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Lexington-Fayette auto insurance coverage is a necessity not only because the state mandates coverage but also because area traffic congestion increases the risk that you may become involved in an accident at some point in time. Without the right amount of coverage, an accident can significantly affect you financially.

Purchasing car insurance can mitigate this risk, but with all the options available online, it can be difficult to sort through rates, coverage and company information. At InstantCarInsuranceOnline.com, we’ve simplified the insurance shopping and buying process for you.

All you need to do to receive instant auto insurance quotes is enter your zip code in the box above. Within seconds, you’ll receive rates and coverage information from the top car insurance companies in the United States. Then from the comfort of home, you can evaluate and compare companies until you find the coverage just right for you.

Car Insurance Agents in Lexington-Fayette

Another method for evaluating rates and obtaining car insurance in Lexington-Fayette is through local insurance agents. Because they are familiar with the area, they understand the type of coverage that best suits area residents. Below we’ve included links to the largest auto insurance carriers where you can find local insurance agents close to your home or office.

Lexington-Fayette Allstate Insurance Agents
There are 17 Allstate Insurance agents servicing the Lexington-Fayette area with bilingual agents available for those needing assistance in Spanish.

Lexington-Fayette Farmers Insurance Agents
21st Century Insurance, a Farmers Group of Insurance Company, provides auto insurance in Lexington-Fayette and other Kentucky cities but only through their website.

Lexington-Fayette Geico Insurance Agents
Geico Insurance does not provide auto insurance coverage in Kentucky.

Lexington-Fayette Progressive Insurance Agents
For auto insurance in Lexington-Fayette, Progressive has 7 agents to assist local residents with their needs including bilingual representatives for those in the Spanish speaking community.

Lexington-Fayette State Farm Insurance Agents
State Farm maintains a network of 50 agents to provide car insurance in Lexington-Fayette and neighboring cities including Georgetown, Nicholasville, Versailles, Paris, Winchester, Frankfort, Lawrenceburg, Richmond, Cynthiana, Harrodsburg, Lancaster and Mount Sterling.

If we have missed including your company on our resource list, be sure to email us using our contact form. We only accept individual agent listings through our paid feature option at this time.

Lexington-Fayette Car Insurance Rates

Research by CarInsurance.com found that Lexington’s average annual auto insurance premiums of $1,595 are 8 percent lower than Kentucky’s average premiums of $1,726 and 5 percent lower than the national annual average of $1,678. Shopping for auto insurance in Lexington-Fayette each year will help drivers to make sure that they are receiving the best rates for their coverage.

Driving in Lexington-Fayette

Lexington, Kentucky is now officially known as a merged city-county of the city of Lexington and the county of Fayette. It also comprises a large metropolitan statistical area that includes over 687,000 residents of six different counties including Woodford, Bourbon, Scott, Clark, Jessamine and Fayette. As the 2nd largest city in the state, Lexington is most well-known for the horses that fill its bluegrass land region. Interstate highways do run near the city; however, they do not go directly into Lexington, and because there are no freeways that come into or go out of the city, traffic congestion can be a real challenge for residents.

Lexington drivers maintain a relatively safe driving record in the city when compared to collision rates according to the Allstate 2011 Best Drivers Report. The city came in 53 out of 200 cities showing that driving in the area is not as high risk as other large cities in the United States.

In 2010 Lexington-Fayette, Kentucky ranked 2nd in the top ten counties of the state for traffic fatalities according to the National Highway Traffic Safety Administration. In 2010, Fayette County had 24 deaths caused by vehicle accidents representing a 4 percent increase from the previous year. Of those 24 fatalities, 7 involved alcohol impaired drivers.

Real time traffic reports for Lexington-Fayette are offered on the website of the Kentucky Transportation Cabinet. Motorists may go to the website for up to date information on traffic conditions anywhere in the state, and they may also call 5-1-1 using a land line or cell phone. Residents and visitors may visit the site to receive information about road closures, traffic accidents and congestion. Locals can also dial 511 on landlines or cell phone to receive free statewide traffic information.

Kentucky Auto Insurance Laws

The state of Kentucky requires that every driver purchase auto insurance and carry proof of that coverage with them in their vehicle. Kentucky car insurance laws set minimum amounts of coverage that drivers must obtain; however, those amounts are usually not enough to cover the full financial responsibility should a driver become involved in an accident. Insurance companies and agents typically recommend much higher limits and additional coverage that the state does not require.

As a quasi no fault insurance state, most accidents will be covered by auto insurance without regard for fault. Kentucky differs in their handling of fault as it pertains to personal injury protection and right to sue. Find out more about specific Kentucky auto insurance laws and requirements by visiting our page that covers details for drivers.

Lexington-Fayette Car Insurance Quotes

Driving in high traffic areas increases the risk of becoming involved in an accident. Having auto insurance in Lexington-Fayette is the first step in protecting both your vehicle and loved ones. We make it easy to obtain quick quotes on car insurance with our specially designed tool that delivers instant insurance rates and coverage options right at your fingertips. Enter your zip code now to find additional savings on your Lexington-Fayette car insurance today.

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More Information

Lexington-Fayette Urban County Government Lexington, Kentucky

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