Cheapest Auto Insurance in Lexington, South Carolina (2025)
Lexington drivers can find the cheapest rates from USAA, with prices as low as $66 per month.
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Drivers in Lexington, South Carolina, pay $214 per month for car insurance, on average, compared to the national average of $144. Lexington’s role as county seat for Lexington County, and its proximity to the state capital, Columbia, likely create more congested roads, and probably contribute to its comparatively higher car insurance costs.
But the exact cost of your car insurance premiums will vary based on your unique driver profile — your credit history, driving record, age, and location will affect your rates. Always compare quotes from multiple companies before buying a policy.
3 of the cheapest car insurance companies in Lexington
Insurance companies consider several factors when determining your rate, but each company has a slightly different underwriting method of doing so. Factors considered include age, driving record, ZIP code, and vehicle type.
This wide range of factors and different methods often means you’ll find different rates across insurers for the same coverage. Start your search by checking out some of the insurance companies below that consistently offer cheap rates in Lexington.
Best insurer for veterans: USAA
Best insurer for families: State Farm
Best insurer for cheap rates: Auto-Owners
How to get the cheapest car insurance in Lexington
You’ll need to have car insurance to drive in Lexington, but you’ve got plenty of ways to keep your costs low. Here are some strategies to lock in cheap auto insurance:
Increase your deductible. A higher insurance deductible for collision or comprehensive coverage often comes with a lower insurance premium. Consider this choice if you have the financial resources to cover a higher deductible in the event of a claim.
Shop around. Each insurance company offers slightly different rates. You can find the best rate for your situation by comparing quotes from multiple insurers.
Look for discounts. Most auto insurance companies offer a range of discount opportunities. Find out if you qualify for lower rates.
Bundle policies. If you need multiple insurance policies, consider purchasing them through the same company. You might be able to lock in a discount by purchasing your home insurance, renters insurance, or life insurance from the same place as your auto insurance.
Cheapest liability-only car insurance in Lexington: USAA
Liability car insurance includes both property damage liability coverage and bodily injury liability coverage. After an at-fault accident, this coverage will help you pay to repair or replace the other driver’s vehicle. Additionally, it covers medical bills incurred by the other driver.1
Since this is a bare-bones coverage option, it tends to be the cheapest choice. But liability insurance doesn't pay for your damages or injuries in an at-fault accident, and insurance professionals recommend you buy coverage above state minimums for greater financial protection. Liability insurance in Lexington costs an average of $171 per month.
Explore the average monthly quotes for liability coverage by insurer in Lexington.
Cheapest full-coverage car insurance in Lexington: USAA
Full-coverage auto insurance offers more financial protection than a liability-only policy. In addition to liability coverage, it includes both comprehensive and collision coverages.1
Lexington drivers pay a monthly average of $258 for full coverage.
While auto lenders often require this type of coverage, any driver looking for more financial protection should consider carrying a full-coverage policy. Find cheap full-coverage auto insurance for Lexington drivers below.
Car insurance requirements in South Carolina
You must carry a minimum amount of auto insurance to drive in South Carolina legally. Here’s a look at the minimum insurance limits in this at-fault state:2
While South Carolina doesn't require you to buy the following coverages, you should consider carrying them if you drive frequently:
Cheapest car insurance for drivers with an incident
Lexington residents with a good driving record tend to find the best auto insurance rates, while drivers with incidents on their records usually see their premiums climb for several years.
Common traffic violations include speeding tickets, driving under the influence, and at-fault accidents. An incident indicates a higher risk to your insurance company, which causes it to raise rates.3
Cheapest car insurance for drivers with a speeding ticket: USAA
Although a speeding fine is inconvenient, it’s just the beginning of the costs. Most drivers with a speeding ticket on their driving record see their car insurance rates increase for three to five years.
On average, Lexington drivers with a speeding ticket pay $203 per month for liability-only coverage and $307 for full coverage. Explore the average monthly cost of liability-only auto insurance for drivers with a speeding ticket in Lexington below.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident almost always leads to higher car insurance premiums. It signals to insurers that you’re a risky driver, so they’ll raise rates to account for that extra risk.
In Lexington, the average monthly cost of car insurance for drivers with at-fault accidents is $215 for liability insurance and $325 for full coverage.
Check out the average monthly liability-only quotes for drivers in Lexington with an at-fault accident in their past.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is one of the most serious moving violations, and it stays on your record permanently in South Carolina. The offense often leads drivers with a DUI to face significantly higher auto insurance premiums. Some insurers may decide to non-renew your policy at the end of your policy term, or even cancel it mid-term.
Lexington car insurance rates reflect the seriousness of a DUI conviction. The average monthly quote for liability-only coverage is $214, and full coverage is $324. Below, you’ll find a breakdown of average monthly liability-only quotes for drivers with a DUI in Lexington.
Cheapest car insurance for seniors: USAA
Insurance companies consider age when determining rates, and as drivers hit their 70s, insurance companies tend to charge slightly higher rates due to increased accident risks. Seniors account for about 14% of Lexington County’s population.4
The average monthly cost of liability-only insurance for Lexington seniors is $149. If you’re a senior driver in Lexington looking for the most affordable rates, shopping around is essential.
Start your search by comparing average monthly quotes for Lexington seniors below.
Cheapest car insurance for teens: USAA
Teen drivers usually pay the most for car insurance since they don’t have much driving experience and are more likely to get into accidents. Liability coverage costs $343 per month for teen drivers in Lexington, on average.
But young drivers still have ways to save, including shopping around, increasing their deductible, driving a safe vehicle, applying for good student discounts, and staying on their parents’ insurance policies. Drivers younger than 18 won't be able to buy their own policies without written consent from a parent or guardian.
Take a look at the average monthly quotes for young drivers in Lexington below:
Lexington car insurance quotes by credit tier
South Carolina allows insurance companies to look at your credit history when determining your premium.5 Drivers with excellent or good credit scores often pay less than drivers with poor credit scores.
Here’s how your credit tier can affect your premium in Lexington:
Is car insurance more expensive in Lexington?
Drivers in Lexington pay an overall average monthly premium of $214 per month, which is more expensive than most other cities in the Palmetto State. For example, drivers in the coastal city of Charleston pay an overall average of $232 per month for coverage. And by comparison, the overall average monthly cost of car insurance in South Carolina is $206.
More cities in South Carolina
Car insurance rates vary based on a multitude of factors, your location being one of them. Drivers in denser cities typically pay higher premiums than drivers in rural areas with less congested highways.
Explore average quotes for other cities in South Carolina below.