The Top Car Insurance Companies in Lexington, Kentucky

Looking for car insurance in Lexington? As Kentucky’s second largest city, Lexington has plenty of options when it comes to auto insurance providers. However, not all companies are created equal when it comes to rates, coverage, and customer service.

This guide will highlight the top car insurance companies in Lexington, KY and what they can offer you. We’ll cover:

  • The major national insurers providing policies in Lexington
  • Key regional and local insurers to consider
  • What coverages and discounts each company offers
  • How to compare quotes and choose the best fit
  • Tips for getting the cheapest Lexington car insurance
  • And more!

Follow along as we break down the main car insurance companies in Lexington and how to pick the right one for your needs.

Major Car Insurance Companies in Lexington

Several large national insurance carriers offer auto policies across Kentucky, including in the Lexington area. Here are some of the major insurers to consider:

State Farm: State Farm is the #1 car insurer in Kentucky with around 30% market share. They have a huge network of local Lexington agents and competitive rates, especially for good drivers. State Farm offers all the standard coverages plus roadside assistance, rideshare coverage, and accident forgiveness. Bundling home and auto can save up to 25%.

Allstate: This insurer is known for bundling discounts and appealing to younger drivers with their Drivewise program. Allstate offers accident forgiveness, new car replacement, and customizable deductibles. Lexington customers can access local agents or get a quote online 24/7.

GEICO: GEICO focuses on low rates powered by online quotes and direct sales. They consistently offer some of the cheapest auto insurance quotes in Lexington. Policy options include mechanical breakdown insurance, rental reimbursement, and emergency road service. You can start a quote in just a few minutes on GEICO’s website.

Progressive: Progressive captures about 10% of Kentucky’s car insurance market. They were one of the first to offer comparison quotes online. Progressive provides standard coverages along with custom parts coverage, rideshare insurance, and usage-based options with their Snapshot program.

Shelter Insurance: This insurer has roots in Missouri and has expanded across the Midwest and South. Shelter agents in Lexington can bundle home, life, car, and business insurance. They offer a full range of auto discounts and options like car rental reimbursement and pet injury protection.

Nationwide: Nationwide is another major national insurer with local Lexington agencies. They insure around 6% of Kentucky drivers. Nationwide is known for bundling discounts, a safe driving program called SmartRide, and quality customer service.

So those are some of the large national brands providing Lexington car insurance. Next let’s look at key regional and local companies.

Top Regional Insurers in Lexington

Beyond the national companies, you’ll also find great regional insurers providing policies across Lexington and the Bluegrass region:

Kentucky Farm Bureau: Farm Bureau has over 40% market share in Kentucky, making it the largest auto insurer in the state. They offer competitive bundling discounts and local agents. However, you must be a KY Farm Bureau member to get a policy.

Liberty Mutual: Liberty Mutual insurance operates across the country but is still considered a regional carrier. They have a decent presence in Lexington. Policy options include new car replacement, rideshare coverage, and accident forgiveness.

The Hartford: This insurer focuses on AARP members but is open to all Lexington drivers. The Hartford offers standard coverages along with roadside assistance, new vehicle replacement, and anti-theft devices. Bundles with home or life insurance can save up to 20%.

Safe Auto: Safe Auto markets to higher risk drivers who may struggle to find affordable coverage. They operate across 16 states including Kentucky. Safe Auto offers state minimum liability up to full comprehensive policies with add-ons like roadside assistance.

Grange Insurance: Grange is headquartered in Columbus, OH but offers auto insurance in 13 states including select Kentucky markets like Lexington. They are known for quality customer service from local agents.

American Access Casualty: AAC specializes in minimum liability insurance for high-risk drivers. They offer policies tailored to Kentucky state minimum requirements. Discounts are limited but they provide an option for qualifying drivers.

How Lexington Car Insurance Companies Compare

When choosing among the many insurance companies in Lexington, here are some key factors to compare:

  • Rates: Rates can vary widely, so compare quotes across multiple insurers. Take into account any discounts you may qualify for.

  • Reputation and reviews: Check reviews and complaints data for each company. Local agents’ expertise also matters.

  • Coverages offered: Look for standard coverages plus any “add-ons” you want like roadside assistance or rideshare coverage.

  • Discounts: Note discounts like safe driver, good student, multi-car, and bundling. More discounts equal more potential savings.

  • Customer service: Examine complaint data and test interactions with the company. How responsive are they? How easy is the claims process?

  • Online vs. independent agent: Decide if you prefer to buy direct online or utilize a local independent insurance agent.

Doing your research and comparing multiple quotes will help you find the right car insurance fit in Lexington.

Tips for Finding the Cheapest Car Insurance in Lexington

To get the lowest car insurance rates in Lexington, remember these money-saving tips:

  • Shop around: Compare quotes from at least 3 different insurers. Rates can vary by hundreds per year.

  • Ask about discounts: Inquire about all possible discounts you may qualify for to lower your premium.

  • Consider usage-based programs: Programs like Progressive’s Snapshot and Allstate’s Drivewise allow you to save based on actual driving habits.

  • Raise your deductible: Increasing your deductible to $500 or $1,000 can substantially lower your premium.

  • Compare bundled rates: You may save up to 25% by bundling home and auto insurance with the same provider.

  • Maintain good credit: Lexington drivers with very good credit pay an average of 47% less than those with poor credit.

  • Enroll in defensive driving: Taking a defensive driving course can make you eligible for a discount of up to 10%.

Follow these tips and make sure to compare quotes from both national and regional insurance companies. This will help you find an affordable policy that fits your coverage needs from the best insurer for Lexington drivers.

Finding the Best Car Insurance Company in Lexington, KY

In conclusion, Lexington benefits from having both major national insurance brands and high-quality regional carriers competing to offer drivers great rates and service.

Do your research to find the insurer that provides the optimal mix of inexpensive auto insurance rates along with responsive claims handling, desirable discounts and coverage options.

Comparing multiple free quotes makes it easy to determine which car insurance company looks out for Lexington drivers. So be sure to shop around and find the perfect policy for your vehicle!

10 Cheapest Car Insurance Companies in 2023


How much is car insurance in Lexington KY?

Our 2022 data shows that the cheapest car insurance company in Lexington is Auto-Owners with average rates at $602 for a six-month policy. Lexington drivers enjoy less expensive premiums than the average for the state of Kentucky ($1,289 every six months) but more than the national average of $742.

Who gives the lowest car insurance rates?

State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month.

What is the best and cheapest insurance for car?

State Farm is the cheapest national car insurance company, at $41 per month for liability-only coverage. Geico also has cheap quotes, averaging $52 per month. USAA has the most affordable liability-only rates at $31 per month. But only military members, veterans or their families can qualify for USAA.

What is the average cost of auto insurance in Kentucky?

Average Car Insurance Costs in Kentucky (2024) The average cost of car insurance in Kentucky is $1,005 per year or $84 per month for full coverage. The most important factors that can drive up your rates are the coverage amount of your policy and your driving record.

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