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 Alaska
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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
Data updated in 2024

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
Data updated in 2024

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 Texas
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024
Read our methodology

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 Insurance

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
Data updated in 2024

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
Data updated in 2024

Compare Kentucky homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
California
$1,380/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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