Cheap Car Insurance in Lexington, Kentucky

Want to know more about Lexington and how to acquire cheap car insurance? Well, known as the Horse Capital of the World, Lexington is home to an estimated 318,449 as well as two famous race tracks. An “urban growth boundary” was established to protect the area's numerous horse farms. More than a half million residents live in the Lexington metro area, the second-largest metro in Kentucky outside of Louisville.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Lexington, KY. Get your free customized auto insurance quote today!

Driving conditions in Lexington

The northeast area of the city has access to Interstate 64 and Interstate 75, but the freeways don't go through the city itself – a likely factor in the city's traffic congestion. There are two beltways: inner New Circle Road or KY 4, and the outer Man 'O War Boulevard. Lexington has made numerous “worst drivers” lists in recent years, most recently the 2016 Worst Cities for Driving list published by WalletHub, which ranked it No. 48 among the top 100.

Unique laws in Lexington

A law taking effect July 2017 prohibits Kentucky drivers from having any other color headlights besides white. This includes film or covering that changes the light color or outline provision lights in the front or back. Also, Kentucky residents and visitors are prohibited from hunting from a moving vehicle.

Lexington crime statistics

According to, the chances of having your car stolen are about 1 in 332. The National Insurance Crime Bureau reports the auto theft rate in the Lexington-Fayette metro area for 2015 was 202 incidents per 100,000 people, compared to the national average of 220.2 incidents per 100,000 people.

The City of Lexington maintains a crime map with types of crimes, addresses and other information at

Lexington safety requirements

Everyone in a vehicle not riding in a child seat must wear seat belts, according the Commonwealth of Kentucky. The laws were enhanced in 2015 to require all children up to 57 inches tall and up to 8 years old to ride in an approved car seat or a booster if they are between 40 and 80 pounds. They must be rear-facing until they are both age 1 and 20 pounds. Drivers under 18 may not use mobile phones. Driving and texting is banned for all motorists.

Lexington impaired driving laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving under the influence, or DUI, according to the Commonwealth of Kentucky. Drivers can be convicted at lower levels if there is other evidence of impairment. The DUI level for those under 21 is .02, and for commercial vehicle operators it is .04. A first offense DUI is punishable by a fine of $200 to $500, two to 30 days in jail, 90 days of alcohol or substance abuse treatment, license suspension of 30 to 120 days and possible 48 hours to 30 days of community labor.

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Car Insurance Lexington, Kentucky Agents

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  • Bill Rea - State Farm Insurance Agent


    Bill Rea
    We offer insurance products such as auto, homeowners, renters, and life insurance as well as banking products like auto loans, certificate of deposits, and credit cards. Our office is here to help you with your insurance and financial needs!

    What makes your specific agency stand out from your competition?
    We are a locally owned and operated state farm insurance agency proudly serving the community for over 40 years. Our experience and professionalism ensures that you will receive the maximum coverage at the most competitive premium. Our insurance policies, financial services, banking products, and business policies are expertly tailored to your individual needs.

    • Multiple Line Discount

      Multiple Car Discount

      Senior Discount

      Youthful Driver Discount

      Good Student Discount

      Accident Free Discount

    • Insurance

    • 317197

    138 E Reynolds Rd Ste 102
    Lexington, KY 40517
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  • Aaa Insurance


    3710 Palomar Centre Dr
    Lexington, KY 40513
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    Worst auto insurance ever! Didn't want to help me due to them getting my new address incorrect therefore I never got my 30 day cancellation notice. Not my fault. They keep saying they can't help me, when it was there fault to begin with. If you want to get a policy from them please god don't get one from Brent Hayes. This agent doesn't give two ___ and he will do anything not to help you fix the problem. To him you are just another number and dollar sign. If you want any help from your agent DON'T choose B.Hayes. Prick.

  • Debra Hensley


    1513 Nicholasville Rd
    Lexington, KY 40503
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    I have had terrible experiences with insurance companies in the past, until my friend told me about Debra Hensley. I was a little hesitant at first but when I went into the office I was so surprised by how welcoming the staff was and the uniqueness of the office. I was immediately able to talk to someone and they showed great knowledge and understanding of what they were doing. They were even able to help me get discounts that I didn't even know I would be able to get. Overall, I am saving more than $250, if that's not good I don't know what is. I highly recommend giving them a call.

    I recently switched my insurance to Debra Hensley's office State Farm and just want to tell all readers of how impressed i was with this office. The staff is nice and friendly, and very knowledgeable. The agent has been in business for more than 30 and she helped me to chose all the necessary coverages to protect my family in case of disaster. I am just in shock to see an office where an employee can bring a baby, rescue dog and also they had a awesome cafe as their waiting room. Impressed, Impressed and Impressed. Recommend to check them out!

  • Heritage Insurance Agency


    3306 Clays Mill Rd Ste 106
    Lexington, KY 40503
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    These people go out of their way to help you - no matter what your insurance needs may be

  • Joe Johnson Insurance Agency


    138 Jefferson St
    Lexington, KY 40508
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    they insured my stolen vehicle for someone and is refusing to give any information to me regarding my stolen vehicle

  • Old Colony Insurance Service


    1900 Cambridge Dr
    Lexington, KY 40504
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    Their team is great with service and handling all of my needs.

  • Sullivan Insurance Agency


    635 N Broadway
    Lexington, KY 40508
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    I admire your faithfulness to your customers. Thanks, Roger

  • A G Perry Insurance Agency
  • Aaa Insurance
  • Acierto Insurance Agency
  • Al Jones Insurance Agency
  • Al Torstrick Insurance Agency
  • Alliance Assurance Agency
  • Alton Hare
  • Alton Hare
  • Anthony Cecil Insurance
  • Art Walters Insurance Agency
  • Auto Insurance Network
  • Bb&t Insurance Services
  • Blue Grass Insurance Agency
  • Bob Pitman
  • Bob Pugh
  • Boian-martin Insurance Services
  • Brian Dolihite
  • Bryan Joseph Mitchell Agency
  • Buckley & Company
  • Bush & Boggs Insurance Agency
  • Bush & Boggs Insurance Agency
  • C D Bullock Insurance Agency
  • C M Space & Associates
  • Cambridge Insurance
  • Carpenter-warren Insurance Agency
  • Carroll & Stone Insurance
  • Carroll Insurance Agency
  • Central Bank Insurance
  • Central Bank Insurance Agency
  • Central States Financial
  • Charles Grayson
  • Charolottea 'charlie' Lee
  • Chuck Powers
  • Ckbs Insurance Group Of Ky
  • Clyde B Wise Insurance Agency
  • Commercial Insurance Services
  • Creech & Stafford Insurance Agency
  • David Lovejoy
  • David R Amole
  • Dawan Hart
  • Dawn Stice
  • Derrick L Roberts
  • Derrick L Roberts
  • Dick Perry
  • Donald Brian Darnell Agency
  • Dwight Mccarty
  • Energy Insurance Agency
  • Frederick A Ryburn
  • Gch Insurance Group
  • Gina Toombs Hopper
  • Greater Lexington Insurance Agency
  • Guy-ezzell Agency
  • H Gene Young
  • Harold Asher Insurance
  • Houlihan Insurance Agency
  • Howard Shelton
  • Insurance & Financial Concepts
  • J. Smith Lanier & Co.
  • Jana Dries
  • Jay Christopher Insurance Agency
  • Jay Razavi
  • Jeff Briggs
  • Jerry Seale
  • Joe Daugherty
  • John G King Insurance
  • John L Worth Insurance
  • Joshua Williams
  • Keith Renfro
  • Kelly D Foster
  • Kelly Wooten Insurance Agency
  • Kentucky Farm Bureau Insurance
  • Kentucky Insurance & Investment Group
  • Kentucky Insurance Agency
  • Kevin B Oconnor
  • Key Insurance Agency
  • Keystone-sills Insurance Agency
  • Keystone-sills Insurance Agency
  • Kinny Landrum
  • Kruse Insurance
  • Lee W Kemp
  • Leo Fain
  • Lexington
  • Lexington Insurance Agency
  • Linda Fugate
  • Mann Sutton & Mcgee
  • Mark Reed Jr
  • Mayne Insurance Agency
  • Members Insurance Services
  • Mike Brownell
  • Mike Ison
  • Mike Todd
  • Mostafa Ghaelian
  • Mountain Valley Insurance Of Corbin
  • Multi Services/harris/boyd Insurance
  • Myers Insurance Agency
  • Neace Lukens
  • Neal Group
  • O'neal Insurance Agency
  • Professional Insurance Plans
  • Progressive Insurance Services
  • Randolph Scott Insurance Agency
  • Ray Shepherd
  • Risk Placement Services
  • Roger Baker
  • Russ Tucker
  • Scott Deyoung
  • Slade & Collins Insurance Agency
  • Stan Johnson
  • Steve Hamlin
  • Stewart Perry
  • Tammy Norris
  • The Elite Agency
  • The Elite Agency
  • Thomas L Crumrine Agency
  • Thomas Mann Insurance Agency
  • Thomas Sacca Insurance Agency
  • Tim Hamilton Insurance Agency
  • Tim Hamilton Insurance Agency
  • Tom Porter Insurance
  • Tony Arnold
  • Triad Insurance Agency
  • Van King
  • Van Meter Insurance
  • Van Meter Insurance Group
  • Wallace Barber
  • Wells Fargo Insurance Services
  • Whitt Insurance Agency
  • Willie Morrison
  • Yaden Insurance Agency
  • Wallace Showman
  • Jacob Cossairt
  • Vadeen Gabris
  • Julie Seher
  • Fernando Hudgens
  • Douglas Henne
  • Molly Serban
  • Emmanuel Buhs
  • Deacon Cahan
  • Lance Wiesel
  • Mildred Brann
  • Gregg Spreng
  • Sawyer Hinsey
  • Stacey Hamann
  • Raymond Higby
  • Darren Shytle
  • Tristan Caronna
  • Aaron Vanpelt
  • Latasha Rener
  • Aryan Bussen
  • Tasha Evatt
  • Angelica Landsberger
  • Rachael Beauford
  • Bernard Arnott
  • Lindsay Rosso
  • Brittany Spellman
  • Harriet Priestly
  • Farrah Danel
  • Martha Loveless
  • Teresa Carmon
  • Sherri Schlaff
  • Delores Carswell
  • Cody Devers
  • Julie Savinon
  • Lois Pierini
  • Tara Polster
  • Dylan Schwend
  • Drew Kalaj
  • Maribel Hannig
  • Clayton Schuerger
  • Giovanny Gerstman
  • Tommy Weinstock
  • Charles Cestone
  • Autumn Foerst
  • Danyelle Espree
  • Brandi Hollingshead
  • Kristine Holgate
  • Kham Flitcraft
  • Tangela Beye
  • Fernando Idom

Auto body shops Lexington, Kentucky

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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