Home Insurance in Kentucky — Average Cost 2026
Average home insurance in Kentucky: $1,680/year ($140/month). Kentucky ranks #31 out of 51 states — above the national average.
Average annual
$1,680
Average monthly
$140
National rank
#31
of 51 states
vs national avg
+17.6%
Kentucky vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Home insurance in Kentucky
Kentucky homeowners pay 18% above the national average for homeowners insurance. The state benefits from relatively lower natural disaster exposure compared to hurricane belt or wildfire-prone states, which contributes to more competitive rates.
Your specific premium in Kentucky will depend on your home value, year built, construction type, deductible choice, and coverage level. Comparing three or more quotes at each renewal is the most reliable way to ensure you are not overpaying.