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!


LEXINGTON CAR INSURANCE RATES
Lexington Average (annual)Kentucky AverageUnited States Average
$1,689$2,208$1,548

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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 CompanyAverage 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.


LEXINGTON AUTO INSURANCE COSTS BY AGE
Age groupAverage 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.


LEXINGTON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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.


LEXINGTON CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage 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.


LEXINGTON CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit ScoreAverage 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.

130

Rainy Days a Year

46"

Avg. Annual Rainfall

17"

Avg. Annual Snowfall

Be Prepared For

Driving in Lexington

2
Major Highways
U.S. 60 U.S. 27 U.S. 421
2
Public Transit
LexTran Bus

Find Local Lexington Agents

Whitt Insurance Agency, Inc.

2090 Harrodsburg Road, Lexington, KY 40503

Elite Insurance Agency

2408 Sir Barton Way Suite 375, Lexington, KY 40509

Whitaker Insurance Group

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

Not sure about Lexington

Check out these other Kentucky cities:

Louisville

2

$1,422

The average Lexingtonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

228

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

See How Much You Can Save in Lexington

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Recent Questions:

Lexington Car Insurance

How far back can I be charged for forced coverage?

It depends on the terms of your loan contract. In most cases at any point of time the vehicle was not insured they will force their own coverage on the vehicle and add it to your loan.

If my daughter caused less than $1,000 in damage to another car, should we still file a claim or pay out of pocket?

I would agree with your assumption. In Kentucky, an at-fault accident impacts rates by an average of $917 per year (page 58 of the report).