Average homeowners insurance cost in Kansas

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Homeowners in Kansas pay an average of $4,826 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. Shelter Insurance 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

Our data puts the average homeowners insurance cost in Kansas at $4,826 per year.
Of all ZIP codes analyzed in Kansas, 66220 has the lowest average home insurance rates at around $4,687 annually.
On the insurer side, Shelter Insurance offers the most affordable average premiums in Kansas, coming in at $3,416 per year.

What is the average cost of homeowners insurance in Kansas?

The average homeowners insurance premium in Kansas is $4,826 annually for 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

The typical homeowners insurance policy in Kansas runs $4,826 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $6,201 in Kansas.

The table below outlines average annual and monthly premiums across three dwelling coverage levels: $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,624	$302
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,638	$303
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$4,826	$402
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$4,843	$404
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$6,201	$517
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$6,220	$518
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$8,781	$732
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$8,805	$734
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$14,477	$1,206
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$14,507	$1,209

Average home insurance cost in Kansas by insurer

Shelter Insurance has the lowest average homeowners insurance premiums in Kansas at $3,416 per year. State Farm and American Family also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Kansas, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Shelter Insurance	$3,416	$285
State Farm	$3,605	$300
American Family	$3,737	$311
Allstate	$4,168	$347
Iowa Farm Bureau	$4,190	$349
Nationwide	$7,382	$615
Farmers	$8,735	$728

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Kansas is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

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

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Kansas

Most affordable ZIP codes for home insurance rates in Kansas

The most affordable rates are in 66220, where homeowners pay $4,687 per year on average.

Not every area in Kansas has the same home insurance cost. How much you pay for homeowners insurance in Kansas depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Kansas.

ZIP code	Average annual rate	Average monthly rate
66220	$4,687	$391
66219	$4,703	$392
66046	$4,706	$392
66061	$4,718	$393
66218	$4,723	$394
66030	$4,736	$395
66019	$4,740	$395
66221	$4,746	$395
66044	$4,748	$396
66210	$4,760	$397

Most expensive ZIP codes for home insurance rates in Kansas

67868 has the highest rates in Kansas at an average of $7,155 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
67868	$7,155	$596
67134	$6,914	$576
67545	$6,907	$576
67841	$6,904	$575
67853	$6,876	$573
67837	$6,872	$573
67057	$6,871	$573
67143	$6,866	$572
67028	$6,859	$572
67519	$6,849	$571

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

What are the best homeowners insurance companies in Kansas?

Our data points to American Family as the best overall pick in Kansas, thanks to its AM Best rating of A and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Kansas compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
American Family	$3,737	A	0.37	5
Shelter Insurance	$3,416	A	0.42	5
Farmers	$4,775	A	0.54	4.3
State Farm	$3,605	A++	0.95	4.05
Allstate	$4,168	A+	0.9	3.88
Nationwide	$7,382	A+	0.87	2.85

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and methodology

Source

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

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

Company rankings factor in average annual cost, NAIC score, and AM Best rating. 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.