Best Lexington, KY Auto Insurance in 2025 (Find the Top 10 Companies Here)
The best Lexington, KY auto insurance providers are Allstate, Geico, and State Farm, offering rates from $45/month. Allstate provides 20% safe driver discounts, Geico offers multi-policy savings, and State Farm excels in fast claims service, making them top picks for affordable, quality coverage.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Dec 26, 2024
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Frequently Asked Questions
Is auto insurance high in Lexington, KY?
Auto insurance in Lexington, KY, starts at $45/month but can rise due to driving records, ZIP codes, or high theft and accident rates.
Which insurance in Lexington is best for a ten year old car?
Geico or State Farm may offer the best rates for older cars, especially if opting for liability-only coverage to save on premiums.
Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.
What auto insurance in Kentucky is required?
Kentucky requires liability insurance: $25,000/$50,000 for bodily injury and $25,000 for property damage, with optional PIP coverage.
Who has the cheapest car insurance in Kentucky?
Geico and Allstate frequently offer some of the cheapest auto insurance rates in Kentucky, with monthly premiums starting as low as $45.
How does car insurance work in Kentucky?
Kentucky mandates minimum liability insurance, with an optional uninsured motorist and medical coverage.
What is Kentucky no-fault rejection?
Kentucky allows drivers to opt out of the no-fault auto insurance system, waiving PIP coverage and retaining the right to sue at-fault parties in accidents.
What is the highest type of car insurance?
The highest type of car insurance is full coverage, which includes bodily injury, property damage, collision, and comprehensive coverage. This insurance offers extensive protection, covering at-fault accidents, vehicle damage from theft, and weather-related events.
Who pays most for car insurance in Lexington?
Teen drivers in Lexington pay the most due to their inexperience. Rates for drivers under 20 are significantly higher than for older, experienced drivers.
Can you drive in Lexington, KY, without insurance?
No, driving in Lexington, KY, is illegal without proof of insurance. Kentucky requires drivers to carry at least the minimum automobile liability coverage.
What is the best car insurance for seniors in Lexington?
State Farm and USAA offer some of the best coverage options for seniors, including discounts for accident-free driving and multi-policy bundling.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.