Best homeowners insurance in Kansas (2022)
Kansas home insurance costs an average of $246 a month. Kansas experiences extreme weather such as tornadoes, snow and hail quite frequently. All of these add to the risk of damage to your home, so home insurance companies raise rates in Kansas to offset potential claim payouts.
With high insurance rates being so common in Kansas, it's even more important for you to find the cheapest quote possible. We looked at the biggest home insurance companies in Kansas and compared their premiums, policy offerings and customer satisfaction trends to help you find the best home insurance at your best price.
We will cover:
How much does home insurance in Kansas cost?
Kansas home insurance costs an average of $246 a month. That's 71% higher than the national average of $144.
| Region | Average monthly rate |
|---|---|
| Kansas | $246 |
| U.S. | $144 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The high cost of home insurance in Kansas is largely due to tornadoes and heavy precipitation. Kansas is part of the Midwest's "Tornado Alley," and has the second-highest rate of tornadoes after Texas, according to the Weather Channel. Reinforcing your roof, siding, doors and windows can reduce the risk of tornado damage, and also reduce the chance of needing to file a claim after a tornado.
Kansas also gets an average of 19 inches of snow per year, according to Kansas State University. Heavy snowfall can damage your roof, and the freezing temperatures can damage your plumbing. Keeping your roof clear and making sure your plumbing has proper insulation can go a long way towards keeping you from having to file a home insurance claim.
Other factors that can affect your final home insurance premium include:
- The age of your home
- Construction materials used
- Your ZIP code
- Your home insurance history
Who has the cheapest home insurance in Kansas?
USAA has the cheapest average rate of $195 a month in Kansas, followed by American Family, with $217 a month. All other home insurance providers in Kansas have average rates above the state average of $246, with Farmers having the highest rate of $1,051 a month.
| Company | Average monthly rate |
|---|---|
| USAA | $195 |
| American Family | $217 |
| Kansas average | $246 |
| Travelers | $257 |
| State Farm | $301 |
| Allstate | $345 |
| Farm Bureau | $376 |
| Farmers | $1,051 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Best homeowners insurance companies in Kansas
After careful review, we found USAA, American Family and Travelers to be the best home insurance providers in Kansas. Here's why.
USAA: cheapest rates and best for military
USAA has the cheapest average home insurance rate of $195 a month in Kansas. Below is a table showing how USAA's rates compare in Kansas's biggest cities:
| City | Average monthly rate |
|---|---|
| Kansas City | $179 |
| Lawrence | $171 |
| Lenexa | $173 |
| Manhattan | $189 |
| Olathe | $174 |
| Overland Park | $175 |
| Salina | $202 |
| Shawnee | $176 |
| Topeka | $172 |
| Wichita | $205 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA is unique in that it only provides home insurance to military personnel and veterans, along with their families. Otherwise, American Family provides the cheapest home insurance available to all.
If you are a serving member of the Armed Forces or retired military, you could benefit from USAA's excellent customer service history. J.D. Power's 2021 U.S. Property Claims Satisfaction Study gave USAA a rating of 905 out of 1,000. The study analyzes and ranks customer satisfaction based on an insurance company's track record dealing with claim issues such as payouts and response time. While J.D. Power rates USAA in the study, it is not part of their annual ranking due to the fact that the company only provides coverage to military members. Otherwise, USAA would rank at the top.
American Family: cheap rates and best bundling discount
American Family has an average homeowners insurance rate of $217 a month in Kansas. The following table shows American Family's average home insurance rates in the most populated Kansas cities.
| City | Average monthly rate |
|---|---|
| Kansas City | $200 |
| Lawrence | $198 |
| Lenexa | $189 |
| Manhattan | $206 |
| Olathe | $186 |
| Overland Park | $187 |
| Salina | $210 |
| Shawnee | $188 |
| Topeka | $202 |
| Wichita | $225 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
American Family offers one of the best insurance bundle discounts in the industry. If you bundle your car insurance with an American Family homeowners insurance policy, you can save up to 29% on your auto insurance and 20% on home insurance.
American Family also does well with customer satisfaction. The company earned a score of 831 out of 1,000 in J.D. Power's 2021 U.S. Home Insurance Study.
Travelers: best for green homes
While Travelers' average Kansas home insurance rate of $257 a month is above the state average of $246, its policy offerings for eco-friendly homes are impressive. They include:
- Up to $10,000 reimbursement to help with costs towards green certification after rebuilding your home.
- Up to $25,000 towards debris recycling on your property with certified recycling facilities. Tree removal is not included.
- Up to 10% of the expenses covered involving rebuilding or repairing with green materials.
Cheapest home insurance in Kansas by city
The table below shows how the rates of the seven biggest home insurance providers in Kansas compare in the top 10 biggest cities. Homeowners in Lawrence enjoy the lowest average rate of $171 a month with USAA. Farmers has the highest average rate of $1,073 a month in Salina.
| City | Allstate | American Family | Farm Bureau | Farmers | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|
| Kansas City | $322 | $200 | $339 | $1,066 | $248 | $224 | $179 |
| Lawrence | $228 | $198 | $276 | $820 | $254 | $227 | $171 |
| Lenexa | $240 | $189 | $302 | $772 | $242 | $189 | $173 |
| Manhattan | $303 | $206 | $336 | $1,027 | $236 | $244 | $189 |
| Olathe | $237 | $186 | $305 | $774 | $237 | $188 | $174 |
| Overland Park | $262 | $187 | $309 | $786 | $239 | $194 | $175 |
| Salina | $385 | $210 | $354 | $1,073 | $224 | $233 | $202 |
| Shawnee | $242 | $188 | $306 | $781 | $238 | $194 | $176 |
| Topeka | $287 | $202 | $365 | $995 | $241 | $214 | $172 |
| Wichita | $377 | $225 | $494 | $940 | $331 | $302 | $205 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||||||
Methodology
We used Quadrant Information Services to generate thousands of home insurance quotes for every ZIP code in Kansas from the following providers:
- Allstate
- American Family
- Farm Bureau
- Farmers
- State Farm
- Travelers
- USAA
Our sample home used the following policy specifications:
- Dwelling coverage: $275,000
- Personal property coverage: 50% of dwelling ($137,500)
- Other structures coverage: 10% of dwelling ($27,500)
- Loss of use coverage: 20% of dwelling ($55,000)
- Liability coverage: $100,000
Coverage sets were calculated using the following deductible limits:
- $500
- $1,000
- $1,500
- $2,000
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