Average insurance rates across 59 cities in Kentucky
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Louisville | 633,045 | $1,980 | $1,845 | $522/mo | $16/mo |
| Lexington | 322,570 | $2,024 | $1,886 | $524/mo | $17/mo |
| Bowling Green | 99,669 | $2,002 | $1,866 | $523/mo | $16/mo |
| Elizabethtown | 77,770 | $2,002 | $1,866 | $523/mo | $16/mo |
| Owensboro | 75,644 | $2,002 | $1,866 | $523/mo | $16/mo |
| Covington | 40,923 | $2,002 | $1,866 | $523/mo | $16/mo |
| Georgetown | 37,510 | $2,002 | $1,866 | $523/mo | $16/mo |
| Richmond | 34,883 | $2,002 | $1,866 | $523/mo | $16/mo |
| Florence | 32,056 | $2,002 | $1,866 | $523/mo | $16/mo |
| Nicholasville | 31,352 | $2,002 | $1,866 | $523/mo | $16/mo |
| Hopkinsville | 31,042 | $2,002 | $1,866 | $523/mo | $16/mo |
| Jeffersontown | 28,796 | $2,002 | $1,866 | $523/mo | $16/mo |
| Independence | 28,722 | $2,002 | $1,866 | $523/mo | $16/mo |
| Frankfort | 28,460 | $2,002 | $1,866 | $523/mo | $16/mo |
| Henderson | 28,166 | $2,002 | $1,866 | $523/mo | $16/mo |
Kentucky residents pay an average of $2,200 per year for home insurance and $2,050 for auto insurance. As a no-fault state, Kentucky requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 25/50/25.
Health insurance in Kentucky averages $530 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Kentucky include State Farm, Kentucky Farm Bureau, Geico.
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Policygenius The ZebraThe average home insurance cost in Kentucky is $2,200 per year. Rates range from $1,400 to $3,100 depending on home value, location, and coverage level.
Auto insurance in Kentucky averages $2,050 per year for full coverage. The state minimum coverage is 25/50/25. As a no-fault state, PIP coverage is also required.
Yes, Kentucky has above-average insurance costs, with home insurance at $2,200/yr and auto at $2,050/yr compared to national averages of $2,300 and $1,800 respectively.
Kentucky requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.