Cheap Auto Insurance Quotes in Lexington, KY, for 2023

Car Insurance in Lexington, KY

Are you a driver in Lexington? If so, you may be on the lookout for cheap car insurance rates. The good news is you can find them. As long as you shop around and compare your options from small and large auto insurance companies, you’ll be able to lock in a great deal on your policy. This is especially true if you’re a responsible driver with a clean driving record.

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Cheapest Car Insurance in Lexington, KY

When you begin your search for cheap car insurance in Lexington, you’ll find no shortage of coverage options and rates. Several insurers offer rates below $200 per month. Here’s a closer look at the rates in Lexington.

Minimum Car Insurance Requirements in Kentucky

All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Lexington Car Insurance Rates by Driving and Accident History

To secure the cheapest car insurance rates in Lexington, it helps to have a clean driving record. As you can see from the table below, serious traffic violations, like speeding tickets, at-fault accidents, and DUIs can increase the cost of your coverage^[2]. If you make it a priority to drive responsibly, you’ll be rewarded with the most affordable rates in Lexington.

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High-Risk Car Insurance Kentucky

DUI Car Insurance Kentucky

Lexington Car Insurance Rates by Credit Tier

Car insurance companies, just like lenders, may look at your credit score when you apply for an auto insurance policy^[3]. If you have excellent credit, you can pay less for coverage than a driver with poor credit because insurers believe you’ll be less likely to file a claim. Here’s a look at how credit tier affects the average monthly cost of auto insurance in Lexington.

How to Get the Cheapest Car Insurance in Lexington

With Insurify, you can lock in cheap car insurance in Lexington. Once you fill out a short online form with a few details about yourself and your vehicle, you’ll receive personalized quotes from the best car insurance providers. You won’t have to sign up or pay any fees. This tool makes it a breeze to find the lowest rates for your unique situation.

Discounts are another great way to secure cheap auto insurance rates. Drivers who bundle their auto insurance with renters insurance or homeowners insurance can save quite a bit. If you’re unsure which discounts you qualify for, ask your insurance agent.

Frequently Asked Questions