Lexington, KY, October 4, 2025
News Summary
Lexington, KY, is experiencing the lowest auto insurance rates in the state, primarily due to competitive offerings from Cincinnati, the leading provider for affordable auto insurance. With liability coverage starting at $20 per month and full coverage at $59 per month, Cincinnati holds the most cost-effective options for drivers. This report analyzes various factors affecting auto insurance rates, including the impact of driving violations, providing a comprehensive overview for residents seeking affordable insurance solutions.
Lexington, KY is seeing the lowest auto insurance rates in the state thanks to competitive offerings from local insurers, especially Cincinnati, which provides the cheapest liability and full coverage options. According to research conducted by Way.com’s data team, Cincinnati has emerged as the leading provider for affordable auto insurance in Lexington.
Cincinnati’s rates stand out, offering liability coverage for as low as $20 per month and full coverage insurance for just $59 per month. These prices position Cincinnati at the forefront of the Lexington auto insurance market, making it the most cost-effective choice for drivers in the area.
Cheapest Liability Insurance Rates in Lexington
The rates for liability insurance in Lexington by various providers are as follows:
- #1: Cincinnati: $20
- #2: Auto-Owners Insurance Co: $28
- #3: Kentucky Farm Bureau: $31
- #4: Electric: $32
- #5: Farm Bureau: $36
Cheapest Full Coverage Insurance Rates in Lexington
When it comes to full coverage insurance, the cheapest options available in Lexington are:
- #1: Auto-Owners Insurance Co: $59
- #2: Cincinnati: $65
- #3: Nationwide: $81
- #4: Kentucky Farm Bureau: $85
- #5: Travelers: $104
Impact of Driving Violations on Insurance Rates
Auto insurance premiums in Lexington can increase significantly following traffic violations. The extent of these increases varies based on the type of violation, local regulations, and specific insurer policies. The average insurance rates measured after common driving violations in Lexington are outlined below:
- No violation: $198
- Not-at-fault accident: $213
- Failure to wear a seat belt: $219
- Speeding 6 – 10 MPH over limit: $241
- Speeding 21 – 25 MPH over limit: $247
- DUI: $367
- Reckless driving: $360
- Driving with a suspended license: $368
- Leaving scene of an accident/hit and run: $373
Overview of Research Methodology
The rates and insights shared in this report are based on a comprehensive analysis of millions of auto insurance rate averages across various U.S. ZIP codes, as performed by Way.com’s data team. While these rates are indicative and provide a basis for comparison, it’s important to note that the numbers are sourced from insurer filings and should be used for reference purposes only.
Conclusion
For drivers in Lexington looking for affordable auto insurance, Cincinnati offers standout rates for both liability and full coverage. However, it’s essential that drivers remain aware of how violations can significantly impact their premiums.
Frequently Asked Questions
What is the cheapest liability insurance rate available in Lexington?
The cheapest liability insurance rate available in Lexington is $20 per month from Cincinnati.
How do traffic violations affect auto insurance rates in Lexington?
Traffic violations can lead to significant increases in auto insurance premiums in Lexington, with rates varying based on the violation type.
What are the average insurance rates after common driving violations?
Average insurance rates after common violations in Lexington range from $198 with no violations to $373 for leaving the scene of an accident.
How reliable are the published insurance rates?
The published rates are based on insurer filings and should be used for comparative purposes only.
Deeper Dive: News & Info About This Topic
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Additional Resources
- AOL News: Car Insurance Rates in Lexington
- Kentucky.com: Local News on Car Insurance
- Lane Report: Lexington Insurance Agency Status
- NerdWallet: Cheap Car Insurance in Kentucky
- Wikipedia: Auto Insurance
Author: STAFF HERE LEXINGTON KY STAFF
The LEXINGTON STAFF WRITER represents the experienced team at HERELexingtonKY.com, your go-to source for actionable local news and information in Lexington, Fayette County, and beyond. Specializing in "news you can use," we cover essential topics like product reviews for personal and business needs, local business directories, politics, real estate trends, neighborhood insights, and state news affecting the area—with deep expertise drawn from years of dedicated reporting and strong community input, including local press releases and business updates. We deliver top reporting on high-value events such as Woodland Art Fair, Crave Food and Music Festival, and Railbird Festival. Our coverage extends to key organizations like Commerce Lexington and Blue Grass Community Foundation, plus leading businesses in education, manufacturing, and technology that power the local economy such as University of Kentucky, Toyota Motor Manufacturing, and Lexmark. As part of the broader HERE network, including HEREBowlingGreen.com and HERELouisville.com, we provide comprehensive, credible insights into Kentucky's dynamic landscape.
