Best Car Insurance in Lexington 2021

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  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Lexington Kentucky costs single-car drivers an average of $2,468 annually, or about $206 per month. Compared to the state annual average of $2,754, auto insurance in Lexington is $286 lower.
Here’s how much real Jerry customers pay for insurance in Lexington:

Real quotes for Jerry customers in Lexington, Kentucky

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 25, 2021Toyota RAV4 XLEKY54Bristol WestBasic$199/mo.$83/mo.
August 17, 2021Jeep Cherokee LatitudeKY24ProgressiveCustom$167/mo.$101/mo.
September 30, 2020Lincoln MkxKY32NationwideStandard$250/mo.$114/mo.
May 7, 2021Toyota Corolla LKY24AllstateBasic$260/mo.$169/mo.
June 12, 2021Honda Accord EXLKY25SafecoCustom$200/mo.$172/mo.
The best way to secure the right plan for lower premiums in Lexington is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inLexington have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Lexington, Kentucky

Insurance Company
Before Jerry
After Jerry
National General$1,769$811
Allstate$3,227$1,818
Nationwide$3,223$1,889
Travelers$3,310$2,332
Safeco$3,239$2,343
State Auto$3,001$2,467
Kemper$3,625$2,519

Minimum coverage car insurance in Lexington

On average, the cost of minimum coverage car insurance in Lexington is $2,011 per year, or $168 per month.

The minimum level of car insurance required in Lexington is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Lexington:
Before Jerry
After Jerry
$1,999$1,152
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$2,763$1,537
Allstate$2,508$1,802
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Full coverage car insurance in Lexington

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Lexington:
Before Jerry
After Jerry
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Safeco$4,800$3,728
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How does your age affect your auto insurance cost in Lexington?

If you’re a driver under 25 in Lexington, you could be paying as much as $55 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Lexington saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,719$3,602
21-24$2,970$1,972
On the contrary, here’s how much drivers aged 25 and over in Lexington pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,636$1,864
35-44$2,154$1,428
45-54$2,249$1,356

Cheapest car insurance for drivers in Lexington with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Lexington saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,374$1,379
DUI$2,676$1,232
Speeding under 15$3,209$1,820
Speeding over 15$3,120$1,988
Here’s how much drivers with a bad driving record in [Lexington saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,556$1,242
Progressive$2,576$1,774
Travelers$2,484$1,838
Allstate$2,753$1,960
Safeco$3,110$2,295
State Auto$4,440$3,279

Cheapest car insurance for young drivers in Lexington with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,922$2,277
DUI$2,676$1,232
Speeding under 15$3,371$1,906
Speeding over 15$3,120$1,988
Here’s how much young drivers with a bad driving record in [Lexington saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Progressive$2,898$1,930
Allstate$3,120$2,141
Travelers$3,600$2,372
Safeco$4,800$3,604
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How can you save money on car insurance in Lexington

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Lexington you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 25, 2021Toyota RAV4 XLEKY54Bristol WestBasic$199/mo.$83/mo.
July 10, 2021Hyundai Elantra GLSKY20AAACurrent$278/mo.$186/mo.
February 8, 2021Lincoln Mkc ReserveKY46NationwideStandard$176/mo.$85/mo.
May 7, 2021Toyota Corolla LKY24AllstateBasic$260/mo.$169/mo.
August 17, 2021Jeep Cherokee LatitudeKY24ProgressiveCustom$167/mo.$101/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
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