Renters Insurance in Kentucky — Average Cost 2026
Average renters insurance in Kentucky: $250/year ($21/month). Kentucky ranks #23 out of 51 states — below the national average.
Average annual
$250
Average monthly
$21
National rank
#23
of 51 states
vs national avg
-4.9%
Kentucky vs national average
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Renters insurance in Kentucky
Renters in Kentucky pay approximately 5% below the national average for renters insurance. At just $21/month for most renters, this is one of the most cost-effective types of insurance available. It covers personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable.
Most renters insurance policies include $100,000 in personal liability coverage — protection if a guest is injured in your apartment or if you accidentally damage a neighbor's property. Adding renters insurance to an existing auto policy typically triggers a bundling discount that can offset part of the cost.