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AIG tops the list of the best homeowners insurance companies in Kentucky among those surveyed. And on a scale of 1-1000, it received 830 points from J.D. Power rating. While Liberty Mutual earned 5/5 points overall and A.M Best Rating rated it ‘A’.

Between all the different companies, rates, and plans on the market, it's not easy to find the one that fits your needs. That is why we have created this guide to help you make an informed decision. We've compiled a list of some of the best homeowners insurance companies in Kentucky to help you decide which one is best for you.

Best home insurance companies in Kentucky

  • AIG
  • Liberty Mutual
  • Safeco
  • Nationwide
  • Auto-Owners

Compare best homeowners insurance companies in Kentucky

The best homeowners insurance in Kentucky is not always the most expensive. If you ask yourself, "Which homeowners insurance company should I choose?" Then it might be time to start comparing quotes from different companies and find the one that offers the best coverage for your needs.

To help you pick the right homeowners insurance company, we've compared the insurance companies using the J.D. Power's scores as well as ratings from A.M Best Rating Service. Following is a list of the best homeowners insurance companies in Kentucky.

CompanyOverall ratingJ.D power ratingA.M best rating
AIG5830 -
Liberty Mutual5806A
Safeco4810A
Nationwide4812A+
Auto-Owners4831A++
Farmers4813A
Progressive4821A+
Hartford4798A+
Erie Insurance3835A+
Allstate3829A+
USAA3882A++

Average cost of homeowners insurance in Kentucky

The average cost of homeowners insurance in Kentucky is $2,862 a year, but this number can vary depending on the type of coverage you choose and where you live. Many other factors go into determining your home insurance rates in Kentucky, including property value and local crime rates.

Average annual premiumAverage monthly premium
$2,862$238

10 Most expensive zip codes in Kentucky for homeowners insurance

You may know that the cost of homeowners insurance can vary significantly by ZIP code. The most expensive ZIP code for homeowners insurance in Kentucky is 42288. Its average annual rate is $3,300, and it's $438 more expensive than the state average of $2,862.

Home insurance rates vary depending on where you live. Besides ZIP code, other factors affect your home insurance cost, and they are-

  • Building costs in your area
  • Cost of your home’s construction and materials in your area
  • Square footage of your home
  • Crime rates in your locality
  • Risk of damage caused by certain types of disasters

Let's take a look at the most expensive ZIP codes and their average annual home insurance rates-

ZIP codeAverage annual rate
42207$2,748
42259$2,732
42285$2,711
42275$2,696
41201$2,650
42163$2,647
42638$2,644
42647$2,644
42653$2,643
41204$2,630

10 Least expensive zip codes in Kentucky for homeowners insurance

Below is a list of the ten least expensive ZIP codes for homeowners insurance in Kentucky, based on Insurance.com's rate analysis. You will find that the least expensive ZIP code for home insurance in Kentucky is 41075. Its average annual home insurance rate is $2,420. It's $442 less expensive than the state average of $2,862.

ZIP codeAverage annual rate
41075$1,799
41076$1,810
41074$1,813
41001$1,831
40505$1,832
41051$1,832
41017$1,833
41005$1,835
40502$1,836
41048$1,842

Cheap homeowners insurance in Kentucky

Liberty, Cincinnati Insurance, LM Insurance, USAA and Allstate are the top five cheapest homeowners' insurance companies in Kentucky, based on a rate analysis by Insurance.com.

While Liberty is the cheapest homeowners insurance company in Kentucky, among the carriers surveyed. Its average rate for Kentucky homeowners is $1,819 a year or $151 a month. It's $1043 less than the state average of $2,862.

But the cheapest does not always mean that it is the best. It's essential to shop around and compare rates from different insurance companies because prices vary by hundreds of dollars for the same coverage. Therefore, if you don't compare rates, you may end up paying extra for home insurance.

Insurers use different methods when deciding on your insurance premium; as a result, prices vary significantly between carriers. Therefore, get at least three quotes when you shop for insurance coverage, suggests Insurance.com's Senior Consumer Analyst Penny Gusner.

Following is a list of cheap homeowners insurance companies along with their average annual premium-

Company nameAverage annual premium
Liberty$1,819
Cincinnati Insurance$1,865
LM Insurance$1,914
USAA$2,358
Allstate$2,833
Garrison$3,691
Nationwide$3,765
State Farm$3,813
Travelers$3,833
Safeco$4,278
First Liberty$4,509
Kentucky Farm Bur Mut$4,751
Auto Owners$18,074

Home - Auto bundle discounts in Kentucky

Homeowners insurance in Kentucky may be expensive for some ZIP codes, but still, there are ways to save on your home insurance. Bundling both your home and auto insurance policies is one of the best options for considerable savings.

Nationwide offers a 32% discount when you bundle your auto and home policies, and it is the highest among the carriers surveyed. A home and auto insurance bundle from Nationwide can save you an average of $963 a year, based on Insurance.com’s rate analysis.

Here's a list of major Kentucky insurance companies that offer a discount on bundling your home and auto insurance.

Company$ Bundle average saving% Bundle average saving
Nationwide$96332%
Kentucky Farm Bur$92119%
Allstate$88137%
State Farm$75933%
State Auto$48818%
Auto Club$47916%
Travelers$44216%
Cincinnati Insurance$32118%
Auto Owners$23811%
USAA$2029%