How Much Does Car Insurance Cost in Lexington?


On average, premiums in Lexington are $454 less than the state average, so being knowledgeable about premiums while insuring a vehicle in Lexington is especially imperative. Keep some cash in your pocket by following our tips and saving on auto insurance in Lexington.


INSURANCE PRICES: LEXINGTON VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,596$2,050$1,427


Lexington Car Insurance After Accidents or Violations


Having an untarnished driving record is critical if you want to keep the price of premiums low. Generally, a DUI in Lexington will cost you 55% more in car insurance premiums versus the city average of $1,596. Reckless driving will also push your rates up, with typical rates of $2,459! In Lexington, individuals who are found at-fault in an accident pay $867 more per year to insure their vehicle.


AVERAGE LEXINGTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI$2,471
Reckless Driving$2,459
At-fault Accident (damages less than $1,000)$2,463
At-fault Accident (damages greater than $2,000)$2,463
Speeding Ticket (16-20 mph over speed limit)$1,918


Lexington Auto Insurance by Marital Status and Gender


Car insurance premiums in Lexington differ depending on driver characteristics such as marital status and gender. Males have premiums that are nearly 2% cheaper than those for females. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being single, as opposed to married, can cost you approximately 6% more per year.


LEXINGTON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,625
Male$1,596
Single$1,596
Married$1,507
Divorced$1,596
Widowed$1,585


Lexington Auto Insurance by Credit Level


Average car insurance premiums in Lexington for individuals with Very Poor credit (300-579) are 2.5x higher than for those with Exceptional credit (800-850). Moving from Fair (580-669) to Good (670-739) creates the greatest percent drop in premiums, as drivers save an average of 22% per year.


LEXINGTON CAR INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Car Insurance Rate
Very Poor$3,490
Fair$2,760
Good$2,143
Very Good$1,695
Exceptional$1,386


Lexington Car Insurance Costs by Driver Age

Car insurance premiums are highest for teenage drivers, with typical rates of $6,851 per year. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance premiums among any age group, with rates of $1,417 per year. However, those in their 60s ($1,452) aren’t paying much more. The greatest decrease in premiums for Lexington drivers happens when they hit their 20s. Once out of the teenage age bracket, they save an average of 68% every year. Car insurance premiums in Lexington continue to trend downward up until drivers turn 60.


LEXINGTON AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$6,851
20s$2,193
30s$1,582
40s$1,499
50s$1,417
60s$1,452
70s$1,801


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Lexington, you can expect 130 rainy days with an annual rainfall of 46 inches. Lexington is also known to experience thunderstorms and tornadoes. You can check on the condition of the roads anytime here.

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

Whitaker Insurance Group

2311 Paris Pike, Suite #150 Lexington, KY 40505

Elite Insurance Agency

2408 Sir Barton Way Suite 375 Lexington, KY 40509

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

icon_coffee

228

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

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Recent Questions:

Lexington Car Insurance

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

May 03, 2017

My 20 yr old daughter hit someone and tore the owner’s rear bumper cover. The cost of replacing the cover ...

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