Home Renters insurance Renters insurance cost Average renters insurance cost in Kansas Average renters insurance cost in Kansas Discover the average cost of renters insurance in Kansas and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Kansas vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Kansas is $251 per year or $21 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Kansas is $251 per year or $21 per month.Allstate provides the least expensive renters insurance in Kansas at an average rate of $162 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Kansas. Average renters insurance cost in Kansas per monthIn Kansas, the average monthly cost of renters insurance is $21. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$21$1 lessPowered by:Average renters insurance cost in Kansas by companyAccording to our data, Allstate provides the most affordable renters insurance in Kansas, with an average annual rate of $162, followed by Iowa Farm bureau and State Farm.Getting quotes from multiple renters insurance companies in Kansas is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Kansas.CompanyAverage annual rateAverage monthly rateAllstate$162$14Iowa Farm bureau$175$15State Farm$176$15Shelter Insurance$221$18Nationwide$248$21Auto-Owners$277$23American Family$302$25Farmers$318$27Marysville Mutual$380$32Powered by: Renters insurance calculator in Kansas Select your state Kansas Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $238/year Estimated renters insurance rates in Kansas $20 Monthly renters insurance cost in Kansas -4% Compared to national average Get quotes Average cost of renters insurance in Kansas by coverage levelOn average, Kansas renters pay $251 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Kansas to $178 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Kansas for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$183$15$20,000 with $500 Deductible and $300,000 Liability$194$16$20,000 with $1,000 Deductible and $100,000 Liability$167$14$20,000 with $1,000 Deductible and $300,000 Liability$178$15$40,000 with $500 Deductible and $100,000 Liability$264$22$40,000 with $500 Deductible and $300,000 Liability$276$23$40,000 with $1,000 Deductible and $100,000 Liability$238$20$40,000 with $1,000 Deductible and $300,000 Liability$251$21$60,000 with $500 Deductible and $100,000 Liability$345$29$60,000 with $500 Deductible and $300,000 Liability$357$30$60,000 with $1,000 Deductible and $100,000 Liability$309$26$60,000 with $1,000 Deductible and $300,000 Liability$322$27Powered by:Average cost of renters insurance in Kansas by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Kansas.Renters insurance rates in Kansas by citySee rates in your cityOlatheOverland ParkTopekaWichitaAverage cost of renters insurance in Kansas by ZIP codeIn Kansas, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in KansasThe amount Kansas renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 66223 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $232.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Kansas.ZIP codeCityAverage annual rateAverage monthly rate66223Overland Park$232$1966030Gardner$232$1966213Overland Park$232$1966031New Century$233$1966062Olathe$233$1966221Overland Park$233$1966019Clearview City$233$1966021Edgerton$233$1966018De Soto$233$1966085Overland Park$233$19Powered by:Least affordable ZIP codes for renters insurance in Kansas67060 is the most expensive ZIP code for renters insurance in Kansas, at an average cost of $271 annually or $23 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Kansas. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate67060Haysville$271$2367211Wichita$271$2367026Clearwater$270$2367108Mount Hope$270$2367544Hoisington$269$2267526Ellinwood$269$2267515Arnold$269$2267202Wichita$269$2267831Ashland$268$2267218Wichita$268$22Powered by:Final thoughts: Average renters insurance in KansasRenters insurance is a must for Kansas renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in KansasBest and cheapest homeowners insurance companies in KansasCost of Living in Kansas in 2025How much does condo insurance cost in Kansas in 2025? 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Most Americans don’t 1/1 Related Articles How much do claims increase home insurance rates? By Les Masterson Mobile home insurance cost and coverage in 2026 By Chris Kissell Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Homeowners insurance rates by state By Jake Safane How to switch home insurance By Leslie Kasperowicz What is dwelling coverage and how much do you need? By Lena Borrelli On this page Average renters insurance cost in Kansas per monthAverage renters insurance cost in Kansas by companyAverage cost of renters insurance in Kansas by coverage levelAverage cost of renters insurance in Kansas by cityAverage cost of renters insurance in Kansas by ZIP codeFinal thoughts: Average renters insurance in Kansas ZIP Code Please enter valid ZIP See rates (844) 761-9316