Best and cheapest home insurance in Kansas for 2024

Average home insurance cost in Kansas

The average cost of homeowners insurance in Kansas is $4,843 a year or $404 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Kansas homeowners insurance companies to get the best deal.

Best home insurance companies in Kansas

The best home insurance company in Kansas is State Farm, followed by American Family and Farmers.

Below is a full list of the top Kansas insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Best home insurance companies in Kansas
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm	A++	0.83	4.82	$3,611
American Family	A	0.8	3.99	$3,751
Farmers	A	0.67	3.39	$4,811
Allstate	A+	1.46	3.28	$4,188
Nationwide	A+	1.05	3.04	$7,395

Data updated in 2024

Cheapest home insurance companies in Kansas

Below are Kansas home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Shelter Insurance has the most affordable rates in most coverage levels.

Cheapest home insurance rates in Kansas by coverage level
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Shelter Insurance	$2,364	$3,428	$4,503	$6,709	$10,965
State Farm	$2,784	$3,611	$4,342	$6,056	$9,140
American Family	$3,064	$3,751	$4,415	$5,578	$7,650
Allstate	$3,365	$4,188	$4,767	$5,759	$7,826
Iowa Farm bureau	$3,080	$4,197	$5,231	$7,241	$11,605
Farmers	$3,853	$4,811	$6,655	$9,624	$17,627
Nationwide	$5,170	$7,395	$9,705	$14,316	$23,738

Data updated in 2024

Kansas home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Kansas to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Kansas Insurance Department says...

Underwriting guidelines are the standards and rules insurance companies use to decide whether to offer or renew insurance coverage. An insurance company may decline your application or renewal for coverage if you or your property does not meet the company's underwriting guidelines.
Each company has its own underwriting guidelines, which are not filed with the Kansas Insurance Department, but common factors are: condition of your home, leaky or poorly maintained roof, poor upkeep and maintenance, number of claims in the past seven to ten years, personal credit history - in compliance with federal guidelines.

- The Kansas Insurance Department

The most expensive ZIP codes in Kansas for home insurance

Kansas homeowners insurance rates are the most expensive for ZIP code 67868 with an average annual cost of $5,839.

The most expensive ZIP codes in Kansas are:

ZIP code	Average annual rate
67868	$5,839
67134	$5,683
67545	$5,676
67057	$5,635
67143	$5,630
67028	$5,622

Data updated in 2024

The least expensive ZIP codes in Kansas for home insurance

The cheapest ZIP codes for home insurance in Kansas are:

ZIP code	Avg annual rate
66030	$3,899
66019	$3,904
66045	$3,916
66025	$3,921
66046	$3,924
66047	$3,928

Data updated in 2024

Kansas homeowners insurance rates by county

County	Average annual premium	Average monthly premium
Allen	$4,576	$381
Anderson	$4,499	$375
Atchison	$4,235	$353
Barber	$5,529	$461
Barton	$5,439	$453
Bourbon	$4,446	$371
Brown	$4,269	$356
Butler	$5,066	$422
Chase	$4,781	$398
Chautauqua	$4,870	$406
Cherokee	$4,501	$375
Cheyenne	$4,965	$414
Clark	$5,398	$450
Clay	$4,746	$395
Cloud	$4,846	$404
Coffey	$4,692	$391
Comanche	$5,453	$454
Cowley	$5,103	$425
Crawford	$4,487	$374
Decatur	$5,219	$435
Dickinson	$4,793	$399
Doniphan	$4,170	$348
Douglas	$3,950	$329
Edwards	$5,473	$456
Elk	$4,882	$407
Ellis	$5,341	$445
Ellsworth	$4,983	$415
Finney	$5,541	$462
Ford	$5,457	$455
Franklin	$4,163	$347
Geary	$4,679	$390
Gove	$5,197	$433
Graham	$5,242	$437
Grant	$5,323	$444
Gray	$5,501	$458
Greeley	$4,968	$414
Greenwood	$4,893	$408
Hamilton	$5,191	$433
Harper	$5,208	$434
Harvey	$5,059	$422
Haskell	$5,430	$452
Hodgeman	$5,466	$455
Jackson	$4,446	$371
Jefferson	$4,263	$355
Jewell	$4,842	$403
Johnson	$4,006	$334
Kearny	$5,377	$448
Kingman	$5,239	$437
Kiowa	$5,491	$458
Labette	$4,625	$385
Lane	$5,281	$440
Leavenworth	$4,178	$348
Lincoln	$4,920	$410
Linn	$4,273	$356
Logan	$5,130	$428
Lyon	$4,690	$391
Marion	$4,756	$396
Marshall	$4,626	$386
Mcpherson	$4,841	$403
Meade	$5,424	$452
Miami	$4,092	$341
Mitchell	$4,900	$408
Montgomery	$4,812	$401
Morris	$4,745	$395
Morton	$5,253	$438
Nemaha	$4,465	$372
Neosho	$4,581	$382
Ness	$5,362	$447
Norton	$5,278	$440
Osage	$4,439	$370
Osborne	$5,288	$441
Ottawa	$4,907	$409
Pawnee	$5,486	$457
Phillips	$5,174	$431
Pottawatomie	$4,584	$382
Pratt	$5,588	$466
Rawlins	$5,016	$418
Reno	$5,186	$432
Republic	$4,775	$398
Rice	$4,954	$413
Riley	$4,717	$393
Rooks	$5,249	$437
Rush	$5,353	$446
Russell	$5,368	$447
Saline	$4,813	$401
Scott	$5,228	$436
Sedgwick	$5,307	$442
Seward	$5,432	$453
Shawnee	$4,488	$374
Sheridan	$5,103	$425
Sherman	$5,131	$428
Smith	$5,273	$439
Stafford	$5,574	$465
Stanton	$5,271	$439
Stevens	$5,376	$448
Sumner	$5,164	$430
Thomas	$5,116	$426
Trego	$5,274	$440
Wabaunsee	$4,643	$387
Wallace	$5,126	$427
Washington	$4,729	$394
Wichita	$5,209	$434
Wilson	$4,802	$400
Woodson	$4,766	$397
Wyandotte	$4,120	$343

Data updated in 2024

Compare homeowners insurance rates by city in Kansas

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Kansas.