Home Renters insurance Renters insurance cost Average renters insurance cost in Kentucky Average renters insurance cost in Kentucky Discover the average cost of renters insurance in Kentucky and how factors like location and coverage levels can impact your rate. 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: December 3, 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. Renters insurance costs in Kentucky vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Kentucky pay $207 per year or $17 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Kentucky is $207 per year or $17 per month.State Farm provides the least expensive renters insurance in Kentucky at an average rate of $199 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Kentucky. Average renters insurance cost in Kentucky per monthThe average cost of renters insurance in Kentucky is $17 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$17$5 lessPowered by:Average renters insurance cost in Kentucky by companyAccording to our data, State Farm provides the most affordable renters insurance in Kentucky, with an average annual rate of $199, followed by Auto-Owners and Progressive.Getting quotes from multiple renters insurance companies in Kentucky is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Kentucky.CompanyAverage annual rateAverage monthly rateState Farm$199$17Auto-Owners$205$17Progressive$220$18Allstate$261$22Kentucky Farm Bureau$324$27Nationwide$330$28USAA*$119$10*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Kentucky Select your state Kentucky Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $193/year Estimated renters insurance rates in Kentucky $16 Monthly renters insurance cost in Kentucky -22% Compared to national average Get quotes Average cost of renters insurance in Kentucky by coverage levelOn average, Kentucky renters pay $207 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Kentucky to $149 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Kentucky for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$150$12$20,000 with $500 Deductible and $300,000 Liability$163$14$20,000 with $1,000 Deductible and $100,000 Liability$136$11$20,000 with $1,000 Deductible and $300,000 Liability$149$12$40,000 with $500 Deductible and $100,000 Liability$212$18$40,000 with $500 Deductible and $300,000 Liability$226$19$40,000 with $1,000 Deductible and $100,000 Liability$193$16$40,000 with $1,000 Deductible and $300,000 Liability$207$17$60,000 with $500 Deductible and $100,000 Liability$270$22$60,000 with $500 Deductible and $300,000 Liability$285$24$60,000 with $1,000 Deductible and $100,000 Liability$244$20$60,000 with $1,000 Deductible and $300,000 Liability$260$22Powered by:Average cost of renters insurance in Kentucky by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Kentucky.Average cost of renters insurance in Kentucky by ZIP codeThe cost of renters insurance in Kentucky varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Kentucky.Most affordable ZIP codes for renters insurance in KentuckyThe amount Kentucky renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 41001 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $192.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Kentucky.ZIP codeCityAverage annual rateAverage monthly rate41001Alexandria$192$1641017Covington$192$1641018Edgewood$192$1641059Melbourne$192$1641075Fort Thomas$192$1641076Cold Spring$192$1641007California$193$1641015Latonia$193$1641016Covington$193$1641051Independence$193$16Powered by:Least affordable ZIP codes for renters insurance in Kentucky40215 is the most expensive ZIP code for renters insurance in Kentucky, at an average cost of $217 annually or $18 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Kentucky. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate40215Louisville$217$1840041Masonic Home$217$1842064Marion$216$18Powered by:Final thoughts: Average renters insurance in KentuckyRenters insurance is essential for residents of Kentucky. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.Shivani GiteContributing Writer | . .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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in KentuckyBest and cheapest homeowners insurance companies in KentuckyCost of Living in Kentucky in 2025How much does condo insurance cost in Kentucky in 2025? 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in Kentucky per monthAverage renters insurance cost in Kentucky by companyAverage cost of renters insurance in Kentucky by coverage levelAverage cost of renters insurance in Kentucky by cityAverage cost of renters insurance in Kentucky by ZIP codeFinal thoughts: Average renters insurance in Kentucky ZIP Code Please enter valid ZIP See rates (844) 761-9316