Lexington, Kentucky, October 4, 2025
News Summary
Cincinnati has been identified as the leading provider of auto insurance in Lexington, Kentucky, offering the lowest rates for both liability and full coverage insurance. With liability coverage priced at just $20 per month and full coverage at $59, Cincinnati significantly outperforms its competitors. Other insurers are notably more expensive, solidifying Cincinnati’s position as the most cost-effective choice for drivers looking for auto insurance in the area. The impact of traffic violations on insurance rates is also highlighted, emphasizing the importance of clean driving records.
Cincinnati Offers Most Affordable Auto Insurance Rates in Lexington, Kentucky
As of October 4, 2025, Cincinnati has emerged as the most cost-effective provider of auto insurance in Lexington, Kentucky. The city provides the cheapest liability coverage at just $20 per month, significantly underpricing its competitors. Additionally, Cincinnati offers the best rates for full coverage insurance in the area at $59 per month, making it an appealing option for many drivers.
Comparatively, the next lowest liability insurance rates come from Auto-Owners Insurance Co at $28, followed by Kentucky Farm Bureau at $31. Other providers include Electric at $32 and Farm Bureau at $36. For full coverage insurance, Auto-Owners Insurance Co again ranks first with a rate of $59, just ahead of Cincinnati. Additional companies in the full coverage category include Nationwide at $81, Kentucky Farm Bureau at $85, and Travelers at $104.
Impact of Traffic Violations on Insurance Rates
Traffic violations can significantly affect auto insurance premiums in Lexington. The average rates post-violation show that even minor infractions can lead to increased costs. For example, drivers without any violations pay an average of $198 per month, while a not-at-fault accident raises the average premium to $213. More serious violations, such as DUI or reckless driving, can be even more costly. A DUI could elevate insurance costs to an average of $367, whereas driving with a suspended license could see rates reaching $368.
The full breakdown of average auto insurance rates in Lexington based on violations is as follows:
- 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 the scene of an accident/hit and run: $373
Data Analysis and Methodology
The auto insurance rates highlighted in this article were released as a result of research conducted by Way.com’s data team. The analysis encompasses millions of rate averages collected from various U.S. ZIP codes, ensuring a comprehensive overview of the insurance landscape in Lexington. Sources for the rates include public and internal data, alongside insurer filings, to facilitate direct comparisons among different providers.
Conclusion
With its competitive pricing for both liability and full coverage insurance, Cincinnati stands out as the preferred choice for auto insurance in Lexington, Kentucky. This advantageous pricing, combined with a clear understanding of how traffic violations influence premium rates, puts Cincinnati in a strong position for current and prospective policyholders.
FAQ Section
What is the cost of liability insurance from Cincinnati in Lexington?
The cost of liability insurance from Cincinnati in Lexington is $20 per month, making it the most affordable option in the area.
What are the rates for full coverage insurance in Lexington?
The cheapest full coverage insurance in Lexington is offered by Auto-Owners Insurance Co at $59 per month, followed closely by Cincinnati at $65 per month.
How do traffic violations impact auto insurance rates?
Traffic violations can lead to significantly increased insurance premiums. For instance, a DUI can raise the average premium to $367, while a speeding violation of 21-25 MPH over the limit can increase it to $247.
Where can I find more information on auto insurance in Lexington?
Information on auto insurance rates can typically be gathered from reputable data analysis sources or directly from insurance providers.
Key Features of Auto Insurance in Lexington
| Insurance Type | Provider | Monthly Rate |
|---|---|---|
| Liability Insurance | Cincinnati | $20 |
| Liability Insurance | Auto-Owners Insurance Co | $28 |
| Liability Insurance | Kentucky Farm Bureau | $31 |
| Full Coverage Insurance | Auto-Owners Insurance Co | $59 |
| Full Coverage Insurance | Cincinnati | $65 |
Deeper Dive: News & Info About This Topic
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Additional Resources
- News Source: News Express KY
- Wikipedia: Auto Insurance
- News Source: AOL
- Google Search: Car Insurance in Lexington
- News Source: Kentucky.com
- Encyclopedia Britannica: Insurance
- News Source: NerdWallet
- Google News: Insurance Rates Kentucky
- News Source: Fox 56 News
Author: STAFF HERE LEXINGTON KY STAFF
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