Updated: November 10, 2024
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The average cost of homeowners insurance in Kansas in 2024 is $3,467. The state's average is $1,044 higher than the national average of $2,423.
Aside from coverage amount, credit rating has the largest impact on premiums. In Kansas, premiums vary by up to $13,035 based on credit rating. If your rates have recently increased, we've analyzed the cheapest plans in the state that may offer more affordable options.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Nov 21, 2024
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Table of Contents
To establish the average cost of homeowners insurance in Kansas, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in Kansas as of 2024.
In Kansas, the average annual premium for homeowners insurance is $3,467 for a standard policy offering $250K in dwelling coverage, $125K in personal property and $200K liability coverage. This figure exceeds the national average home insurance rate of $2,423.
When considering how much coverage you need, it's essential to match the policy to the value of your property. For a policy with $100K dwelling coverage, the annual cost is $1,960, while a more extensive policy with $500K dwelling coverage increases the premium to $5,885.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,960 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $3,467 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $5,885 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $8,132 |
Premiums for homeowners insurance in Kansas can vary significantly by provider, even for similar levels of coverage. For instance, Auto-Owners Insurance may offer a cheaper policy than Nationwide for a similar level of home protection.
Differences in underwriting can lead to differing premium quotes, that's why when searching for the best homeowners insurance provider in Kansas, it's worth comparing them.
| Auto-Owners Insurance | $1,979 |
| Shelter | $2,412 |
| State Farm | $2,525 |
| American Family | $3,051 |
| Farm Bureau | $3,361 |
| Allstate | $3,609 |
| Farmers | $3,718 |
| Nationwide | $7,083 |
Homeowners in Kansas with poor credit ratings pay an average annual homeowners insurance premium of $15,740, a staggering $12,273 more than the state average of $3,467. his exemplifies the substantial impact of credit scores on insurance rates, as those with excellent credit pay only $2,705 annually, which is $762 less than the average.
While you may not be able to improve your credit score immediately, you can enhance it over time to lower your rates. In the meantime, compare insurers to see which will save you the most, potentially finding a more affordable option in less than 15 minutes.
| Poor | $15,740 |
| Below Fair | $7,060 |
| Fair | $4,561 |
| Good | $3,467 |
| Excellent | $2,705 |
The type of roof on your home can influence your homeowners insurance premium. In Kansas, homes with tile roofs, known for their durability, often see lower insurance costs. Conversely, homes with shake-treated roofs might experience higher premiums due to the increased risk of damage from severe weather.
Construction materials also impact insurance rates. Superior construction materials, such as non-combustible products, typically result in lower premiums. On the other hand, standard frame construction, which is less resistant to perils like fire, may lead to higher insurance costs.
Use the drop-downs in the table below to see how premiums change based on your home's materials.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,960 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $3,467 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $5,885 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $8,132 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $10,489 |
Insuring newly constructed homes in Kansas averages $1,712 annually, $1,755 less than the average for existing homes. Modern homes, with modern construction materials and more compliant with today's building standards, have cheaper premium rates. The table below illustrates the premium differences for varying coverage levels.
| Existing Construction (2000) | $3,467 |
| New Construction (2023) | $1,712 |
In Kansas, homeowners with a clean claims record for over five years can expect an average annual premium of $3,467. However, if a homeowner has filed one claim in the past five years, the average premium rises to $4,082. For those with two claims within the same timeframe, the average annual premium jumps to $4,520.
| Claim free for 5+ years | $3,467 |
| 1 claim in past 5 years | $4,082 |
| 2 claims in past 5 years | $4,520 |
In Kansas, tornadoes and strong winds are the most common natural disasters, posing significant risks to homes. While standard homeowners insurance typically covers damage from these wind-related events, homeowners insurance does not always cover flooding.
For the cities we analyzed, we found premiums ranging from $2,967 to $4,168. In Olathe, the average annual premium is $2,967, while Wichita's average is higher at $4,168. Location impacts premiums due to varying risks like weather and crime. City-based premiums are just one factor; credit rating and coverage amount also significantly impact rates.
| Kansas City | $3,186 |
| Olathe | $2,967 |
| Overland Park | $3,087 |
| Topeka | $3,392 |
| Wichita | $4,168 |
Getting a good deal on homeowners insurance in Kansas is within reach if you know what to do. Here's how to find the best deal for you.
Decide how much protection you need for your home and personal properties.
Look at different prices online to find the best deals that suit your needs.
Ask about deals for things like alarms or bundling policies. Many insurers offer reduced premiums if you are claims-free.
Pick a deductible that fits your budget.
Make sure the company has a good customer service rating and pays claims well.
Buy the insurance that's right for you and your home.
In Kansas, homeowners can often save on insurance costs by bundling their home and auto policies. On average, Kansas residents may see their premiums decrease by 16% when they opt for a multipolicy bundle. This translates to around $375 to $1,299 of annual savings. The best Kansas home and auto bundles are worth considering to take advantage of these multipolicy discounts.
Kansas homeowners can tap into several insurance discounts to lower their premiums. Here are three noteworthy discounts to consider:
Remember, to maximize your discounts, it's important to inquire during the quote process.
The cheapest insurer in Kansas is Shelter with premiums as low as $1,151 annually for $110K dwelling coverage, $50K personal property and $100K liability. For more options, visit cheap homeowners insurance.
Tornado damage, a common natural disaster in Kansas, is typically covered by homeowners insurance. But you have to consider purchasing flood insurance to protect your home and property from flooding.
Credit rating is the biggest factor affecting homeowners insurance prices in Kansas, with a difference of $13,035 between excellent and poor ratings.
Bundling in Kansas can reduce your premiums by 16% on average, with potential savings up to $1,299.
For those navigating the homeowners insurance landscape in Kansas, a variety of resources are available to assist with understanding regulations, finding affordable coverage, and estimating insurance costs. Below is a curated selection of tools and information to help Kansas homeowners make informed decisions about their insurance needs.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
