- Average home insurance cost in Kentucky
- Best home insurance companies in Kentucky
- Cheapest home insurance companies in Kentucky
- Kentucky home insurance rates by ZIP code
- Kentucky homeowners insurance rates by county
- Compare homeowners insurance rates by city in Kentucky
- Methodology
- Compare Kentucky homeowners insurance rates with other states
Average home insurance cost in Kentucky
The average cost of homeowners insurance in Kentucky is $4,042 a year or $337 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Kentucky homeowners insurance companies to get the best deal.
Best home insurance companies in Kentucky
The best home insurance company in Kentucky is Cincinnati Insurance, followed by State Farm and Progressive.
Below is a full list of the top Kentucky insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance companies in Kentucky
Below are Kentucky home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see State Farm has the most affordable rates in most categories.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $2,199 | $2,796 | $3,399 | $4,681 | $6,096 |
| Auto-Owners | $3,510 | $4,379 | $5,334 | $7,232 | $10,764 |
| Progressive | $2,883 | $3,491 | $4,083 | $5,203 | $7,735 |
| Cincinnati Insurance | $2,094 | $2,831 | $3,533 | $4,804 | $6,707 |
| Grange Insurance | $4,430 | $5,860 | $7,388 | $9,664 | $13,366 |
| Kentucky Farm Bureau | $4,822 | $7,137 | $9,726 | $14,693 | $23,474 |
| Westfield Insurance | $2,906 | $3,386 | $3,921 | $5,017 | $6,784 |
Kentucky home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Kentucky to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Kentucky Department of Insurance says...
Most homeowners' insurance policies are renewed annually. Deductibles may be selected or changed at the time of purchase or renewal. The Division of Consumer Protection urges you to carefully review your homeowners' insurance contract with your agent so you fully understand the coverage and deductibles involved before completing the purchase or renewal.
- The Kentucky Department of InsuranceThe most expensive ZIP codes in Kentucky for home insurance
Kentucky homeowners insurance rates are the most expensive for ZIP code 42041 with an average annual cost of $6,291.
The most expensive ZIP codes in Kentucky are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Fulton | 42041 | $6,291 |
| Hickman | 42050 | $6,108 |
| Barlow | 42024 | $5,824 |
| La Center | 42056 | $5,754 |
| Symsonia | 42082 | $5,705 |
The least expensive ZIP codes in Kentucky for home insurance
The cheapest ZIP codes for home insurance in Kentucky are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Fort Thomas | 41075 | $2,654 |
| Erlanger | 41018 | $2,669 |
| Alexandria | 41001 | $2,678 |
| Lexington | 40502 | $2,696 |
| Villa Hills | 41017 | $2,696 |
Kentucky homeowners insurance rates by county
Home insurance rates in Kentucky vary by county. Take a look at the average rates by county in Kentucky below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adair | $3,666 | $305 |
| Allen | $3,707 | $309 |
| Anderson | $3,205 | $267 |
| Ballard | $5,072 | $423 |
| Barren | $3,633 | $303 |
| Bath | $3,873 | $323 |
| Bell | $4,255 | $355 |
| Boone | $2,864 | $239 |
| Bourbon | $3,034 | $253 |
| Boyd | $3,072 | $256 |
| Boyle | $3,320 | $277 |
| Bracken | $3,132 | $261 |
| Breathitt | $4,830 | $403 |
| Breckinridge | $4,499 | $375 |
| Bullitt | $3,419 | $285 |
| Butler | $4,614 | $384 |
| Caldwell | $4,739 | $395 |
| Calloway | $5,151 | $429 |
| Campbell | $2,778 | $232 |
| Carlisle | $4,627 | $386 |
| Carroll | $3,399 | $283 |
| Carter | $3,432 | $286 |
| Casey | $3,481 | $290 |
| Christian | $3,745 | $312 |
| Clark | $2,932 | $244 |
| Clay | $4,867 | $406 |
| Clinton | $3,780 | $315 |
| Crittenden | $4,382 | $365 |
| Cumberland | $3,582 | $298 |
| Daviess | $3,380 | $282 |
| Edmonson | $3,930 | $327 |
| Elliott | $3,727 | $311 |
| Estill | $3,615 | $301 |
| Fayette | $2,784 | $232 |
| Fleming | $3,700 | $308 |
| Floyd | $4,579 | $382 |
| Franklin | $3,124 | $260 |
| Fulton | $6,199 | $517 |
| Gallatin | $3,315 | $276 |
| Garrard | $3,161 | $263 |
| Grant | $3,176 | $265 |
| Graves | $4,616 | $385 |
| Grayson | $3,789 | $316 |
| Green | $4,037 | $336 |
| Greenup | $3,090 | $257 |
| Hancock | $4,492 | $374 |
| Hardin | $3,490 | $291 |
| Harlan | $4,198 | $350 |
| Harrison | $3,172 | $264 |
| Hart | $4,040 | $337 |
| Henderson | $4,486 | $374 |
| Henry | $3,544 | $295 |
| Hickman | $4,642 | $387 |
| Hopkins | $3,830 | $319 |
| Jackson | $3,680 | $307 |
| Jefferson | $3,487 | $291 |
| Jessamine | $2,879 | $240 |
| Johnson | $4,302 | $358 |
| Kenton | $2,789 | $232 |
| Knott | $4,674 | $389 |
| Knox | $3,535 | $295 |
| Larue | $3,701 | $308 |
| Laurel | $3,754 | $313 |
| Lawrence | $4,605 | $384 |
| Lee | $4,649 | $387 |
| Leslie | $4,720 | $393 |
| Letcher | $4,605 | $384 |
| Lewis | $3,730 | $311 |
| Lincoln | $3,416 | $285 |
| Livingston | $4,605 | $384 |
| Logan | $4,466 | $372 |
| Lyon | $4,107 | $342 |
| Madison | $2,953 | $246 |
| Magoffin | $4,801 | $400 |
| Marion | $3,369 | $281 |
| Marshall | $5,379 | $448 |
| Martin | $4,660 | $388 |
| Mason | $3,424 | $285 |
| Mccracken | $5,616 | $468 |
| Mccreary | $3,977 | $331 |
| Mclean | $4,756 | $396 |
| Meade | $4,071 | $339 |
| Menifee | $4,583 | $382 |
| Mercer | $3,109 | $259 |
| Metcalfe | $3,632 | $303 |
| Monroe | $3,762 | $314 |
| Montgomery | $3,547 | $296 |
| Morgan | $4,027 | $336 |
| Muhlenberg | $3,990 | $332 |
| Nelson | $3,366 | $281 |
| Nicholas | $3,458 | $288 |
| Ohio | $4,389 | $366 |
| Oldham | $3,310 | $276 |
| Owen | $3,287 | $274 |
| Owsley | $5,151 | $429 |
| Pendleton | $3,322 | $277 |
| Perry | $4,832 | $403 |
| Pike | $4,569 | $381 |
| Powell | $3,591 | $299 |
| Pulaski | $3,459 | $288 |
| Robertson | $3,751 | $313 |
| Rockcastle | $3,537 | $295 |
| Rowan | $3,798 | $316 |
| Russell | $3,512 | $293 |
| Scott | $2,949 | $246 |
| Shelby | $3,366 | $280 |
| Simpson | $3,663 | $305 |
| Spencer | $3,406 | $284 |
| Taylor | $3,912 | $326 |
| Todd | $4,299 | $358 |
| Trigg | $4,228 | $352 |
| Trimble | $3,452 | $288 |
| Union | $4,511 | $376 |
| Warren | $3,576 | $298 |
| Washington | $3,494 | $291 |
| Wayne | $3,676 | $306 |
| Webster | $5,314 | $443 |
| Whitley | $3,995 | $333 |
| Wolfe | $4,819 | $402 |
| Woodford | $2,981 | $248 |
Compare homeowners insurance rates by city in Kentucky
Home 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 home insurance for your specific city in Kentucky.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 81 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
