For a 40-year-old driver with a clean record, Lexington car insurance averages about $198 a month ($2,374 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 14% below the Kentucky average of $229 a month. Progressive has the lowest full-coverage average of the five insurers we price, at about $137 a month.
Lexington is one of the less expensive places to insure a car in Kentucky. Our benchmark driver pays about $31 a month less here than the state average, and about $61 a month less than in Louisville.
Our data covers 11 Lexington ZIP codes, and they’re priced close together: from about $190 a month in 40514 to $202 in 40505.
Cost data comes from the auto rates insurers file with state regulators, priced across all 11 Lexington ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 29, 2026.
Full coverage in Lexington averages $2,374 a year, or about $198 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $911 a year ($76 a month), and 50/100/50 liability with comprehensive and collision averages $2,318 ($193 a month).
Progressive has the lowest full-coverage average among the five insurers in our Lexington rate data. Travelers, GEICO, USAA, Auto-Owners and Shelter aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. Most published 2026 statewide Kentucky rate studies we reviewed that compare insurers rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families. Our estimates for Lexington are about $97 a month for Travelers and $121 for GEICO. For liability-only coverage at 25/50/10 limits, State Farm and Kentucky Farm Bureau are effectively tied for the lowest average, at about $58 and $59 a month.
Full-coverage averages by insurer in Lexington
Monthly, for the same driver and car. Estimated insurers are in the table below, not the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $892 | $74 | $1,645 | $137 |
| State Farm | $698 | $58 | $1,922 | $160 |
| Safeco | $856 | $71 | $2,280 | $190 |
| Kentucky Farm Bureau | $711 | $59 | $2,626 | $219 |
| Allstate | $1,396 | $116 | $3,398 | $283 |
| USAA (military families)* | $502 | $42 | $1,040 | $87 |
| Travelers* | $584 | $49 | $1,164 | $97 |
| GEICO* | $513 | $43 | $1,451 | $121 |
| Shelter* | $831 | $69 | $1,630 | $136 |
| Auto-Owners* | $764 | $64 | $1,637 | $136 |
| Lexington average | $911 | $76 | $2,374 | $198 |
This table uses Lexington ZIP codes only. See how we calculated these rates.
Across the 11 Lexington ZIP codes we price, full coverage for our driver ranges from about $190 a month in 40514 to $202 in 40505, a gap of $147 a year. Unlike Louisville, Lexington’s ZIP codes are within about $12 a month of each other.
Lowest-priced Lexington ZIP codes
Highest-priced Lexington ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lexington’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 40502 | $927 | $77 | $2,400 | $200 | +1% |
| 40503 | $920 | $77 | $2,332 | $194 | -2% |
| 40504 | $901 | $75 | $2,324 | $194 | -2% |
| 40505 | $924 | $77 | $2,427 | $202 | +2% |
| 40508 | $905 | $75 | $2,415 | $201 | +2% |
| 40509 | $922 | $77 | $2,408 | $201 | +2% |
| 40511 | $897 | $75 | $2,378 | $198 | About average |
| 40513 | $893 | $74 | $2,380 | $198 | About average |
| 40514 | $892 | $74 | $2,280 | $190 | -4% |
| 40515 | $906 | $76 | $2,365 | $197 | -1% |
| 40517 | $930 | $78 | $2,404 | $200 | +1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $56 a year in our Lexington data, with the same $500 deductibles. That’s about $5 a month for three times the injury protection per crash and double the property damage limit. The step up is small partly because Safeco charges more for 50/100/50 than for 100/300/100 in every Kentucky ZIP code we price.
Not for our benchmark driver. Comparing the same insurers in the same Lexington ZIP codes, full coverage averaged $2,577 a year in rates as of Nov. 30, 2025 and $2,374 as of Aug. 31, 2026, a 7.9% drop. Progressive cut its Lexington average 24.4%, Kentucky Farm Bureau 9.9% and State Farm 9.1%, while Allstate and Safeco didn’t change theirs. Liability-only coverage at 25/50/10 limits fell 4.4%: Progressive cut its average 16.1% and State Farm 7.3%, while Kentucky Farm Bureau raised its 2.0%.
Fayette County, which shares a merged government with Lexington, averages $2,374 a year for full coverage, among the lowest of the 99 Kentucky counties we price. Neighboring towns are close: Versailles averages about $195 a month, Nicholasville $193, Georgetown $197 and Winchester $206.
Kentucky also lets cities and counties tax insurance premiums. Lexington-Fayette Urban County’s rate on car insurance is 5% for 2026-27, according to the state’s local premium tax schedule, and your insurer must show the tax and the taxing jurisdiction on your bill. See the rate for every Kentucky city and county in our Kentucky car insurance tax by city guide.
More Kentucky cities and towns are in the Kentucky rates by city table, and you can compare states on our car insurance rates by state page.
Nicholasville, about 12 miles south, averages $193 a month, and Georgetown, about 12 miles north, $197. Richmond, about 25 miles southeast, averages $188, the lowest of the cities we cover.
Drivers in Lexington follow Kentucky’s rules. Every policy must include at least:
Kentucky is a choice no-fault state, so you can also file a form with the state to keep your full right to sue after a crash. Our Kentucky requirements guide covers that choice and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kentucky law and the Kentucky Department of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Lexington averages about $198 a month ($2,374 a year) and liability-only coverage about $76 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 14% below the Kentucky average of $229 a month.
Progressive has the lowest full-coverage average in our Lexington rate data, at about $137 a month, followed by State Farm at $160. For liability-only coverage, State Farm and Kentucky Farm Bureau are effectively tied for the lowest average. Travelers isn’t in the Quadrant rate data we analyze, but most 2026 statewide Kentucky rate studies we reviewed rank it cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Lexington full coverage averages about $198 a month and Louisville about $259, a difference of about $61 a month for the same driver and car.
In our data, 40514 has the lowest full-coverage average in Lexington, at about $190 a month, and 40505 the highest, at about $202. The ZIP code table on this page lists all 11.
In our Lexington data, full coverage (100/300/100 with $500 deductibles) averages about $198 a month and liability-only coverage at 25/50/10 limits about $76, a difference of about $122 a month ($1,463 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
No, not for our benchmark driver. Comparing the same insurers and ZIP codes, Lexington full coverage fell 7.9% between November 2025 and August 2026, from about $2,577 to $2,374 a year. Progressive cut its average 24.4%, Kentucky Farm Bureau 9.9% and State Farm 9.1%. Liability-only coverage at 25/50/10 limits fell 4.4%.
