Shelter has the cheapest home insurance rates in Kansas, with an average premium of $182 a month. Travelers has the next-lowest rate, at $247 a month. Allstate is third cheapest, at $275 a month.
With even Shelter's low average premium coming in above the national average home insurance rate of $144 a month, shopping around is key to finding the best coverage at the cheapest price. Use this guide to compare the offerings of Kansas's most popular home insurers and choose the best policy for you.
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Cheapest home insurance providers in Kansas
Shelter is the cheapest homeowners insurance company in Kansas, with an average rate of $182 a month. It's followed by Travelers at $247 a month, and Allstate at $275 a month.
| Company | Average monthly rate | ||
|---|---|---|---|
| Shelter | $182 | ||
| Travelers | $247 | ||
| Allstate | $275 | ||
| State Farm | $275 | ||
| Farm Bureau | $310 | ||
| American Family | $420 | ||
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
How much is home insurance in Kansas?
Kansas's average homeowners insurance premium is $275 a month. That's 91% higher than the average national home insurance rate of $144 a month.
Home insurance costs so much in Kansas largely due to extreme weather. The state sees frequent tornadoes, snowstorms and hailstorms that can seriously damage a house, considerably raising the chance of filing a claim.
Besides weather, there are other factors that home insurance companies consider when calculating your rate. These include:
- The age of your home
- Construction materials used
- Your ZIP code
- Your personal insurance history
It's important to compare quotes from several companies when looking for home insurance because each carrier weighs these factors differently. For example, one company may consider your ZIP code riskier for crime than another provider. This could lead to a higher rate for the same coverage.
Compare quotes from Kansas' cheapest home insurance companies
Another important factor that affects your rate is the deductible you choose. In general, the higher your deductible, the lower your premium.
Best home insurance companies in Kansas
Shelter, Travelers and Allstate are the best choices for home insurance in our study. Here's why:
Shelter: best rate
Shelter's average homeowners insurance rate in Kansas is $182 a month. That's 34% cheaper than the state average of $275.
Shelter also has excellent customer satisfaction ratings, with a 0.58 rating in the National Association of Insurance Commissioners' (NAIC) Complaint Index. The index reflects the number of complaints an insurer receives from policyholders regarding claim-related issues. The lower an insurer's Complaint Index, the better. Shelter's score falls well below the National Complaint Index of 1.0.
Travelers: best for green homes
Travelers' average home insurance rate in Kansas is $247 a month. The company also has the best policy packages if you have an eco-friendly house or are planning to go green. These benefits include:
- Up to $1,000 reimbursement to certify or recertify a home when filing a claim to meet green certification criteria.
- Up to $10,000 reimbursement to certify a green home if you're rebuilding after a claim.
- Up to $25,000 to recycle debris, excluding trees, on your property after a claim.
- If your home is LEED certified, you could save up to 5% on your premium.
Allstate: best discounts
Allstate has an average homeowners insurance rate of $275 a month in Kansas. While that's higher than Shelter, Allstate offers a variety of discounts that may reduce your annual premium. They include:
- Multi-policy discount: Save up to 25% if you bundle home insurance with an Allstate auto policy.
- Claim-free discount: If you switch to Allstate without a recent home insurance claim, you can save up to 20%.
- Early signing discount: Save up to 10% on home insurance if you sign up for a new policy with Allstate at least seven days before your current policy expires.
- Easy pay discount: Setting up automatic payments can save you 5%.
- Welcome and loyalty discount: Switching to Allstate can save you 10% on your home insurance. The discount is active for the duration of your policy.
Cheapest home insurance in Kansas by city and county
Kansas City enjoys the cheapest home insurance rates among Kansas's biggest cities with Shelter, at $135 a month. Lawrence has the next most affordable rate of $139 a month, also with Shelter. Lenexa, Olathe, Overland Park and Shawnee all share third place for cheap home insurance with Shelter, at $156 a month.
| City | Allstate | Shelter | Travelers |
|---|---|---|---|
| Kansas City | $295 | $135 | $216 |
| Lawrence | $216 | $139 | $218 |
| Lenexa | $215 | $156 | $181 |
| Lenora | $319 | $216 | $205 |
| Manhattan | $241 | $160 | $235 |
| Olathe | $215 | $156 | $181 |
| Olmitz | $319 | $216 | $316 |
| Overland Park | $215 | $156 | $187 |
| Salina | $241 | $157 | $224 |
| Shawnee | $215 | $156 | $186 |
| Topeka | $230 | $160 | $206 |
| Wichita | $337 | $221 | $289 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Douglas County and Wyandotte County have the cheapest home insurance of all Kansas counties with Shelter, at $135 a month. Johnson County has the second-lowest rate of $156 a month with Shelter. Saline County comes in third with Shelter, at $157 a month.
| County | Allstate | Shelter | Travelers |
|---|---|---|---|
| Butler | $337 | $190 | $300 |
| Douglas | $215 | $135 | $214 |
| Johnson | $215 | $156 | $187 |
| Leavenworth | $230 | $181 | $204 |
| Reno | $316 | $190 | $278 |
| Riley | $241 | $160 | $235 |
| Saline | $241 | $157 | $237 |
| Sedgwick | $337 | $221 | $288 |
| Shawnee | $230 | $160 | $203 |
| Wyandotte | $295 | $135 | $214 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Home insurance risks in Kansas
Tornadoes and snow are regular threats to homes in Kansas. Severe weather is one factor insurers consider when they offer you a home insurance quote. It's also a primary reason for the high average home insurance rates in Kansas.
Tornadoes
According to the National Weather Service, Kansas comes in third for most tornadoes in the U.S. A tornado can cause untold amounts of damage to a house, and even result in complete destruction. Home insurance companies typically raise rates in areas with frequent tornadoes in order to cover their own risk.
Snow
In January 2022, Kansas saw 27 inches of snow in some parts of the state, well above the 15.42-inch average, according to World Population Review. Heavy snowfall can seriously damage your roof and cause pipes to burst. To avoid this, keep your roof clear of snow and make sure your water pipes are properly insulated.
Methodology
We collected quotes from every ZIP code in Kansas for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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