🏠 Home insurance cost in Lexington, KY (2027)
Estimated average: $2,751 per year — +20% vs. the U.S. average of $2,300.
With about 320,347 residents, Lexington is a large city and the #2 largest city in Kentucky. Home insurance rates here are estimated at $2,751 per year, above the Kentucky average of $2,645 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Lexington with other Kentucky cities.
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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.