By: Ishan Mukhopadhyay Jun. 01, 2018

A recent Raltin analysis on car insurance premiums in Lexington, Kentucky, shows that 52-year-old married men with a driving experience of 35 years can enjoy the the largest savings ($3,833), since the 75th and 25th percentiles of premium rates is the greatest for this cohort, followed by 45-year-old divorced men with a driving experience of 29 years (savings of $3,151). This survey was conducted using information from the latest Auto and Home Insurance Guide report issued by the Kentucky Department of Insurance.

The most expensive premiums starting at $2,082 are paid by the cohort of 52-year-old married men and are offered by Unitrin Direct Property & Casualty Company. The most expensive premium for this category of drivers is $18,484 offered by Allstate Indemnity Company.

CSAA Fire and Casualty Insurance Company offers the cheapest premiums starting at $471 to 70-year-old widowed women with a driving experience of 20 years. In addition, the company provides the second cheapest premium starting at $505 to 32-year-old married men with a driving experience of 16 years. The third cheapest premium is available to 23-year-old single women with a driving experience of 7 years, at $619.

The following graph compares premiums across cohorts for Lexington, KY.

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The following table compares the car insurance premiums for key cohorts in Lexington, Kentucky. In addition, it lists the names of the companies offering the most expensive, cheapest, and median premiums and the differences between the 75th and 25th percentile in the premiums.

CohortCheapest Car Insurance Companies in Lexington, KYMost Expensive Car Insurance Companies in Lexington, KYMedian Car Insurance Companies in Lexington, KY25th Percentile of Car Insurance Premiums in Lexington, KY75th Percentile of Car Insurance Premiums in Lexington, KYDollar Difference between the 25th and 75th PercentilesPercentage Difference between the 25th and 75th Percentiles
52-year-old married men with a driving experience of 35 yearsUnitrin Direct Property & Casualty Company ($2,082)Allstate Indemnity Company ($18,484)LM General Insurance Company ($5,890)American Commerce Insurance Company ($4,470)Encompass Insurance Company of America ($8,303)$3,83385.75%
32-year-old married men with a driving experience of 16 yearsCSAA Fire & Casualty Insurance Company ($505)Liberty Insurance Corporation ($3,670)Unitrin Direct Property & Casualty Company ($1,218)Esurance Insurance Company ($953)Property and Casualty Insurance Company of Hartford ($1,699)$74678.28%
45-year-old divorced men with a driving experience of 29 yearsSafeco Insurance Company of Illinois ($1,547)Alfa Specialty Insurance Corporation ($17,357)Hartford Accident and Indemnity Company ($5,197)Unitrin Direct Property & Casualty Company ($3,822)Star Casualty Insurance Company ($6,973)$3,15182.44%
23-year-old single men with a driving experience of 7 yearsPharmacists Mutual Insurance Company ($676)Dairyland Insurance Company ($4,742)Guideone Mutual Insurance Company ($1,678)USAA General Indemnity Company ($1,343)First Liberty Insurance Corporation (the) ($2,338)$99574.09%
70-year-old widowed women with a driving experience of 20 yearsCSAA Fire & Casualty Insurance Company ($471)Sentinel Insurance Company Ltd ($6,286)LM General Insurance Company ($1,087)Twin City Fire Insurance Company ($886)Property and Casualty Insurance Company of Hartford ($1,471)$58566.03%
23-year-old single women with a driving experience of 7 yearsPharmacists Mutual Insurance Company ($619)Dairyland Insurance Company ($5,060)Electric Insurance Company ($1,436)Allstate Property & Casualty Insurance Company ($1,235)Vigilant Insurance Company ($1,904)$66954.17%


ABOUT THE AUTHOR

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Ishan Mukhopadhyay

Ishan has over 5 years of experience as a freelance journalist and a content writer. He graduated from The English and Foreign Languages University and holds a Masters degree from the University of Hyderabad. Apart from the English language, Ishan's other passion is data driven journalism.

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