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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.

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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

renter households, largest first

  1. Jefferson County125,774
  2. Fayette County63,922
  3. Warren County23,468
  4. Kenton County20,253
  5. Hardin County16,385
  6. Madison County13,807
  7. Daviess County13,678
  8. Christian County12,282
  9. Boone County11,748
  10. Campbell County11,365
  11. McCracken County8,890
  12. Franklin County8,034
Table view
RowValue
Jefferson County125,774
Fayette County63,922
Warren County23,468
Kenton County20,253
Hardin County16,385
Madison County13,807
Daviess County13,678
Christian County12,282
Boone County11,748
Campbell County11,365
McCracken County8,890
Franklin County8,034

By county

120 counties

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

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

Sources, citation and related pages

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The average annual renters insurance premium in Kentucky was $159 in 2022, across 568,417 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).

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

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Average annual renters insurance premium · Kentucky · 2022

$159

renter households568,417

Source: HomeCover HQ Rates Index: Kentucky

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