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What is the average cost of car insurance in Lexington?
The average cost of auto insurance in Lexington is $1,689 per year. That's less expensive than the statewide average in Kentucky ($2,208) and more expensive than the national average of $1,548. Our guide to Lexington car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more! Or, enter your Zip Code above to receive quotes in minutes.
LEXINGTON CAR INSURANCE RATES
|Lexington Average (annual)||Kentucky Average||United States Average|
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Lexington car insurance rates by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Lexington, State Farm offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Lexington. Don't forget to get car insurance quotes based on your unique driving profile.
LEXINGTON CAR INSURANCE PREMIUMS BY COMPANY
|Insurance Company||Average Annual Rate|
|Kentucky Farm Bureau||$1,056|
Lexington car insurance premiums by age
The age group that pays the least for car insurance in Lexington are drivers in their 50s ($1,435per year). Those in their 60s don't pay much more ($1,474).
The Lexington drivers facing the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Lexington is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Lexington is $4,320, the largest such difference between any two age brackets.
LEXINGTON AUTO INSURANCE COSTS BY AGE
|Age group||Average Annual Rate|
Lexington car insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Lexington pay $155 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Lexington, single drivers pay more than those who are widowed.
Gender is another factor that can affect auto insurance rates. In Lexington, female drivers pay $28 per year more than do male drivers for car insurance.
LEXINGTON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Lexington auto insurance costs by violation history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Lexington drivers found guilty of reckless driving face insurance rate increases of $819 per year, compared to the citywide average. A DUI violation may lead to a $1,027 increase, while a citation for speeding leads to a $278 rate hike.
LEXINGTON CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,408|
|At-fault Accident (damages greater than $2,000)||$2,635|
|Speeding Ticket (16-20 mph over speed limit)||$1,967|
Lexington auto insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In Lexington, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 60% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Lexington, improving your credit to "Fair" could help you earn a $1,445 decrease in annual car insurance rates.
LEXINGTON CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|
What drives up car insurance rates in Lexington?
Where you live in Lexington affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Lexington is no exception to the rule. From ZIP code 40510 to 40598, premiums rise by 22 percent—that’s $308.
Expensive Lexington ZIP codes: 40517, 40503, 40502, 40550, 40598
Cheap Lexington ZIP codes: 40510, 40504, 40513, 40526, 40536
Lexington Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Lexington, you can expect 130 rainy days with an annual rainfall of 46 inches. Lexington is also known to experience thunderstorms and tornadoes.
Rainy Days a Year
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Car Insurance Companies in Lexington
The average Lexingtonian's annual cost of coverage
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.