How Much are Car Insurance Rates for Uber Drivers in Lexington?

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One of the more important factors that are looked at to determine auto insurance rates is where you normally keep your vehicle. More populated areas are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The information below rates the priciest cities in Kentucky for Uber drivers in which to purchase auto insurance. Lexington is ranked at #19 with a yearly premium of $1,469 for the average policy, which is around $122 per month.

How much is car insurance in Lexington?
Rank City Annual Rate
1 Louisville $2,176
2 Frankfort $1,795
3 Jeffersontown $1,719
4 Saint Matthews $1,660
5 Ashland $1,656
6 Elizabethtown $1,611
7 Radcliff $1,606
8 Paducah $1,599
9 Murray $1,597
10 Danville $1,596
11 Madisonville $1,568
12 Henderson $1,541
13 Georgetown $1,536
14 Richmond $1,535
15 Winchester $1,501
16 Hopkinsville $1,478
17 Nicholasville $1,474
18 Covington $1,472
19 Lexington $1,469
20 Bowling Green $1,461
21 Erlanger $1,435
22 Florence $1,427
23 Independence $1,422
24 Fort Thomas $1,397
25 Owensboro $1,390
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Rate information is approximated as the specific garaging location can change prices noticeably.

Trying to find cost effective car insurance is easier said than done, and determining which companies have the lowest-priced car insurance rates for Uber drivers may require additional perseverance.

Each auto insurer uses different criteria for filing rates in each state, so first we will examine the car insurance companies with the overall best prices in Kentucky.

Best Insurance Companies for Your Uber Vehicle

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Cheapest Kentucky auto insurance companies
Rank Company Cost Per Year
1 Cincinnati Insurance $1,093
2 Kentucky Farm Bureau $1,139
3 USAA $1,175
4 Auto-Owners $1,357
5 Motorists Mutual $1,601
6 Grange Mutual $1,625
7 Travelers $1,680
8 State Farm $1,793
9 Westfield $1,832
10 Safe Auto $1,913
11 Nationwide $2,003
12 Progressive $2,077
13 Electric $2,160
14 State Auto $2,232
15 Encompass $2,382
16 GEICO $2,413
17 Safeco $2,763
18 MetLife $3,146
19 Shelter $3,231
20 Liberty Mutual $3,744
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Cincinnati Insurance normally has some of the cheapest car insurance rates in Lexington at around $1,093 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual would also make the list of some of the most economical Lexington, KY auto insurance companies.

As depicted above, if you have coverage with Auto-Owners and switched to Kentucky Farm Bureau, you may realize yearly savings of in the neighborhood of $218. Kentucky drivers with Motorists Mutual may save as much as $462 a year, and Grange Mutual customers might lower prices by up to $486 a year.

Understand that those policy prices are averaged for all drivers and vehicles in Kentucky and and are not calculated with an exact vehicle garaging location for Uber drivers. So the insurer that has the lowest price for you may not even be in the top 21 companies shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The information below highlights how deductible selection can increase or decrease insurance prices when searching for cheap insurance for Uber drivers. Data assumes a single female driver, comp and collision included, and no discounts are factored in.

The chart above illustrates that a 40-year-old driver could reduce rates by $256 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $390 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, could reduce their rates as much as $656 each year just by choosing larger deductibles. If you make the decision to raise deductibles, it will be required to have emergency funds available to satisfy the extra out-of-pocket expense that is associated with using high deductibles.

Which car insurance company is best in Lexington?

Selecting a high-quality insurer is difficult considering how many companies there are in Lexington. The ranking data in the next section can help you decide which auto insurance companies you want to consider when trying to find cheaper insurance for Uber drivers.

These ratings are only made up of companies with a national presence, so companies that only write business in Kentucky or surrounding areas will not be included in the list. To compare prices from the insurers below and more, just click here.

Top 10 Major Car Insurance Companies in Lexington Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. Erie Insurance
  8. The General
  9. Esurance
  10. 21st Century

Top 10 Major Car Insurance Companies in Lexington Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

How to find the cheapest auto insurance for Uber drivers

It is possible to find better rates, and here are some of the better money-saving ideas that can help drivers get cheap car insurance.

That last piece of advice is incredibly critical, as we stressed in this article. Prices charged by auto insurers in Lexington fluctuate considerably, so don't be hesitant to switch to a new company if you find a cheaper price.

We understand brand loyalty, but it isn't a good idea if that loyalty ends up costing money that could be used for better things. It only takes a couple minutes to compare prices and find cheaper auto insurance for Uber drivers.

The Lexington car insurance agencies listed below can help you decide which car insurance company is the best fit, since some drivers wish to have a consultation when comparing insurance rates for Uber vehicles. It can be complicated to find the cheapest rates, so agents can provide peace of mind knowing you have enough coverage when you need it.

To find a Lexington insurance agent in your neighborhood, click the button link following the list or click here to compare prices now.

Triad Insurance Agency, Inc.
1216 S Broadway - Lexington, KY 40504 - (859) 255-0806

Jeff Briggs - State Farm Insurance Agent
449 Lewis Hargett Cir #150 - Lexington, KY 40503 - (859) 273-8512

Dwight McCarty - State Farm Insurance Agent
3620 Walden Dr #211 - Lexington, KY 40517 - (859) 971-0266

Kelly Wooten Insurance Agency
2331 Fortune Dr #175 - Lexington, KY 40509 - (859) 278-3487

Bob Pugh - State Farm Insurance Agent
828 Lane Allen Rd #251 - Lexington, KY 40504 - (859) 276-4421

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