Best placesKentuckyHomeowners Insurance

Counties With the Cheapest Homeowners Insurance in Kentucky (2026)

Marshall has the lowest homeowners insurance of any county in Kentucky, at $1,428, followed by Henderson and Wolfe (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Kentucky

Top 25 of 120 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Kentucky
RankCountyValue
1Marshall$1,428
2Henderson$1,428
3Wolfe$1,428
4Carter$1,428
5Franklin$1,428
6Campbell$1,428
7Barren$1,428
8Bourbon$1,428
9Kenton$1,428
10Hardin$1,428
11Fayette$1,428
12Scott$1,428
13Knott$1,428
14Pike$1,428
15Carroll$1,428
16Lewis$1,428
17Trimble$1,428
18Nelson$1,428
19Rowan$1,428
20Bracken$1,428
21Rockcastle$1,428
22Larue$1,428
23Harrison$1,428
24Shelby$1,428
25Jessamine$1,428

How this ranking works

This page ranks Kentucky counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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