The Lexington Police Department responds to more than 6,000 traffic calls for service each month. Data from Kentucky State Police shows that most collisions happen along New Circle Road, Nicholasville Road and Man O’ War Boulevard. A solid car insurance policy can help give you peace-of-mind as you commute in Lexington.
Jerry’s customer quote data shows how Lexington drivers’ rates can change depending on their ages and driving history.
More: Best car insurance in Kentucky
Cheapest minimum coverage insurance in Lexington
Kentucky requires every driver to have these minimum coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $10,000 in personal injury protection, or PIP. Drivers may waive this coverage, but must reject it in writing.
Check out the cheapest quotes for minimum coverage that drivers in Lexington have received via Jerry.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Kentucky
Cheapest full coverage insurance in Lexington
Flooding is Kentucky’s most common and expensive natural disaster, according to the Kentucky Energy and Environment Cabinet. The state’s central area also gets much more tornado activity than the rest of the United States, according to the Lexington-Fayette County Division of Emergency Management.
If your vehicle is damaged by a natural disaster, the mandated minimum coverage likely won’t help you make repairs. That’s a job for full coverage, which combines collision coverage and comprehensive insurance to protect your finances if you’re in an accident, your vehicle is stolen or vandalized, or you hit an animal while driving.
Here are the cheapest quotes for full coverage that drivers in Lexington have received via Jerry.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $68 | $815 | 54 | 06/09/25 | 40509 | ||
| $75 | $897 | 32 | 10/27/25 | 40515 | ||
| $77 | $923 | 29 | 07/31/25 | 40509 | ||
| $79 | $942 | 36 | 10/29/25 | 40508 | ||
| $92 | $1,107 | 26 | 06/09/25 | 40509 | ||
| $94 | $1,130 | 35 | 09/23/25 | 40515 | ||
| $95 | $1,142 | 37 | 06/13/25 | 40517 | ||
| $97 | $1,166 | 54 | 08/20/25 | 40505 | ||
| $99 | $1,185 | 54 | 08/15/25 | 40505 | ||
| $101 | $1,213 | 35 | 09/15/25 | 40509 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Lexington (18-29 years old)
Young drivers often pay the highest prices for car insurance because insurers view their limited driving experience as a risk. This means you may need to compare quotes from multiple insurers to find a better rate.
Check out the cheapest car insurance for drivers between 18 and 29 years old in Lexington, based on quotes from other young Jerry customers.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $70 | $836 | 23 | No | 07/08/25 | 40508 | ||
| $72 | $866 | 23 | No | 09/30/25 | 40511 | ||
| $74 | $886 | 29 | No | 08/13/25 | 40517 | ||
| $82 | $986 | 25 | No | 09/24/25 | 40511 | ||
| $88 | $1,052 | 28 | No | 06/14/25 | 40509 | ||
| $94 | $1,130 | 35 | 09/23/25 | 40515 | |||
| $95 | $1,142 | 37 | 06/13/25 | 40517 | |||
| $97 | $1,166 | 54 | 08/20/25 | 40505 | |||
| $99 | $1,185 | 54 | 08/15/25 | 40505 | |||
| $101 | $1,213 | 35 | 09/15/25 | 40509 |
Cheapest car insurance for mature drivers in Lexington (30-54 years old)
Drivers in the 30- to 54-year-old age group generally get better rates than younger drivers. To maximize your savings, regularly go shopping for auto insurance to find the insurance company that will give you the best rates. Here are the cheapest quotes that mature drivers in Lexington have received through Jerry.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
|
City, State
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ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $43 | $521 | 39 | No | 07/22/25 | 40536 | ||
| $46 | $551 | 31 | No | 11/07/25 | 40508 | ||
| $53 | $630 | 47 | No | 08/04/25 | 40508 | ||
| $54 | $646 | 53 | No | 08/19/25 | 40509 | ||
| $65 | $776 | 31 | No | 08/05/25 | 40508 | ||
| $94 | $1,130 | 35 | 09/23/25 | 40515 | |||
| $95 | $1,142 | 37 | 06/13/25 | 40517 | |||
| $97 | $1,166 | 54 | 08/20/25 | 40505 | |||
| $99 | $1,185 | 54 | 08/15/25 | 40505 | |||
| $101 | $1,213 | 35 | 09/15/25 | 40509 |
Cheapest car insurance for older drivers in Lexington (55+ years old)
Drivers in Lexington who are 55 and older typically get some of the lowest rates, though they may see a slight uptick in their premium costs as they reach their 70s. These are the cheapest quotes that older drivers in Lexington have received via Jerry.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $39 | $468 | 67 | 10/31/25 | 40505 | No | ||
| $59 | $705 | 70 | 10/21/25 | 40503 | No | ||
| $61 | $727 | 55 | 09/11/25 | 40505 | No | ||
| $64 | $771 | 69 | 09/19/25 | 40505 | No | ||
| $68 | $814 | 61 | 09/24/25 | 40508 | No | ||
| $94 | $1,130 | 35 | 09/23/25 | 40515 | |||
| $95 | $1,142 | 37 | 06/13/25 | 40517 | |||
| $97 | $1,166 | 54 | 08/20/25 | 40505 | |||
| $99 | $1,185 | 54 | 08/15/25 | 40505 | |||
| $101 | $1,213 | 35 | 09/15/25 | 40509 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Lexington
Having a clean record can help you get the cheapest possible rate for car insurance. Check out the cheapest quotes that Jerry customers in Lexington have received.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
|
Has Full Coverage
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City, State
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ZIP Code
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|---|
|
Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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Has Full Coverage
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $37 | $446 | 57 | 10/16/25 | No | 40515 | ||
| $50 | $596 | 45 | 06/24/25 | No | 40511 | ||
| $50 | $604 | 42 | 06/20/25 | Yes | 40502 | ||
| $52 | $624 | 39 | 08/12/25 | No | 40505 | ||
| $55 | $662 | 49 | 08/07/25 | No | 40515 | ||
| $57 | $688 | 54 | 08/17/25 | No | 40505 | ||
| $60 | $721 | 53 | 09/21/25 | No | 40511 | ||
| $64 | $763 | 35 | 09/10/25 | No | 40511 | ||
| $64 | $772 | 44 | 07/20/25 | No | 40517 | ||
| $67 | $802 | 35 | 09/15/25 | Yes | 40509 |
Cheapest car insurance for drivers with low credit scores in Lexington
In Kentucky, insurers can use your credit score to help determine your premium. A low credit score usually causes your premium to be higher. To get the best rate, it’s wise to compare quotes from different insurers. Here are the cheapest quotes that Jerry customers in Lexington with credit scores below 550 have received.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| <550 | $109 | $1,308 | 33 | 08/25/25 | 40504 | ||
| <550 | $114 | $1,364 | 34 | 09/07/25 | 40505 | ||
| <550 | $114 | $1,372 | 54 | 02/03/25 | 40507 | ||
| <550 | $116 | $1,387 | 39 | 05/08/25 | 40511 | ||
| <550 | $118 | $1,418 | 32 | 10/15/25 | 40517 | ||
| $57 | $688 | 54 | 40505 | ||||
| $60 | $721 | 53 | 40511 | ||||
| $64 | $763 | 35 | 40511 | ||||
| $64 | $772 | 44 | 40517 | ||||
| $67 | $802 | 35 | 40509 |
Cheapest car insurance for drivers with at-fault accidents in Lexington
When you’re in an at-fault accident, the frustrating process of repairing your vehicle will likely be followed by another frustration: a higher insurance premium. Getting quotes from different insurers after an accident could help you find savings. Here are the cheapest quotes for Lexington drivers with at-fault accidents on their records.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $77 | $929 | 29 | No | 04/16/25 | 40514 | ||
| At Fault With No Injury | $102 | $1,224 | 22 | No | 12/11/24 | 40508 | ||
| At Fault With No Injury | $118 | $1,418 | 32 | No | 10/15/25 | 40517 | ||
| At Fault With No Injury | $120 | $1,437 | 32 | No | 08/03/25 | 40517 | ||
| At Fault With No Injury | $134 | $1,613 | 55 | No | 06/13/25 | 40511 | ||
| $57 | $688 | 54 | No | 40505 | ||||
| $60 | $721 | 53 | No | 40511 | ||||
| $64 | $763 | 35 | No | 40511 | ||||
| $64 | $772 | 44 | No | 40517 | ||||
| $67 | $802 | 35 | Yes | 40509 |
Cheapest car insurance for drivers with speeding tickets in Lexington
If you’re cited for speeding, the ticket isn’t the only cost you’ll incur — your insurance premium will also likely rise. If that happens, it’s wise to compare quotes from other providers to see if a cheaper option is available. Check out the cheapest quotes that Jerry customers with speeding tickets on their records have received.
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Violation Summary
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Violation Summary
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|---|
| Speeding under 15 | $86 | $1,030 | 27 | 11/06/25 | 40515 | ||
| Speeding under 15 | $108 | $1,296 | 39 | 06/19/25 | 40517 | ||
| Speeding under 15 | $135 | $1,621 | 26 | 10/18/25 | 40511 | ||
| Speeding under 15 | $137 | $1,640 | 67 | 08/09/25 | 40504 | ||
| Speeding under 15 | $180 | $2,154 | 31 | 06/08/25 | 40509 | ||
| $57 | $688 | 54 | 08/17/25 | 40505 | |||
| $60 | $721 | 53 | 09/21/25 | 40511 | |||
| $64 | $763 | 35 | 09/10/25 | 40511 | |||
| $64 | $772 | 44 | 07/20/25 | 40517 | |||
| $67 | $802 | 35 | 09/15/25 | 40509 |
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
