Average renters insurance cost in Kansas

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Renters insurance in Kansas costs an average of $254 per year, or $21 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in Kansas?

The average monthly cost of renters insurance in Kansas is $21 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Kansas: Where to start

Renters insurance in Kansas averages $254 per year, or $21 per month for a standard policy
If you’re looking for the lowest price, Allstate tends to offer the most competitive rates in Kansas, averaging around $162 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in Kansas?

The most affordable renters insurance in Kansas comes from Allstate, which averages $162 per year. Iowa Farm Bureau and State Farm are also competitive options for budget-conscious renters.

Keep in mind that the cheapest policy isn’t always the right one – coverage limits, deductibles, and available discounts all matter. The table below compares average annual and monthly rates from leading 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 cost of renters insurance in Kansas is $254, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $181 a year for renters insurance in Kansas. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows average annual renters insurance premiums in Kansas for personal property coverage of $20,000 and $40,000.

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?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

Renters insurance rates in Kansas by city

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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.

Does your ZIP code affect renters insurance rates in Kansas?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

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

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

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

In Kansas, your ZIP code plays a major role in determining your premiums. Based on our data, 66030 is the most affordable ZIP code for renters insurance, with an average annual cost of $236.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

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?

67518 is the most expensive ZIP code for renters insurance in Kansas, at an average cost of $273 annually or $23 monthly.

Here are the average annual renters insurance rates for every ZIP code in Kansas, based on quotes from major insurers.

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

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

Is renters insurance worth it in Kansas?

For most renters in Kansas, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Kansas?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part 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.