Home Home insurance Renters insurance Renters insurance cost Cheap renters insurance in Kentucky Cheap renters insurance in Kentucky By Insure.com's Editor | Posted on February 6, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. There’s a lot to take into account when shopping for renters insurance, but we’ve compiled a list of the top providers in Kentucky. Our insurance experts have analyzed price quotes from Kentucky’s largest renters insurance companies to help make your decision easier. Below is the list of cheapest renters insurance companies in Kentucky: Cincinnati InsuranceUSAAAllstateGarrisonKentucky Farm Bureau Cheapest renters insurance companies in Kentucky Cincinnati Insurance offers the cheapest renters insurance in Kentucky at an average annual rate of $164 or $14 per month. Based on Insure.com’s rate analysis, we have mentioned cheap renters insurance companies in Kentucky along with their average annual rates. CompanyAverage annual rateAverage monthly rateCincinnati Insurance$164$14USAA$207$17Allstate$228$19Garrison$232$19Kentucky Farm Bureau$263$22State Farm$292$24Travelers$298$25Safeco$358$30Nationwide$403$34Liberty$535$45LM Insurance$573$48First Liberty$599$50Auto Owners$1,442$120 Average cost of renters insurance in Kentucky by coverage level In Kentucky, the average cost of renters insurance is $295 per year or $25 per month, that’s $31 less than the national average of $326. These rates are for the coverage level of $20,000 for personal property, $1000 as deductible and $300,000 as liability protection. Find below average cost of renters insurance in Kentucky for coverage levels of- $40,000 and $60,000 with liability protection of $300,000 and $1000 as deductible. Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate$20,000$295$25$40,000$424$35$60,000$552$46 Most affordable ZIP codes for renters insurance in Kentucky How much Kentucky renters pay for insurance majorly depends on the zip code they live in. Based on our findings, the most affordable zip code for renters insurance in Kentucky is 41011. Its average annual rate $312 or $26 per month. The above mentioned rates are for the coverage limits of $40,000 for personal property, $1000 as deductible, and 100,000 in liability protection. Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in Kentucky. ZIP codeAverage annual rateAverage monthly rate41011$312$2641014$313$2640376$329$2741204$330$2841124$331$2840336$332$2840434$333$2840312$334$2841034$335$2840328$336$28 Least affordable ZIP codes for renters insurance in Kentucky Your zip code, among other factors, affects how much you pay for renters insurance in Kentucky. 40214 is the least affordable zip code for Kentucky renters at an average cost of $426 a year or $36 monthly. We have analyzed quotes from the major insurance carriers across all the zip codes in Kentucky. Below we’ll provide the average annual renters insurance costs by ZIP code, also find out how much renters insurance costs per month. ZIP codeAverage annual rateAverage monthly rate40214$426$3640023$422$3540219$421$3540059$420$3540118$419$3540258$418$3540218$417$3540018$416$3540220$415$3540207$414$34 Renters and auto bundle discounts in Kentucky If you’re looking for ways to trim costs on your insurance premiums, consider purchasing both renters and auto policies from the same company. Bundling policies can help you save an average of $119 per year in Kentucky. State Farm offers the cheapest rate on renters and auto insurance bundle, you can save an average of $101 annually or 7%. CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savingsState Farm$1,317$1,418$1017%Progressive$1,715$1,819$1046%Cincinnati $1,750$1,764$131%Standard Fire $1,815$1,833$181%Kentucky Farm Bur Mut $1,949$2,166$21710%Auto Owners $1,965$2,069$1045%Geico$2,047$2,110$633%Grange Prop & Cas $2,974$3,396$42212%Allstate$3,893$3,922$291% How much is renters insurance in other statesAlaska$165/YearAlabama$377/YearArkansas$313/YearArizona$255/YearCalifornia$225/YearColorado$221/YearConnecticut$246/YearDelaware$262/YearFlorida$208/YearGeorgia$454/YearHawaii$166/YearIowa$245/YearIdaho$232/YearIllinois$245/YearIndiana$238/YearKansas$274/YearLouisiana$417/YearMassachusetts$269/YearMaryland$194/YearMaine$206/YearMichigan$352/YearMinnesota$362/YearMissouri$279/YearMississippi$393/YearMontana$201/YearNorth Carolina$166/YearNorth Dakota$338/YearNebraska$226/YearNew Hampshire$171/YearNew Jersey$249/YearNew Mexico$261/YearNevada$259/YearNew York$230/YearOhio$282/YearOklahoma$380/YearOregon$189/YearPennsylvania$200/YearRhode Island$263/YearSouth Carolina$267/YearSouth Dakota$160/YearTennessee$239/YearTexas$251/YearUtah$267/YearVirginia$220/YearVermont$128/YearWashington$174/YearWisconsin$191/YearWest Virginia$240/YearWyoming$150/YearShow more Related Articles How to protect your home from lightning strikes By Nupur Gambhir Does homeowners insurance cover mold? By Geoff Williams Are pools and hot tubs covered by homeowners insurance? By Nupur Gambhir Does homeowners insurance cover fireworks damage? By Nupur Gambhir Home replacement cost calculator By Nupur Gambhir Does homeowners insurance cover storage units? By Lena Borrelli Table of contents Cheapest renters insurance companies in Kentucky Average cost of renters insurance in Kentucky by coverage level Most affordable ZIP codes for renters insurance in Kentucky Least affordable ZIP codes for renters insurance in Kentucky Renters and auto bundle discounts in Kentucky Get instant quotes now ! Please enter valid zip Get quote