Cheapest Homeowners Insurance in Kentucky (2025 Rates)

Kentucky homeowners have affordable options across different coverage needs. AAA offers the cheapest rates for coverage under $100K. Westfield Insurance has competitive rates for $1 million in coverage. ASI provides the lowest rates for newer homes, while Cincinnati Insurance offers the best prices for homeowners with poor credit or past claims.

AAA offers the cheapest home insurance in Kentucky for $100K dwelling coverage at $898 annually. Rates vary based on your dwelling coverage amount. Kentucky's most affordable options include:

• Cheapest for $100,000: AAA at $898 per year
• Cheapest for $250,000: Cincinnati Insurance at $1,701 per year
• Cheapest for $500,000: Westfield Insurance at $2,430 per year

Check out MoneyGeek’s table to explore cheap home insurance options and how prices change with different dwelling coverage levels.

For affordable home insurance in Kentucky, it's wise to compare quotes from multiple insurers. MoneyGeek’s home insurance calculator simplifies this, offering Kentucky quotes without needing personal details first.

High-value homes in Kentucky can find the cheapest home insurance with Westfield Insurance. With an annual premium of just $2,800 for $750K in dwelling coverage, it's the most affordable option for such homes. Higher dwelling coverage often means higher insurance costs. The more affordable options are:

• Cheapest for $750,000: Westfield Insurance at $2,800 per year
• Cheapest for $1,000,000: Westfield Insurance at $3,159 per year

We recommend homeowners consider the cost of rebuilding their home rather than its property value. See how dwelling coverage affects home insurance costs in our table of comparisons.

ASI offers the cheapest home insurance for new homes in Kentucky, averaging $317 per year for $100,000 in dwelling coverage. New homes often cost less to insure since modern materials and building methods make them stronger and safer, lowering the chance of claims.

Based on MoneyGeek’s research, here are the cheapest options for new homes in Kentucky:

• Cheapest for $100,000: ASI at $317 per year
• Cheapest for $250,000: ASI at $523 per year
• Cheapest for $500,000: ASI at $826 per year

Check MoneyGeek’s table to see how rates for newly built homes change with different dwelling coverage amounts.

In Kentucky, Cincinnati Insurance offers the most affordable home insurance for people with poor credit, averaging about $1,005 per year for $100,000 in dwelling coverage. Credit scores play an important role in setting home insurance rates since they help insurers assess financial risk.

• Cheapest for $100,000: Cincinnati Insurance at $1,005 per year
• Cheapest for $250,000: Cincinnati Insurance at $1,724 per year
• Cheapest for $500,000: Cincinnati Insurance at $2,840 per year

Poor credit has a major impact on insurance rates. On average, homeowners with poor credit pay around $5,861 yearly for $100,000 in dwelling coverage, compared to about $1,212 for those with good credit.

The most affordable home insurance in Kentucky if you've had one claim in the past five years is Cincinnati Insurance, costing $1,239 annually for $100K in dwelling coverage. Remember, homeowners with a history of claims often face higher future insurance costs.

Here are the most affordable companies for different coverage levels:

• Cheapest for $100,000: Cincinnati Insurance at $1,239 per year
• Cheapest for $250,000: Auto-Owners Insurance at $1,859 per year
• Cheapest for $500,000: Westfield Insurance at $2,524 per year

Kentucky homeowners with no claims in the past five years pay $484 less annually than those with two claims for $100K in dwelling coverage. Multiple claims increase your rates substantially. This matters in Kentucky, where natural disasters can lead to more claims.

Your home’s construction and roof materials directly affect your homeowners insurance rates. In Kentucky, a frame home with a shake-treated roof gets the lowest annual premium from Cincinnati Insurance at $925 per year. These materials are more prone to weather damage, which increases the risk of insurance claims and impacts pricing.

The cheapest options by coverage amount in Kentucky:

• Cheapest for $100,000: Cincinnati Insurance at $925 per year
• Cheapest for $250,000: Cincinnati Insurance at $1,587 per year
• Cheapest for $500,000: Westfield Insurance at $2,446 per year

Homes built with stronger materials and tile roofs generally cost less to insure because they hold up better against Kentucky’s weather. On average, these homes save about $316 a year compared to frame homes with shake-treated roofs.

Increasing your deductible can reduce your annual premium by a few hundred dollars. In Kentucky, the lowest rate for a $2,000 deductible comes from Cincinnati Insurance at $814 per year. 

For a $500 deductible, AAA offers the most affordable option at $971 per year. The list below shows the cheapest companies in Kentucky for each deductible level.

• $2,000 deductible: Cincinnati Insurance at $814 per year
• $1,500 deductible: AAA at $864 per year
• $1,000 deductible: AAA at $898 per year
• $500 deductible: AAA at $971 per year

In home insurance, a deductible is your out-of-pocket cost before insurance coverage begins. Homeowners in Kentucky can save an average of $215 per year by having a $2,000 deductible instead of a $500 one. Still, it's only best to do so if you can shell out the money if you incur damages from a covered event.

State Farm is Kentucky's most affordable home and auto insurance bundle, offering an average of $2,434 per year. By bundling home and auto insurance, providers will likely offer you a discount.

• State Farm at $2,434 per year
• Nationwide at $2,566 per year

Besides the savings, bundling enhances convenience by consolidating your policies under one insurer. You'll also simplify your insurance dealings with a single point of contact. Explore more about the best Kentucky insurance bundle to reap the benefits.

AAA is the least expensive home insurance provider in most Kentucky cities, offering rates from $643 to $895. Broad differences in expenses across cities are attributed to factors such as local building codes, crime rates and weather threats. Specifically:

• Lexington-Fayette has the lowest annual premium in Kentucky, which is $643.
• Bowling Green has the highest annual premium of $895.

It is invaluable to shop around since insurance providers account for unique factors when calculating rates for various geographical areas, leading to potential savings.