Average homeowners insurance cost in Kansas

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Homeowners in Kansas pay an average of $5,237 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Allstate offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Homeowners insurance costs an average of $5,237 a year, based on our data.
Of all the ZIP codes in Kansas, 66030 has the most affordable home insurance rates at around $4,054 annually.
In Kansas, Allstate provides the most affordable home insurance at an average annual premium of $3,831.

What is the average cost of homeowners insurance in Kansas?

The average homeowners insurance premium in Kansas is $5,237 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Kansas? Cost by coverage level

Homeowners insurance in Kansas costs $5,237 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $6,727 per year for homeowners insurance in Kansas for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Kansas for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,804	$317
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,823	$319
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$5,237	$436
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$5,260	$438
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$6,727	$561
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$6,753	$563
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$9,577	$798
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$9,605	$800
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$13,523	$1,127
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$13,553	$1,129

Average home insurance cost in Kansas by insurer

Allstate offers the most affordable homeowners insurance in Kansas, at an average annual premium of $3,831, followed by Farmers and State Farm.

You can save hundreds – if not thousands – of dollars each year by shopping around.

Below are the average annual and monthly insurance rates for Kansas homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$3,831	$319
Farmers	$3,940	$328
State Farm	$3,955	$330
Shelter Insurance	$3,984	$332
American Family	$6,370	$531
Nationwide	$6,633	$553
Iowa Farm Bureau	$7,880	$657

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Kansas.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Kansas?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Kansas.

Most affordable ZIP codes for home insurance in Kansas

The lowest rates in Kansas are found in 66030, where homeowners pay an average of $4,054 per year.

Where you live in Kansas has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Kansas.

ZIP code	Average annual rate	Average monthly rate
66030	$4,054	$338
66251	$4,055	$338
66220	$4,088	$341
66019	$4,093	$341
66062	$4,099	$342
66219	$4,101	$342
66209	$4,112	$343
66227	$4,113	$343
66025	$4,120	$343
66218	$4,123	$344

Most expensive ZIP codes for home insurance rates in Kansas

67209 has the highest rates in Kansas at an average of $6,650 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Kansas for home insurance:

ZIP code	Average annual rate	Average monthly rate
67209	$6,650	$554
67220	$6,636	$553
67207	$6,627	$552
67226	$6,626	$552
67214	$6,622	$552
67208	$6,620	$552
67211	$6,617	$551
67213	$6,612	$551
67203	$6,604	$550
67218	$6,595	$550

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Kansas by city

See rates in your city

Overland Park

Topeka

Wichita

How has home insurance pricing shifted in Kansas?

From 2023 to 2025, home insurance rates in Kansas increase by 14%, mirroring the broader direction of the state’s insurance market over that period.

Here’s how rates have moved year over year since 2022:

2022 rates	2023 rates	2025 rates
$4,340	$4,609	$5,237

What are the best homeowners insurance companies in Kansas?

Based on our data, Allstate stands out as a top choice in Kansas. It earns an AM Best rating of A+ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Kansas by average annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Allstate	$3,831	A+	1.26	4.37
State Farm	$3,955	A+	1.15	4.36
Shelter Insurance	$3,984	A	0.39	4.29
Farmers	$3,940	A	0.89	4.27
American Family	$6,370	A	1.07	3.94
Nationwide	$6,633	A	1.34	3.89
Iowa Farm Bureau	$7,880	A	0.48	3.76

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.