🚗 Car insurance cost in Lexington, KY (2027)
Estimated average: $2,572 per year — +20% vs. the U.S. average of $2,150.
With about 320,347 residents, Lexington is a large city and the #2 largest city in Kentucky. Car insurance rates here are estimated at $2,572 per year, above the Kentucky average of $2,473 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Lexington with other Kentucky cities.
Estimate your car insurance in Lexington
Lexington car insurance estimator
Starts from the Lexington estimate. Get quotes to confirm your price.
Lexington car insurance FAQ
How much is car insurance in Lexington, KY?
The estimated average is $2,572 per year — above the state average (+4% vs. the Kentucky average of $2,473, and +20% vs. the U.S. average).
Is car insurance more expensive in Lexington than elsewhere in Kentucky?
Lexington has about 320,347 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Lexington?
Compare at least three quotes from insurers active in Lexington, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.