Car Insurance Quotes in Lexington, KY – Cheapest Rates (2025)

How much are car insurance quotes in Lexington? We break down average prices for over 150 vehicles to find the models with the best rates.

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How much does car insurance cost in Lexington?

Average car insurance rates in Lexington cost $2,530 per year, or approximately $211 per month. That’s 13% more expensive than the overall U.S. overall average rate of $2,221 per year.

In the state of Kentucky, the average cost to insure a vehicle is $2,600 per year, so the cost in Lexington averages $70 less per year. The average cost to insure a vehicle in Lexington compared to other Kentucky locations is about $92 per year more than in Owensboro, $804 per year cheaper than in Louisville, and $44 per year more expensive than in Bowling Green.

The age of the driver is one of the largest influencers on the cost of auto insurance. The list below details how driver age influences cost by breaking out average car insurance rates for driver ages from 16 to 60.

Average car insurance rates in Lexington, KY, for drivers age 16 to 60

  • 16-year-old rated driver – $9,010 per year or $751 per month
  • 17-year-old rated driver – $8,725 per year or $727 per month
  • 18-year-old rated driver – $7,822 per year or $652 per month
  • 19-year-old rated driver – $7,120 per year or $593 per month
  • 20-year-old rated driver – $5,088 per year or $424 per month
  • 30-year-old rated driver – $2,698 per year or $225 per month
  • 40-year-old rated driver – $2,530 per year or $211 per month
  • 50-year-old rated driver – $2,242 per year or $187 per month
  • 60-year-old rated driver – $2,098 per year or $175 per month

The next chart shows examples of average Lexington car insurance cost. Rates are averaged for all Lexington Zip Codes and shown based on a range of different driver ages, deductibles, and risk profiles.

Average car insurance rates in Lexington for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Lexington for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Lexington includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Lexington, KY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,818$485
Safe Driver Age 20$5,088$424
At-fault Accidents Age 40$3,578$298
Low Deductibles Age 40$3,310$276
Safe Driver Age 30$2,698$225
Safe Driver Age 40$2,530$211
Safe Driver Age 50$2,242$187
High Deductibles Age 40$2,128$177
Discount Rate Age 40$2,100$175
Safe Driver Age 60$2,098$175

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average car insurance rates in the previous chart range from $2,100 per year for a 40-year-old driver who qualifies for a great discount rate to $5,818 per year for a 30-year-old driver with a history of violations and/or at-fault accidents.

When these rates are converted to a cost per month, the average cost of car insurance per month in Lexington ranges from $175 to $485.

Car insurance rates can have a wide range and can also be very different depending on the company. Due to the fact that rates are so variable, this increases the need for accurate free auto insurance quotes when shopping online for a better price on car insurance in Lexington.

The rates referenced earlier in this article consist of an average based on every 2024 vehicle model, which is helpful for making big picture comparisons like the average cost difference between two Kentucky cities.

For more accurate cost comparisons, however, the rates will be more accurate if we look at the specific make and model of vehicle being insured. In the next few article sections, we compare lots of rates for all different kinds of vehicles, but for now, we will explore just a few popular models to see how car insurance rates stack up in Lexington.

This next chart details insurance rates for a small sample of popular cars, pickups, and SUVs on the roads of Lexington. Later, we’ll examine additional situations that affect the cost of insuring some of these models in much more detail.

Average cost to insure popular 2024 model year vehicles in Lexington.
Figure 2: Average cost to insure popular 2024 model year vehicles in Lexington. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Lexington Zip Codes.

Lexington, Kentucky Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,866$156
Mazda CX-5$2,060$172
Honda CR-V$2,156$180
Honda HR-V$2,200$183
Honda Civic$2,236$186
Subaru Forester$2,248$187
Nissan Rogue$2,272$189
Ford Explorer$2,296$191
Toyota Highlander$2,302$192
Ford Escape$2,306$192
Nissan Sentra$2,316$193
Toyota RAV4$2,332$194
Ford Ranger$2,414$201
Honda Accord$2,444$204
Toyota Corolla$2,462$205
Toyota 4Runner$2,710$226
Toyota Camry$2,716$226
Hyundai Elantra$2,748$229
Ford Mustang$2,782$232
GMC Sierra$2,792$233
Chevrolet Silverado$2,798$233
Ford Bronco$2,806$234
Ford F150$2,830$236
Ram Truck$2,924$244
Chevrolet Corvette$3,500$292

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Lexington, KY Zip Codes. Updated June 27, 2025

What are the cheapest vehicles to insure in Lexington, Kentucky?

When comparing all 2024 makes and models, the models with the best car insurance rates in Lexington tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision.

Average insurance quotes for those small SUVs cost $2,054 or less per year, or $171 per month, for full coverage car insurance.

Examples of other vehicles that are highly ranked in our car insurance price comparison are the Volkswagen Taos, Volkswagen Tiguan, Kia Niro, and Buick Encore.

Average cost is slightly more for those models than the crossovers and small SUVs at the top of the list, but they still have an average insurance cost of $2,200 or less per year.

The following table shows the 20 cheapest vehicles to insure in Lexington, sorted by annual and monthly insurance cost.

Cheapest Auto Insurance Rates in Lexington
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,866$156
2Chevrolet Trailblazer$1,900$158
3Kia Soul$1,974$165
4Nissan Kicks$1,988$166
5Honda Passport$2,014$168
6Buick Envision$2,024$169
7Toyota Corolla Cross$2,038$170
8Hyundai Venue$2,054$171
9Mazda CX-5$2,060$172
10Ford Bronco Sport$2,070$173
11Volkswagen Tiguan$2,092$174
12Acura RDX$2,114$176
13Nissan Murano$2,124$177
14Buick Encore$2,148$179
15Subaru Outback$2,154$180
16Honda CR-V$2,156$180
17Buick Envista$2,162$180
18Volkswagen Taos$2,166$181
19Kia Niro$2,176$181
20Toyota GR Corolla$2,196$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lexington, KY Zip Codes. Updated June 26, 2025

Top 20 cheapest vehicles to insure in Lexington, KY with the Subaru Crosstrek ranking first at $1,866 per year
Top 20 cheapest vehicles to insure in Lexington, KY with the Subaru Crosstrek ranking first at $1,866 per year

A table of 20 vehicle models with cheap Lexington car insurance is great if you’re just looking for low rates. A better way to group rates in a practical manner is by organizing them by vehicle segment.

The next section goes into more detail about the different automotive segments and the average cost of car insurance in Lexington. The average rates shown will give you a decent understanding of the automotive segments that have the least expensive auto insurance rates in Lexington. The sections following the chart break out the 20 cheapest models for each automotive segment.

Lexington auto insurance rates by automotive segment

If you’re considering buying a new car, it’s a good idea to know which categories of vehicles are less expensive to insure.

For instance, some common questions are if compact SUVs are more affordable to insure than compact cars or if regular SUVs cost less to insure than luxury SUVs.

The chart below shows average car insurance rates by segment in Lexington. From a segment comparison perspective, compact SUVs and midsize pickup trucks have the cheapest rates, while sports cars and performance luxury models have the most expensive overall car insurance rates.

Car insurance average cost by automotive segment in Lexington, KY.
Figure 3: Car insurance average cost by automotive segment in Lexington, KY. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Lexington Zip Codes.

Car Insurance Rates by Automotive Segment in Lexington, KY
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,322$194
Midsize SUV$2,496$208
Minivan$2,500$208
Compact Car$2,500$208
Midsize Pickup$2,552$213
Midsize Car$2,578$215
Compact Luxury SUV$2,742$229
Compact Luxury Car$2,780$232
Large SUV$2,792$233
Half-ton Pickup$2,804$234
Heavy Duty Pickup$2,910$243
Midsize Luxury SUV$3,002$250
Midsize Luxury Car$3,100$258
Sports Car$3,478$290
Large Car$3,640$303
Large Luxury SUV$3,914$326
Large Luxury Car$4,046$337

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Lexington, KY Zip Codes. Updated June 27, 2025

Average insurance rates by segment are accurate enough for general comparisons, but insurance rates for specific models range quite significantly within each segment displayed in the above chart.

For example, in the small luxury car segment, average Lexington auto insurance rates range from the Acura Integra at $2,248 per year for a full coverage policy up to the BMW M340i at $3,088 per year. In the large truck segment, the average insurance cost ranges from the Nissan Titan costing $2,366 per year up to the Toyota Tundra at $3,010 per year, a difference of $644 within that segment.

In the upcoming sections, we eliminate a lot of this variability by analyzing the cost of car insurance in Lexington at the model level rather than the segment level.

Cheapest cars to insure in Lexington

The five lowest-cost sedans and hatchbacks to insure in Lexington are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Rates for for these models range from $2,196 to $2,324 per year.

Not the cheapest to insure, but still ranked well, are cars like the Toyota Prius, Kia K5, Honda Accord, and Chevrolet Malibu, with average annual insurance rates of $2,462 per year or less.

On a monthly basis, auto insurance rates in Lexington on this segment for the average driver starts at around $183 per month, depending on the company.

If rates are ranked based on vehicle size, the lowest-cost compact car to insure in Lexington is the Toyota GR Corolla at $2,196 per year, or $183 per month. For midsize cars, the Kia K5 has the cheapest rates at $2,436 per year, or $203 per month. And for full-size cars, the Chrysler 300 has the cheapest rates at $2,408 per year, or $201 per month.

The next table ranks the cars with the most affordable average insurance rates in Lexington, starting with the Toyota GR Corolla at $183 per month and ending with the Mazda 3 at $218 per month.

Cheapest Insurance for Cars in Lexington, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,196$183
Nissan LeafCompact$2,214$185
Honda CivicCompact$2,236$186
Nissan SentraCompact$2,316$193
Subaru ImprezaCompact$2,324$194
Toyota PriusCompact$2,364$197
Kia K5Midsize$2,436$203
Honda AccordMidsize$2,444$204
Chevrolet MalibuMidsize$2,452$204
Toyota CorollaCompact$2,462$205
Kia ForteCompact$2,470$206
Volkswagen ArteonMidsize$2,484$207
Nissan VersaCompact$2,494$208
Subaru LegacyMidsize$2,496$208
Hyundai Ioniq 6Midsize$2,516$210
Mitsubishi Mirage G4Compact$2,554$213
Volkswagen JettaCompact$2,556$213
Toyota CrownMidsize$2,560$213
Hyundai SonataMidsize$2,564$214
Mazda 3Compact$2,614$218

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lexington, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Lexington, KY, with the Toyota GR Corolla ranking first at $2,196 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Lexington, KY, with the Toyota GR Corolla ranking first at $2,196 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Kentucky.

Cheapest SUV insurance rates in Lexington, KY

Ranking at the top for the cheapest Lexington auto insurance rates in the SUV segment (excluding luxury models) are the Kia Soul, Honda Passport, Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Rates for these vehicles average $2,014 or less per year, or around $168 per month.

Other models that rank well in our comparison are the Buick Envision, Hyundai Venue, Toyota Corolla Cross, and Mazda CX-5, with an average cost of $2,070 per year or less.

Some additional vehicles worth mentioning include the Subaru Ascent, Volkswagen Tiguan, Nissan Murano, Buick Encore, and Buick Envista, which cost between $2,070 and $2,200 to insure per year in Lexington.

As a cost per month, auto insurance in this segment can cost as low as $156 per month, depending on your location.

If insurance rates are ranked by vehicle size, the most budget-friendly non-luxury compact SUV to insure in Lexington is the Subaru Crosstrek at $1,866 per year, or $156 per month. For midsize 2024 models, the Honda Passport has the best rates at $2,014 per year, or $168 per month. And for large SUVs, the Chevrolet Tahoe has the cheapest rates at $2,374 per year, or $198 per month.

The next table ranks the twenty SUVs with the most affordable car insurance in Lexington.

Cheapest Insurance for SUVs in Lexington, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,866$156
Chevrolet TrailblazerCompact$1,900$158
Kia SoulCompact$1,974$165
Nissan KicksCompact$1,988$166
Honda PassportMidsize$2,014$168
Buick EnvisionCompact$2,024$169
Toyota Corolla CrossCompact$2,038$170
Hyundai VenueCompact$2,054$171
Mazda CX-5Compact$2,060$172
Ford Bronco SportCompact$2,070$173
Volkswagen TiguanCompact$2,092$174
Nissan MuranoMidsize$2,124$177
Buick EncoreCompact$2,148$179
Subaru OutbackMidsize$2,154$180
Honda CR-VCompact$2,156$180
Buick EnvistaMidsize$2,162$180
Volkswagen TaosCompact$2,166$181
Kia NiroCompact$2,176$181
Honda HR-VCompact$2,200$183
Subaru AscentMidsize$2,200$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lexington, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Lexington, KY, with the Subaru Crosstrek ranking first at $1,866 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Lexington, KY, with the Subaru Crosstrek ranking first at $1,866 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Need rates for a different SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Kentucky.

Cheapest pickup trucks to insure in Lexington, KY

Taking the top ranking in Lexington for cheapest average insurance in the pickup segment is the Chevrolet Colorado, at $2,228 per year. Second place is the Nissan Titan at $2,366 per year, the third most affordable is the Nissan Frontier, at an average of $2,392 per year, and coming in fourth is the Ford Ranger, costing an average of $2,414 per year.

Rounding out the top 10 are trucks like the GMC Sierra 2500 HD, Honda Ridgeline, GMC Canyon, and Toyota Tacoma, with an average car insurance cost of $2,602 per year or less.

From a monthly standpoint, full-coverage insurance in this segment will start around $186 per month, depending on your location and insurance company. The comparison table below ranks the twenty pickups with the most affordable auto insurance rates in Lexington, starting with the Chevrolet Colorado at $2,228 per year ($186 per month) and ending with the Ram Truck at $2,924 per year ($244 per month).

Cheapest Insurance for Pickups in Lexington, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,228$186
Nissan TitanFull-size$2,366$197
Nissan FrontierMidsize$2,392$199
Ford RangerMidsize$2,414$201
Ford MaverickMidsize$2,454$205
Honda RidgelineMidsize$2,508$209
Hyundai Santa CruzMidsize$2,552$213
Toyota TacomaMidsize$2,560$213
GMC Sierra 2500 HDHeavy Duty$2,576$215
GMC CanyonMidsize$2,602$217
Jeep GladiatorMidsize$2,664$222
GMC Sierra 3500Heavy Duty$2,678$223
Chevrolet Silverado HD 3500Heavy Duty$2,704$225
Chevrolet Silverado HD 2500Heavy Duty$2,776$231
GMC SierraFull-size$2,792$233
Nissan Titan XDHeavy Duty$2,796$233
Chevrolet SilveradoFull-size$2,798$233
Ford F150Full-size$2,830$236
GMC Hummer EV PickupFull-size$2,900$242
Ram TruckFull-size$2,924$244

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lexington, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lexington, KY, with the Chevrolet Colorado ranking first at $2,228 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Lexington, KY, with the Chevrolet Colorado ranking first at $2,228 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance cost for your pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Kentucky.

Cheapest sports cars to insure in Lexington, KY

The top five most budget-friendly sports cars to insure in Lexington are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Average insurance rates for for these five models range from $2,342 to $2,838 per year.

Not the cheapest sports cars to insure, but still affordable, are models like the Subaru BRZ, Toyota GR Supra, BMW M2, and Lexus RC F, with an average car insurance cost of $3,024 per year or less.

Additional vehicles that rank well include the Jaguar F-Type, Lexus LC 500, Porsche 718, and BMW M4, which cost between $3,024 and $4,282 per year for insurance in Lexington.

Auto insurance in Lexington for this segment for the average driver starts at an average of $195 per month, depending on the company and your location. The comparison table below ranks the twenty sports cars with the cheapest insurance in Lexington.

Cheapest Insurance for Sports Cars in Lexington, KY
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,342$195
Toyota GR86Sports Car$2,664$222
Ford MustangSports Car$2,782$232
BMW Z4Sports Car$2,792$233
Subaru WRXSports Car$2,838$237
Toyota GR SupraSports Car$2,842$237
BMW M2Sports Car$2,920$243
Nissan ZSports Car$2,930$244
Lexus RC FSports Car$2,988$249
Subaru BRZSports Car$3,024$252
BMW M3Sports Car$3,194$266
Porsche 718Sports Car$3,254$271
Chevrolet CamaroSports Car$3,288$274
Chevrolet CorvetteSports Car$3,500$292
Porsche 911Sports Car$3,622$302
BMW M4Sports Car$3,776$315
Lexus LC 500Sports Car$3,794$316
Jaguar F-TypeSports Car$3,988$332
Mercedes-Benz AMG GT53Sports Car$4,186$349
Porsche TaycanSports Car$4,282$357

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lexington, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Lexington, KY, with the Mazda MX-5 Miata ranking first at $2,342 per year.
Ranking of the cheapest sports cars to insure in Lexington, KY, with the Mazda MX-5 Miata ranking first at $2,342 per year.

Don’t see insurance rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Kentucky.

Cheapest luxury car insurance rates in Lexington

The Acura Integra comes in at #1 as the lowest-cost luxury car to insure in Lexington, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model costs an average of $2,248 per year to insure for full coverage.

Also ranking well are luxury cars like the Lexus RC 300, Cadillac CT4, Mercedes-Benz AMG CLA35, and Genesis G70, with an average cost of $2,660 per year or less.

Additional 2024 models that made the list include the Lexus IS 350, Audi S3, Lexus RC 350, Lexus ES 300h, and Lexus ES 250, which cost between $2,660 and $2,836 per year to insure in Lexington.

From a cost per month standpoint, full-coverage car insurance on this segment in Lexington for a middle-age safe driver starts at an average of $187 per month, depending on the company and your location.

The cheapest small luxury car to insure in Lexington is the Acura Integra at $2,248 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,604 per year. And for full-size models, the Audi A5 has the most affordable rates at $3,006 per year.

The comparison table below ranks the twenty luxury cars with the most affordable car insurance rates in Lexington.

Cheapest Insurance for Luxury Cars in Lexington, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,248$187
BMW 330iCompact$2,574$215
Mercedes-Benz CLA250Midsize$2,604$217
Lexus IS 300Midsize$2,606$217
Acura TLXCompact$2,616$218
Lexus ES 350Midsize$2,640$220
Cadillac CT4Compact$2,642$220
Genesis G70Compact$2,648$221
Mercedes-Benz AMG CLA35Midsize$2,650$221
Lexus RC 300Midsize$2,660$222
Lexus IS 350Compact$2,668$222
Jaguar XFMidsize$2,676$223
Cadillac CT5Midsize$2,724$227
Lexus ES 250Midsize$2,736$228
Lexus RC 350Compact$2,744$229
BMW 330eCompact$2,746$229
BMW 228iCompact$2,750$229
BMW 230iCompact$2,772$231
Lexus ES 300hMidsize$2,776$231
Audi S3Compact$2,836$236

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lexington, KY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lexington, KY, with the Acura Integra ranking first at $2,248 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Lexington, KY, with the Acura Integra ranking first at $2,248 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your luxury car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lexington car insurance quotes from top companies in Kentucky.

Cheapest luxury SUV insurance rates in Lexington

The top four luxury SUVs with the lowest-cost insurance in Lexington are the Acura RDX at $2,114 per year, Lexus NX 250 at $2,236 per year, Cadillac XT4 at $2,284 per year, and Jaguar E-Pace at $2,364 per year.

Not the cheapest, but still in the top 10, are luxury SUVs like the Lincoln Corsair, Lexus NX 350h, Mercedes-Benz GLB 250, and Lexus UX 250h, with an average cost of $2,436 per year or less.

In the bottom half of the top 20, SUVs like the Infiniti QX50, Mercedes-Benz GLA250, Acura MDX, Land Rover Evoque, and Mercedes-Benz AMG GLB35 cost between $2,436 and $2,538 per year to insure in Lexington.

As a cost per month, full-coverage car insurance on this segment in Lexington will start around $176 per month, depending on your location and insurance company.

If insurance rates are ranked by vehicle size, the cheapest small luxury SUV to insure in Lexington is the Acura RDX at $2,114 per year, or $176 per month. For midsize luxury SUV models, the Jaguar E-Pace has the best rates at $2,364 per year, or $197 per month. And for full-size luxury models, the Infiniti QX80 is cheapest to insure at $2,836 per year, or $236 per month.

The next table ranks the twenty SUVs with the most affordable average auto insurance rates in Lexington, starting with the Acura RDX at $176 per month and ending with the Lexus RX 350 at $212 per month.

Cheapest Insurance for Luxury SUVs in Lexington, KY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,114$176
Lexus NX 250Compact$2,236$186
Cadillac XT4Compact$2,284$190
Jaguar E-PaceMidsize$2,364$197
Cadillac XT5Midsize$2,386$199
Lexus NX 350hCompact$2,386$199
Lincoln CorsairCompact$2,416$201
Mercedes-Benz GLB 250Compact$2,420$202
Lexus UX 250hCompact$2,424$202
Lexus NX 450hCompact$2,436$203
Infiniti QX50Midsize$2,456$205
Mercedes-Benz GLA250Compact$2,464$205
Cadillac XT6Midsize$2,472$206
Mercedes-Benz GLA35 AMGCompact$2,474$206
Infiniti QX60Midsize$2,486$207
Mercedes-Benz AMG GLB35Midsize$2,490$208
Land Rover EvoqueCompact$2,524$210
Acura MDXMidsize$2,526$211
Lexus NX 350Compact$2,538$212
Lexus RX 350Midsize$2,538$212

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lexington, KY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lexington, KY, with the Acura RDX ranking first at $2,114 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Lexington, KY, with the Acura RDX ranking first at $2,114 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Is your luxury SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lexington car insurance quotes from the best companies in Kentucky.

How to find cheaper car insurance in Lexington

Resourceful drivers in Lexington should always be thinking of ways to pay less for insurance So read through the money-saving ideas in the list below to see if you can save a little cash on your next renewal.

  • Research discounts to save money. Discounted rates may be available if the insured drivers are accident-free, choose electronic billing, are claim-free, are military or federal employees, belong to certain professional organizations, or many other discounts which could save the average Lexington driver as much as $430 per year.
  • Higher deductibles mean lower cost. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Choose vehicles that have cheaper auto insurance. The vehicle you choose to drive is one of the biggest factors in the cost of auto insurance. As an example, a Kia Soul costs $2,948 less per year to insure in Lexington than a Nissan GT-R. Choose cheaper models and save money.
  • Get a discount from your job. Many car insurance providers offer discounts for having a job in professions like doctors, college professors, dentists, architects, emergency medical technicians, and others. If your profession qualifies you for this discount, you could save between $76 and $246 on your car insurance premium, depending on the policy coverages selected.
  • Fewer violations means cheaper policy cost. If you want affordable car insurance in Lexington, it’s necessary to to be a conservative driver. Not surprisingly, just one or two minor traffic citations could raise policy rates by at least $670 per year.
  • Avoid accidents to save on car insurance. Multiple at-fault accidents raise rates, to the tune of $3,612 per year for a 20-year-old driver and even $1,048 per year for a 40-year-old driver. So be safe and save.