For drivers with no prior coverage, one of the largest considerations that aid in calculating the amount you pay for auto insurance is where you choose to live in Lexington. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
The information below ranks the highest-priced places in Kentucky for uninsured drivers in which to purchase auto insurance. Lexington is ranked at #15 with a yearly cost of $1,514 on average, which is approximately $126 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Louisville | $2,176 |
| 2 | Frankfort | $1,725 |
| 3 | Ashland | $1,724 |
| 4 | Saint Matthews | $1,694 |
| 5 | Jeffersontown | $1,668 |
| 6 | Madisonville | $1,616 |
| 7 | Murray | $1,613 |
| 8 | Paducah | $1,599 |
| 9 | Elizabethtown | $1,595 |
| 10 | Radcliff | $1,590 |
| 11 | Danville | $1,534 |
| 12 | Hopkinsville | $1,523 |
| 13 | Covington | $1,517 |
| 14 | Winchester | $1,517 |
| 15 | Lexington | $1,514 |
| 16 | Henderson | $1,511 |
| 17 | Georgetown | $1,491 |
| 18 | Richmond | $1,475 |
| 19 | Florence | $1,471 |
| 20 | Independence | $1,466 |
| 21 | Nicholasville | $1,459 |
| 22 | Bowling Green | $1,433 |
| 23 | Erlanger | $1,420 |
| 24 | Owensboro | $1,418 |
| 25 | Fort Thomas | $1,397 |
| Get a Custom Quote Go | ||
Prices are comparative as vehicle location can increase or decrease prices noticeably.
Deciphering which insurers offer the lowest-priced auto insurance rates for uninsured drivers requires more time in order to find the best policy. Each insurance company uses a different method to set premium rates, so we’ll take a look at the overall cheapest auto insurance companies in Kentucky.
Find the Cheapest Car Insurance in Kentucky
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Cincinnati Insurance | $1,093 |
| 2 | Kentucky Farm Bureau | $1,163 |
| 3 | USAA | $1,223 |
| 4 | Auto-Owners | $1,357 |
| 5 | Grange Mutual | $1,577 |
| 6 | Motorists Mutual | $1,617 |
| 7 | Travelers | $1,663 |
| 8 | State Farm | $1,793 |
| 9 | Westfield | $1,870 |
| 10 | Safe Auto | $1,932 |
| 11 | Nationwide | $2,024 |
| 12 | Electric | $2,097 |
| 13 | Progressive | $2,119 |
| 14 | State Auto | $2,254 |
| 15 | Encompass | $2,358 |
| 16 | GEICO | $2,413 |
| 17 | Safeco | $2,681 |
| 18 | MetLife | $3,177 |
| 19 | Shelter | $3,231 |
| 20 | Liberty Mutual | $3,598 |
| View More Rates Go | ||
Cincinnati Insurance quotes some of the cheapest car insurance rates in Lexington at around $1,093 annually. This is $1,050 less than the average policy premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual are also some of the more affordable Lexington, KY car insurance companies.
As the example above demonstrates, if you currently buy coverage from Kentucky Farm Bureau and switched to Cincinnati Insurance, you may see an annual savings of roughly $70. Insureds with USAA might save as much as $130 a year, and Auto-Owners policyholders might lower prices by up to $264 a year.
Bear in mind that those policy rates are averaged for all drivers and vehicles and are not factoring in a specific vehicle garaging location for uninsured drivers. So the insurer that fits your situation best may not even be in the list above. That underscores the importance of why you need to compare prices as often as possible using your own individual information.
The make and model of vehicle you are buying coverage for is one of the biggest factors when comparison shopping for the cheapest insurance for uninsured drivers. Vehicles with economical engines, modern passenger safety features, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The table below features coverage rates for a number of the more affordable automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $841 |
| Ford Escape XLT 4WD | $859 |
| Hyundai Elantra SE Touring Station Wagon | $911 |
| Dodge Grand Caravan CV | $943 |
| Honda Odyssey EX | $976 |
| Chevrolet Impala LS | $985 |
| Chevrolet Equinox LS AWD | $995 |
| Toyota RAV4 4WD | $1,002 |
| Toyota Corolla LE | $1,045 |
| GMC Sierra SLE Extended Cab 4WD | $1,065 |
| Nissan Rogue S AWD | $1,074 |
| Ford F-150 XL Regular Cab 2WD | $1,065 |
| Jeep Grand Cherokee SRT-8 4WD | $1,072 |
| Ford Explorer XLT 4WD | $1,080 |
| Honda Accord EX-L 4-Dr Sedan | $1,122 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,136 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,140 |
| Toyota Prius | $1,146 |
| Dodge Ram Quad Cab Sport 2WD | $1,155 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,161 |
| Ford Edge Limited 2WD | $1,194 |
| Ford Focus SE 4-Dr Sedan | $1,201 |
| Toyota Camry SE | $1,201 |
| Compare Rates Now Go | |
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in garaging location in Lexington, KY which can revise insurance rates significantly.
Based upon the table data, you can presume that cars like the Honda CR-V, Ford Escape, Hyundai Elantra, Dodge Grand Caravan, and Honda Odyssey are some of the more affordable vehicles to insure for drivers with no prior coverage.
The information below highlights how deductible choice can change insurance premiums when getting quotes for cheap insurance for uninsured drivers. The premiums are based on a married female driver, full coverage, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could pocket $266 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $402 by changing to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, have the ability to save as much as $662 or even more by using a higher deductible.
If you do make the decision to raise your deductibles, it will be important to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Discounts on Lexington car insurance
Insurance providers that offer quotes for uninsured drivers may provide discounts that could reduce prices by as much as 30% if you can meet the requirements. Popular auto insurance companies and their possible discounts are shown below.
- Farmers Insurance may offer discounts for bundle discounts, youthful driver, mature driver, early shopping, alternative fuel, and teen driver.
- State Farm offers premium reductions for multiple policy, Drive Safe & Save, student away at school, accident-free, and Steer Clear safe driver discount.
- Liberty Mutual offers discounts for exclusive group savings, teen driver discount, new vehicle discount, new move discount, hybrid vehicle, good student, and newly married.
- MetLife policyholders can earn discounts including defensive driver, claim-free, good driver, good student, and accident-free.
- Progressive may include discounts for online signing, homeowner, online quote discount, multi-vehicle, and good student.
The example below compares insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, safe-driver, multiple vehicle, passive restraint, multiple policy, and anti-theft discounts applied. In this example, the average savings per year on auto insurance for uninsured drivers is 28% or $658.
How to find budget-friendly auto insurance for uninsured drivers
The list below details some of the recommended money-saving suggestions that can help Kentucky drivers get low-cost auto insurance.
- Pay cheaper rates with good credit scores
- Earn a discount by not filing claims
- Drop full coverage on older vehicles
- Higher physical damage deductibles lower rates
- Drive a car with a high safety rating
- Buy your auto and home insurance from the same company and save
- Look for cheaper rates once a year by shopping around
The last idea is extraordinarily crucial, as we discussed in the prior information. Prices vary greatly, so drivers shouldn’t be reluctant to switch companies if you find a cheaper price. Having a favorite company is great, but we do not recommend it if that faithfulness ends up costing you potentially thousands of dollars a year. Spend a few minutes and compare rates to find cheaper insurance for uninsured drivers in Lexington.
The agents shown below are a good start to help you determine which car insurance company is the best fit, as some people have coverage questions and would like to have a little guidance when shopping for the best coverage for uninsured drivers. It can be complicated to find the best rates on your own, so getting professional guidance from a licensed agent can give satisfaction knowing you have sufficient protection if you have a claim. To find an auto insurance agency by location nearest to you, click the button below the list or click here to compare prices now.
- Lexington Insurance Agency, Inc.
465 E High St #101 – Lexington, KY 40507 – (859) 253-6570 - Bob Pugh – State Farm Insurance Agent
828 Lane Allen Rd #251 – Lexington, KY 40504 – (859) 276-4421 - Blue Grass Insurance
2560 Richmond Rd # 200 – Lexington, KY 40509 – (859) 543-0050