- Average car insurance cost in Lexington is $2,530 per year, or around $211 per month, for a full-coverage policy.
- Car insurance rates for a few popular vehicles in Lexington include the Nissan Rogue at $2,272 per year, Hyundai Elantra at $2,748, and Toyota Highlander at $2,302.
- Compact crossovers like the Chevrolet Trailblazer, Buick Envision, Subaru Crosstrek, and Mazda CX-5 are the top picks for cheap car insurance in Lexington.
- A few models with segment-leading car insurance rates in Lexington include the Acura RDX ($2,114 per year), Chevrolet Colorado ($2,228 per year), Mercedes-Benz CLA250 ($2,604 per year), and Toyota GR Corolla ($2,196 per year).
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 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 cost to insure Lexington drivers’ favorite cars, trucks, and SUVs
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.

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

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.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $2,196 | $183 |
Nissan Leaf | Compact | $2,214 | $185 |
Honda Civic | Compact | $2,236 | $186 |
Nissan Sentra | Compact | $2,316 | $193 |
Subaru Impreza | Compact | $2,324 | $194 |
Toyota Prius | Compact | $2,364 | $197 |
Kia K5 | Midsize | $2,436 | $203 |
Honda Accord | Midsize | $2,444 | $204 |
Chevrolet Malibu | Midsize | $2,452 | $204 |
Toyota Corolla | Compact | $2,462 | $205 |
Kia Forte | Compact | $2,470 | $206 |
Volkswagen Arteon | Midsize | $2,484 | $207 |
Nissan Versa | Compact | $2,494 | $208 |
Subaru Legacy | Midsize | $2,496 | $208 |
Hyundai Ioniq 6 | Midsize | $2,516 | $210 |
Mitsubishi Mirage G4 | Compact | $2,554 | $213 |
Volkswagen Jetta | Compact | $2,556 | $213 |
Toyota Crown | Midsize | $2,560 | $213 |
Hyundai Sonata | Midsize | $2,564 | $214 |
Mazda 3 | Compact | $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
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.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,866 | $156 |
Chevrolet Trailblazer | Compact | $1,900 | $158 |
Kia Soul | Compact | $1,974 | $165 |
Nissan Kicks | Compact | $1,988 | $166 |
Honda Passport | Midsize | $2,014 | $168 |
Buick Envision | Compact | $2,024 | $169 |
Toyota Corolla Cross | Compact | $2,038 | $170 |
Hyundai Venue | Compact | $2,054 | $171 |
Mazda CX-5 | Compact | $2,060 | $172 |
Ford Bronco Sport | Compact | $2,070 | $173 |
Volkswagen Tiguan | Compact | $2,092 | $174 |
Nissan Murano | Midsize | $2,124 | $177 |
Buick Encore | Compact | $2,148 | $179 |
Subaru Outback | Midsize | $2,154 | $180 |
Honda CR-V | Compact | $2,156 | $180 |
Buick Envista | Midsize | $2,162 | $180 |
Volkswagen Taos | Compact | $2,166 | $181 |
Kia Niro | Compact | $2,176 | $181 |
Honda HR-V | Compact | $2,200 | $183 |
Subaru Ascent | Midsize | $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
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).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $2,228 | $186 |
Nissan Titan | Full-size | $2,366 | $197 |
Nissan Frontier | Midsize | $2,392 | $199 |
Ford Ranger | Midsize | $2,414 | $201 |
Ford Maverick | Midsize | $2,454 | $205 |
Honda Ridgeline | Midsize | $2,508 | $209 |
Hyundai Santa Cruz | Midsize | $2,552 | $213 |
Toyota Tacoma | Midsize | $2,560 | $213 |
GMC Sierra 2500 HD | Heavy Duty | $2,576 | $215 |
GMC Canyon | Midsize | $2,602 | $217 |
Jeep Gladiator | Midsize | $2,664 | $222 |
GMC Sierra 3500 | Heavy Duty | $2,678 | $223 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,704 | $225 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,776 | $231 |
GMC Sierra | Full-size | $2,792 | $233 |
Nissan Titan XD | Heavy Duty | $2,796 | $233 |
Chevrolet Silverado | Full-size | $2,798 | $233 |
Ford F150 | Full-size | $2,830 | $236 |
GMC Hummer EV Pickup | Full-size | $2,900 | $242 |
Ram Truck | Full-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
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.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $2,342 | $195 |
Toyota GR86 | Sports Car | $2,664 | $222 |
Ford Mustang | Sports Car | $2,782 | $232 |
BMW Z4 | Sports Car | $2,792 | $233 |
Subaru WRX | Sports Car | $2,838 | $237 |
Toyota GR Supra | Sports Car | $2,842 | $237 |
BMW M2 | Sports Car | $2,920 | $243 |
Nissan Z | Sports Car | $2,930 | $244 |
Lexus RC F | Sports Car | $2,988 | $249 |
Subaru BRZ | Sports Car | $3,024 | $252 |
BMW M3 | Sports Car | $3,194 | $266 |
Porsche 718 | Sports Car | $3,254 | $271 |
Chevrolet Camaro | Sports Car | $3,288 | $274 |
Chevrolet Corvette | Sports Car | $3,500 | $292 |
Porsche 911 | Sports Car | $3,622 | $302 |
BMW M4 | Sports Car | $3,776 | $315 |
Lexus LC 500 | Sports Car | $3,794 | $316 |
Jaguar F-Type | Sports Car | $3,988 | $332 |
Mercedes-Benz AMG GT53 | Sports Car | $4,186 | $349 |
Porsche Taycan | Sports 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
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.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $2,248 | $187 |
BMW 330i | Compact | $2,574 | $215 |
Mercedes-Benz CLA250 | Midsize | $2,604 | $217 |
Lexus IS 300 | Midsize | $2,606 | $217 |
Acura TLX | Compact | $2,616 | $218 |
Lexus ES 350 | Midsize | $2,640 | $220 |
Cadillac CT4 | Compact | $2,642 | $220 |
Genesis G70 | Compact | $2,648 | $221 |
Mercedes-Benz AMG CLA35 | Midsize | $2,650 | $221 |
Lexus RC 300 | Midsize | $2,660 | $222 |
Lexus IS 350 | Compact | $2,668 | $222 |
Jaguar XF | Midsize | $2,676 | $223 |
Cadillac CT5 | Midsize | $2,724 | $227 |
Lexus ES 250 | Midsize | $2,736 | $228 |
Lexus RC 350 | Compact | $2,744 | $229 |
BMW 330e | Compact | $2,746 | $229 |
BMW 228i | Compact | $2,750 | $229 |
BMW 230i | Compact | $2,772 | $231 |
Lexus ES 300h | Midsize | $2,776 | $231 |
Audi S3 | Compact | $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
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.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $2,114 | $176 |
Lexus NX 250 | Compact | $2,236 | $186 |
Cadillac XT4 | Compact | $2,284 | $190 |
Jaguar E-Pace | Midsize | $2,364 | $197 |
Cadillac XT5 | Midsize | $2,386 | $199 |
Lexus NX 350h | Compact | $2,386 | $199 |
Lincoln Corsair | Compact | $2,416 | $201 |
Mercedes-Benz GLB 250 | Compact | $2,420 | $202 |
Lexus UX 250h | Compact | $2,424 | $202 |
Lexus NX 450h | Compact | $2,436 | $203 |
Infiniti QX50 | Midsize | $2,456 | $205 |
Mercedes-Benz GLA250 | Compact | $2,464 | $205 |
Cadillac XT6 | Midsize | $2,472 | $206 |
Mercedes-Benz GLA35 AMG | Compact | $2,474 | $206 |
Infiniti QX60 | Midsize | $2,486 | $207 |
Mercedes-Benz AMG GLB35 | Midsize | $2,490 | $208 |
Land Rover Evoque | Compact | $2,524 | $210 |
Acura MDX | Midsize | $2,526 | $211 |
Lexus NX 350 | Compact | $2,538 | $212 |
Lexus RX 350 | Midsize | $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
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.