Best condo insurance companies in Kentucky

In Kentucky, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Kentucky. Below are the best condo insurance companies in Kentucky based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
5.0
Automobile Club MI (AAA)817A+
4.1
Allstate815A+
4.1
Nationwide816A+
3.9
Progressive801A+
3.0

Average cost of condo insurance in Kentucky

The average cost of condo insurance in Kentucky is $491 a year or $41 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$491$41

Condo insurance calculator

Average condo insurance rates in Kentucky
$60,000
$40,000 $60,000 $80,000 $100,000
$1000
$1,000
$100,000
$100,000 $300,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for condo insurance in Kentucky

Most expensive

ZIP CodeCityHighest Rate
42001Massac$783
42003Farley$780
42086West Paducah$768
42082Symsonia$766

Least expensive

ZIP CodeCityLowest Rate
40162Rineyville$496
42757Magnolia$498
40176Webster$511
41052Jonesville$516

Condo insurance rates by company in Kentucky

Rates for condo insurance by company in Kentucky vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Kentucky. The cheapest company for condo insurance in Kentucky is Allstate. State Farm, and Automobile Club MI (AAA), are the second and third cheapest options.

CompanyAverage Annual Rate
Allstate$341
State Farm$359
Automobile Club MI (AAA)$362
Kentucky Farm Bureau$380
Auto-Owners$448
Westfield Insurance$469
Nationwide$487
Cincinnati Insurance$507
Progressive$569
State Auto$992

Compare condo insurance rates by city in Kentucky

Condo insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on condo insurance for your specific city in Kentucky.

CityAnnual insurance premium
Bowling Green
$480
Covington
$450
Elizabethtown
$480
Florence
$445
Georgetown
$456
Jeffersontown
$479
Jeffersonville
$493
Lexington
$445
Louisville
$492
Nicholasville
$475
Owensboro
$467
Richmond
$473

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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