Car Insurance Quotes in Lexington, KY – Cheapest Rates (2024)

• Average car insurance cost in Lexington is $1,964 per year, or around $164 per month, for a full-coverage policy.
• Car insurance rates for a few popular vehicles in Lexington include the Nissan Rogue at $1,762 per year, Hyundai Elantra at $2,134, and Toyota Highlander at $1,786.
• 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 ($1,640 per year), Chevrolet Colorado ($1,678 per year), Mercedes-Benz CLA250 ($2,018 per year), and Toyota GR Corolla ($1,704 per year).

How much does car insurance cost in Lexington?

Average car insurance rates in Lexington cost $1,964 per year, or approximately $164 per month. That’s 4.2% more expensive than the overall U.S. overall average rate of $1,883 per year.

In the state of Kentucky, the average cost to insure a vehicle is $2,034 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, $806 per year cheaper than in Louisville, and $46 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 – $6,990 per year or $583 per month
• 17-year-old rated driver – $6,773 per year or $564 per month
• 18-year-old rated driver – $6,067 per year or $506 per month
• 19-year-old rated driver – $5,527 per year or $461 per month
• 20-year-old rated driver – $3,950 per year or $329 per month
• 30-year-old rated driver – $2,094 per year or $175 per month
• 40-year-old rated driver – $1,964 per year or $164 per month
• 50-year-old rated driver – $1,740 per year or $145 per month
• 60-year-old rated driver – $1,628 per year or $136 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 $1,628 per year for a 40-year-old driver who qualifies for a great discount rate to $4,512 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 $136 to $376.

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 $1,594 or less per year, or $133 per month, for full coverage car insurance.

Examples of other vehicles that are highly ranked in our car insurance price comparison are the Chevrolet Colorado, Volkswagen Tiguan, Volkswagen Taos, 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 $1,680 or less per year.

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

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 $1,742 per year for a full coverage policy up to the BMW M340i at $2,396 per year. In the large truck segment, the average insurance cost ranges from the Nissan Titan costing $1,836 per year up to the Toyota Tundra at $2,336 per year, a difference of $500 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 $1,704 to $1,802 per year.

Not the cheapest to insure, but still ranked well, are cars like the Hyundai Ioniq 6, Toyota Prius, Kia K5, and Honda Accord, with average annual insurance rates of $1,900 per year or less.

On a monthly basis, auto insurance rates in Lexington on this segment for the average driver starts at around $142 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 $1,704 per year, or $142 per month. For midsize cars, the Hyundai Ioniq 6 has the cheapest rates at $1,804 per year, or $150 per month. And for full-size cars, the Chrysler 300 has the cheapest rates at $1,860 per year, or $155 per month.

The next table ranks the cars with the most affordable average insurance rates in Lexington, starting with the Toyota GR Corolla at $142 per month and ending with the Mazda 3 at $169 per month.

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 $1,562 or less per year, or around $130 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 $1,604 per year or less.

Some additional vehicles worth mentioning include the Honda HR-V, Volkswagen Tiguan, Nissan Murano, Buick Encore, and Buick Envista, which cost between $1,604 and $1,708 to insure per year in Lexington.

As a cost per month, auto insurance in this segment can cost as low as $121 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 $1,448 per year, or $121 per month. For midsize 2024 models, the Honda Passport has the best rates at $1,562 per year, or $130 per month. And for large SUVs, the Chevrolet Tahoe has the cheapest rates at $1,842 per year, or $154 per month.

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

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 $1,678 per year. Second place is the Nissan Titan at $1,836 per year, the third most affordable is the Nissan Frontier, at an average of $1,856 per year, and coming in fourth is the Ford Ranger, costing an average of $1,874 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 $2,018 per year or less.

From a monthly standpoint, full-coverage insurance in this segment will start around $140 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 $1,678 per year ($140 per month) and ending with the Ram Truck at $2,272 per year ($189 per month).

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 $1,814 to $2,202 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 $2,346 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 $2,346 and $3,324 per year for insurance in Lexington.

Auto insurance in Lexington for this segment for the average driver starts at an average of $151 per month, depending on the company and your location. The comparison table below ranks the twenty sports cars with the cheapest insurance in Lexington.

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 $1,742 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 $2,062 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 $2,062 and $2,198 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 $145 per month, depending on the company and your location.

The cheapest small luxury car to insure in Lexington is the Acura Integra at $1,742 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,018 per year. And for full-size models, the Audi A5 has the most affordable rates at $2,322 per year.

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

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 $1,640 per year, Lexus NX 250 at $1,736 per year, Cadillac XT4 at $1,770 per year, and Jaguar E-Pace at $1,834 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 $1,892 per year or less.

In the bottom half of the top 20, SUVs like the Infiniti QX50, Mercedes-Benz GLA250, Land Rover Evoque, Acura MDX, and Mercedes-Benz AMG GLB35 cost between $1,892 and $1,966 per year to insure in Lexington.

As a cost per month, full-coverage car insurance on this segment in Lexington will start around $137 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 $1,640 per year, or $137 per month. For midsize luxury SUV models, the Jaguar E-Pace has the best rates at $1,834 per year, or $153 per month. And for full-size luxury models, the Infiniti QX80 is cheapest to insure at $2,198 per year, or $183 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 $137 per month and ending with the Lexus NX 350 at $164 per month.

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 $336 per year.
• Higher deductibles mean lower cost. Increasing your deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 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 $2,290 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 $59 and $191 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 $522 per year.
• Avoid accidents to save on car insurance. Multiple at-fault accidents raise rates, to the tune of $2,802 per year for a 20-year-old driver and even $816 per year for a 40-year-old driver. So be safe and save.