Louisville Home Insurance Costs (2026)

How much is homeowners insurance in Louisville?

Homeowners insurance in Louisville averages $292 a month for the house we priced, with rates as of Sept. 30, 2026. The 2 major insurers we compared are State Farm and ASI, and each one priced our sample home in all 30 Louisville ZIP codes in our data, in Jefferson County. For this house, Louisville is the most expensive of the 2 Kentucky cities in our data with at least 5 ZIP codes, and below the Kentucky average of $294 a month. Only 2 major insurers priced our sample home in Louisville in our data, so this average reflects just those two; local and regional insurers we didn’t price may charge more or less, so compare several quotes.

Our figures are for a $300,000 dwelling, which works out to about $11.66 a year for each $1,000 of dwelling coverage in Louisville; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Louisville average rose 7.9% since Nov. 2025, from $3,244 a year ($270 a month) on Nov. 30, 2025, to $3,499 ($292) on Sept. 30, 2026, as ASI’s rose 8.7% and State Farm’s rose 6.7%.

Homeowners insurance averages by insurer in Louisville for our sample home (rates as of Sept. 30, 2026)

State Farm averaged $243 a month ($2,915 a year) and ASI $340 ($4,083) for our sample home.

Same sample home: each insurer’s average yearly price in the same Louisville ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 2 insurers in the table priced the same 30 Louisville ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Louisville address:

• State Farm ran from $2,762 a year in 40220 to $3,179 in 40210.
• ASI ran from $3,762 a year in 40223 to $4,562 in 40203.

Who has the cheapest homeowners insurance in Louisville?

With only 2 insurers in our data for Louisville home insurance, we show both averages instead of calling one the lowest in Louisville: State Farm $243 and ASI $340 a month for our sample home. Local and regional insurers we didn’t price may charge less for home insurance, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Louisville, ZIP code averages for this house ran from $274 to $318 a month, while insurers’ Louisville averages ran from $243 to $340.

Same house, different city: how does Louisville compare?

The same sample home costs $292 a month in Louisville and $248 in Lexington, the 2 Kentucky cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Louisville, other Kentucky cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Louisville has the highest average of these Kentucky cities; Lexington, the lowest, averages $248 a month, 15.0% less for the same house.

Compared with Lexington, the Kentucky city with the most ZIP codes in our data after Louisville (11), the same house costs 17.6% more to insure in Louisville.

Across the U.S., 170 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Louisville, and 121 a higher one.

For the statewide picture, see home insurance costs in Kentucky and Lexington home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is $200 a month a lot for home insurance in Louisville?

$200 a month is less than our sample home costs in Louisville: $292 a month, the most expensive of the 2 Kentucky cities in our data with at least 5 ZIP codes. None of the 2 insurers we compared averaged under $200 for it; the lowest averaged $243. If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.

What is the 80% rule in homeowners insurance?

A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

How do wind and hail deductibles work in Louisville?

Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Louisville policies may use a separate wind and hail deductible, so ask for yours.

The Kentucky Department of Insurance has warned that some insurers now use a percentage wind and hail deductible; on a $135,000 home, 2% is $2,700.

Your wind and hail deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $3,499 a year that house averages in Louisville.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

What if an insurer won’t renew your Louisville home?

Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Kentucky Department of Insurance at 502-564-3630 (800-595-6053 toll-free in Kentucky).

If regular insurers turn you down, the Kentucky FAIR Plan offers property coverage as a last resort; a licensed agent submits the application.

In our data, every insurer we compared priced our sample home in all 30 Louisville ZIP codes.

How much is condo insurance in Louisville?

Condo insurance for our sample condo averages $36 a month ($434 a year) in Louisville. For our sample condo, prices among the 3 insurers we compared ranged from $22 to $59 a month, a $37-a-month gap for the same coverage.

Condo insurance averages by insurer in Louisville for our sample condo (rates as of Sept. 30, 2026)

Safeco averaged $22 a month ($266 a year), State Farm $27 ($329) and ASI $59 ($707) for our sample condo.

Safeco had the lowest condo average for our sample condo of the insurers anyone can buy from, $22 a month ($266 a year), 19.1% below State Farm’s $329 a year, the next of those insurers. Your unit may price differently, so get a few condo quotes.

ASI’s condo average is about 2.4 times the other insurers’ average; without it, Louisville’s condo average would be $25 a month ($298 a year).

For condo insurance, Louisville is the most expensive of the 2 Kentucky cities in our data with at least 5 ZIP codes: its average is 4.5% below the Kentucky condo average of $454 a year ($38 a month) and 9.8% below the average of the 50 states and D.C., $481 a year ($40 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 79 have a lower condo average for our sample condo than Louisville, 212 a higher one. Our sample condo’s policy costs about 12% of what our sample home costs to insure in Louisville.

For the same insurers and ZIP codes, the Louisville condo average fell 10.5% since Nov. 2025, from $40 to $36 a month, as State Farm’s fell 31.7% and the other insurers’ prices didn’t change.

By ZIP code, the Louisville condo average for our sample condo ran from $35 a month in 40220 to $38 in 40272. Of the 30 ZIP codes, 9 averaged more than the city’s $36 a month for our sample condo, 15 less and 6 the same.

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Louisville condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $36 a month in Louisville.

What to check with your HOA before you buy condo insurance

• The master policy: ask the association or manager for its certificate of insurance and declarations page.
• Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
• The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
• Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).

Official resources for Louisville homeowners

• Louisville MSD floodplain maps Property-level floodplain maps for Louisville and Jefferson County.
• National Weather Service Louisville: the Great Flood of 1937 The official look back at the 1937 Ohio River flood in Louisville.
• National Weather Service Louisville: tornadoes of April 3, 1974 The official record of the April 3, 1974 tornadoes in the Louisville area.
• Kentucky Department of Insurance Consumer help, complaints and licensed insurers. Consumer line: 502-564-3630 (800-595-6053 toll-free in Kentucky).
• Kentucky FAIR Plan Coverage when regular insurers say no.
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.