Home Home insurance 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. | Updated on: January 16, 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 monthIn Kentucky, the average cost of renters insurance is $17 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$17$5 lessAverage renters insurance cost in Kentucky by companyState Farm offers the most affordable renters insurance in Kentucky at an average annual rate of $199, followed by Auto-Owners and Progressive, based on our data.However, you should get multiple quotes from various renters insurance companies in Kentucky because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Kentucky.CompanyAverage annual rateAverage monthly rateState Farm$199$17Auto-Owners$205$17Progressive$220$18Allstate$261$22Kentucky Farm Bureau$324$27Nationwide$330$28USAA$119$10 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 levelThe average annual cost of renters insurance in Kentucky is $207, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $205 a year for renters insurance in Kentucky. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows 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$22Average cost of renters insurance in Kentucky by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Kentucky.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Kentucky by cityBowling GreenCovingtonOwensboroAverage 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 KentuckyIn Kentucky, your ZIP code plays a major role in determining your premiums. Based on our data, 41001 is the most affordable ZIP code for renters insurance, with an average annual cost of $192.Comparing quotes from multiple insurers in Kentucky is a smart way to find the best renters insurance rates for your ZIP code.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$16Least affordable ZIP codes for renters insurance in KentuckyAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Kentucky is 40215, with an average cost of $217 a year or $18 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Kentucky. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate40215Louisville$217$1840041Masonic Home$217$1842064Marion$216$18Renters and auto bundle discounts in KentuckyBundling your renters and auto insurance policies is one of the easiest ways to lower your Kentucky insurance rates.Bundling your policies can lead to an average annual savings of 5% in Kentucky. We found that Travelers provides the most affordable rates for a renters and auto insurance bundle, allowing you to save up to 5% on your premiums each year.CompanyAverage annual rate$ bundle average savings% bundle average savingsTravelers$1,652$875%Nationwide$1,771$1226%Grange Mutual$1,791$684%Geico$1,900$583%Auto-Owners$1,903$1005%State Farm$2,012$1487%Cincinnati Insurance$2,049$141%Progressive$2,104$23010%Kentucky Farm Bureau$2,362$26310%Allstate$3,358$231%Final thoughts: Average renters insurance in KentuckyRenters insurance is a must for Kentucky renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/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 Explore other insurance options in Kentucky Average homeowners insurance cost in Kentucky Average car insurance cost in Kentucky Non-owner car insurance in Kentucky 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell 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 codeRenters and auto bundle discounts in KentuckyFinal thoughts: Average renters insurance in Kentucky ZIP Code Please enter valid ZIP See rates