Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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 Average (annual) Kentucky Average United States Average
$1,689 $2,208 $1,548

Jump to Lexington auto insurance rates by:

Or compare insurance rates instantly:

Location pin icon
No spam. We take your privacy seriously.

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.

Insurance Company Average Annual Rate
State Farm $1,021
Kentucky Farm Bureau $1,056
GEICO $1,115
Liberty Mutual $1,757
Progressive $1,928

Consult our expert guide to finding the best cheap car insurance.

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.

Age group Average Annual Rate
Teenagers $6,616
20s $2,296
30s $1,644
40s $1,539
50s $1,435
60s $1,474
70s $1,802

Learn more about the impact of age on auto insurance rates.

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.

Gender/Marital Status Average Yearly Rate
Female $1,717
Male $1,689
Single $1,534
Married $1,534
Divorced $1,689
Widowed $1,595

Learn more about the impact gender and marital status have on insurance rates.

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.

Violation Average Yearly Rate
DWI/DUI $2,716
Reckless Driving $2,508
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

Learn more about the impact of driving violations on car insurance rates.

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.

Credit Score Average Yearly Rate
Very Poor $3,493
Fair $2,047
Good $1,689
Very Good $1,554
Exceptional $1,384

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Lexington

Major Highways
U.S. 60 U.S. 27 U.S. 421
Public Transit
LexTran Bus

Find Local Lexington Agents

Whitaker Insurance Group

2311 Paris Pike, Suite #150, Lexington, KY 40505

Elite Insurance Agency

2408 Sir Barton Way Suite 375, Lexington, KY 40509

Whitt Insurance Agency, Inc.

2090 Harrodsburg Road, Lexington, KY 40503


The average Lexingtonian's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 228 cups of coffee or $569 in savings

See How Much You Can Save in Lexington

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.

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.