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.
| 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 |
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.
| 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 |
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.
Home insurance calculator
Average home insurance rates in TexasMost & 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 |
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 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 |
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 |
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.
City Annual insurance premium
Compare Kansas homeowners insurance rates with other states
Helpful home insurance tools and calculators
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