Lexington, KY Car Insurance

Lexington drivers pay, on average, around $111 a month for their car insurance. Learn more in our handy guide below.

Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoFarmers LogoThe General Logo+120 more

Updated

Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure

At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.

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.

How do rates in Lexington measure up compared to neighboring areas, including Kentucky as a whole? What can Lexington residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Lexington?

Area
Average Monthly Car Insurance Premium
Lexington$111
KY$132
United States$81

The cost of coverage in Lexington is about $21 a month cheaper than it is for the rest of Kentucky.

If you're considering relocating to Lexington from out of state, you may want to budget a little extra for your insurance. It's about $30 more expensive for coverage in Lexington than the average rates for the U.S. as a whole.

Bear in mind that while these rates are the average costs for drivers in Lexington, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Lexington residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

Find your best rate in just a few minutes

Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Average Car Insurance Rates by Age

Age Range
Average Premium
Under 18$215
18-24$163
25-34$106
35-44$96
45-54Not Enough Data
55-64$79
65+$97

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in Lexington.

Average Car Insurance Rates by Gender

Gender
Average
Male$112
Female$111

On average, female drivers pay slightly less for car insurance than their male counterparts. In Lexington, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions
Average Monthly Premium
1 Accident$135
Multiple Accidents$153
1 Ticket$129
Multiple Tickets$158

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay significantly less than those with infractions. The rate for drivers in Lexington with a single accident on their record is about $135 a month. Similarly, drivers with one ticket will typically pay around $129 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Vehicle Age
Average Monthly Premium
Less Than 1 Year$95
2-3 Years$110
4-5 Years$121
6-7 Years$116
8-10 Years$117
11-14 Years$117
15 Years or Older$102

According to the first table above, the cheapest vehicles to insure in Lexington are typically trucks and vans, at $89 per month.

Car owners will see a monthly premium of about $114, while SUV owners usually pay around $112 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Lexington, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship
Average Monthly Premium
Single (never married)$116
Married$92
Divorced$98
Widowed$95

Overall, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

In Lexington, the difference in rates based on relationship status can be as much as $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status
Average Monthly Premium
Own$98
Rent$113
Live with parents$144

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Lexington. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

How does Lexington compare to neighboring areas?

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Why are car insurance rates in Lexington different from other areas?

Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Number of drivers in the region

  • Crime

  • Area laws

  • Road Safety (how many accidents each locality has)

  • Off-street parking accessibility

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Lexington?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Lexington.

Lexington Insurance FAQs

  • Why is the cost of car insurance in Lexington different from other neighboring cities?

    Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

  • Which car insurance company will offer me the cheapest rate in Lexington?

    Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

  • Do I need to change my insurance if I move to Lexington?

    Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

  • Do I need to wait for my policy to expire to switch to a different car insurance company?

    No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Lexington or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles