Owensboro has 60,302 residents in 25,451 households. We list 14 insurance agencies in Owensboro. Here is what the local numbers say about the cover people here need.

Owensboro at a glance

14insurance agencies listed
42.6%of households rentRenters insurance
$178,900median home valueHome insurance
1972median year homes were builtRebuild cost calculator
9.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Daviess County

FEMA rates the overall natural hazard risk in Daviess County, where most Owensboro agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Kentucky
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Kentucky

Kentucky requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. A combined single limit of $60,000 is accepted instead. It also requires personal injury protection ($10,000). Kentucky is a choice state: drivers choose between no-fault and traditional at-fault cover.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Kentucky How much liability cover do you need?

Source: apps.legislature.ky.gov, limits in force since 2018-01-01. Checked 2026-10-24.

Where Owensboro agencies are

Owensboro agencies we list sit in 3 ZIP codes, mostly in Daviess County.

423017 agencies
423036 agencies
423021 agency

Questions

Insurance agencies in Owensboro

How do I find an insurance agency in Owensboro?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Owensboro?

FEMA's National Risk Index rates inland flooding risk in Daviess County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Owensboro?

42.6% of households in Owensboro rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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