Auto Insurance Rates in Lexington

The average Lexington car insurance rates are $132.92/mo. Kentucky is a no-fault state with minimum requirements of 25/50/10 of bodily injury and property damage coverage for Lexington car insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jan 20, 2021

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Here's what you need to know...

  • Lexington residents must abide by Kentucky car insurance laws
  • Kentucky is a no-fault state, so your own insurance will cover you in an accident regardless of who is at fault
  • Being caught with no insurance while driving will result in stiff penalties
  • If you own a frequently stolen car, your insurance premiums will be higher

Finding car insurance in Lexington can be difficult but it doesn’t have to be. We will give you all the information you need about Lexington and car insurance requirements so you can make a choice for car insurance that best suits your needs.

Just enter your ZIP code into our FREE code search and compare car insurance INSTANTLY!

About Lexington, Kentucky

The last full census conducted by the United States Government census bureau found that Lexington is home to over 260,000 people.

The median age of this population is 33 years which is a couple of years below the national average of 35.3 years. 50.9 percent of the population is female which leaves 49.1 percent for men.

The median housing value at the time of the last US census was $110,800.

People that live in Lexington, Kentucky are well above the national average in both high school diplomas and bachelor’s degrees or higher.

The high school diploma rate is 85.8 percent of the population compared to the national average of 80.4 percent while 35.6 percent of those have gone on to achieve a Bachelor’s degree or higher.

The national average for post-secondary education degrees is only 24.4 percent.

Lexington, Kentucky is full of rich forests and beautiful valleys. There are endless miles of road winding through the national parks and tourist sites. The Appalachian Mountains run through and all around Lexington and are adorned with many miles of highway.

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Car Insurance Requirements for Lexington

Kentucky is one of only 12 states in the Union that is known as a “no-fault state.” What this means is someone with car insurance in Lexington, Kentucky can receive benefits from his/her own policy if an accident happens, regardless of who is at fault.

One option for car insurance in Lexington, Kentucky is PIP insurance. PIP stands for personal injury protection. Pennsylvania and New Jersey also offer automobile drivers the choice of choosing PIP insurance coverage.

PIP pays up to $10,000 for medical expenses and lost wages no matter who is at fault in an accident. Kentucky drivers can also choose to opt out of PIP insurance and go with a regular car insurance policy.

The no-fault system in Kentucky prevents someone from being sued for things such as pain and suffering and non-economic damages resulting from an automobile accident unless certain requirements for car insurance are met.

For instance, a person who has medical bills or treatment charges in excess of $1,000 as a result of an accident is permitted to bring a lawsuit against the driver of a vehicle as well as the owner of the vehicle and any occupants in the vehicle.

Another car insurance option in Lexington, Kentucky is liability insurance.

With liability insurance people other than the policyholder are covered in case of an accident.

There are mandatory minimum requirements for Kentucky and this will be discussed in the car insurance law section.

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Car Insurance Laws in Lexington

Liability coverage is required in Lexington, Kentucky. The minimum coverage amounts are $25,000 for bodily injury per person and $50,000 bodily injury total per accident. Property damage minimums are $10,000 per accident.

Another law regarding car insurance in Lexington, Kentucky relates to proof of car insurance. All drivers are required to carry their insurance card or paperwork with them in their vehicle at all times.

In addition, when a vehicle owner renews their vehicle registration or transfers the title of a vehicle he/she is required to show proof of insurance to the county clerk.

Kentucky has a state-wide electronic insurance reporting system that has been created in order to track uninsured motorists. Individual insurance companies are required to report individual automobile insurance policies to the state of Kentucky.

There are state car insurance penalties for not having insurance in Lexington, Kentucky. It is considered a criminal offense to not have your insurance card in your vehicle at all times.

The more times you are caught without insurance the stiffer the penalties.

  • First Offense – $500 to $1,000 fine and up to 90 days in jail or both.
  • Additional Offenses – Your vehicle registration and license plates can be suspended for up to one year.
  • Continued non-compliance can result in license suspension for a lifetime.

Lexington Car Insurance Companies


There are several car insurance companies in Lexington. Some of them include:

  • Allstate
  • Progressive
  • Esurance
  • State Farm
  • Nationwide

Others are more local such as Direct Auto, Auto-Owners Insurance and Shelter Insurance.

Some insurance companies offer different deals so it’s important to have a list of questions pertaining to your specific needs prior to searching for the right insurance company for you.

While there are several different agents representing larger companies there are also agents dealing with smaller insurance groups. Finding the right agency or company for you is highly individualized.

Ask yourself if you would rather be insured by a larger corporation that’s well known throughout the country or if you would rather stick with someone known throughout the town or state.

After all, your happiness with your Kentucky car insurance is entirely up to you.

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Lexington Average Car Insurance Rates

The average premiums in Lexington, Kentucky is $1,595 per year which is slightly less than the average for the entire state of Kentucky at $1,754 per year. The United States average is $1,436 for a year.

There are different variables that will affect how much you pay for car insurance in Lexington, Kentucky.

For instance, certain insurance by makes and models of cars are more frequently stolen in Lexington. If you happen to own one of these cars you are going to pay more for your car insurance.

Compare car insurance rates to find the best deal for car insurance! Other things that can affect your insurance premiums are as follows:

  • Education Level
  • Driving History or Criminal History
  • Age
  • Marital Status
  • Gender
  • Cost of the Vehicle
  • Type of Insurance Coverage

Driving and Car Insurance Statistics


As mentioned in the previous section there are certain types of stolen vehicles that are stolen more frequently than others. This list is for the entire state of Kentucky.

  • 1994 Full-size Chevy pickup trucks
  • 2005 Ford F150 pickup
  • 1997 Ford Taurus
  • 1996 Toyota Camry
  • 1994 Ford Explorer
  • 2005 Chevy Impala
  • 1999 Dodge Ram
  • 1992 Ford Ranger
  • 1992 Honda Accord
  • 2002 Chevy Cavalier

If you drive one of these vehicles your insurance rates are going to be more because of the increased risk of theft.

Driving without insurance in Lexington, Kentucky is a criminal offense. Make sure you aren’t subject to fines or jail time and compare automobile insurance quotes for Lexington, Kentucky today.

Compare car insurance quotes by entering your ZIP code and save money TODAY!

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Average Monthly Car Insurance Rates by State