HomeCover HQ
Get quotes

Renters and home insurance rates in Kentucky

The NAIC's published average premiums for Kentucky by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value. Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year
$159
average homeowners premium (HO-3), per year
$1,359
renter households
568,417

By county

Jefferson County125,774$1,097$237,200
Fayette County63,922$1,101$272,100
Warren County23,468$963$242,600
Kenton County20,253$1,018$227,500
Hardin County16,385$947$205,900
Madison County13,807$851$220,700
Daviess County13,678$906$185,800
Christian County12,282$999$149,200
Boone County11,748$1,253$253,200
Campbell County11,365$1,079$234,500
McCracken County8,890$861$182,900
Franklin County8,034$946$198,700
Pulaski County7,293$835$156,300
Laurel County6,794$789$143,400
Henderson County6,586$794$165,700
Barren County6,261$784$166,900
Scott County6,161$1,181$264,200
Pike County6,077$837$104,200
Jessamine County6,038$994$245,100
Boyd County6,010$839$126,300
Calloway County5,478$828$181,200
Hopkins County5,132$841$128,800
Bullitt County5,058$973$233,700
Shelby County4,632$998$277,500
Whitley County4,515$720$120,600
Nelson County4,270$932$224,100
Clark County4,259$883$197,900
Floyd County4,031$713$93,300
Knox County3,901$631$109,200
Bell County3,709$617$83,000
Montgomery County3,692$796$163,800
Boyle County3,606$770$200,700
Rowan County3,450$815$155,900
Graves County3,342$713$139,000
Taylor County3,258$691$163,700
Perry County3,141$795$90,700
Harlan County3,063$651$73,100
Woodford County3,055$1,000$270,400
Johnson County2,971$698$125,300
Meade County2,896$976$195,000
Bourbon County2,859$745$211,600
Greenup County2,846$836$135,300
Logan County2,687$719$151,500
Oldham County2,683$1,142$375,000
Simpson County2,592$1,011$195,700
Grant County2,422$855$185,500
Marshall County2,358$773$173,700
Grayson County2,324$653$160,100
Letcher County2,292$651$70,500
Wayne County2,249$666$121,700
Carter County2,235$701$126,100
Mason County2,176$724$157,500
Muhlenberg County2,156$712$121,300
Lincoln County2,154$730$139,300
Harrison County2,144$755$188,900
Anderson County2,094$870$213,200
Mercer County2,089$802$189,700
Ohio County1,962$774$113,400
Russell County1,910$660$148,200
Hart County1,899$692$124,600
Allen County1,826$750$176,300
Marion County1,724$731$158,700
Adair County1,661$775$134,800
Estill County1,631$689$111,900
Clay County1,611$698$87,300
Knott County1,590$731$74,600
Trigg County1,550$802$192,000
Rockcastle County1,517$678$119,300
Henry County1,487$871$181,300
Caldwell County1,464$724$113,500
Carroll County1,463$853$129,800
Lawrence County1,460$729$108,100
Larue County1,452$816$177,500
Union County1,449$787$109,000
McCreary County1,431$588$77,000
Powell County1,425$743$142,400
Breathitt County1,420$543$61,800
Monroe County1,412$629$116,300
Fleming County1,410$677$115,200
Pendleton County1,387$800$160,800
Breckinridge County1,375$730$141,400
Garrard County1,341$793$186,800
Casey County1,332$645$135,700
Webster County1,328$774$97,600
Bath County1,290$600$111,800
Butler County1,225$688$105,500
Todd County1,148$841$157,400
Metcalfe County1,050$549$103,100
Clinton County1,036$629$114,000
Morgan County1,033$670$106,000
Lewis County1,030$757$86,100
Green County1,030$612$118,900
Magoffin County1,025$633$88,300
Jackson County1,017$758$107,000
Washington County1,016$696$168,300
Spencer County945$954$297,600
Fulton County896$542$78,100
Gallatin County864$858$169,400
Edmonson County849$739$136,600
Crittenden County797$618$115,700
Nicholas County781$654$119,600
Martin County781$441$84,900
Wolfe County767$507$66,400
Hancock County764$752$137,600
Bracken County730$748$116,400
Leslie County681$520$74,100
McLean County679$602$145,600
Cumberland County674$553$128,600
Livingston County673$912$116,300
Menifee County653$634$111,500
Lee County651$593$82,100
Ballard County633$826$132,900
Lyon County611$809$183,600
Trimble County590$935$172,700
Owen County518$775$165,000
Owsley County478$551$79,900
Hickman County414$717$92,300
Elliott County382$427$97,400
Carlisle County349$792$104,700
Robertson County195$543$123,400

Cite or embed this figure

Cite as: "HomeCover HQ Rates Index: Kentucky", updated 2026-08-17, https://homecoverhq.com/rates/kentucky/.

Embed this figure (plain HTML, no scripts)
Average annual renters insurance premium · Kentucky · 2022

$159

renter households568,417

Source: HomeCover HQ Rates Index: Kentucky

Download the Kentucky county-level dataset (CSV), free to reuse with citation.

Get free insurance quotesCompare rates with an agent