Average home insurance cost in Kentucky

The average cost of homeowners insurance in Kentucky is $3,326 a year or $277 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 Auto-Owners, followed by State Farm and Nationwide. 

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.

Best home insurance companies in Kentucky
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Auto-OwnersA++0.374.78$3,129
State FarmA++0.834.61$2,727
NationwideA+1.054.12$3,273
Automobile Club MI (AAA)A0.293.84$3,434
ProgressiveA+2.713.11$2,297

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 Cincinnati Insurance has the most affordable rates in most categories. 

Cheapest home insurance rates in Kentucky by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
Cincinnati Insurance$1,641$2,248$2,825$3,916$5,899
Progressive$1,793$2,297$2,764$4,157$6,205
State Farm$2,141$2,727$3,319$4,577$6,845
Westfield Insurance$2,656$2,989$3,290$3,843$4,769
Auto-Owners$2,516$3,129$3,838$5,417$10,242
Nationwide$2,635$3,273$4,359$6,842$11,930
Automobile Club MI (AAA)$2,078$3,434$4,850$7,724$12,639
Grange Mutual$2,878$3,767$4,682$6,219$9,359
Kentucky Farm Bureau$4,038$6,071$8,288$12,586$20,671

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

Average home insurance rates in Florida
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
$1,000
$1,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for homeowners insurance in Florida

Most expensive

ZIP CodeCityHighest Rate
33154Bal Harbour$10,371
33149Key Biscayne$10,326
33160Aventura$10,308
33070Islamorada Village of Islands$10,305

Least expensive

ZIP CodeCityLowest Rate
32307Tallahassee$1,805
32306Tallahassee$1,805
32313Tallahassee$1,805
32308Tallahassee$1,806
Data refreshed as of Mar 2024

The most expensive ZIP codes in Kentucky for home insurance

Kentucky homeowners insurance rates are the most expensive for ZIP code 42083 with an average annual cost of $4,298.

The most expensive ZIP codes in Kentucky are:

ZIP codeAverage annual Premium
42083$4,298
42041$4,227
42050$4,154
42021$4,077
42045$4,074
42058$4,066

The least expensive ZIP codes in Kentucky for home insurance

The cheapest ZIP codes for home insurance in Kentucky are:

ZIP codeAverage annual rate
41075$2,367
41001$2,401
40514$2,408
41042$2,408
40502$2,410
41091$2,414

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.

CityAnnual insurance premium
Bowling Green
$2,221
Covington
$1,808
Elizabethtown
$2,057
Florence
$1,694
Georgetown
$1,745
Jeffersontown
$2,050
Jeffersonville
$2,106
Lexington
$1,792
Louisville
$2,211
Nicholasville
$1,935
Owensboro
$2,075
Richmond
$1,914

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