Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Kentucky Average renters insurance cost in Kentucky Discover the average cost of renters insurance in Kentucky and how factors like location and coverage levels can impact your rate. 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. | Updated on: January 16, 2025 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. Renters insurance costs in Kentucky vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Kentucky is $207 per year or $17 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Kentucky is $207 per year or $17 per month.State Farm provides the least expensive renters insurance in Kentucky at an average rate of $199 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Kentucky. Average renters insurance cost in Kentucky per monthIn Kentucky, the average monthly cost of renters insurance is $17. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$17$5 lessAverage renters insurance cost in Kentucky by companyAccording to our data, State Farm provides the most affordable renters insurance in Kentucky, with an average annual rate of $199, followed by Auto-Owners and Progressive.Getting quotes from multiple renters insurance companies in Kentucky is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Kentucky.CompanyAverage annual rateAverage monthly rateState Farm$199$17Auto-Owners$205$17Progressive$220$18Allstate$261$22Kentucky Farm Bureau$324$27Nationwide$330$28USAA$119$10 Renters insurance calculator in Kentucky Select your state Kentucky Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $193/year Estimated renters insurance rates in Kentucky $16 Monthly renters insurance cost in Kentucky -22% Compared to national average Get quotes Average cost of renters insurance in Kentucky by coverage levelThe average annual cost of renters insurance in Kentucky is $207, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $149 a year for renters insurance in Kentucky. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Kentucky for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$150$12$20,000 with $500 Deductible and $300,000 Liability$163$14$20,000 with $1,000 Deductible and $100,000 Liability$136$11$20,000 with $1,000 Deductible and $300,000 Liability$149$12$40,000 with $500 Deductible and $100,000 Liability$212$18$40,000 with $500 Deductible and $300,000 Liability$226$19$40,000 with $1,000 Deductible and $100,000 Liability$193$16$40,000 with $1,000 Deductible and $300,000 Liability$207$17$60,000 with $500 Deductible and $100,000 Liability$270$22$60,000 with $500 Deductible and $300,000 Liability$285$24$60,000 with $1,000 Deductible and $100,000 Liability$244$20$60,000 with $1,000 Deductible and $300,000 Liability$260$22Average cost of renters insurance in Kentucky by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Kentucky.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Kentucky by cityBowling GreenCovingtonOwensboroAverage cost of renters insurance in Kentucky by ZIP codeRenters insurance costs in Kentucky vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in KentuckyThe amount Kentucky renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 41001 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $192.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Kentucky.ZIP codeCityAverage annual rateAverage monthly rate41001Alexandria$192$1641017Covington$192$1641018Edgewood$192$1641059Melbourne$192$1641075Fort Thomas$192$1641076Cold Spring$192$1641007California$193$1641015Latonia$193$1641016Covington$193$1641051Independence$193$16Least affordable ZIP codes for renters insurance in KentuckyYour ZIP code, among other factors, affects how much you pay for renters insurance in Kentucky. 40215 is the least affordable ZIP code for Kentucky renters at an average cost of $217 a year or $18 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Kentucky. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate40215Louisville$217$1840041Masonic Home$217$1842064Marion$216$18 Final thoughts: Average renters insurance in KentuckyRenters insurance is essential for residents of Kentucky. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Kentucky Average homeowners insurance cost in Kentucky Average car insurance cost in Kentucky Non-owner car insurance in Kentucky Shivani GiteContributing Writer | . .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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles How much does dog liability insurance cost and do you need it? By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Guide to off-grid home insurance By Lena Borrelli Guide to the insurance claims history report (CLUE) By Shivani Gite On this page Average renters insurance cost in Kentucky per monthAverage renters insurance cost in Kentucky by companyAverage cost of renters insurance in Kentucky by coverage levelAverage cost of renters insurance in Kentucky by cityAverage cost of renters insurance in Kentucky by ZIP codeFinal thoughts: Average renters insurance in Kentucky ZIP Code Please enter valid ZIP See rates