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Cincinnati Insurance is the best homeowners insurance company in Kentucky, based on a 2023 analysis by, with an overall rating of 5. Auto-Owners is the second-best home insurance company in Kentucky, with an overall rating of 4.56.

Cincinnati Insurance also offers the cheapest home insurance in Kentucky at $1,888 a year.

With so many options out there, it is not easy to choose a homeowners insurance company in Kentucky. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in Kentucky is $3,163 a year or $263 a month.
  • The cheapest homeowners insurance company in Kentucky is Cincinnati Insurance. It offers home insurance at an average of $1,888 a year.
  • Cincinnati Insurance also ranked as the best insurance company in Kentucky based on rates, complaints and financial stability.

Average home insurance cost in Kentucky

The average cost of homeowners insurance in Kentucky is $3,163 a year or $263 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 for 2023 is Cincinnati Insurance, followed by Auto-Owners and Westfield Insurance.

Below is a full list of the top Kentucky insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total score is calculated out of five using these factors.

Best home insurance companies in Kentucky
Insurance companyAM BestAverage annual rateNAIC Complaint score
Cincinnati InsuranceA++$1,88805
Westfield InsuranceA$2,6880.174.24
State AutoA-$3,7800.13.69
State FarmA++$3,1681.073.66
Automobile Club MI (AAA)A$3,5040.913.34
Kentucky Farm BureauA$5,2770.133.2

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 overall.

Cheapest home insurance rates in Kentucky by coverage level
Cincinnati Insurance$1,357$1,888$2,411$2,922$3,437
Automobile Club MI (AAA)$2,121$3,504$4,950$6,425$7,036
Westfield Insurance$2,388$2,688$2,958$3,222$3,457
State Farm$2,482$3,168$3,860$4,640$5,277
Grange Mutual$2,760$3,411$4,069$4,840$5,587
State Auto$2,847$3,780$4,863$5,810$6,591
Kentucky Farm Bureau$3,510$5,277$7,138$8,378$8,872

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.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

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 $4,061.

The most expensive ZIP codes in Kentucky are:

ZIP codeAverage annual rates

The least expensive ZIP codes in Kentucky for home insurance

The cheapest ZIP codes for home insurance in Kentucky are:

ZIP codeAverage annual rates
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