Short answer: home insurance in Owensboro, KY 42304 depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
ZIP 42304 · Owensboro, KY · Daviess County
Kentucky statewide average: ~$1,359/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 42304?
Rates in 42304 (Owensboro, KY) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 42304 in Owensboro?
Yes — 42304 is in Owensboro, Daviess County, KY.
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