How much does car insurance cost in Lexington, Kentucky?


Premiums in Lexington, which fall below Kentucky's average by 25%, are recognized for being inexpensive. Keep some cash in your pocket by following our tips choosing your auto insurance company wisely.


INSURANCE COSTS: LEXINGTON VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,429$1,911$1,569


Lexington Auto Insurance Rates by Age

At $1,279, drivers in their 50s have the smallest car insurance premiums among any age group. People in their 60s ($1,311) have premiums that aren't much higher. With typical rates of $6,050, teenage drivers pay the most in car insurance premiums. Drivers in Lexington see the biggest decrease in premiums when they hit their 20s, as they pay an average of $4,771 less after moving out of the teenage age range. In Lexington, turning 60 means an increase in car insurance premiums. Until that age, moving up in age brackets leads to lower prices.


LEXINGTON AUTO INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$6,050
20s$1,958
30s$1,419
40s$1,352
50s$1,279
60s$1,311
70s$1,553


Lexington Auto Insurance by Credit Rating


People with Very Poor credit (300-579) pay an average of more than three times as much every year for car insurance than those with Exceptional credit (800-850). Drivers can save nearly 50% per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).


LEXINGTON CAR INSURANCE RATES BY CREDIT LEVEL
Credit QualityAverage Rate
Very Poor$3,617
Fair$1,793
Good$1,429
Very Good$1,290
Exceptional$1,195


Lexington Car Insurance by Accident or Violation History


Do you know how much an accident or violation on your record can cost you in terms of car insurance rates? An at-fault accident with greater than $2,000 worth of damages will increase your car insurance premiums more than other driving violations. Nobody plans on getting into an accident, but stuff happens, so be aware of how your rates can change following one. $802 is, on average, the additional cost of car insurance in Lexington if you have an at-fault accident on your driving record. In Lexington, drivers with a DUI pay $736 more than the city average to insure their vehicle. Reckless driving will also push your rates up, with typical costs of of $2,190. That is 53% higher than the city average!


AVERAGE LEXINGTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationMean Rate
DUI$2,164
Reckless Driving$2,190
At-fault Accident (damages less than $1,000)$2,230
At-fault Accident (damages greater than $2,000)$2,230
Speeding Ticket (16-20 mph over speed limit)$1,696


Lexington Car Insurance by Gender and Marital Status


There are a variety of factors, including marital status and gender, that influence car insurance premiums in Lexington. Premiums for men are usually 2% cheaper than for women. Being single can cost you 6% more per year compared to being married. Rates for those who are widowed are marginally cheaper than rates for those who are single.


LEXINGTON CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,465
Male$1,429
Single$1,429
Married$1,351
Divorced$1,429
Widowed$1,408


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

Elite Insurance Agency

2408 Sir Barton Way Suite 375 Lexington, KY 40509

Whitaker Insurance Group

2311 Paris Pike, Suite #150 Lexington, KY 40505

Whitt Insurance Agency, Inc.

2090 Harrodsburg Road Lexington, KY 40503

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).