Compare Lexington, TN Car Insurance Rates (2021)

Car insurance in Lexington, TN averages $310 a month. Lexington, Tennessee car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Lexington car insurance rates, compare quotes from the top car insurance companies in Lexington, TN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lexington is Travelers
  • Average car insurance rates in Lexington, TN are $3,725/year
  • Average car insurance rates in Lexington, TN after a DUI are $4,349/year

If you need to buy Lexington, Tennessee car insurance, the options can be confusing. Everything you need to know about car insurance in Lexington, TN is right here.

You’ll find Lexington car insurance rates, the cheapest Lexington, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Lexington, Tennessee car insurance rates to Murfreesboro car insurance rates, Memphis car insurance rates, and Knoxville car insurance rates.

Ready to find affordable Lexington, TN car insurance today? Enter your ZIP code for fast, free Lexington car insurance quotes.

Cheapest Lexington, TN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lexington, TN car insurance rates? Every Lexington, Tennessee car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lexington, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,889 $2,780 $2,593 $2,693 $10,724 $11,664 $3,094 $3,205
Farmers $1,933 $1,967 $1,742 $1,900 $7,727 $8,208 $2,601 $2,752
GEICO $2,144 $2,162 $1,972 $1,972 $6,584 $6,696 $2,183 $2,252
Liberty Mutual $3,761 $129 $3,083 $3,447 $15,231 $16,934 $4,040 $4,316
Nationwide $2,098 $2,121 $1,878 $1,915 $5,594 $7,251 $2,404 $2,626
Progressive $1,933 $1,830 $1,573 $1,641 $8,588 $9,684 $2,337 $2,563
State Farm $1,874 $1,874 $1,679 $1,679 $5,539 $6,963 $2,113 $2,437
Travelers $1,692 $1,780 $1,538 $1,636 $4,698 $5,812 $1,801 $1,894
USAA $1,563 $1,599 $1,404 $1,411 $5,402 $6,200 $2,040 $2,190

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Minimum Car Insurance in Lexington, TN

Every driver must carry the minimum car insurance in Lexington, TN. Take a look at the Tennessee car insurance requirements.

Minimum Required Car Insurance Coverage in Lexington, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Lexington, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lexington, TN. Compare credit history car insurance rates in Lexington from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lexington, Tennessee

Insurance Company Poor Fair Good
Allstate $6,328 $4,840 $3,698
Farmers $4,297 $3,348 $3,166
GEICO $3,681 $3,154 $2,901
Liberty Mutual $9,137 $5,591 $4,374
Nationwide $3,894 $3,084 $2,730
Progressive $4,246 $3,651 $3,409
State Farm $4,388 $2,630 $2,041
Travelers $3,317 $2,601 $1,901
USAA $3,969 $2,309 $1,900

Cheapest Lexington, TN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lexington, TN to rates for a clean record with top companies.

Annual Lexington, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,162 $4,956 $5,955 $4,748
Farmers $3,075 $3,806 $3,901 $3,634
GEICO $2,360 $3,161 $5,101 $2,360
Liberty Mutual $5,168 $7,439 $6,922 $5,942
Nationwide $2,795 $2,795 $4,216 $3,138
Progressive $3,320 $4,305 $3,535 $3,915
State Farm $2,764 $3,275 $3,020 $3,020
Travelers $2,117 $2,713 $2,994 $2,601
USAA $1,989 $2,961 $3,493 $2,462

Cheapest Lexington, TN Car Insurance for Teen Drivers

Teen car insurance in Lexington, TN can be expensive. Take a look at rates from the top car insurance companies in Lexington for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lexington, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,724 $11,664
Farmers $7,727 $8,208
GEICO $6,584 $6,696
Liberty Mutual $15,231 $16,934
Nationwide $5,594 $7,251
Progressive $8,588 $9,684
State Farm $5,539 $6,963
Travelers $4,698 $5,812
USAA $5,402 $6,200

Cheapest Lexington, TN Car Insurance for Seniors

Take a look at Lexington, TN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lexington, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,593 $2,693
Farmers $1,742 $1,900
GEICO $1,972 $1,972
Liberty Mutual $3,083 $3,447
Nationwide $1,878 $1,915
Progressive $1,573 $1,641
State Farm $1,679 $1,679
Travelers $1,538 $1,636
USAA $1,404 $1,411

Cheapest Lexington, TN Car Insurance Rates After a DUI

A DUI in Lexington, TN increases car insurance rates. Compare Lexington, Tennessee DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lexington, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,955
Farmers $3,901
GEICO $5,101
Liberty Mutual $6,922
Nationwide $4,216
Progressive $3,535
State Farm $3,020
Travelers $2,994
USAA $3,493

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Cheapest Lexington, TN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lexington, TN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lexington, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,955 $4,955
Farmers $3,604 $3,604
GEICO $3,225 $3,266
Liberty Mutual $6,368 $6,368
Nationwide $3,236 $3,236
Progressive $3,769 $3,769
State Farm $2,946 $3,093
Travelers $2,504 $2,709
USAA $2,648 $2,804

The Best Cheap Car Insurance Companies in Lexington, TN

Take a look at a side-by-side comparison of the top car insurance companies in Lexington, TN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lexington, Tennessee

Insurance Company Average Annual Rates
Allstate $4,955
Farmers $3,604
GEICO $3,246
Liberty Mutual $6,368
Nationwide $3,236
Progressive $3,769
State Farm $3,020
Travelers $2,606
USAA $2,726

Category Winners: Cheapest Car Insurance in Lexington, Tennessee

Find the cheapest car insurance companies in Lexington, TN for each category right here.

Best Annual Car Insurance Rates by Company in Lexington, Tennessee

Category Insurance Company
Teenagers Travelers
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI Travelers
With 1 Speeding Violation GEICO

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Cheapest Lexington, TN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lexington car insurance rates. Find the cheapest Lexington, TN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lexington, Tennessee

Insurance Company Low Medium High
Allstate $4,766 $4,943 $5,156
Farmers $3,397 $3,585 $3,829
GEICO $3,099 $3,241 $3,397
Liberty Mutual $6,097 $6,366 $6,640
Nationwide $3,267 $3,162 $3,279
Progressive $3,566 $3,769 $3,971
State Farm $2,850 $3,034 $3,174
Travelers $2,452 $2,604 $2,763
USAA $2,646 $2,717 $2,816

What affects car insurance rates in Lexington, Tennessee?

What factors can have an impact on Lexington, TN car insurance? There are several reasons why Lexington car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lexington, Tennessee.

Commute Time in Lexington

The more time you spend in your car the higher the risk of an accident. The average commute length in Lexington, TN is 25.1 minutes according to City-Data.

Traffic in Lexington

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lexington, TN traffic data from INRIX ranks Lexington as the 968th-most congested in the world.

Compare Car Insurance Quotes in Lexington, TN

Ready to find affordable Lexington, Tennessee car insurance today? Enter your ZIP code for fast, free Lexington, TN car insurance quotes.

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