverage above the state’s minimum limits. That’s because these limits might not be enough to fully protect you in a serious accident. For example, they may recommend limits of at least 100/300/50 for many drivers who have significant assets to protect.[11]
And as we mentioned earlier, lenders and leasing companies require comprehensive and collision coverage if you finance or lease your car. Even if you own your car outright, it’s worth considering these additional coverages if you can’t afford to repair or replace your vehicle out of pocket.
Here are answers to some commonly asked questions about car insurance in Lexington.
The average monthly rate for car insurance in Lexington is $170, according to Compare.com data. Liability coverage averages $132 per month, while full coverage costs an average of $208 monthly.
Yes. Our research shows that car insurance rates in Lexington are higher than the national average due to factors like increasing population density, rising accident rates, and the state’s no-fault insurance system. But many insurers offer rates well below the city average, including Auto-Owners, State Farm, and GEICO, according to our data.
Auto-Owners offers the lowest average rate in Lexington, at $65 per month, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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