Cheapest Car Insurance Quotes in Lexington

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Lexington Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lexington

The car insurance rate in Lexington is $765 for a six-month policy, which is $104 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, making it a popular choice for budget-conscious drivers. Rates in Lexington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lexington

$765

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Lexington

1st place: AutoOwners Insurance Co

At $392 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $444 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $466 for six months, making it the third cheapest auto insurance company in Lexington.

Lexington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lexington, IL is AutoOwners Insurance Co, offering policies at just $392 for a six-month term. This is followed by Westfield, which has an average six-month premium of $444.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $711 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lexington drivers find the best deals.

Cheap Car Insurance Companies in Lexington, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$392	$67
Westfield	$444	$74
Country Financial	$466	$78
Travelers	$554	$93
American Family	$643	$108
Erie	$674	$113
USAA	$795	$134
State Farm	$800	$135
Progressive	$878	$148
Auto-Owners	$925	$154
Allstate	$1328	$224
Farmers	$1328	$224
Hanover	$826	$137
Mercury	$706	$118
Hastings Mutual	$711	$121

Key Takeaways

Way's key takeaways about car insurance in Lexington

The auto insurance costs in Lexington fall around $392 for six months.
The cheapest auto insurance company in Lexington is Mercury.
Teen drivers pay the highest rate in Lexington at $51 per month.

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Cheapest Minimum Liability Car Insurance in Lexington

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lexington are given below.

Mercury provides the cheapest minimum car insurance coverage in Lexington. Their Average 6 Month Premium is $131. First Chicago is the most expensive at $172 for the same period.

Cheapest Liability Coverage in Lexington, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$131	$22
Westfield	$141	$24
Auto-Owners Insurance Co	$167	$28
Country Financial	$178	$30
Erie	$219	$37
Auto-Owners	$240	$40
Travelers	$240	$40
American Family	$277	$47
State Farm	$277	$47
USAA	$293	$49
Progressive	$340	$57
Allstate	$533	$90
Farmers	$654	$111
Hanover	$157	$26
AAA	$224	$38
First Chicago	$172	$29

Cheapest Full Coverage Car Insurance in Lexington

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lexington is AutoOwners Insurance Co at $67 per month and $392 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lexington, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$392	$67
Westfield	$444	$74
Country Financial	$466	$78
Travelers	$554	$93
American Family	$643	$108
Erie	$674	$113
USAA	$795	$134
State Farm	$800	$135
Progressive	$878	$148
Auto-Owners	$925	$154
Allstate	$1328	$224
Farmers	$1328	$224
Hanover	$826	$137
Mercury	$706	$118
Hastings Mutual	$711	$121

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Average Car Insurance in Lexington by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lexington, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Lexington, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lexington's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lexington

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$622
30s	Auto-Owners	$430
40s	Auto-Owners	$422
50s	Auto-Owners	$399
60s	Auto-Owners	$419
70s	Auto-Owners	$532

Cheapest Car Insurance Rates for Teen Drivers in Lexington,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lexington at $28 per month. At $298 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Mercury	$194	$33
Auto-Owners Insurance Co	$209	$35
Country Financial	$711	$120
Erie	$873	$147
Travelers	$925	$156
USAA	$1610	$271
American Family	$1929	$325
State Farm	$2776	$467
Progressive	$2781	$468
Allstate	$3230	$544
Farmers	$3288	$554
AAA	$298	$51

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Lexington.

As young drivers face the highest rates in Lexington, AutoOwners offers the cheapest auto insurance rates at $622 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lexington, Mercury is the cheapest car insurance provider. At $199 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lexington is State Farm, offering rates of around $2734 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$199	$33
Westfield	$261	$45
Hanover	$350	$58
Country Financial	$523	$88
Travelers	$580	$98
Progressive	$831	$140
American Family	$1019	$172
USAA	$1353	$231
Allstate	$2222	$370
Farmers	$2556	$435
State Farm	$2734	$456

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Car Insurance Rates with An Accident in Lexington

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lexington, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lexington

The cheapest car insurance companies after an at-fault accident in Lexington include AutoOwners Insurance Co and Westfield, offering $219 and $224, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $261.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$219	$37
Westfield	$224	$38
Mercury	$288	$48
Travelers	$502	$84
Erie	$507	$85
Country Financial	$512	$86
State Farm	$758	$128
USAA	$779	$131
American Family	$873	$147
Progressive	$1260	$212
Farmers	$1390	$234
Allstate	$2306	$388
AAA	$371	$63
First Chicago	$240	$40
Hastings Mutual	$261	$45

Lexington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lexington IL. For example, the car insurance in Lexington after a DUI increases to $722 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Lexington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$862	$143
One Med/PIP claim	$868	$148
Not-at-fault accident	$915	$152
One comp claim	$935	$159
Two Med/PIP claims	$935	$156
Failure to wear a seat belt	$1003	$171
Driving without lights	$1014	$169
Child safety restraint	$1019	$173
Two comp claims	$1019	$170
Failure to show documents	$1035	$176
Speeding 6 - 10 MPH over limit	$1056	$176
Driving with expired registration	$1061	$180
Speeding 11 - 15 MPH over limit	$1082	$180
Driving too slowly	$1088	$185
Failure to yield	$1088	$181
Illegal turn	$1088	$185
At-fault accident - less than $1000	$1097	$183
Failure to stop at a red light	$1097	$187
Following too closely	$1097	$183
Speeding 16 - 20 MPH over limit	$1103	$187
Speeding in school zone	$1103	$184
Improper passing	$1108	$188
Wrong way/wrong lane	$1108	$185
Cell phone violation	$1129	$192
Texting while driving	$1129	$188
Passing school bus	$1140	$194
In 65 MPH zone	$1145	$191
Speeding 21 - 25 MPH over limit	$1155	$196
Operating a vehicle without permission	$1177	$196
At-fault accident - $1000-$2000	$1250	$212
At-fault accident - greater than $2000	$1270	$212
Open container	$1312	$224
Reckless driving	$1522	$253
Racing	$1536	$261
Driving with a suspended license	$1568	$261
Refusal to submit to a chemical test	$1579	$268
DUI	$1584	$264
Leaving scene of an accident/hit and run	$1600	$272

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lexington after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lexington.

The cheapest car insurance premiums in Lexington are offered by Mercury at $199 for a six-month policy. However, it can be as expensive as $2242 with companies like Farmers.

Lexington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$199	$33
Travelers	$533	$90
Erie	$617	$104
Progressive	$643	$108
Country Financial	$810	$136
American Family	$988	$166
State Farm	$1072	$180
USAA	$1255	$211
Allstate	$1970	$332
Farmers	$2242	$381

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lexington are offered by Westfield at $167. However, it can be as expensive as $4109 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lexington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Auto-Owners Insurance Co	$188	$32
Mercury	$204	$34
Erie	$219	$37
Hanover	$251	$42
Country Financial	$528	$89
USAA	$685	$114
State Farm	$935	$159
Travelers	$1061	$177
Progressive	$1097	$187
American Family	$1218	$205
Allstate	$3492	$594
Farmers	$4109	$685

Car Insurance Price Trends in Lexington, Illinois

Car insurance rates in Lexington have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lexington rose by $170 in December compared to $168 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Lexington rose to $47 in December, compared to $45 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lexington?

The car insurance in Lexington is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Lexington?

The cheapest car insurance in Lexington is $67 per month for full coverage.

How much is car insurance in Lexington for teenagers?

Car insurance for teenagers costs $167 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lexington?

The average cost of car insurance is $869 for a six-month policy. It will cost around $128 per month to insure your car in Lexington.

Is car insurance expensive in Lexington?

Car insurance can be expensive in Lexington if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lexington can be affordable.

Cheapest Car Insurance Quotes in Lexington

Why you can trust Way?

How Much Is Car Insurance in Lexington

Avg. Car Insurance in Lexington

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Lexington

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Lexington Car Insurance Rates by Company

Cheap Car Insurance Companies in Lexington, IL

Way's key takeaways about car insurance in Lexington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lexington

Cheapest Liability Coverage in Lexington, IL

Cheapest Full Coverage Car Insurance in Lexington

Cheapest Full Coverage Car Insurance Quotes in Lexington, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lexington by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lexington, IL increasing?

Car Insurance Premiums by Age in Lexington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lexington,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Lexington.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lexington

Cheapest Car Insurance Companies after an At-Fault Accident in Lexington

Lexington Car Insurance Rates by Violation

Lexington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lexington after a DUI

Lexington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lexington after Speeding ticket

Car Insurance Price Trends in Lexington, Illinois

Average Car Insurance Cost in Lexington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lexington, IL

Car Insurance Rates by State in the USA (2025 Update)

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