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.
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.
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 |
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 |
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 |
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 |
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
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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
Managing Editor & Licensed Home Insurance Expert
Pat Howard is a licensed insurance expert and former 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.
Questions about this page? Email us at editorial@policygenius.com.
