Homeowners Insurance Kentucky

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Average Homeowners Insurance in Kentucky: $776

Median Home Price in Kentucky: $139,900

Kentucky homeowners insurance rates in December 2013 stood at an average of $776 as compared to $940 in November 2013.

Insurance Premium Saving Tips in Kentucky

  • Bundle your insurance:

    Bundling home and car insurance in Kentucky with the same provider will have approximately $78 to $116 of savings in Kentucky

  • Safety Systems:

    Having safety systems at home can save up to $136 in Kentucky

  • New Home:

    If your home was built within the past 10 years in Kentucky, you could save up to $155

  • Senior Discounts:

    Senior citizens (55 or older) in Kentucky could save approximately $155


Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under526
$50,000 to $74,999630
$75,000 to $99,999721
$100,000 to $124,999768
$125,000 to $149,999826
$150,000 to $174,999892
$175,000 to $199,999956
$200,000 to $299,9991,083
$300,000 to $399,9991,328
$400,000 to $499,9991,617
$500,000 and Over2,398

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under119
$14,000 to $19,999139
$20,000 to $25,999160
$26,000 to $31,999177
$32,000 to $37,999184
$38,000 to $43,999209
$44,000 to $49,999218
$50,000 to $74,999241
$75,000 to $99,999 309
$100,000 and Over410

Average homeowners insurance by county

CountyHome Insurance Cost
Barren County$639 to $871
Rockcastle County$627 to $852
Ohio County$629 to $855
Fayette County$670 to $908
Boone County$675 to $915
Jefferson County$664 to $899
Marion County$639 to $870
Breckinridge County$631 to $858
Pike County$624 to $845
Shelby County$670 to $913
Woodford County$679 to $927
Owen County$637 to $869
Jackson County$621 to $845
Muhlenberg County$630 to $855
Grant County$650 to $885
Mercer County$650 to $886
Scott County$668 to $908
Boyd County$638 to $866
Campbell County$663 to $898
Franklin County$660 to $896
Lincoln County$632 to $859
Wayne County$626 to $851
Nelson County$650 to $882
Mason County$638 to $869
Martin County$627 to $856
Whitley County$626 to $850
Lewis County$620 to $845
Hardin County$658 to $895
Crittenden County$626 to $855
Gallatin County$637 to $874
Russell County$632 to $859
Henry County$649 to $888
Perry County$620 to $845
Livingston County$629 to $860
Graves County$633 to $858
Greenup County$635 to $864
Monroe County$624 to $849
Jessamine County$666 to $906
Leslie County$615 to $838
Carroll County$637 to $872
Fleming County$629 to $861
Mccreary County$624 to $846
Fulton County$620 to $843
Grayson County$635 to $861
Nicholas County$630 to $858
Montgomery County$641 to $873
Metcalfe County$629 to $858
Henderson County$640 to $869
Rowan County$638 to $872
Christian County$641 to $869
Simpson County$646 to $880
Trigg County$645 to $879
Mclean County$629 to $857
Morgan County$624 to $850
Caldwell County$627 to $857
Oldham County$706 to $961
Clark County$658 to $894
Powell County$628 to $857
Logan County$634 to $861
Daviess County$644 to $873
Johnson County$628 to $854
Hancock County$634 to $864
Marshall County$641 to $871
Laurel County$637 to $867
Spencer County$670 to $913
Webster County$624 to $848
Bell County$624 to $847
Edmonson County$635 to $864
Estill County$626 to $853
Clay County$620 to $842
Lee County$618 to $843
Washington County$644 to $876
Floyd County$625 to $850
Meade County$643 to $878
Mccracken County$647 to $881
Lawrence County$626 to $855
Trimble County$644 to $881
Pendleton County$638 to $876
Hickman County$618 to $848
Breathitt County$617 to $837
Elliott County$624 to $851
Letcher County$618 to $840
Knox County$626 to $853
Carlisle County$626 to $853
Owsley County$618 to $847
Warren County$658 to $894
Garrard County$645 to $881
Knott County$620 to $842
Bourbon County$656 to $895
Wolfe County$612 to $842
Calloway County$646 to $877
Harrison County$641 to $874
Harlan County$618 to $837
Green County$626 to $852
Anderson County$654 to $890
Todd County$629 to $858
Taylor County$638 to $868
Robertson County$619 to $856
Carter County$629 to $852
Hart County$629 to $854
Union County$629 to $856
Boyle County$654 to $890
Butler County$629 to $858
Cumberland County$622 to $845
Hopkins County$632 to $858
Madison County$660 to $897
Lyon County$630 to $875
Kenton County$663 to $897
Bullitt County$662 to $898
Bracken County$635 to $861
Ballard County$635 to $865
Adair County$629 to $857
Menifee County$623 to $852
Larue County$637 to $868
Allen County$636 to $865
Pulaski County$641 to $870
Casey County$627 to $855
Magoffin County$614 to $837
Bath County$624 to $847
Clinton County$624 to $849

Home Insurance Monthly Trends

The below graph compares Kentuckys home median prices against, renters and owners home insurance average rates in Kentucky.

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