How Much Does Renters Insurance Cost in Kentucky?
Kentucky pricing is below the national average. Updated for 2024-2025.
Renters Insurance Pricing in Kentucky
In Kentucky, the average cost for renters insurance is $17 per month, which is 16% lower than the national average of $20. Most Kentucky residents pay between $8 and $29.
Kentucky benefits from a lower cost of living than many states, resulting in more affordable pricing for renters insurance. This makes it one of the more budget-friendly states for this service.
Protects belongings, provides liability coverage, and covers additional living expenses.
Kentucky vs National Average
What Affects Renters Insurance Cost in Kentucky?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
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💡 Tips to Save on Renters Insurance in Kentucky
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Kentucky Cost Trends (2020–2024)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $14 | — |
| 2021 | $15 | +7.1% |
| 2022 | $16 | +6.7% |
| 2023 | $16 | +0.0% |
| 2024 | $17 | +6.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Kentucky
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Renters Insurance Cost in Other States
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