insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.

On average, Kentucky homeowners insurance costs $3,153 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Kentucky.

Key Takeaways

  • Homeowners insurance costs an average of $3,153 a year, based on Insure.com analysis.
  • Amongst all the ZIP codes in Kentucky, 41042 has the most affordable home insurance rates, around $2,218 annually.
  • In Kentucky, Cincinnati Insurance provides the most affordable home insurance at an average annual premium of $1,883.

Average home insurance cost in Kentucky by coverage level

The average cost of homeowners insurance in Kentucky is $3,153 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.

However, if you increase the dwelling coverage from $300,000 to $400,000, you will pay $4,009 per year for homeowners insurance in Kentucky for $100,000 in liability protection and $1000 deductible.

Find below the average cost of homeowners insurance in Kentucky for dwelling coverage of $300,000, $400,000 and $500,000

CoverageAverage annual rateAverage monthly rate
$3,00,000 with $1,000 Deductible and $1,00,000 Liability$3,153$263
$4,00,000 with $1,000 Deductible and $1,00,000 Liability$4,009$334
$5,00,000 with $1,000 Deductible and $1,00,000 Liability$4,767$397

Homeowners insurance companies in Kentucky decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate premiums.

If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs.

Best homeowners insurance companies in Kentucky

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in Kentucky using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in Kentucky. Based on the analysis, State Farm received the highest J.D. power score of 829 and A++ rating from AM Best.

CompanyA.M. Best ratingJ.D. Power ratingOverall score
State FarmA++8294.52
NationwideA+8163.6
Automobile Club MIA+8173.57
ProgressiveA+8013.41

Average homeowners insurance cost by company in Kentucky

Cincinnati Insurance offers the most affordable homeowners insurance in Kentucky, at an average annual premium of $1,883 a year, followed by Progressive and Auto-Owners.

You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.

Here are the average annual and monthly insurance rates for Kentucky homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1000 deductible.

CompanyAverage annual rateAverage monthly rate
Cincinnati Insurance$1,883$157
Progressive$1,998$167
Auto-Owners$2,591$216
Westfield Insurance$2,670$223
State Farm$3,160$263
Nationwide$3,277$273
Grange Mutual$3,409$284
Automobile Club MI (AAA)$3,492$291
State Auto$3,773$314
Kentucky Farm Bureau$5,271$439

Kentucky homeowners insurance rates by ZIP code

Insurance companies in Kentucky assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Kentucky. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in Kentucky

Not every area in Kentucky has the same home insurance cost. How much is home insurance in Kentucky depends on a lot of different factors and one of them is your ZIP code. 41042 ZIP has low cost home insurance rates in Kentucky, at about $2,218 a year or $185, based on Insure.com data.

Find below the homeowners insurance rates for some of the most affordable ZIP codes in Kentucky.


ZIP codeAverage annual rateAverage monthly rate
41042$2,218$185
41075$2,245$187
41001$2,260$188
41074$2,271$189
41091$2,281$190
40513$2,294$191
41076$2,300$192
40509$2,306$192
40504$2,314$193
40536$2,314$193

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Kentucky by city

Final thoughts

Finding the right homeowners insurance company takes some digging and comparing quotes from various insurers.

Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in Kentucky.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level

  • $300,000 dwelling coverage
  • $100,000 liability protection
  • $1000 deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is home insurance in other states

Alaska$1,867/Year
Alabama$2,882/Year
Arkansas$4,062/Year
Arizona$1,947/Year
California$1,357/Year
Colorado$3,376/Year
Connecticut$2,165/Year
Washington D.C.$1,203/Year
Delaware$1,230/Year
Florida$2,260/Year
Georgia$2,375/Year
Hawaii$562/Year
Iowa$2,389/Year
Idaho$1,879/Year
Illinois$2,589/Year
Indiana$2,707/Year
Kansas$4,648/Year
Louisiana$2,843/Year
Massachusetts$1,583/Year
Maryland$1,685/Year
Maine$1,420/Year
Michigan$2,306/Year
Minnesota$2,307/Year
Missouri$3,335/Year
Mississippi$3,541/Year
Montana$2,857/Year
North Carolina$2,689/Year
North Dakota$2,931/Year
Nebraska$4,614/Year
New Hampshire$1,190/Year
New Jersey$1,245/Year
New Mexico$2,530/Year
Nevada$1,433/Year
New York$1,727/Year
Ohio$2,005/Year
Oklahoma$4,934/Year
Oregon$1,491/Year
Pennsylvania$1,820/Year
Rhode Island$1,534/Year
South Carolina$2,751/Year
South Dakota$3,514/Year
Tennessee$2,857/Year
Texas$3,977/Year
Utah$1,411/Year
Virginia$2,043/Year
Vermont$1,158/Year
Washington$1,643/Year
Wisconsin$1,495/Year
West Virginia$1,781/Year
Wyoming$1,846/Year
Show more
ZIP Code Please enter valid ZIP