Tracking down the cheapest homeowners insurance for you takes some digging and comparing quotes from multiple home insurance companies.
Home insurance companies gauge risk differently from one another. One insurer may put more emphasis on one metric and not as much on another.
That’s why getting quotes from at least three homeowners insurance companies is an essential part of shopping for the cheapest homeowners insurance in Kentucky. We found that Liberty Mutual has the lowest average home insurance rates in Kentucky at $1,819 per year on average.
Let’s take a look at homeowners insurance in Kentucky and how to find the best home insurance rates.
Key Takeaways
- The cheapest homeowners insurance for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible in Kentucky is offered by Liberty Mutual at $1,819 per year.
- The homeowners insurance in Kentucky is $557 more than the national average.
- The zipcode 41075 offers the cheapest homeowners insurance in Kentucky at $2,420 per year.
Cheap homeowners insurance companies in Kentucky
Liberty Mutual, Cincinnati Insurance and LM Insurance have the three cheapest Kentucky homeowners insurance rates, on average.
Here are average annual premium for homeowners insurance in Kentucky for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Liberty Mutual | $1,819 | $152 |
| Cincinnati Insurance | $1,865 | $155 |
| LM Insurance | $1,914 | $159 |
| USAA | $2,358 | $196 |
| Allstate | $2,833 | $236 |
| Garrison | $3,691 | $308 |
| Nationwide | $3,765 | $314 |
| State Farm | $3,813 | $318 |
| Travelers | $3,833 | $319 |
| Safeco | $4,278 | $357 |
| First Liberty | $4,509 | $376 |
| Kentucky Farm Bur Mut | $4,751 | $396 |
| Auto Owners | $18,074 | $1,506 |
Compare cheap homeowners insurance in Kentucky by ratings
Experts at Insure.com compared the cheapest homeowners insurance companies in Kentucky based on J.D. Power score and AM best rating. Among the carriers surveyed, USAA received the highest J.D. power score — 882 out of 1000.
Find below the list of cheap homeowners insurance companies and J.D. Power score and AM Best rating.
| Company | J.D. Power score | AM Best rating |
|---|---|---|
| USAA | 882 | A++ |
| State Farm | 835 | A++ |
| Allstate | 829 | A+ |
| Nationwide | 812 | A+ |
| Safeco | 810 | A |
| Liberty Mutual | 806 | A |
| Travelers | 800 | A++ |
How much is home insurance in Kentucky
The average homeowners insurance in Kentucky is $2,862 for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.
Beyond location, insurance providers also consider claims history for you, your home and the area; building costs; coverage level; and credit history.
Filing multiple claims is one way to see much higher home insurance premiums.
| Average annual premium | Average monthly premium |
|---|---|
| $2,862 | $238 |
Cheapest homeowners insurance in Kentucky by ZIP code
Homeowners insurance costs vary in Kentucky. Location, including ZIP code, is just one aspect of home insurance costs.
Here are the average home insurance cost by city/ZIP codes in Kentucky:
| ZIP code | Average annual premium | Average monthly premium |
|---|---|---|
| 41075 | $2,420 | $202 |
| 41076 | $2,435 | $203 |
| 41074 | $2,441 | $203 |
| 41001 | $2,460 | $205 |
| 41005 | $2,470 | $206 |
| 40505 | $2,471 | $206 |
| 40502 | $2,478 | $206 |
| 41091 | $2,483 | $207 |
| 41011 | $2,484 | $207 |
| 41059 | $2,487 | $207 |
| 40507 | $2,490 | $208 |
| 40513 | $2,491 | $208 |
| 40506 | $2,492 | $208 |
| 41085 | $2,494 | $208 |
| 40526 | $2,496 | $208 |
