Updated August 2026 · public rate filings

Cheapest car insurance in Lexington, Kentucky

Kentucky requires minimum liability coverage of 25/50/25, plus $10,000 PIP under its default no-fault option.

Adult driver, full coverage

GEICO (estimated from state average) $195.52/mo

Progressive (estimated from state average) $208.00/mo

GEICO $215.81/mo

State Farm (estimated from state average) $220.48/mo

Progressive $225.09/mo

State Farm $238.87/mo

About these numbers

Rates are estimates built from public rate filings, not personalized quotes. Your own rate will depend on your driving record, exact address, and the coverage limits you choose. See our methodology for sources.