🏠 Home insurance cost in Lexington, KY (2026)
Estimated average: $2,751 per year — +20% vs. the U.S. average of $2,300.
$2,751
Est. home insurance in Lexington
per year
$2,645
Kentucky average
$2,300
U.S. average
320,347
Population
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Lexington home insurance estimator
Estimated$1,733/year
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Lexington home insurance FAQ
How much is home insurance in Lexington, KY?
The estimated average is $2,751 per year — above the state average (+4% vs. the Kentucky average of $2,645, and +20% vs. the U.S. average).
Is home insurance more expensive in Lexington than elsewhere in Kentucky?
Lexington has about 320,347 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Lexington?
Compare at least three quotes from insurers active in Lexington, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.