Cheapest Auto Insurance in Lexington, Kentucky (2025)

Around 320,000 people live in Lexington, the second-largest city in Kentucky. Lexington drivers pay an average of $124 per month for liability car insurance, which is higher than the national average liability insurance rate of $103 but lower than the state average of $119.

Lexington has a lower risk of tornadoes than elsewhere in the state, which helps explain why the city’s average rate is a bit lower than the state average.1 Northern Kentucky, in particular, faces a higher frequency of tornadoes.2

Here’s what you need to know about finding cheap auto insurance in Lexington, including comparing quotes, coverage options, and more.

3 of the cheapest car insurance companies in Lexington

Car insurance companies determine rates using different methods, so the cheapest option for you in Lexington depends on your insurance needs and driver profile. Key factors auto insurance companies consider include your vehicle type, age, driving record, and ZIP code.

Shopping around for coverage from multiple insurers is the best way to find the cheapest rates. Check out a few of the top insurance companies in Lexington below to begin your search. The average quotes displayed below reflect statewide costs for Kentucky drivers.

Best insurer for cheap rates: National General

Best insurer for veterans: USAA

Best insurer for families: State Farm

How to get the cheapest car insurance in Lexington

You can’t avoid paying for car insurance, but you can likely earn a lower car insurance premium. Consider the following ways to save:

• Shop around. Every car insurance company takes a slightly different approach when determining rates. To find the lowest rates available for your situation, take the time to compare quotes from multiple insurers.

• Find discounts. Most insurance companies offer some discounts. Find out if you qualify for any. Common discounts for drivers include those for having a clean record, bundling coverage, installing safety features, and more.

• Increase your deductible. Drivers with a higher deductible typically pay lower car insurance rates. If you can comfortably cover a higher deductible, consider changing your policy.10

Cheapest liability-only car insurance in Lexington: National General

Liability-only car insurance includes coverage for property damage and bodily injury you cause others during a car accident. After an accident, the insurance policy can help you pay to repair the other driver’s vehicle or cover their medical bills.

This coverage type is typically the cheapest car insurance option, but it doesn’t cover your vehicle at all after an accident.4 For this reason, liability-only coverage works best for drivers who have older, less-expensive vehicles, and who don't have a lease or loan.

The average cost of liability insurance in Lexington is $124 per month. You can find the cheapest options for liability coverage in Lexington below.

Cheapest full-coverage car insurance in Lexington: Auto-Owners

In addition to liability coverage, a full-coverage policy includes comprehensive and collision coverage. After an accident, collision coverage can help you pay to repair or replace your vehicle. Comprehensive coverage kicks in to pay for repairs caused by a non-collision incident, like a natural disaster or fallen tree. Full coverage also pays in case of vehicle theft or vandalism.

Most auto lenders require drivers to carry this coverage, so you may need to purchase it if you lease or finance your vehicle. It provides drivers with more financial protection in the event of an accident. Drivers with new or expensive vehicles should consider purchasing it.

On average, Lexington drivers pay $191 per month for full-coverage insurance. Here are the cheapest full-coverage auto insurance policy options in Lexington.

Car insurance requirements in Kentucky

Lexington drivers must carry a minimum of liability coverage to drive in the Bluegrass State. Kentucky state law operates under a choice no-fault system. Though the state requires a minimum amount of personal injury protection (PIP) for medical costs, drivers can choose to reject the basic coverage — and related benefits — in writing to the Department of Insurance.5

Here are the specific minimum car insurance requirements in Kentucky:6

Here are some additional optional coverages you might want to consider for more protection:

Cheapest car insurance for drivers with an incident

Some mistakes on the road can lead to traffic violations on your driving record. Common incidents — including speeding tickets, driving under the influence charges, and at-fault accidents — often lead to higher insurance premiums.7 Lexington drivers with clean records tend to pay the most affordable insurance premiums.

Cheapest car insurance for drivers with a speeding ticket: Progressive

If you get caught speeding, your speeding ticket typically comes with a fine. Most insurance companies also charge higher premiums to drivers with one or more speeding tickets on their record. A single speeding ticket shouldn’t affect your premium as much as more serious violations, like at-fault accidents and DUIs.

On average, Lexington drivers with a speeding ticket on their record pay $149 per month for liability insurance and $230 for full coverage.

Explore the average monthly liability insurance quotes for Lexington drivers with a speeding ticket from some of the cheapest insurers below.

Cheapest car insurance for drivers with an at-fault accident: National General

If you cause an accident, your auto insurer will typically increase your auto insurance premiums. Insurance companies view you as a higher-risk driver if you have one or more previous accidents on your record. The severity and resulting damage of your accident can also influence how much your premium increases.

The average cost of car insurance in Lexington for drivers with a past accident is $163 per month for liability insurance and $252 for full-coverage insurance. Here are the average monthly liability rates for Lexington drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: Progressive

A driving under the influence (DUI) charge is possibly the most serious incident you can have on your driving record. If you have a past DUI, you’ll likely pay significantly higher insurance premiums.

While average rates tend to increase across all insurance companies, shopping around can help you save on car insurance costs after a DUI. Lexington drivers with a DUI pay an average of $157 per month for liability coverage and $242 for full coverage.

Here are the cheapest rates for Lexington drivers with a DUI.

Cheapest car insurance for seniors: National General

Insurance companies consider your age when determining insurance costs. Between the ages of around 25 and 70, drivers benefit from a decades-long trend of lower rates. Car insurance costs tend to increase again slightly for drivers 70 and older. Auto insurers may charge higher rates to account for aging-related risk factors.

By taking the time to shop around, you can find the cheapest quote for your situation. Senior drivers pay $106 per month for liability insurance and $163 for full-coverage insurance in Lexington, on average.

Start your search with a look at the cheapest average monthly rates for senior drivers in Lexington below.

Cheapest car insurance for teens: Progressive

With less experience on the road, teen drivers face the highest rates by age group. The average cost of car insurance for teenagers in Lexington is $228 per month for liability coverage and $351 for full-coverage insurance. Auto insurers view young drivers as more likely to demonstrate risky or reckless driving behavior and have accidents.

Though young drivers usually pay more, you don’t have to pay more than necessary. You can try receiving lower rates by shopping around for car insurance, signing up with your parents’ insurance company, driving a safe car, earning good grades, completing and approved driver education course, and increasing your collision and comprehensive deductible.9

Here are the cheapest car insurance companies for young drivers in Lexington.

Lexington car insurance quotes by credit tier

Drivers with excellent or good credit generally pay less for car insurance than drivers with poor credit. Kentucky insurance companies can consider your credit history when determining premiums, so your credit history will likely influence your premium.

Here are the average full-coverage rates by credit tier for Lexington drivers.

Is car insurance more expensive in Lexington?

Auto insurance in Lexington is more expensive than the national average. On average, Lexington drivers pay $124 per month for liability insurance and $191 for full coverage. The monthly national average, for comparison, is $103 for liability coverage and $182 for full coverage.

Car insurance in Lexington is comparable to the state average cost of insurance in Kentucky, which is $119 per month for liability and $190 for full-coverage insurance.

Residents of Lexington have rates lower than the state average due to a smaller population and less traffic congestion than Kentucky’s largest city, Louisville. Lexington has a population per square mile of around 1,150, while Louisville’s per square mile population is about 4,000, according to 2020 data from the United States Census Bureau. Lexington also has less of a risk of tornadoes than other, more northern, parts of Kentucky.

More cities in Kentucky

Lexington is a growing city in Kentucky. If you live in a different part of the state, you’ll likely find different car insurance costs. On average, Lexington drivers pay $191 per month for full-coverage insurance and $124 for liability coverage. See how average rates compare in other Kentucky cities below.

Lexington car insurance FAQs