Key Takeaways
- Shelter has the cheapest home insurance in Kansas, with premiums averaging $184 a month.
- Marysville Mutual is a good option for cheap home insurance, too, thanks to its low rates and few customer complaints.
- The average cost of homeowners insurance in Kansas is more than twice the national average.
In this article
The cheapest home insurance providers in Kansas
Shelter is the cheapest homeowners insurance provider in Kansas, charging $2,206 a year. This is nearly half the cost of the state average home insurance premium.
Marysville Mutual is a good second option, charging $2,720 a year for a home insurance policy.
| Insurance company | Annual premium |
|---|---|
| Shelter | $2,206 |
| Marysville Mutual | $2,720 |
| State Farm | $3,425 |
| Farm Bureau | $3,740 |
| American Family | $5,227 |
| Nationwide | $7,139 |
| State average | $4,076 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
These are average rates. What you pay for home insurance for either of these companies – or the others highlighted here – may be higher or lower than these amounts.
To find a policy that offers your best price plus the coverage you need, compare home insurance quotes from several companies.
How much is home insurance in Kansas?
The average cost of home insurance in Kansas is $4,076 a year. Paid monthly, this equals $340.
This is more than double the average cost of home insurance in the U.S., which is $1,903 a year.
Several different factors determine what you pay for home insurance, including:
- Your ZIP code
- Your insurance claim history
- The age of your home
- The materials used to build your home
Your home insurance policy’s deductible amount factors into how much you pay for a home insurance policy, too. Usually, the lower your deductible, the higher your premium, and vice versa.
So, if you ever need or want to lower your home insurance premium, raise your deductible.
| Deductible amount | Annual premium |
|---|---|
| $500 | $4,561 |
| $1,000 | $4,076 |
| $1,500 | $3,843 |
| $2,000 | $3,607 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Your policy’s dwelling coverage amount also impacts your home insurance premium. Typically, the lower your dwelling coverage amount, the lower your premium, too.
| Dwelling coverage amount | Annual premium |
|---|---|
| $200,000 | $3,251 |
| $275,000 | $4,076 |
| $350,000 | $4,960 |
| $425,000 | $5,852 |
| $500,000 | $6,726 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Don’t choose a low dwelling coverage amount just to save money on your home insurance costs. If you have a mortgage, your lender will likely require you to insure it for its replacement value. You won’t be able to choose a lower amount even if you want to do so.
See how much you could save on home insurance
The best home insurance companies in Kansas
Shelter: Best rates
$2,206 a year
46% cheaper than the state average
$4,076 a year
If your goal is to get the lowest possible home insurance rate in Kansas, make sure you get a quote from Shelter. Its average rate is 19% lower than its nearest competitor in this area, Marysville Mutual.
Cheapest average home insurance rate in Kansas.
Has the cheapest rates in each of the state’s 10 largest cities.
Offers many additional coverage options, including protection from inflation, personal computer and identity fraud coverage.
NAIC Complaint Index rating is higher than it is for some of the state’s other top insurers.
Offers several home insurance discounts, but not as many as its main competitors.
American Family: Best for customer satisfaction
842 out of 1,000
0.13
J.D. Power’s customer satisfaction scores are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims. Higher scores are better than lower ones.
Highest score from the J.D. Power 2022 U.S. Home Insurance Study.
Low NAIC Complaint Index rating.
Offers numerous discounts, including multi-policy, smart home, loyalty and generational discounts.
Average annual premium is one of the highest of the companies we surveyed.
Customer service ratings for Kansas home insurance companies
American Family has the highest customer service score of Kansas’ top home insurance companies.
| Insurance company | Overall satisfaction score |
|---|---|
| American Family | 842 |
| Farm Bureau | Not included |
| Marysville Mutual | Not included |
| Nationwide | 816 |
| Shelter | Not included |
| State Farm | 829 |
| Source: J.D. Power 2022 U.S. Home Insurance Study | |
Marysville Mutual and Farm Bureau have the lowest NAIC Complaint Index ratings of the companies we surveyed. Nationwide’s rating is the highest of the group.
| Insurance company | Complaint Index rating |
|---|---|
| American Family | 0.13 |
| Farm Bureau | 0.02 |
| Marysville Mutual | 0.00 |
| Nationwide | 0.75 |
| Shelter | 0.19 |
| State Farm | 0.35 |
| Source: National Association of Insurance Commissioners (2022 data) | |
The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.
How much does home insurance cost in Kansas by city?
Homeowners in Lawrence pay the lowest average home insurance premium among Kansas’ biggest cities at $3,238 a year. Monthly, that averages out to $270.
Wichita has the highest home insurance premiums among Kansas’ 10 largest cities. Its average premium is $4,752 a year.
| City | Annual premium |
|---|---|
| Wichita | $4,752 |
| Overland Park | $3,405 |
| Kansas City | $3,364 |
| Olathe | $3,383 |
| Topeka | $3,853 |
| Lawrence | $3,238 |
| Shawnee | $3,402 |
| Lenexa | $3,399 |
| Manhattan | $3,749 |
| Salina | $4,022 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Wichita
Shelter is the cheapest home insurance company in Wichita. It charges $2,675 a year, on average.
| Insurance company | Annual premium |
|---|---|
| Shelter | $2,675 |
| Marysville Mutual | $3,051 |
| State Farm | $3,733 |
| Farm Bureau | $4,514 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Overland Park
Homeowners in Fort Wayne will also find the cheapest homeowners insurance from Shelter. Its average annual premium of $1,886 is less than half the state average.
| Insurance company | Annual premium |
|---|---|
| Shelter | $1,886 |
| Marysville Mutual | $2,235 |
| State Farm | $2,805 |
| Farm Bureau | $3,025 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Kansas City
Shelter is the cheapest homeowners insurance company in Kansas City, too. Its average premium is $1,636 a year.
| Insurance company | Annual premium |
|---|---|
| Shelter | $1,636 |
| Marysville Mutual | $2,235 |
| State Farm | $2,795 |
| Farm Bureau | $3,274 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Olathe
For affordable homeowners insurance in Olathe, go to Shelter. It charges $1,886 a year for coverage, on average.
| Insurance company | Annual premium |
|---|---|
| Shelter | $1,886 |
| Marysville Mutual | $2,235 |
| State Farm | $2,754 |
| Farm Bureau | $2,946 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Topeka
Shelter is the best source of cheap home insurance in Topeka, charging $1,962 a year, on average.
| Insurance company | Annual premium |
|---|---|
| Shelter | $1,962 |
| Marysville Mutual | $2,182 |
| State Farm | $2,916 |
| Farm Bureau | $3,511 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in Kansas by county?
Of the 10 largest counties in Kansas, Douglas homeowners pay the cheapest home insurance rate of $3,231 a year, on average.
Sedgwick County’s average home insurance rate of $4,730 a year is the highest among the state’s biggest counties.
| County | Annual premium |
|---|---|
| Johnson | $3,400 |
| Sedgwick | $4,730 |
| Shawnee | $3,848 |
| Wyandotte | $3,364 |
| Douglas | $3,231 |
| Leavenworth | $3,438 |
| Riley | $3,732 |
| Butler | $4,524 |
| Reno | $4,519 |
| Saline | $4,051 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Home insurance risks in Kansas
Severe thunderstorms and tornadoes are regular threats to Kansas homes and homeowners. Severe weather is one factor insurance companies consider when they calculate your home insurance premium. It's also a primary reason for the high cost of home insurance in Kansas.
Tornadoes
Kansas averages more than 50 tornadoes each year. 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 to cover this risk.
Flooding
Kansas’ severe thunderstorms sometimes cause flash flooding. Standard home insurance usually excludes flood damage, but you can buy flood insurance to protect your home and belongings from flooding.
Most lenders will require flood insurance if you apply for a mortgage in a high-risk flood zone. Even if it’s not required, though, you can usually still purchase it through the government-backed National Flood Insurance Program (NFIP) or certain private companies.
Frequently asked questions
The average cost of homeowners insurance in Kansas is $340 a month. That’s $4,076 a year.
You may pay more or less for home insurance in Kansas than $340 a month. This is because companies consider several factors when calculating a home insurance quote, like how old your home is and whether you’ve filed previous insurance claims.
Shelter has the cheapest homeowners rate in Kansas at an average of $184 a month.
Marysville Mutual’s average rate of $227 a month is the state’s second-cheapest offering.
Kansas law does not require the state’s homeowners to buy insurance. Most lenders do require home insurance, though, so if you have a mortgage, you’ll likely need to get it.
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 coverage (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.