How to find the cheapest car insurance in Lexington
On average, car insurance in Lexington costs $112 per month for minimum liability coverage, or about $244 per month for full-coverage insurance. Lexington drivers pay 5% less the Arkansas state average.
It’s hard to find cheap car insurance in Kentucky, let alone in Lexington! There are dozens of different auto insurance companies hiding the cheapest option among hundreds of products. Luckily, there’s an easy way to find the best coverage for your needs (and the driver discounts for your budget).
Just ask Jerry to find it! Jerry captures your policy details with just a few questions and fetches quotes with the lowest rates in less than a minute. Finding cheap car insurance has never been easier—no phone calls or research required!
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Trexis | $211 | 52 | 40517 | Nissan Versa S | State Minimum | Yes |
| Progressive | $68 | 30 | 40503 | Honda Cr-V Lx | State Minimum | Yes |
| Trexis | $158 | 31 | 40517 | Honda Accord Se | State Minimum | No |
| Trexis | $236 | 32 | 40508 | Chevrolet Silverado C1500 | State Minimum | Yes |
| Dairyland | $390 | 54 | 40513 | Jeep Grand Cherokee Overl | State Minimum | Yes |
Best Car Insurance Companies in Lexington
There is no single best car insurance company in Lexington for everyone. Insurance rates depend on so many different factors that the most affordable provider varies from driver to driver.
Jerry conducted the largest insurance survey in the nation to help drivers better compare the cheapest car insurance companies—and the results are surprising.
While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General received the highest overall ratings.
The table below shows how drivers in Lexington rate different companies on a scale of 0 to 5.
| Insurance Company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.5 | 4.3 | 4.2 | 4.6 |
| State Farm | 4.1 | 3.2 | N/A | 4.2 |
| Allstate | 3.8 | 3.4 | N/A | 4 |
| Liberty Mutual | 3.7 | 3.4 | N/A | 3.8 |
| Geico | 3.7 | 3 | 3 | 4.1 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lexington
Kentucky car insurance law mandates drivers to maintain minimum liability insurance along with basic personal injury protection (PIP) coverage. Failure to obtain and maintain insurance on a vehicle can result in registration revocation, a fine of up to $1,000, and up to 90 days in jail.
It’s important to follow state insurance laws to financially protect yourself and others in case of an accident.
Cheap minimum liability insurance quotes in Lexington
Alternatively, the second type of minimum liability coverage auto owners may opt for is a single policy limit of $60,000.
In addition to liability coverage, all car insurance policies in Kentucky automatically come with $10,000 of basic PIP benefits. In exchange for these benefits, drivers agree to limitations on their right to sue other drivers for bodily injury under $1,000.
Do you need more than minimum coverage in Lexington?
Most drivers in Lexington need higher liability coverage than the 25/50/25 state minimum mandated by Kentucky car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can easily climb above $40,000—well past that $25,000 property damage limit.
It’s important to note that Kentucky’s car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident!
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to protect your car with full coverage.
Cheap full coverage car insurance quotes in Lexington
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your vehicle.
- Collision coverage insures your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle’s actual cash value.
- Comprehensive coverage covers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.
While a full coverage policy tends to come with higher annual premiums, most drivers find that the peace of mind is well worth it. And if your car is financed or leased, your lender will require it. Jerry can assist you in purchasing a foul coverage plan that also aligns with your financial goals.
On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
The table below shows some recent examples of the cheapest Lexington full coverage quotes that Jerry’s agents helped our customers obtain.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | Trexis | $211 | 52 | 40517 | Nissan Versa S |
| State Minimum | Yes | Progressive | $68 | 30 | 40503 | Honda Cr-V Lx |
| State Minimum | No | Trexis | $158 | 31 | 40517 | Honda Accord Se |
| State Minimum | Yes | Trexis | $236 | 32 | 40508 | Chevrolet Silverado C1500 |
| State Minimum | Yes | Dairyland | $390 | 54 | 40513 | Jeep Grand Cherokee Overl |
Average cost of car insurance in Lexington
Based on Jerry’s work with drivers in Lexington, we’ve found that the average annual cost minimum liability coverage is $1,343 each year. That works out to about $112 per month. For full coverage, Lexington drivers typically pay $2,927 per year or $244 per month.
Researching average insurance rates can help you predict your insurance costs. Still, it’s important to note that each driver’s insurance premium is calculated based on many factors, like the car type, driving record, claims history, and demographics.
Average cost of car insurance in Lexington by zip code
Researching average insurance rates can help you predict your insurance costs. Still, it’s important to note that each driver’s insurance premium is calculated based on many factors, like the car type, driving record, claims history, and demographics.
What’s the lowest you can go? Insurance premiums for minimum liability coverage in Lexington start at $112 per month, while full coverage policies start at about $244. If you’d like your rates to look more like these, make sure to compare plenty of car insurance quotes to find the right price.
| Zip Code | Average Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 40502 | $80 | $130 |
| 40503 | $101 | $144 |
| 40504 | $96 | $235 |
| 40505 | $120 | $180 |
| 40507 | $48 | $138 |
| 40508 | $108 | $188 |
| 40509 | $88 | $190 |
| 40511 | $93 | $168 |
| 40513 | $65 | $193 |
| 40515 | $107 | $165 |
| 40517 | $97 | $162 |
Car insurance quotes in Lexington by rating factors
Insurance companies in Lexington use many rating factors when calculating your auto insurance premium:
- Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience.
- The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you store your car: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure.
Cheap car insurance quotes in Lexington after driving violations
Your Kentucky driving record impacts your auto insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Some common violations that may raise your insurance rates include the following:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Lexington after speeding ticket
In Lexington, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | National General | $310 | 31 | 40502 | Lincoln Mkz Premiere | State Minimum | No |
| Speeding Violation-Minor | National General | $640 | 31 | 40517 | Nissan Maxima 3.5 Platinum | State Minimum | Yes |
| Speeding Violation-Major | National General | $258 | 32 | 40508 | Toyota Corolla Matrix | State Minimum | No |
| Speeding Violation-Minor | National General | $175 | 28 | 40509 | Lincoln Town Car Cartier | State Minimum | No |
| Speeding Violation-Minor | Trexis | $174 | 54 | 40504 | Toyota Camry Ce | State Minimum | No |
Cheapest car insurance in Lexington after DUI
In Lexington, a DUI violation can raise your insurance rates and label you as a high-risk driver. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another.
That means you should compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Lexington drivers find affordable auto insurance rates after a DUI.
Cheapest car insurance in Lexington after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. For Lexington drivers, car accidents could result in an average rate increase.
Kentucky is an at-fault state. If you’ve recently caused an accident, your car insurance rates could skyrocket. Jerry has helped many Lexington drivers save on car insurance after accidents.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $68 | 30 | 40503 | Honda Cr-V Lx | State Minimum | Yes |
| At Fault With No Injury | Dairyland | $390 | 54 | 40513 | Jeep Grand Cherokee Overl | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $349 | 46 | 40515 | Kia Optima Lx | State Minimum | No |
| Not At Fault | Trexis | $236 | 28 | 40503 | Toyota Rav4 Limited | State Minimum | No |
| At Fault With Injury | The General | $261 | 34 | 40517 | Hyundai Santa Fe Limited | State Minimum | No |
Cheapest car insurance in Lexington after other driving violations
If you’ve been hit with speeding, DUI, or reckless driving in Kentucky, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Lexington—turn to a licensed insurance broker!
A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Failure to Obey Signal | Trexis | $236 | 28 | 40503 | Toyota Rav4 Limited | State Minimum | No |
| DUI | Progressive | $101 | 29 | 40504 | Honda Cr-V Ex | 50/100 | No |
| Other Minor | Bristol West | $204 | 31 | 40517 | Kia Optima Lx | State Minimum | No |
| Failure to Obey Signal | Progressive | $154 | 26 | 40511 | Subaru Wrx Sti Limited | State Minimum | Yes |
| Failure to Obey Signal | AAA | $161 | 53 | 40515 | Ford Econoline E250 Van | State Minimum | No |
Cheap car insurance quotes in Lexington by age
Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you’re a teenage driver or senior driver who falls outside these bounds, here’s how to make the most of your age.
Cheapest car insurance in Lexington for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Lexington. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents. But staying on a parent’s policy is the best way to keep rates low.
Cheapest car insurance in Lexington for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies.
This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
Cheap car insurance quotes in Lexington based on insurance history
Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.
Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a lapse in insurance coverage could lead to being labeled a “high-risk driver,” resulting in higher premiums.
Cheap car insurance quotes in Lexington for drivers with poor credit
Unfortunately, having low credit can stop you from finding the best rates.
Insurers use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the higher the insurance cost you will face.
While your credit score may not be a good indicator of how you drive, individuals with low credit scores get penalized regarding premiums.
On average, Kentucky drivers with poor credit scores can see rates about 93% higher than drivers with good credit scores. That said, the degree to which your credit score affects premiums varies between auto insurance companies.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Trexis | $211 | 52 | 40517 | Nissan Versa S | State Minimum | Yes |
| 750+ | Progressive | $68 | 30 | 40503 | Honda Cr-V Lx | State Minimum | Yes |
| 550-659 | Trexis | $158 | 31 | 40517 | Honda Accord Se | State Minimum | No |
| <550 | Dairyland | $390 | 54 | 40513 | Jeep Grand Cherokee Overl | State Minimum | Yes |
| 550-659 | Progressive | $171 | 72 | 40509 | Kia Sportage S | State Minimum | Yes |
Cheap car insurance quotes in Lexington for popular cars
Your vehicle’s make and model also influence how much you pay for car insurance. The cheapest cars to insure have low repair costs, great security systems, and excellent safety ratings.
Popular car models in Lexington include:
- Chevrolet Silverado
- Ford F-Series
- Ram 1500/2500/3500
- Toyota RAV4
- Toyota Highlander
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Chevrolet Silverado C1500 | Trexis | $236 | 32 | 40508 | State Minimum | Yes |
| Toyota Rav4 Limited | Trexis | $236 | 28 | 40503 | State Minimum | No |
| Chevrolet Silverado K2500 Heavy Duty | Progressive | $489 | 25 | 40517 | 50/100 | Yes |
| Chevrolet Silverado C1500 | Dairyland | $544 | 30 | 40514 | 50/100 | Yes |
| Toyota Rav4 Le | Progressive | $120 | 29 | 40502 | 50/100 | Yes |
How to lower car insurance costs in Lexington
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place.
To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Each insurance company offers a set of discounts, but the precise discount provided varies by company. Some standard deals include the following:
- Good driver discounts. Many insurance providers offer discounts for drivers with a history of safe driving. Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you have full coverage car insurance, raising your deductible is an easy way to lower your monthly expenses without sacrificing coverage.
FAQ
-
How much is car insurance in Lexington?
-
What is the cheapest car insurance in Lexington?
-
What is the best car insurance in Lexington?
-
What is the minimum car insurance in Lexington, Kentucky?
-
Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
