Cheapest Car Insurance in Lexington, KY (2025)

Lexington drivers pay an average of $744 per year for minimum coverage and $1,308 per year for full coverage. Lexington has some of Kentucky's lowest rates due to reduced car theft and accident rates compared to Louisville and other major cities. 

• Cheapest minimum liability coverage: State Farm offers Lexington's most affordable minimum coverage at $495 per year ($41 monthly). That's 33% lower than the city average of $744, saving you $249 annually. GEICO ranks second for minimum coverage at $528 per year ($44 monthly), a 29% savings compared to the city average.
• Cheapest full coverage: Nationwide offers the most affordable full coverage at $1,060 per year ($88 monthly), which is 19% below the city average of $1,308. That's $248 in annual savings. Auto-Owners' full coverage costs $1,133 per year ($94 monthly), which is still 13% below the city average but $73 more than Nationwide's annual cost.

Car insurance costs vary by age in Lexington, with younger drivers experiencing the highest rates. Here are the most affordable options by age group:

• Adults: State Farm and GEICO lead
• Seniors: Shelter Insurance and State Farm offer the best value
• Young drivers: State Farm and Shelter Insurance provide the lowest costs for this high-risk group

Young drivers can slash their premiums through State Farm's Steer Clear program, which offers up to 15% off after completing a safety course. Seniors aged 50 and older benefit from GEICO's Prime Time contract, which locks in rates without age-related increases.

Driving violations make car insurance more expensive. These Lexington providers offer the most affordable coverage for drivers with violations:

• Accident: State Farm at $48 and Shelter at $60 monthly
• Ticket: State Farm at $44 and Shelter at $46 monthly
• DUI: State Farm at $44 and Shelter at $60 monthly

In Kentucky, minor violations stay on your record for five years before rates decrease.

Auto insurance premiums across Lexington neighborhoods show differences based on location. The priciest area is 40511, where drivers pay $145 monthly for full coverage, compared to the most affordable ZIP codes like 40513, 40514, and 40515 at just $96 monthly.

Auto-Owners earned 94 out of 100 on MoneyGeek's rating scale. Travelers follows closely with a strong 91 out of 100 score. Auto-Owners leads in customer service and claims satisfaction. 

Our evaluation used agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Travelers also delivers a solid customer experience while maintaining competitive coverage options with standard and specialty policies.

See below for why each insurer excels and which fits your needs.

Lexington drivers have high car insurance costs throughout Kentucky. Shop around, secure better rates and select appropriate coverage:

Our insurance experts provide answers to common questions about finding affordable coverage in Lexington:

Lexington drivers pay some of Kentucky's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Kentucky Department of Insurance and Quadrant Information Services. Our research covered all Lexington ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Lexington's specific risks including hail storms, flash flooding, higher accident rates and Kentucky's high percentage of uninsured drivers.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Kentucky's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling accidents caused by uninsured drivers.

Coverage options (10%): More choices mean better odds of matching coverage to Lexington risks like flood damage, uninsured motorists and theft in high-risk areas.