Car Insurance in Lexington, KY

Get peace of mind and drive confidently with car insurance in Lexington, KY.
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Get Around in Lexington

People in Lexington own cars for different reasons, but having a vehicle is useful since public transportation is limited. In fact, the average household in the area has two vehicles. With a car, the approximately 320,000 residents in the Lexington area can more easily commute to work, run errands and explore Kentucky and areas beyond. State law requires car insurance in Lexington, KY, and it offers drivers peace of mind.

Rain, snow and other types of precipitation can make driving tricker than usual in Lexington. Fortunately, annual temperatures typically stay in the range of 27 to 85 degrees Fahrenheit. giving residents relatively comfortable winters and summers.

Of course, it is always important to have the proper type of insurance coverage and to stay alert on the roads. There are about 42 fatalities per year in the area due to car crashes. Driving carefully can help, but it is necessary to have the right coverage in case of minor or major accidents.

Great Car Insurance in Lexington, KY

The average cost of car insurance in Lexington, KY, is $1,689 a year. This is a bit less than the statewide average and a bit higher than the national average of $1,548. At VIU by HUB, we are dedicated to giving drivers comparisons so they can find the best insurance for them at competitive prices.

Factors Affecting Your Car Insurance Rates

Insurance providers typically set your rates depending on factors such as your neighborhood in Lexington, your driving history and the make, model and age of your vehicle. Insurers also consider your marital status, gender, age and credit score. Different insurers may offer discounts such as multi-driver, good student, good driving history and safety devices.

Try to compare quotes at least once a year to get the most competitive rates available to you and to make sure your insurance still meets your needs. For example, your car insurance requirements can vary due to vehicle age, the status of a loan and family dynamics. What made sense five years ago might not anymore. Using VIU by HUB makes the comparisons easy.

Required and Optional Coverage

The Commonwealth of Kentucky has measures to identify and penalize uninsured drivers. To avoid sanctions, obtain the minimum level of required coverage and consider going higher for more coverage and peace of mind. The minimum that drivers should have is 25/50/25 for short, which translates to the following:

  • $25,000 for bodily injury per person (coverage for injuries to a single person that you cause)
  • $50,000 for bodily injury per accident (the total amount available for all people you injured)
  • $25,000 for property damage per accident (the amount of coverage in at-fault accidents if you damage another person's property)
  • $10,000 per person for personal injury protection (coverage regardless of fault)

The state will also accept a single policy with a limit of $60,000 in lieu of these separate coverages. If your car is leased or financed, the lender may require additional coverage. You can customize your policy as needed. For example, you can increase your coverage in one or more areas to the maximum available.

Using VIU by HUB is an excellent way to compare quotes and make an educated decision about your car insurance in Lexington, KY, whether you are getting a policy for the first time, renewing a current policy or just curious about other rates and possibilities.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



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