Average renters insurance cost in Kansas

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Renters in Kansas pay an average of $254 per year, or $21 per month for renters insurance. This is based on a standard policy covering $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – a reasonable baseline for most renters.

What you actually pay will depend on your coverage amount, which insurer you choose, and personal details like your ZIP code, claims history, and in some states, your credit score.

How much does renters insurance cost in Kansas?

Renters insurance in Kansas costs an average of $21 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Kansas: Where to start

The average cost of renters insurance in Kansas is $254 per year, or $21 per month for a standard policy
For the most affordable option, Allstate offers the lowest average rates in Kansas at around $162 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

Which companies offer the cheapest renters insurance in Kansas?

Among insurers operating in Kansas, Allstate has the lowest average annual premium at $162. Iowa Farm Bureau and State Farm are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various insurers in Kansas.

Company	Average annual rate	Average monthly rate
Allstate	$162	$14
Iowa Farm Bureau	$169	$14
State Farm	$175	$15
Shelter Insurance	$235	$20
Nationwide	$245	$20
Auto-Owners	$268	$22
American Family	$316	$26
Farmers	$318	$27
Marysville Mutual	$403	$34

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

Renters insurance calculator in Kansas

$241/year

Estimated renters insurance rates in Kansas

$20

Monthly renters insurance cost in Kansas

-11%

Compared to national average

How much does renters insurance cost by coverage level in Kansas?

The average annual renters insurance premium in Kansas is $254, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $181. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in Kansas at both the $20,000 and $40,000 personal property coverage levels.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$184	$15
$20,000 with $500 Deductible and $300,000 Liability	$196	$16
$20,000 with $1,000 Deductible and $100,000 Liability	$169	$14
$20,000 with $1,000 Deductible and $300,000 Liability	$181	$15
$40,000 with $500 Deductible and $100,000 Liability	$266	$22
$40,000 with $500 Deductible and $300,000 Liability	$279	$23
$40,000 with $1,000 Deductible and $100,000 Liability	$241	$20
$40,000 with $1,000 Deductible and $300,000 Liability	$254	$21
$60,000 with $500 Deductible and $100,000 Liability	$346	$29
$60,000 with $500 Deductible and $300,000 Liability	$360	$30
$60,000 with $1,000 Deductible and $100,000 Liability	$312	$26
$60,000 with $1,000 Deductible and $300,000 Liability	$326	$27

People also ask: How much renters insurance coverage do I need?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

How much does renters insurance cost by city in Kansas?

Renters insurance rates in Kansas aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in Kansas.

Renters insurance rates in Kansas by city

See rates in your city

Does your ZIP code affect renters insurance rates in Kansas?

Your ZIP code is one of the most significant factors in how insurers price your policy. Areas with higher rates of theft, more frequent weather events, or a greater number of past claims tend to see higher premiums – even for the same level of coverage.

In Kansas, annual rates range from roughly $236 in 66030 to $273 in 67518. Below are the cheapest and most expensive ZIP codes for renters insurance in Kansas.

Why your ZIP code affects renters insurance costs

Insurers use neighborhood-level risk data when calculating your premium, which means rates can differ significantly from one ZIP code to the next.

Key factors include:

Theft and vandalism rates in your area
Exposure to weather risks like hurricanes, wildfires, or flooding
Historical fire claims and local rebuilding costs

Even shifting a few ZIP codes can change what you pay each month.

What are the most affordable ZIP codes for renters insurance in Kansas

66030 has the lowest average annual renters insurance cost at $236.

Areas with fewer theft incidents and lower weather-related claim activity tend to have more affordable premiums overall.

ZIP code	City	Average annual rate	Average monthly rate
66030	Gardner	$236	$20
66223	Overland Park	$236	$20
66019	Clearview City	$237	$20
66018	De Soto	$237	$20
66021	Edgerton	$237	$20
66031	New Century	$237	$20
66062	Olathe	$237	$20
66085	Stilwell	$237	$20
66025	Eudora	$238	$20
66047	Lawrence	$238	$20

What are the least affordable ZIP codes for renters insurance in Kansas

At the other end of the spectrum, 67518 has the highest average renters insurance cost in Kansas, at $273 per year or $23 per month.

Below are average annual rates across all ZIP codes in Kansas, based on quotes from major providers.

ZIP code	City	Average annual rate	Average monthly rate
67518	Beeler	$273	$23
67544	Hoisington	$273	$23
67515	Arnold	$272	$23
67516	Bazine	$272	$23
67525	Claflin	$272	$23
67526	Ellinwood	$272	$23
67559	Nekoma	$272	$23
67564	Olmitz	$272	$23
67575	Rush Center	$272	$23
67831	Ashland	$271	$23

How to lower your renters insurance, even in a high-cost ZIP code

Get quotes from at least 3 insurers – rates for identical coverage can differ by $100 or more within the same ZIP code
Bundle your renters and auto insurance to cut 5% to 15% off your premium
Ask about discounts for safety features like smoke detectors, deadbolts, security systems, or smart home devices
Raise your deductible from $500 to $1,000 – this alone can reduce your premium by around 10%
If you haven’t filed a claim in 3 or more years, ask about a claims-free discount

Is renters insurance worth it in Kansas?

For the vast majority of renters in Kansas, a renters insurance policy is a smart financial decision. It covers your personal belongings against fire, theft, vandalism, and certain disasters, and provides liability protection if a guest is injured in your home.

Data from the US Department of Commerce, US Census Bureau, and American Community Survey shows that roughly 48% of renter households in the US spend more than 30% of their income on housing costs – which means every recurring expense, including insurance, deserves careful consideration.

The best approach is to compare policies rather than just prices. Coverage quality, deductibles, and customer service all factor into whether a policy is actually good value. Paying a little more for stronger coverage often makes sense when it’s time to file a claim.

Frequently asked questions

What does renters insurance actually cover?

A standard renters insurance policy covers personal belongings, liability, and additional living expenses if your rental becomes unlivable. It protects against losses from events like fire, theft, and vandalism, and can cover legal or medical costs if someone is hurt on your property. Always check the specific limits and exclusions in any policy you’re considering.

Do I really need renters insurance in Kansas?

While renters insurance isn’t legally required in most cases, it provides real financial protection that’s hard to replicate otherwise. Even a basic policy can cover thousands of dollars in losses from theft, fire, or accidental damage – costs that would otherwise come straight out of pocket. Many landlords in Kansas also make renters insurance a condition of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

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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.