Best homeowners insurance in Olathe, KS (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Olathe.

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By

Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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Compare home insurance rates in Olathe

Compare the best cheap homeowners insurance companies in Olathe

To find the best cheap homeowners insurance in Olathe, Policygenius rated over a dozen of the largest insurance companies in Kansas across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$237

4.8 out of 5

American Family

$184

4.5 out of 5

Farmers

$187

4.5 out of 5

Nationwide

$398

4.5 out of 5

Allstate

$153

4.4 out of 5

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 home insurance rates in Olathe

How much is homeowners insurance in Olathe?

Olathe home insurance rates by ZIP code

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Olathe.

ZIP code

Average annual cost

Difference from state average (%)

66062

$2,405

-19%

66061

$2,404

-19%

Cheapest ZIP codes for home insurance in Olathe

ZIP code

Average annual cost

Difference from state average (%)

66061

$2,404

-19%

Most expensive areas for homeowners insurance in Olathe

ZIP code

Average annual cost

Difference from state average (%)

66062

$2,405

-19%

Learn more >> Home insurance rates by ZIP code

Olathe home insurance costs by coverage amount

Dwelling coverage limit

Average annual cost

$100,000

$1,174

$200,000

$1,779

$300,000

$2,405

$400,000

$3,011

$500,000

$3,629

Olathe home insurance costs by deductible amount

Deductible

Average annual cost

$500

$3,224

$1,000

$2,242

$2,000

$2,603

Cheapest homeowners insurance companies in Olathe

Company

Average annual cost

Armed Forces Insurance

$954

Auto-Owners Insurance

$1,524

Allstate

$1,839

AAA

$2,177

American Family

$2,208

Marysville Mutual Insurance

$2,218

Farmers

$2,241

Shelter Insurance

$2,451

Bremens Farmers Mutual Insurance

$2,470

State Farm

$2,840

Farm Bureau Insurance

$3,162

Nationwide

$4,775

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Cheapest home insurance in Olathe if you have poor credit

Company

Average annual cost

Armed Forces Insurance

$1,812

Marysville Mutual Insurance

$2,334

Bremens Farmers Mutual Insurance

$2,470

Allstate

$2,754

Shelter Insurance

$2,963

AAA

$3,141

American Family

$3,179

Farmers

$4,510

Farm Bureau Insurance

$4,579

State Farm

$4,879

Nationwide

$5,689

Auto-Owners Insurance

$16,548

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Cheapest home insurance in Olathe if you have an older home

Company

Average annual cost

Armed Forces Insurance

$952

Auto-Owners Insurance

$1,498

Allstate

$1,780

AAA

$2,156

Marysville Mutual Insurance

$2,218

Farmers

$2,447

Shelter Insurance

$2,451

Bremens Farmers Mutual Insurance

$2,470

American Family

$2,605

State Farm

$2,840

Farm Bureau Insurance

$3,165

Nationwide

$5,362

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Cheapest homeowners insurance in Olathe if you have a history of claims

Company

Average annual cost

Armed Forces Insurance

$1,302

Auto-Owners Insurance

$1,524

Marysville Mutual Insurance

$2,218

Bremens Farmers Mutual Insurance

$2,470

Farmers

$3,098

Allstate

$3,171

State Farm

$3,241

AAA

$3,254

Shelter Insurance

$3,667

American Family

$4,044

Farm Bureau Insurance

$5,646

Nationwide

$8,660

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Coverage options in Olathe

How to get homeowners insurance quotes in Olathe

5 steps to buying homeowners insurance in Olathe, KS

5 steps to buying homeowners insurance in Olathe, KS

  1. Placeholder text

Compare home insurance rates in Olathe

Frequently asked questions

How much is home insurance a month in Olathe, Kansas?

The average cost of insurance in Olathe is $2,405 per year, or $200 a month.

Why is homeowners insurance so expensive in Olathe?

An above-average crime rate, as well as being prone to tornadoes and flooding, contribute to the expensive home insurance rates in Olathe.

Author

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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