In the middle of Tornado Alley, Kansas is one of the most tornado-prone states in the country. Kansas's frequent strong storms and flooding mean it's important to have a solid home insurance policy and additional flood coverage if you live in a high-risk flood zone.
The average cost of homeowners insurance in Kansas is $2,981 per year or $248 a month, which is around 70% higher than the national average of $1,754.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Compare the best homeowners insurance companies in Kansas
According to our analysis, State Farm, American Family, Farmers, Nationwide, and Allstate are the best homeowners insurance companies in Kansas.
Policygenius analyzed thousands of quotes across the state to find the average cost of homeowners insurance from each company. We then looked at J.D. Power customer satisfaction scores, complaint data, and coverage offerings to find the best homeowners insurance in Kansas.
2024 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is one of the best home insurance companies in Kansas thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
Top-tier coverage add-ons, including extended replacement cost coverage
High customer satisfaction and financial strength ratings
Big discount for bundling home and auto coverage
Cons
No discounts for first-time homebuyers
Rates are more expensive than average in Kansas
More details
Why we chose State Farm
State Farm is one of the best home insurance companies in Kansas, especially if you want to add protection to a basic policy. With State Farm homeowners can get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.
State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.
How do State Farm home insurance rates compare to the Kansas average?
The average cost of home insurance from State Farm in Kansas is $3,634 per year, which is 22% more expensive than the statewide average.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
2024 Policygenius award winner
American Family
4.6
Offers extended replacement cost
Offers flood insurance
Bundle home & auto
Why we chose it
American Family is one of the best home insurance companies in Kansas, especially for people who want to add coverage to a basic policy. AmFam also has low rates, high customer service ratings, and several discounts.
Pros and cons
Pros
Several one-of-its-kind coverage endorsements and policy perks
High customer satisfaction and digital shopping satisfaction scores with J.D. Power
Rates are cheaper than average in Kansas
Cons
Requires you to work with an agent to purchase a policy
More details
Why we chose American Family
American Family is one of the top home insurance companies in Kansas. You can customize your American Family policy with up to 15 additional coverage options — including inland flood, equipment breakdown, and service line coverage.
American Family is cheaper than average in Kansas, and with AmFam's many discounts (including paying your premiums all at once, opting for paperless billing, and signing up for automatic payments) your premiums may be even cheaper.
How do American Family home insurance rates compare to the Kansas average?
The average annual cost of American Family home insurance in Kansas is $2,567 per year, which is 14% cheaper than the statewide average.
How to get a quote
Online with American Family or by contacting a local agent
2024 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is one of the best home insurance companies in Kansas for those who want to add coverage to their policies. Farmers also has cheaper-than-average rates, a range of discounts, and high claims satisfaction scores.
Pros and cons
Pros
Optional extended or guaranteed replacement cost dwelling coverage
Receives few complaints from policyholders and has a high claims satisfaction score
Rates are cheaper than average in Kansas
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers is one of the best home insurance companies in Kansas, especially if you want to add coverage to a basic policy. Optional coverages from Farmers include guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Farmers also has a high claims satisfaction rating on J.D. Power's Claims Satisfaction study. Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.
How do Farmers home insurance rates compare to the average in Kansas?
The average cost of Farmers home insurance in Kansas is $2,610 per year, which is 12% cheaper than the state's average annual premium.
How to get a quote
Online through Farmers
2024 Policygenius award winner
Nationwide
4.5
Bundle home & auto
Mobile app
New homebuyer discount
Offers extended replacement cost
Why we chose it
Nationwide is one of the best home insurance companies in Kansas for its top-rated customer service. Nationwide also offers a range of add-ons that you can use to personalize your coverage.
Pros and cons
Pros
Receives fewer complaints than average
Multiple high-quality coverage options
Cons
Below-average digital experience ratings
Much more expensive than average in Kansas
More details
Why we chose Nationwide
Nationwide is one of the best home insurance companies in Kansas for its great customer service. Nationwide ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022. It also gets far fewer complaints than other insurers, according to the National Association of Insurance Commissioners.
We also like Nationwide's many coverage options, including guaranteed and extended replacement cost coverages, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.
How do Nationwide home insurance rates compare to the Kansas average?
The average cost of Nationwide home insurance in Kansas is $5,147 per year, which is 73% more expensive than the annual statewide average.
How to get a quote
Online through Policygenius or Nationwide
2024 Policygenius award winner
Allstate
4.5
Bundle home & auto
Smart home discounts
Why we chose it
Allstate is one of the top home insurance companies in Kansas. While its rates are higher than average in the state, Allstate also offers a few add-ons that can make a basic policy stronger.
Pros and cons
Pros
Offers HostAdvantage for short-term rental coverage
Offers water backup protection, other endorsements
Cons
Beginning to pull back coverage in high-risk areas
Higher rates than average in Kansas
More details
Why we chose Allstate
Allstate is a top home insurance company in Kansas. We like that Allstate offers some home insurance coverages that you can add to your policy for more protection, like water backup protection, scheduled personal property coverage, and identity theft restoration coverage.
If you're looking to cover your short-term rental, Allstate's HostAdvantage is another perk. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.
How do Allstate home insurance rates compare to the Kansas average?
The annual average cost of Allstate home insurance in Kansas is $3,092 per year, which is 4% more expensive than the statewide average.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
How much is homeowners insurance in Kansas?
The average cost of homeowners insurance in Kansas is $2,981 per year, or $248 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in the Sunflower State is $1,227 more expensive than the national average per year.
Kansas homeowners insurance rates by city
We calculated the cost of home insurance in Kansas's largest cities and found that Gardner is the cheapest big city for homeowners insurance in the state, while Garden City is the most expensive.
Here’s a look at the average cost of home insurance in the 20 largest cities in Kansas.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Wichita | $272 | $3,259 | 9% |
Overland Park | $205 | $2,458 | -18% |
Kansas City | $214 | $2,567 | -14% |
Olathe | $200 | $2,405 | -19% |
Topeka | $209 | $2,502 | -16% |
Lawrence | $210 | $2,515 | -16% |
Shawnee | $203 | $2,441 | -18% |
Lenexa | $202 | $2,420 | -19% |
Manhattan | $211 | $2,537 | -15% |
Salina | $226 | $2,707 | -9% |
Hutchinson | $268 | $3,215 | 8% |
Leavenworth | $208 | $2,493 | -16% |
Leawood | $203 | $2,441 | -18% |
Garden City | $311 | $3,736 | 25% |
Dodge City | $297 | $3,558 | 19% |
Derby | $263 | $3,152 | 6% |
Gardner | $196 | $2,349 | -21% |
Emporia | $221 | $2,657 | -11% |
Prairie Village | $205 | $2,454 | -18% |
Junction City | $210 | $2,520 | -15% |
Kansas homeowners insurance rates by coverage amount
The table below highlights the average annual premium in Kansas for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.
Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.
Cheapest homeowners insurance companies in Kansas
After analyzing home insurance rates in all of the state's ZIP codes, we found that the cheapest home insurance companies in Kansas are Armed Forces Insurance, Auto-Owners Insurance, American Family, Farmers, and Marysville Mutual.
Cheapest Kansas homeowners insurance if you have poor credit
Poor credit can be bad news when it comes to home insurance rates. Insurance companies consider a bad credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim.
With an average rate of $2,176 per year, Armed Forces Insurance has the cheapest home insurance rates in Kansas for a homeowner with poor credit.
Company | Average annual cost |
|---|---|
Armed Forces Insurance | $2,176 |
Marysville Mutual Insurance | $2,871 |
Bremens Farmers Mutual Insurance | $3,015 |
Shelter Insurance | $3,489 |
American Family | $3,730 |
Allstate | $4,010 |
Farmers | $5,107 |
Farm Bureau Insurance | $5,668 |
AAA | $6,067 |
State Farm | $6,365 |
Nationwide | $6,953 |
Auto-Owners Insurance | $24,506 |
Cheapest Kansas homeowners insurance if you have an older home
It can cost a lot to insure older homes. That's because they're more prone to structural damage than new homes. Older homes are also often constructed out of materials and with features that would be expensive to replace if they were damaged.
With an average annual premium of $1,128, Armed Forces Insurance offers the cheapest home insurance rates in Kansas for an older home.
Company | Average annual cost |
|---|---|
Armed Forces Insurance | $1,128 |
Auto-Owners Insurance | $2,131 |
Marysville Mutual Insurance | $2,730 |
Farmers | $2,829 |
Shelter Insurance | $2,885 |
American Family | $2,995 |
Allstate | $2,996 |
Bremens Farmers Mutual Insurance | $3,015 |
State Farm | $3,701 |
Farm Bureau Insurance | $3,921 |
AAA | $4,159 |
Nationwide | $6,242 |
Cheapest Kansas homeowners insurance if you have a history of claims
If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.
With an average annual premium of $1,504, Armed Forces Insurance offers the cheapest home insurance rates in Kansas if you've filed three claims within a five-year period.
Company | Average annual cost |
|---|---|
Armed Forces Insurance | $1,504 |
Auto-Owners Insurance | $2,172 |
Marysville Mutual Insurance | $2,730 |
Bremens Farmers Mutual Insurance | $3,015 |
Farmers | $3,598 |
State Farm | $4,223 |
Shelter Insurance | $4,319 |
American Family | $4,730 |
Allstate | $4,862 |
Farm Bureau Insurance | $6,279 |
AAA | $6,285 |
Nationwide | $10,042 |
Coverage options in Kansas
In addition to looking at how much each insurance company charges for different coverage levels and risks, you should also know what your policy does and doesn’t cover.
When buying homeowners insurance in Kansas, you may need additional insurance to protect yourself against strong storms (including tornadoes), hail, and floods.
Windstorm insurance
Thunderstorms in Kansas can bring high winds and tornadoes. Home insurance usually covers damage from wind, and from tornadoes, but it's more complicated in Kansas and other states where there these storms are common.
Some home insurance companies in the state may charge a separate wind deductible, while others won't cover wind damage at all. If you're not covered, you would need to get a separate windstorm policy or find a company that covers wind damage.
Hail insurance
Hail may also come with Kansas's thunderstorms. Most home insurance policies do cover hail damage, along with other falling objects that can damage your property, like tree branches.
There are some exceptions in states like Kansas that experience lots of hailstorms. Some home insurance companies may charge a separate hail deductible — or may exclude coverage altogether.
Flood insurance
Homeowners insurance policies don’t cover flood damage. If you live in a part of Kansas experiences flooding, you should consider flood insurance along with your regular home insurance.
In addition to comparing home insurance quotes, homeowners in Kansas can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.
How to buy homeowners insurance in Kansas
Since the cost of homeowners insurance is based on a number of factors pertaining to your house, your location, and even your credit score, it’s important to shop around before buying a policy.
Knowing how much and what type of coverage you need can keep you from overpaying or being underinsured. Here are some steps to get you started:
Frequently asked questions
What is the average cost of homeowners insurance in Kansas?
The average cost of homeowners insurance in Kansas is $2,981 per year.
Does the age of your home affect home insurance costs?
Older homes cost more to insure because they may fall apart more easily than new homes and they often need to be brought up to modern building codes when undergoing repairs.
How can I reduce the cost of homeowners insurance?
Most insurance companies offer a variety of discounts that can bring down the cost of your premium. Choosing a higher deductible can also reduce your home insurance rate. One of the best things you can do to make sure you’re getting the most affordable rate is to shop around and compare quotes from several cmopanies.
