Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Kentucky Average homeowners insurance cost in Kentucky Homeowners insurance in Kentucky costs $3,314 per year or $276 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Kentucky is $3,314 a year. Continue reading to learn more about homeowners insurance rates in Kentucky by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $3,314 a year, based on Insure.com analysis.Of all the ZIP codes in Kentucky, 41075 has the most affordable home insurance rates at around $2,357 annually.In Kentucky, Cincinnati Insurance provides the most affordable home insurance at an average annual premium of $2,243. Average home insurance cost in Kentucky by coverage levelHomeowners insurance costs $3,314 a year in Kentucky for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Kentucky will increase to $2,287 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Kentucky for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$2,476$206200000 with 1000 Deductible and 300000 Liability and None Deductible$2,486$207300000 with 1000 Deductible and 100000 Liability and None Deductible$3,314$276300000 with 1000 Deductible and 300000 Liability and None Deductible$3,326$277400000 with 1000 Deductible and 100000 Liability and None Deductible$4,232$353400000 with 1000 Deductible and 300000 Liability and None Deductible$4,246$354600000 with 1000 Deductible and 100000 Liability and None Deductible$6,125$510600000 with 1000 Deductible and 300000 Liability and None Deductible$6,142$5121000000 with 1000 Deductible and 100000 Liability and None Deductible$9,814$8181000000 with 1000 Deductible and 300000 Liability and None Deductible$9,840$820Homeowners insurance companies in Kentucky determine rates based on risk factors. When calculating premiums, they consider your location, claims history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in KentuckyIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in Kentucky using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Kentucky. Based on the analysis, Nationwide received the lowest NAIC score and A+ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreNationwide$3,245A+0.875State Farm$2,719A++0.954.91Auto-Owners$3,114A++0.334.87Westfield Insurance$2,970A0.294.77Auto Club Group – ACG (AAA)$3,421A0.294.62Grange Insurance$3,764B++0.934.25Progressive$2,287A+8.453.81Kentucky Farm Bureau$6,065A0.543.71Average homeowners insurance cost by company in KentuckyCincinnati Insurance has the cheapest homeowners insurance rates in Kentucky. Its average annual cost for Kentucky homeowners is $2,243. Progressive and State Farm also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Kentucky with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateCincinnati Insurance$2,243$187Progressive$2,287$191State Farm$2,719$227Westfield Insurance$2,970$247Auto-Owners$3,114$260Nationwide$3,245$270Auto Club Group – ACG (AAA)$3,421$285Grange Insurance$3,764$314Kentucky Farm Bureau$6,065$505Kentucky homeowners insurance rates by ZIP codeInsurance providers in Kentucky factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Kentucky, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in KentuckyHomeowners insurance costs in Kentucky can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 41075 area has the most affordable insurance rates, at $2,357 annually or $196 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Kentucky.ZIP codeAverage annual rateAverage monthly rate41075$2,357$19641001$2,392$19940514$2,398$20040502$2,400$20041091$2,404$20041074$2,409$20141076$2,411$20140513$2,421$20241094$2,427$20240536$2,428$202Most expensive ZIP codes for home insurance rates in KentuckyYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Kentucky, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Kentucky, 42083 has the highest homeowners insurance rates, at $4,286 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Kentucky for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate42083$4,286$35742041$4,215$35142050$4,142$34542021$4,065$33942045$4,062$33942058$4,054$33842023$4,053$33841214$4,052$33842460$4,040$33742461$4,030$336Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Kentucky by cityBowling GreenCovingtonOwensboroHome insurance rate trend in KentuckyWe analyzed home insurance rate trends in Kentucky and found that homeowners insurance rates experienced an overall increase of 5% or $161, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$2,616$3,153$3,314To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Kentucky.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Kentucky Average renters insurance cost in Kentucky Average car insurance cost in Kentucky Non-owner car insurance in Kentucky How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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