Home insurance cost in Kentucky
About $3,795 a year, or $316 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$3,795
a year
A month
$316
Rank
40 of 51
1 = cheapest; +52% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Iowa | $3,765 | 38 |
| Montana | $3,765 | 39 |
| Kentucky | $3,795 | 40 |
| Missouri | $3,805 | 41 |
| Colorado | $3,910 | 42 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Kentucky?
About $3,795 a year, or $316 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Kentucky expensive?
Kentucky ranks 40 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Kentucky: monthly budget · take-home pay · rent.