Lexington Auto Insurance Rates, Quotes, Agents & Reviews in KY

Lexington, KY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lexington, KY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Lexington, KY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Lexington, KY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lexington, KY with that of other cities in and around Lexington.

Lexington Lexington-Fayette Southwest Lexington-Fayette Northwest Keene Fayette County Lexington-Fayette urban county
Average Insurance Rates $2,014 $2,081 $1,968 $2,411 $1,166 $2,021

Lexington, KY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lexington, KY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lexington-Fayette Central $1,363 $1,151
Fayette County $2,082 $1,758
Lexington-Fayette urban county $1,331 $1,124
Lexington-Fayette Southwest $1,761 $1,488
Lexington-Fayette Northeast $1,139 $962
Lexington-Fayette Southeast $1,138 $961
Lexington-Fayette Northwest $1,518 $1,282
Keene $1,418 $1,198

Lexington, KY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lexington, KY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,535
20 Years $2,588
30 Years $1,993
40 Years $1,918
50 Years $1,776
60 Years $1,801
70 Years $2,096

Lexington, KY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lexington, KY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,464 $564
3 Vehicles $5,196 $846
4 Vehicles $6,928 $1,128

Savings on 2 Vehicles bundle:$564

Savings on 3 Vehicles bundle:$846

Savings on 4 Vehicles bundle:$1,128


Lexington, KY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lexington, KY.

Location Average Insurance Cost Post DUI Insurance Rate
Lexington-Fayette Central $2,014 $3,353
Fayette County $1,166 $1,941
Lexington-Fayette urban county $2,021 $3,365
Lexington-Fayette Southwest $2,081 $3,465
Lexington-Fayette Northeast $2,055 $3,422
Lexington-Fayette Southeast $2,001 $3,332
Lexington-Fayette Northwest $1,968 $3,277
Keene $2,411 $4,014

Lexington, KY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,728
Excellent (740-799) $1,972
Good (670-739) $2,099
Average (580-669) $2,738
Poor (300-579) $3,285

Lexington, KY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$89 $2,103
Driver's Failure In Showing Documents +$195 $2,209
Driving With An Expired Registration +$207 $2,221
Driving At A Considerably Slow Pace +$437 $2,451
Using A Cellphone While Driving +$461 $2,475
Running A Red Light +$469 $2,483
Speeding +$493 $2,507
Driving A Vehicle Without The Required Permission +$626 $2,640
Driving With An Expired/Suspended License +$1,357 $3,371

Lexington, KY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,933
Active Disabling Device $1,933
Tracking Device $1,893
Passive Disabling Device $1,873

Latest Auto Insurance Reviews in Lexington, KY | Back to Top

Kentucky Farm Bureau
I found the best rates with Kentucky Farm Bureau. Everywhere that I got a quote from was really expensive. I was shocked when I got my quote.
Kentucky Farm Bureau
I don't like that their office doesn't have any parking. I have to park in a different area away from the office. It is not very convenient.
Kentucky Farm Bureau
I like that they have really good agents. There office is located in my home town. They don't over charge people.
Travelers
My policy is really good. I have the maximum coverage. I truly feel that Travellers was the lowest price option for the coverage I wanted. Especially on renewal.
Allstate
The customer service at allstate is really incredible. Just this summer I totaled my car and they were so helpful and informative about the whole process, and happy to explain anything!
Esurance
I really appreciate how hassle free it was to sign up for esurance and how easy and convenient it is to keep insured. Additionally, their customer service is top-notch.
Allstate
I have had Allstate for almost 30 years, and one thing I have to say is that they pay claims quickly. They are probably a bit more expensive than some other discount insurers, but I have never had my rates go up because of an accident. And during the years I have had them, I have had my share of fender benders and bigger accidents. I know other companies will raise your rates or drop you if you have an accident.
Travelers
I feel this is an excellent company overall. I feel that I am getting excellent value from the company.