In Lexington, State Farm offers the lowest minimum coverage car insurance at $495 per year, while Nationwide provides the cheapest full coverage at $1,060 annually. Other affordable insurers in the city include GEICO, Shelter and Auto-Owners.
Car Insurance in Lexington
Updated: August 10, 2025
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Key Takeaways
The cheapest car insurance companies in Lexington include State Farm, GEICO and Nationwide, with rates up to 23% lower than the city average.
Monthly car insurance costs in Lexington average $109 for full coverage and $62 for minimum coverage.
You'll find the best cheap auto insurance in Lexington by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Lexington?
| State Farm | $41 | $96 | -23% |
| GEICO | $44 | $97 | -20% |
| Nationwide | $56 | $88 | -19% |
| Auto-Owners | $52 | $94 | -17% |
| Shelter | $46 | $102 | -17% |
Compare the Cheapest Lexington Car Insurance for You
Your car insurance rates can vary significantly based on your driving record and personal details. Check the table below to find the most affordable insurer for your specific profile.
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $41 | $495 | -36% |
| Geico | $44 | $528 | -32% |
| Shelter | $46 | $553 | -29% |
| Farm Bureau | $50 | $603 | -22% |
| Auto-Owners | $52 | $628 | -19% |
Cheapest Car Insurance by Age Group in Lexington
Car insurance prices vary significantly by age in Lexington. Our analysis breaks down drivers into three age groups: young drivers (16 to 25), adults (26 to 64), and seniors (65+). Here are the most affordable options for each group:
- Cheapest Car Insurance for Young Drivers: State Farm (from $102 per month)
- Cheapest Car Insurance for Adults: State Farm (from $41 per month)
- Cheapest Car Insurance for Seniors: Shelter (from $49 per month)
Cheapest Car Insurance for Young Drivers in Lexington
State Farm and Travelers offer the best car insurance rates for young drivers in Lexington with average monthly premiums of $102 and $109 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $102 | $1,224 | -34% |
| Shelter | $109 | $1,310 | -30% |
| Travelers | $109 | $1,312 | -30% |
| Auto-Owners | $111 | $1,331 | -29% |
| Farm Bureau | $115 | $1,376 | -26% |
Cheapest Car Insurance for Adult Drivers in Lexington
State Farm offers the lowest rates for adult drivers (26 to 64) in Lexington, saving drivers 36% compared to the city average. GEICO and Travelers also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $41 | $495 | -36% |
| Geico | $44 | $528 | -32% |
| Shelter | $46 | $553 | -29% |
| Farm Bureau | $50 | $603 | -22% |
| Auto-Owners | $52 | $628 | -19% |
Cheapest Car Insurance for Senior Drivers in Lexington
For seniors in Lexington, Shelter offers the lowest minimum coverage rate at $49 per month, while Nationwide provides the most affordable full coverage at $103 per month.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Shelter | $49 | $585 | -44% |
| State Farm | $55 | $657 | -37% |
| Geico | $61 | $735 | -29% |
| Farm Bureau | $65 | $775 | -25% |
| Nationwide | $67 | $807 | -22% |
Cheapest Car Insurance for High-Risk Drivers in Lexington
These insurance companies offer the lowest rates for high-risk drivers in Lexington:
- Cheapest for Bad Credit: Grange (from $54 per month)
- Cheapest With a DUI: State Farm (from $45 per month)
- Cheapest With an Accident: State Farm (from $49 per month)
- Cheapest With a Speeding Ticket: State Farm (from $45 per month)
Cheapest Car Insurance for Bad Credit in Lexington
In Lexington, the cheapest monthly premium for bad credit drivers is $54 for minimum coverage and $83 for full coverage from Grange. Both rates offer significant savings compared to the city average.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Grange Insurance | $54 | $648 | -54% |
| Geico | $77 | $922 | -35% |
| Shelter | $83 | $1,000 | -30% |
| Nationwide | $86 | $1,037 | -27% |
| Farm Bureau | $88 | $1,054 | -26% |
Cheapest Car Insurance With a DUI in Lexington
State Farm offers the cheapest car insurance in Lexington for drivers with DUIs. You'll save 63% on minimum coverage and 49% on full coverage compared to average city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $45 | $535 | -61% |
| Shelter | $61 | $727 | -47% |
| Travelers | $78 | $937 | -31% |
| Progressive | $89 | $1,071 | -21% |
| Nationwide | $106 | $1,269 | -7% |
Cheapest Car Insurance With an Accident in Lexington
State Farm offers the lowest car insurance rates in Lexington for drivers with an accident, with premiums starting at $49 per month. Its rates are 49% below the city average, making them the most affordable option for drivers with accident records.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $49 | $583 | -49% |
| Shelter | $61 | $727 | -37% |
| Farm Bureau | $65 | $779 | -32% |
| Geico | $66 | $792 | -31% |
| Travelers | $73 | $871 | -24% |
Cheapest Car Insurance With a Speeding Ticket in Lexington
For Lexington drivers with speeding tickets, State Farm provides the cheapest insurance options. Their rates start at $45 monthly for minimum liability and $102 monthly for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $45 | $535 | -43% |
| Shelter | $46 | $553 | -41% |
| Geico | $46 | $556 | -41% |
| Farm Bureau | $50 | $603 | -36% |
| Auto-Owners | $61 | $729 | -22% |
Best Car Insurance Companies in Lexington
In Lexington, the top car insurance companies are Auto-Owners, Travelers, State Farm and Nationwide. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Auto-Owners | 95 | 4 | 1 | 6 |
| Travelers | 91 | 6 | 2 | 5 |
| State Farm | 89 | 1 | 5 | 7 |
| Nationwide | 88 | 3 | 7 | 5 |
| GEICO | 87 | 2 | 6 | 7 |
Auto-Owners: Best Customer Service
pros
Top-rated customer experience
Affordable for young drivers
Strong claims handling
cons
Limited online tools
Basic coverage options
COMPANY HIGHLIGHTS
Auto-Owners earns the top spot in Lexington with exceptional customer service ratings. Local drivers get personalized support and efficient claims handling from the company's agent network. The insurer particularly stands out for young drivers, offering the most affordable rates in this category. While Auto-Owners keeps premiums competitive, its main strength lies in personal service rather than digital tools.
Travelers: Best for Coverage Options
pros
Extensive coverage selections
Strong customer satisfaction ratings
Competitive rates
cons
Higher full coverage costs
Average digital experience
COMPANY HIGHLIGHTS
Travelers ranks second in Lexington by balancing solid coverage options with good customer service. The company offers more add-on coverages than most competitors, letting drivers customize their protection. While full coverage costs run slightly higher than some rivals, Travelers maintains competitive minimum coverage rates. Their strong customer satisfaction scores show they deliver on their service promises.
How Much Is Car Insurance in Lexington?
In Lexington, minimum coverage costs $62 per month or $747 per year, ranking 259th out of all Kentucky cities for affordability. Full coverage averages $109 monthly or $1,311 annually, ranking 250th among Kentucky cities.
| Full Coverage | $109 | $1,311 |
| Minimum Coverage | $62 | $747 |
Compare Personalized Lexington Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use this table to filter Lexington car insurance rates by your age, driving history and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $172 | $2,059 | -16% |
Lexington Car Insurance Costs by ZIP Code
In Lexington, car insurance rates by ZIP code range from $53 to $145 per month. ZIP code 40513 is the most affordable, while 40511 has the highest rates. Check the average rates for your ZIP code below.
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ZIP Code:40502
| 40502 | $88 | $143 |
How to Get the Best Cheap Lexington Car Insurance
Finding affordable car insurance in Lexington can be challenging with the city's high average rates, but you can lower your costs with the right approach. Our step-by-step guide shows you exactly how to get cheaper coverage while maintaining the protection you need.
- 1
Calculate your coverage needs
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to evaluate your requirements based on your vehicle's value, assets, and risk tolerance. This creates a solid foundation for comparing policies.
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Explore different coverage types
Learn about various types of car insurance to find the most cost-effective option. Consider alternatives like pay-per-mile coverage if you drive infrequently or non-owner policies if you don't own a vehicle.
- 3
Know the average costs
Research average vehicle insurance costs in Lexington to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you identify genuinely competitive quotes and avoid overpaying.
- 4
Check available discounts
Maximize your savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5
Research company reliability
Investigate insurance providers' customer service ratings and claims satisfaction scores. Focus on companies with strong records in Kentucky and positive local reviews. This research helps ensure you're choosing a reliable insurer that will be there when you need them.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of online tools, local agents, and direct company websites to ensure you're getting the most competitive rates. Each company calculates risk differently, so comparing multiple quotes is essential.
- 7
Review coverage annually
Set a yearly reminder to review your car insurance policy. Your circumstances and insurance needs can change, and new discounts or better rates may become available. Regular reviews ensure you maintain optimal coverage at the best possible price.
Cheapest Car Insurance in Lexington: Bottom Line
Car insurance rates in Lexington depend on your age, driving record and vehicle type. State Farm and GEICO offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Lexington Car Insurance: FAQ
We've researched the cheapest car insurance options in Lexington to help you find affordable coverage that fits your needs. Our FAQ section provides clear answers about local requirements, discounts and ways to lower your rates while maintaining proper protection.
What is the cheapest car insurance company in Lexington, Kentucky?
State Farm offers the lowest rates in Lexington at $495 for minimum coverage, while Nationwide provides full coverage at $1,060. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Lexington?
Auto-Owners Insurance leads Lexington's car insurance market with a MoneyGeek score of 95 out of 100, scoring four points higher than Travelers. The company excels in both affordability and service quality.
What is the average cost of car insurance in Lexington?
In Lexington, drivers pay $1,311 for full coverage and $747 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Lexington expensive?
Car insurance in Lexington costs more than average, ranking 259th for minimum coverage affordability and 250th for full coverage compared to other Kentucky cities.
How We Chose the Best and Cheapest Car Insurance in Lexington, KY
To help Lexington drivers find the most affordable auto insurance companies, MoneyGeek analyzed Lexington auto insurance rates based on data and information from the Kentucky Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Lexington and hundreds of thousands of quotes for 12 companies offering auto insurance in Kentucky to tailor options as closely as possible to you.
Lexington Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Lexington with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Lexington
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Kentucky are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Lexington based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.