Below are our picks for the best home and auto insurance bundling companies in Kentucky:
Best Home and Auto Insurance in Kentucky
Updated: April 4, 2025
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Key Takeaways
State Farm and Nationwide are the best home and auto insurance companies in Kentucky.
Nationwide offers the best home and auto insurance discount, with savings of 26% on auto and 30% on home insurance.
Kentucky residents pay an average of $2,870 annually for home and auto insurance, about 7% less than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Kentucky?
| State Farm | 94 | $2,434 | $973 |
| Nationwide | 92 | $2,566 | $990 |
| Auto-Owners | 87 | $2,614 | $236 |
| Progressive | 72 | $3,118 | $268 |
| Allstate | 65 | $3,620 | $692 |
State Farm: Best Cheap Home and Auto Insurance in Kentucky
State Farm is the cheapest overall provider for most Kentucky residents for home and auto insurance, saving them 16% on car and 35% on home insurance. Customers can save more with State Farm's additional discounts, including programs for young drivers. State Farm ranks seventh overall for both home and auto insurance in J.D. Power's customer satisfaction ratings.
| Auto | $969 | $184 | 16% |
| Home | $1,465 | $789 | 35% |
Nationwide: Best Home and Auto Insurance Coverage Options in Kentucky
Nationwide offers the second-cheapest home and auto insurance in Kentucky, with the biggest discount for bundling. Its SmartRide program can save you up to 40% based on your driving habits and works with other discounts. Nationwide's unique offerings include disappearing deductibles, accident forgiveness and home equipment breakdown coverage.
| Auto | $1,311 | $453 | 26% |
| Home | $1,255 | $538 | 30% |
Kentucky Home and Auto Insurance Cost
Kentucky's average monthly home and auto insurance cost is $239, below the national average of $258. Monthly rates range from $203 to $302, depending on the provider.
| Kentucky home and auto insurance bundle | $2,870 | $224 | -7% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Kentucky Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Kentucky is more expensive, your quotes may differ. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| Auto-Owners | Progressive | $2,720 |
| State Farm | Progressive | $2,736 |
| State Farm | Auto-Owners | $2,864 |
| Auto-Owners | Nationwide | $2,930 |
| State Farm | Nationwide | $2,945 |
| Allstate | Progressive | $3,132 |
| Allstate | Auto-Owners | $3,261 |
| Allstate | Nationwide | $3,341 |
| Nationwide | Progressive | $3,347 |
| Auto-Owners | State Farm | $3,391 |
| Nationwide | Auto-Owners | $3,475 |
| Progressive | Auto-Owners | $3,514 |
| Progressive | Nationwide | $3,595 |
| Allstate | State Farm | $3,803 |
| Auto-Owners | Allstate | $3,900 |
| State Farm | Allstate | $3,915 |
| Nationwide | State Farm | $4,017 |
| Progressive | State Farm | $4,056 |
| Nationwide | Allstate | $4,526 |
| Progressive | Allstate | $4,565 |
Should I Bundle Home and Auto Insurance in Kentucky?
For Kentucky drivers, bundling home and auto insurance is often more affordable than buying them separately. Assess your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
Kentucky's cheapest annual home and auto insurance costs $2,720 without bundling. With bundling, it drops to $2,434. This shows bundling can save you money.
Bundling makes policy management convenient
Managing your insurance is easier when you bundle. You handle everything through one account, making it simple to track your policies.
In rare cases, it might be better not to bundle in Kentucky
Choosing separate policies might not save you more money but can offer more flexibility in coverage options.
Best Auto and Home Insurance in Kentucky: Bottom Line
State Farm and Nationwide are top choices for bundling home and auto insurance in Kentucky. Bundling can save you more money than buying each policy separately. Compare multiple quotes to find the best deal for your situation.
Home and Auto Insurance in Kentucky: FAQ
Find expert answers to common Kentucky home and auto insurance questions here:
Who has the best home and auto insurance in Kentucky?
State Farm offers the best home and auto insurance in Kentucky, while Nationwide is the top option in the state for coverage options.
Who has the cheapest home and auto insurance in Kentucky?
State Farm offers the cheapest home and auto insurance bundle in Kentucky at $2,434 annually. Customers can save $973 annually compared to the state average.
How much does home and auto insurance in Kentucky cost on average?
In Kentucky, the average annual premium for home and auto insurance bundle is $2,870 — 7% below the national average. The most affordable rate for bundling is about $2,434 a year, while the priciest can reach $3,620.
Is bundling home and auto insurance cheaper in Kentucky?
Bundling home and auto insurance is cheaper in Kentucky, based on our research. While saving money is important, having adequate coverage for potential major losses is still vital.
Best Auto and Home Insurance Bundle in Kentucky: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Kentucky Department of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Kentucky
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Kentucky
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.