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USAA tops the list of the best renters insurance companies in Kentucky with the highest J.D. Power score (893) among the carriers surveyed. But it offers policies only to military members, veterans and their families. If not eligible for renters insurance from USAA, State Farm is another good option for you. It has earned 866 scores out of 1000 from J.D. Power.

Renters Insurance provides coverage for personal property and liability protection. When it comes to choosing the best renters insurance company, there are a few factors that you should keep in mind that may help you make an informed decision. Keep on reading this guide to know more about the best renters insurance in Kentucky.

Best renters insurance companies in Kentucky

When it comes to choosing the best renters insurance company in Kentucky, you want to make sure that you are comparing apples to apples. Our experts at have compared quotes, coverage options and J.D Power score from all the major insurers in Kentucky. Below is the list of best renters insurance companies in Kentucky:

  • USAA
  • State Farm
  • Nationwide
  • Allstate
  • Liberty Mutual

Compare best renters insurance companies in Kentucky

When you are looking for the most affordable renters insurance policy in Kentucky, it is best to get quotes from different providers before you choose one. Price plays an important role, but Kentucky residents should also consider the insurance company's customer service and overall rating before deciding on the one that fits their needs.

Compare the best Kentucky renters insurance companies using their J.D Power score and average rate. 

CompanyJ.D. Power scoreAverage annual rate
State Farm866$303
Liberty Mutual823$625

How much is renters insurance in Kentucky

The average annual premium for renters insurance in Kentucky is $402, this means Kentucky residents pay an average of $34 for renters insurance monthly. These prices are for Kentucky renters who buy liability coverage of $100,000, personal property coverage of $40,000, with $1000 as deductible. 

Average annual premiumAverage monthly premium

10 Most expensive zip codes in Kentucky for renters insurance

If you're a renter in Kentucky, protecting your household contents and finances with renters insurance is a necessity. The premiums you pay for renters insurance will be determined by many factors including your zip code. 

Some areas have higher rates for renters insurance than others as crime rates and the incidence of claims in your area affect how much you pay for your policy. It's important to get quotes from several renters insurance providers before making any decision. 

We have gathered quotes from major insurers across all the zip codes and found that the most expensive zip code in Kentucky for renters insurance is 40214, and its average cost is $426 a year. 

Find below the list of the 10 most expensive zip codes in Kentucky along with their average annual renters insurance premium cost. 

ZIP codeAverage annual rate

10 Least expensive zip codes in Kentucky for renters insurance

Kentucky renters insurance rate is the least expensive for the zip code 41011, its average annual rate is $312, based on's rate analysis. 

Below is a list of the ten least expensive zip codes in Kentucky along with their average renters insurance rates. 

ZIP codeAverage annual rate

Cheap renters insurance in Kentucky by carrier

Renters insurance coverage is designed to protect a renter's personal possessions against damage or theft. When looking for cheap renters insurance in Kentucky, it is easy to be overwhelmed with the many options available. But don't worry we have got you covered, we have compared renters insurance cost from major insurance providers in Kentucky and prepared a list of cheap renters insurance companies. 

Among the carriers surveyed, Cincinnati Insurance is the cheapest renters insurance company in Kentucky. It offers insurance policies to renters at about $164 a year, on average. Find below insurance cost of other cheap renters insurance companies in Kentucky.

Company nameAverage annual premium
Cincinnati Insurance$164
Kentucky Farm Bureau$263
State Farm$292
LM Insurance$573
First Liberty$599
Auto Owners$1,442