Best Lexington Auto Insurance

Best Lexington Auto Insurance

Despite the fact that car insurance is not cheap in Lexington, paying for car insurance is required for several reasons.

First, just about all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability protection in order to license the vehicle. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your vehicle, almost all lenders will have a requirement that you carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your vehicle at a much higher rate and require you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly for liability claims. But the average driver in Kentucky overpays as much as $830 a year so compare rates at every renewal to help ensure money is not being wasted.

The price you pay for car insurance coverage depends on a wide range of factors, but the average price for a policy in Lexington is $1,484 every 12 months. The average for other states is approximately $1,224, so Lexington drivers pay roughly $22 more each month than other American drivers.

The cost of auto insurance in Lexington depends on many factors, and one of the primary price factors is the type of vehicle you own. The rate information below shows policy rates for the top-selling vehicles bought in Lexington.

Auto Insurance Rates for Popular Vehicles in Lexington
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $878 $439 $73
Chevrolet Equinox LTZ 2WD $960 $480 $80
Chevrolet Silverado LS Regular Cab 4WD $832 $416 $69
Dodge Ram Crew Cab SLT 2WD $978 $489 $82
Ford Escape Limited 4WD $822 $411 $69
Ford F-150 Lariat Crew Cab Harley 4WD $976 $488 $81
Ford Focus S 4-Dr Sedan $878 $439 $73
Ford Fusion Hybrid 4-Dr Sedan $1,136 $568 $95
Honda Accord EX 2-Dr Coupe $1,006 $503 $84
Honda CR-V EX 4WD $776 $388 $65
Honda Civic EX 2-Dr Coupe $1,118 $559 $93
Honda Odyssey Touring $960 $480 $80
Hyundai Sonata SE 4-Dr Sedan $1,006 $503 $84
Jeep Wrangler Sport 4WD 2-Dr $784 $392 $65
Nissan Altima 3.5 SR 4-Dr Sedan $960 $480 $80
Nissan Rogue S 2WD $960 $480 $80
Toyota Camry SE $942 $471 $79
Toyota Corolla LE $942 $471 $79
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $914 $457 $76
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific garaging location which can increase or decrease insurance rates noticeably.

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Drive safe and save

The example below highlights how traffic violations and at-fault accidents influence insurance prices for each age group. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.