Cheapest Auto Insurance in Lexington, South Carolina (2024)
Lexington drivers can find the cheapest rates from USAA, with prices as low as $50 per month.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
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Table of contents
Drivers in Lexington, South Carolina, pay $214 per month for car insurance, on average, compared to the national average of $154. Lexington’s role as county seat for Lexington County, and its proximity to the state capital, Columbia, likely create more congested roads, and probably contribute to its comparatively higher car insurance costs.
But the exact cost of your car insurance premiums will vary based on your unique driver profile — your credit history, driving record, age, and location will affect your rates. Always compare quotes from multiple companies before buying a policy.
Quick Facts
USAA, State Farm, and Auto-Owners have the cheapest car insurance in Lexington.
South Carolina operates under tort law, which means at-fault drivers are responsible for damages they cause to others.
On average, Lexington drivers pay $1,987 per year for liability-only coverage and $3,146 for full-coverage policies.
3 of the cheapest car insurance companies in Lexington
Insurance companies consider several factors when determining your rate, but each company has a slightly different underwriting method of doing so. Factors considered include age, driving record, ZIP code, and vehicle type.
This wide range of factors and different methods often means you’ll find different rates across insurers for the same coverage. Start your search by checking out some of the insurance companies below that consistently offer cheap rates in Lexington.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $91 | $52 | Veterans |
| State Farm | 9.3 | $101 | $57 | Families |
| Auto-Owners | 8.5 | $98 | $55 | Cheap rates |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $87/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers affordable rates, though only to active-duty military members, veterans, and select family members. Although the limitations are a dealbreaker for many, people who qualify for USAA coverage might find it the perfect fit. The company earned the top spot for customer satisfaction in the 2023 J.D. Power U.S. Auto Insurance Study.
Pros
Above-average J.D. Power customer satisfaction rating
Cheap rates
Cons
Limited to members of the military community
No 24/7 phone support
Best insurer for families: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $96/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm, the largest U.S. auto insurer by market share, offers affordable car insurance and a variety of coverages and discounts. The company also offers homeowners insurance, life insurance, and other insurance products. Families can tap into additional savings through discounts for bundling, having good students, and safe driving.
Pros
Above-average J.D. Power customer satisfaction rating
Numerous discounts available, especially for families
Cons
No gap insurance
Rates may be higher than some competitors
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has been in business since 1916 and boasts above-average customer satisfaction ratings. It offers the second-cheapest rates in Lexington after USAA and offers various discount opportunities.
Pros
A++ AM Best rating, the highest possible
Above-average J.D. Power customer satisfaction rating
Cons
Just 2.3 (out of 5) stars on Trustpilot
Can only buy a policy through a local independent insurance agent
)
Top 10 Cheapest Car Insurance Companies for November 2024
How to get the cheapest car insurance in Lexington
You’ll need to have car insurance to drive in Lexington, but you’ve got plenty of ways to keep your costs low. Here are some strategies to lock in cheap auto insurance:
Increase your deductible. A higher insurance deductible for collision or comprehensive coverage often comes with a lower insurance premium. Consider this choice if you have the financial resources to cover a higher deductible in the event of a claim.
Shop around. Each insurance company offers slightly different rates. You can find the best rate for your situation by comparing quotes from multiple insurers.
Look for discounts. Most auto insurance companies offer a range of discount opportunities. Find out if you qualify for lower rates.
Bundle policies. If you need multiple insurance policies, consider purchasing them through the same company. You might be able to lock in a discount by purchasing your home insurance, renters insurance, or life insurance from the same place as your auto insurance.
Find Cheap Car Insurance in Lexington
Liability rates start at $50 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Lexington: USAA
Liability car insurance includes both property damage liability coverage and bodily injury liability coverage. After an at-fault accident, this coverage will help you pay to repair or replace the other driver’s vehicle. Additionally, it covers medical bills incurred by the other driver.[1]
Since this is a bare-bones coverage option, it tends to be the cheapest choice. But liability insurance doesn't pay for your damages or injuries in an at-fault accident, and insurance professionals recommend you buy coverage above state minimums for greater financial protection. Liability insurance in Lexington costs an average of $166 per month.
Explore the average monthly quotes for liability coverage by insurer in Lexington.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $50 |
| State Farm | $54 |
| Auto-Owners | $54 |
| GEICO | $58 |
| Nationwide | $80 |
| Allstate | $85 |
| Safeco | $92 |
| Travelers | $92 |
| Progressive | $98 |
| State Auto | $112 |
| Direct Auto | $145 |
| Dairyland | $156 |
| National General | $156 |
| Liberty Mutual | $177 |
| The General | $182 |
| AssuranceAmerica | $212 |
| Bristol West | $220 |
| GAINSCO | $228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lexington: USAA
Full-coverage auto insurance offers more financial protection than a liability-only policy. In addition to liability coverage, it includes both comprehensive and collision coverages.[1]
Lexington drivers pay a monthly average of $262 for full coverage.
While auto lenders often require this type of coverage, any driver looking for more financial protection should consider carrying a full-coverage policy. Find cheap full-coverage auto insurance for Lexington drivers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $87 |
| Auto-Owners | $93 |
| State Farm | $96 |
| GEICO | $103 |
| Safeco | $137 |
| Nationwide | $141 |
| Allstate | $150 |
| Progressive | $157 |
| Travelers | $161 |
| Root | $189 |
| State Auto | $195 |
| National General | $234 |
| Direct Auto | $242 |
| AssuranceAmerica | $272 |
| Liberty Mutual | $294 |
| Dairyland | $329 |
| The General | $363 |
| Bristol West | $389 |
| GAINSCO | $408 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lexington, South Carolina
Recent Lexington, South Carolina car insurance prices for KIA, Audi, Subaru , and more.
*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lexington, South Carolina within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
You must carry a minimum amount of auto insurance to drive in South Carolina legally. Here’s a look at the minimum insurance limits in this at-fault state:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident; $25,000 property damage per accident |
While South Carolina doesn't require you to buy the following coverages, you should consider carrying them if you drive frequently:
Underinsured motorist coverage
If you get into an accident with an underinsured driver, this will help you pay for related expenses. South Carolina insurers must offer underinsured motorist coverage, but you don’t have to purchase it.
Collision coverage
After an at-fault accident with another vehicle or a stationary object like a tree or light pole, collision coverage can help you repair or replace your vehicle. It also covers rollover accident and damage from hitting a pothole.
Comprehensive coverage
If your vehicle gets damaged in a non-collision event, like a natural disaster, vandalism, theft, or fire, comprehensive coverage can help you get back on the road.
Accident forgiveness
Car insurance rates typically increase after an accident. But if you buy accident forgiveness coverage, your insurance company won't raise your rates after your first at-fault accident. You generally need to have at least three years of a clean driving record to qualify for this type of coverage.
Gap insurance
If an accident totals your leased or financed vehicle, it's possible your claim payout won't be enough to pay off your lease or loan. Gap coverage, also known as guaranteed asset protection, can pay the difference between the actual cash value of your vehicle – which is what an insurer will pay for a totaled car – and the balance on your lease or loan.
Cheapest car insurance for drivers with an incident
Lexington residents with a good driving record tend to find the best auto insurance rates, while drivers with incidents on their records usually see their premiums climb for several years.
Common traffic violations include speeding tickets, driving under the influence, and at-fault accidents. An incident indicates a higher risk to your insurance company, which causes it to raise rates.[3]
Shop for Car Insurance in Lexington, SC
Monthly rates start at $61 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: USAA
Although a speeding fine is inconvenient, it’s just the beginning of the costs. Most drivers with a speeding ticket on their driving record see their car insurance rates increase for three to five years.
On average, Lexington drivers with a speeding ticket pay $224 per month for liability-only coverage and $354 for full coverage. Explore the average monthly cost of liability-only auto insurance for drivers with a speeding ticket in Lexington below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $50 | $64 |
| State Farm | $54 | $68 |
| Auto-Owners | $54 | $69 |
| GEICO | $58 | $74 |
| Nationwide | $80 | $103 |
| Allstate | $85 | $108 |
| Safeco | $92 | $119 |
| Travelers | $92 | $118 |
| Progressive | $98 | $124 |
| State Auto | $112 | $154 |
| Direct Auto | $145 | $185 |
| Dairyland | $156 | $198 |
| National General | $156 | $200 |
| Liberty Mutual | $177 | $243 |
| The General | $182 | $236 |
| AssuranceAmerica | $212 | $269 |
| Bristol West | $220 | $282 |
| GAINSCO | $228 | $313 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident almost always leads to higher car insurance premiums. It signals to insurers that you’re a risky driver, so they’ll raise rates to account for that extra risk.
In Lexington, the average monthly cost of car insurance for drivers with at-fault accidents is $231 for liability insurance and $365 for full coverage.
Check out the average monthly liability-only quotes for drivers in Lexington with an at-fault accident in their past.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $50 | $67 |
| State Farm | $54 | $71 |
| Auto-Owners | $54 | $72 |
| GEICO | $58 | $77 |
| Nationwide | $80 | $108 |
| Allstate | $85 | $113 |
| Safeco | $92 | $122 |
| Travelers | $92 | $123 |
| Progressive | $98 | $131 |
| State Auto | $112 | $162 |
| Direct Auto | $145 | $197 |
| Dairyland | $156 | $206 |
| National General | $156 | $208 |
| Liberty Mutual | $177 | $251 |
| The General | $182 | $247 |
| AssuranceAmerica | $212 | $276 |
| Bristol West | $220 | $293 |
| GAINSCO | $228 | $291 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Driving under the influence is one of the most serious moving violations, and it stays on your record permanently in South Carolina. The offense often leads drivers with a DUI to face significantly higher auto insurance premiums. Some insurers may decide to non-renew your policy at the end of your policy term, or even cancel it mid-term.
Lexington car insurance rates reflect the seriousness of a DUI conviction. The average monthly quote for liability-only coverage is $264, and full coverage is $417. Below, you’ll find a breakdown of average monthly liability-only quotes for drivers with a DUI in Lexington.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $50 | $81 |
| State Farm | $54 | $87 |
| Auto-Owners | $54 | $87 |
| GEICO | $58 | $94 |
| Nationwide | $80 | $130 |
| Allstate | $85 | $138 |
| Safeco | $92 | $138 |
| Travelers | $92 | $149 |
| Progressive | $98 | $159 |
| State Auto | $112 | $181 |
| Direct Auto | $145 | $235 |
| Dairyland | $156 | $253 |
| National General | $156 | $253 |
| Liberty Mutual | $177 | $287 |
| The General | $182 | $295 |
| AssuranceAmerica | $212 | $344 |
| Bristol West | $220 | $356 |
| GAINSCO | $228 | $369 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors: USAA
Insurance companies consider age when determining rates, and as drivers hit their 70s, insurance companies tend to charge slightly higher rates due to increased accident risks. Seniors account for about 14% of Lexington County’s population.[4]
The average monthly cost of liability-only insurance for Lexington seniors is $137. If you’re a senior driver in Lexington looking for the most affordable rates, shopping around is essential.
Start your search by comparing average monthly quotes for Lexington seniors below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $69 | $40 |
| Auto-Owners | $73 | $43 |
| State Farm | $74 | $42 |
| GEICO | $82 | $46 |
| Nationwide | $105 | $60 |
| Progressive | $113 | $71 |
| Safeco | $117 | $78 |
| Allstate | $120 | $68 |
| Travelers | $126 | $72 |
| State Auto | $145 | $84 |
| National General | $179 | $119 |
| Direct Auto | $188 | $113 |
| AssuranceAmerica | $205 | $160 |
| Liberty Mutual | $246 | $148 |
| Dairyland | $262 | $124 |
| The General | $294 | $147 |
| Bristol West | $311 | $176 |
| GAINSCO | $341 | $191 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers usually pay the most for car insurance since they don’t have much driving experience and are more likely to get into accidents. Liability coverage costs $307 per month for teen drivers in Lexington, on average.
But young drivers still have ways to save, including shopping around, increasing their deductible, driving a safe vehicle, applying for good student discounts, and staying on their parents’ insurance policies. Drivers younger than 18 won't be able to buy their own policies without written consent from a parent or guardian.
Take a look at the average monthly quotes for young drivers in Lexington below:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $152 | $88 |
| Auto-Owners | $163 | $95 |
| State Farm | $172 | $97 |
| GEICO | $172 | $97 |
| Nationwide | $257 | $146 |
| Safeco | $274 | $184 |
| Allstate | $279 | $158 |
| Progressive | $287 | $179 |
| Travelers | $304 | $174 |
| State Auto | $361 | $207 |
| Direct Auto | $461 | $276 |
| National General | $479 | $319 |
| AssuranceAmerica | $520 | $405 |
| Liberty Mutual | $527 | $317 |
| Dairyland | $555 | $263 |
| The General | $603 | $302 |
| Bristol West | $685 | $387 |
| GAINSCO | $735 | $411 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
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Lexington car insurance quotes by credit tier
South Carolina allows insurance companies to look at your credit history when determining your premium.[5] Drivers with excellent or good credit scores often pay less than drivers with poor credit scores.
Here’s how your credit tier can affect your premium in Lexington:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lexington?
Drivers in Lexington pay an overall average monthly premium of $214 per month, which is more expensive than most other cities in the Palmetto State. For example, drivers in the coastal city of Charleston pay an overall average of $258 per month for coverage. And by comparison, the overall average monthly cost of car insurance in South Carolina is $224.
More cities in South Carolina
Car insurance rates vary based on a multitude of factors, your location being one of them. Drivers in denser cities typically pay higher premiums than drivers in rural areas with less congested highways.
Explore average quotes for other cities in South Carolina below.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Charleston | $314 | $202 |
| Columbia | $304 | $190 |
| Greenville | $269 | $168 |
| Myrtle Beach | $231 | $162 |
| North Charleston | $349 | $217 |
| Rock Hill | $270 | $184 |
| Summerville | $311 | $206 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Lexington car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Lexington.
How much is car insurance in Lexington?
Car insurance in Lexington costs $214 per month, on average. Drivers pay an average of $262 per month for full-coverage car insurance and $166 per month for liability coverage. Your rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Lexington?
With an average monthly premium of $55 for full coverage, an Insurify Quality (IQ) Score of 8.5 out of 5, and an AM Best financial strength rating of A++ (Superior), Auto-Owners is the best car insurance company in Lexington. Of the insurers Insurify has rate data for, other top Lexington insurers include State Farm and USAA.
Which company has the cheapest car insurance in Lexington?
With a monthly rate of $50 for liability-only coverage, USAA has the cheapest rates in Lexington. State Farm and Auto-Owners also offer affordable coverage, with monthly liability rates of $54 and $54, respectively.
How much car insurance do you need in South Carolina?
Drivers in South Carolina must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage. South Carolina also requires drivers to have uninsured motorist coverage in an amount equal to or greater than their liability limits.
Is South Carolina a no-fault state?
No. South Carolina is an at-fault state, meaning the driver responsible for an accident must use their own insurance to cover the damage they cause.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in South Carolina
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Department of Insurance, SC - Official Website. "Automobile Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- United States Census Bureau. "Lexington town, South Carolina."
- Department of Insurance, SC - Official Website. "Property & Casualty (doi.sc.gov/PC)."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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