Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Kentucky Average homeowners insurance cost in Kentucky Homeowners insurance in Kentucky costs $3,314 per year or $276 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com 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 a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Kentucky is $3,314 a year. Continue reading to learn more about homeowners insurance rates in Kentucky by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $3,314 a year, based on Insure.com analysis.Of all the ZIP codes in Kentucky, 41075 has the most affordable home insurance rates at around $2,357 annually.In Kentucky, Cincinnati Insurance provides the most affordable home insurance at an average annual premium of $2,243. Average home insurance cost in Kentucky by coverage levelThe average cost of homeowners insurance in Kentucky is $3,314 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $4,232 per year for homeowners insurance in Kentucky for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Kentucky for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,476 $206 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,486 $207 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,314 $276 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,326 $277 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,232 $353 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,246 $354 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$6,125 $510 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$6,142 $512 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$9,814 $818 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$9,840 $820 Homeowners insurance companies in Kentucky decide rates based on risk. They consider your location, claims history, credit history and coverage limit when calculating 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. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in KentuckyIt’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.We evaluated homeowners insurance providers in Kentucky by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, Nationwide received the lowest NAIC score and an AM Best rating of A+. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreNationwide$3,245A+0.875State Farm$2,719A++0.954.91Auto-Owners$3,114A++0.334.87Westfield Insurance$2,970A0.294.77Auto Club Group – ACG (AAA)$3,421A0.294.62Grange Insurance$3,764B++0.934.25Progressive$2,287A+8.453.81Kentucky Farm Bureau$6,065A0.543.71Average homeowners insurance cost by company in KentuckyCincinnati Insurance provides the most affordable homeowners insurance in Kentucky, with an average annual premium of $2,243. Progressive and State Farm also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in Kentucky with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateCincinnati Insurance$2,243$187Progressive$2,287$191State Farm$2,719$227Westfield Insurance$2,970$247Auto-Owners$3,114$260Nationwide$3,245$270Auto Club Group – ACG (AAA)$3,421$285Grange Insurance$3,764$314Kentucky Farm Bureau$6,065$505Kentucky homeowners insurance rates by ZIP codeIn Kentucky, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Kentucky. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in KentuckyHome insurance costs vary across different areas in Kentucky. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 41075 ZIP code has the lowest home insurance rates in Kentucky, at $2,357 annually or $196 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Kentucky.ZIP codeAverage annual rateAverage monthly rate41075$2,357$19641001$2,392$19940514$2,398$20040502$2,400$20041091$2,404$20041074$2,409$20141076$2,411$20140513$2,421$20241094$2,427$20240536$2,428$202Most expensive ZIP codes for home insurance rates in KentuckyIn Kentucky, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 42083 ZIP pay the highest insurance rates in Kentucky, with an average annual premium of $4,286.Below is a list of some of the most expensive ZIP codes in Kentucky for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate42083$4,286$35742041$4,215$35142050$4,142$34542021$4,065$33942045$4,062$33942058$4,054$33842023$4,053$33841214$4,052$33842460$4,040$33742461$4,030$336Home 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 cityBowling GreenCovingtonOwensboroHome insurance rate trend in KentuckyWe analyzed home insurance rate trends in Kentucky and found that homeowners insurance rates experienced an overall increase of 5% or $161, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,616$3,153$3,314To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Kentucky.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.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 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Kentucky Average renters insurance cost in Kentucky Average car insurance cost in Kentucky Non-owner car insurance in Kentucky How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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