Cheapest Homeowners Insurance in Kentucky for 2022

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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 Cincinnati Insurance has the lowest average home insurance rates in Kentucky at $1,865 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 Cincinnati Insurance at $1,865 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

Cincinnati Insurance, LM Insurance and USAA 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
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

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

Arizona$1,976/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Washington D.C.$1,488/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Missouri$3,111/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

Nebraska$3,133/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oklahoma$4,445/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Utah$1,378/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

Wisconsin$1,732/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.