Average homeowners insurance cost in Kansas

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, Kansas homeowners insurance costs $4,826 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Kansas.

Key Takeaways

Homeowners insurance costs an average of $4,826 a year, based on Insure.com analysis.
Of all the ZIP codes in Kansas, 66220 has the most affordable home insurance rates at around $4,687 annually.
In Kansas, Shelter Insurance provides the most affordable home insurance at an average annual premium of $3,416.

Average home insurance cost in Kansas by coverage level

Homeowners insurance costs $4,826 a year in Kansas for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Kansas will increase to $6,201 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Kansas for dwelling coverage limits of $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

Homeowners insurance companies in Kansas determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.

If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in Kansas

Before purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.

We evaluated insurance companies in Kansas based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that American Family received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.

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

Average homeowners insurance cost by company in Kansas

Shelter Insurance offers the most affordable homeowners insurance in Kansas, at an average annual premium of $3,416, followed by State Farm and American Family.

You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.

Here 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
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

Kansas homeowners insurance rates by ZIP code

In Kansas, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.

Shop around and compare quotes from different insurance companies to find the best home insurance rates in Kansas. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.

Most affordable ZIP codes for home insurance rates in Kansas

Homeowners insurance costs in Kansas can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 66220 area has the most affordable insurance rates, at $4,687 annually or $391 monthly.

Below are the homeowners insurance rates for 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

Your ZIP code plays a significant role in determining the cost of your homeowners insurance. In Kansas, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.

In Kansas, 67868 has the highest homeowners insurance rates, at $7,155 per year.

Here, we’ve highlighted some of the most expensive ZIP codes in Kansas for homeowners 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

Home insurance rate trend in Kansas

We analyzed home insurance rate trends in Kansas and found that homeowners insurance rates experienced an overall increase of 4% or $178, from 2022 to 2023.

The following data highlights the changes in homeowners insurance rates since 2019.

2019 rates	2022 rates	2023 rates
$4,442	$4,648	$4,826

Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Kansas.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.