Best homeowners insurance in Kansas for 2023

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Kansas.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
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Reviewed by

Britta M. MossBritta M. MossProperty & casualty claim consultant and expert witnessBritta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms.  She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement.  She is a graduate of The Ohio State University. 

Updated|4 min read

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In the middle of Tornado Alley, Kansas is one of the most tornado-prone states in the country. Kansas's frequent strong storms and flooding mean it's important to have a solid home insurance policy and additional flood coverage if you live in a high-risk flood zone.

The average cost of homeowners insurance in Kansas is $2,981 per year or $248 a month, which is around 70% higher than the national average of $1,754.

Compare home insurance rates in Kansas

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Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare the best homeowners insurance companies in Kansas

According to our analysis, State FarmAmerican FamilyFarmers, Nationwide, and Allstate are the best homeowners insurance companies in Kansas.

Policygenius analyzed thousands of quotes across the state to find the average cost of homeowners insurance from each company. We then looked at J.D. Power customer satisfaction scores, complaint data, and coverage offerings to find the best homeowners insurance in Kansas.

Compare home insurance rates in Kansas

We don't sell your information to third parties.

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2023 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is one of the best home insurance companies in Kansas thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • High customer satisfaction and financial strength ratings

  • Big discount for bundling home and auto coverage

Cons

  • No discounts for first-time homebuyers

  • Rates are more expensive than average in Kansas

More detailschevron icon

Why we chose State Farm

State Farm is one of the best home insurance companies in Kansas, especially if you want to add protection to a basic policy. With State Farm homeowners can get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.

State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.

How do State Farm home insurance rates compare to the Kansas average?

The average cost of home insurance from State Farm in Kansas is $3,634 per year, which is 22% more expensive than the statewide average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

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2023 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family is one of the best home insurance companies in Kansas, especially for people who want to add coverage to a basic policy. AmFam also has low rates, high customer service ratings, and several discounts.

Pros and conschevron icon

Pros

  • Several one-of-its-kind coverage endorsements and policy perks

  • High customer satisfaction and digital shopping satisfaction scores with J.D. Power

  • Rates are cheaper than average in Kansas

Cons

  • Requires you to work with an agent to purchase a policy

More detailschevron icon

Why we chose American Family

American Family is one of the top home insurance companies in Kansas. You can customize your American Family policy with up to 15 additional coverage options — including inland flood, equipment breakdown, and service line coverage.

American Family is cheaper than average in Kansas, and with AmFam's many discounts (including paying your premiums all at once, opting for paperless billing, and signing up for automatic payments) your premiums may be even cheaper.

How do American Family home insurance rates compare to the Kansas average?

The average annual cost of American Family home insurance in Kansas is $2,567 per year, which is 14% cheaper than the statewide average.

How to get a quote

Online with American Family or by contacting a local agent

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2023 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Farmers is one of the best home insurance companies in Kansas for those who want to add coverage to their policies. Farmers also has cheaper-than-average rates, a range of discounts, and high claims satisfaction scores.

Pros and conschevron icon

Pros

  • Optional extended or guaranteed replacement cost dwelling coverage

  • Receives few complaints from policyholders and has a high claims satisfaction score

  • Rates are cheaper than average in Kansas

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why we chose Farmers

Farmers is one of the best home insurance companies in Kansas, especially if you want to add coverage to a basic policy. Optional coverages from Farmers include guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Farmers also has a high claims satisfaction rating on J.D. Power's Claims Satisfaction study. Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.

How do Farmers home insurance rates compare to the average in Kansas?

The average cost of Farmers home insurance in Kansas is $2,610 per year, which is 12% cheaper than the state's average annual premium.

How to get a quote

Online through Farmers

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2023 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Nationwide is one of the best home insurance companies in Kansas for its top-rated customer service. Nationwide also offers a range of add-ons that you can use to personalize your coverage.

Pros and conschevron icon

Pros

  • Receives fewer complaints than average

  • Multiple high-quality coverage options

Cons

  • Below-average digital experience ratings

  • Much more expensive than average in Kansas

More detailschevron icon

Why we chose Nationwide

Nationwide is one of the best home insurance companies in Kansas for its great customer service. Nationwide ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022. It also gets far fewer complaints than other insurers, according to the National Association of Insurance Commissioners.

We also like Nationwide's many coverage options, including guaranteed and extended replacement cost coverages, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.

How do Nationwide home insurance rates compare to the Kansas average?

The average cost of Nationwide home insurance in Kansas is $5,147 per year, which is 73% more expensive than the annual statewide average.

How to get a quote

Online through Policygenius or Nationwide

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2023 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Allstate is one of the top home insurance companies in Kansas. While its rates are higher than average in the state, Allstate also offers a few add-ons that can make a basic policy stronger.

Pros and conschevron icon

Pros

  • Offers HostAdvantage for short-term rental coverage

  • Offers water backup protection, other endorsements

Cons

  • Beginning to pull back coverage in high-risk areas

  • Higher rates than average in Kansas

More detailschevron icon

Why we chose Allstate

Allstate is a top home insurance company in Kansas. We like that Allstate offers some home insurance coverages that you can add to your policy for more protection, like water backup protection, scheduled personal property coverage, and identity theft restoration coverage.

If you're looking to cover your short-term rental, Allstate's HostAdvantage is another perk. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.

How do Allstate home insurance rates compare to the Kansas average?

The annual average cost of Allstate home insurance in Kansas is $3,092 per year, which is 4% more expensive than the statewide average.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

How much is homeowners insurance in Kansas?

The average cost of homeowners insurance in Kansas is $2,981 per year, or $248 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in the Sunflower State is $1,227 more expensive than the national average per year.

Kansas homeowners insurance rates by city

We calculated the cost of home insurance in Kansas's largest cities and found that Gardner is the cheapest big city for homeowners insurance in the state, while Garden City is the most expensive.

Here’s a look at the average cost of home insurance in the 20 largest cities in Kansas.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Wichita

$272

$3,259

9%

Overland Park

$205

$2,458

-18%

Kansas City

$214

$2,567

-14%

Olathe

$200

$2,405

-19%

Topeka

$209

$2,502

-16%

Lawrence

$210

$2,515

-16%

Shawnee

$203

$2,441

-18%

Lenexa

$202

$2,420

-19%

Manhattan

$211

$2,537

-15%

Salina

$226

$2,707

-9%

Hutchinson

$268

$3,215

8%

Leavenworth

$208

$2,493

-16%

Leawood

$203

$2,441

-18%

Garden City

$311

$3,736

25%

Dodge City

$297

$3,558

19%

Derby

$263

$3,152

6%

Gardner

$196

$2,349

-21%

Emporia

$221

$2,657

-11%

Prairie Village

$205

$2,454

-18%

Junction City

$210

$2,520

-15%

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Kansas homeowners insurance rates by coverage amount

The table below highlights the average annual premium in Kansas for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Compare home insurance rates in Kansas

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Cheapest homeowners insurance companies in Kansas

After analyzing home insurance rates in all of the state's ZIP codes, we found that the cheapest home insurance companies in Kansas are Armed Forces Insurance, Auto-Owners Insurance, American Family, Farmers, and Marysville Mutual.

Cheapest Kansas homeowners insurance if you have poor credit

Poor credit can be bad news when it comes to home insurance rates. Insurance companies consider a bad credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim.

With an average rate of $2,176 per year, Armed Forces Insurance has the cheapest home insurance rates in Kansas for a homeowner with poor credit.

Company

Average annual cost

Armed Forces Insurance

$2,176

Marysville Mutual Insurance

$2,871

Bremens Farmers Mutual Insurance

$3,015

Shelter Insurance

$3,489

American Family

$3,730

Allstate

$4,010

Farmers

$5,107

Farm Bureau Insurance

$5,668

AAA

$6,067

State Farm

$6,365

Nationwide

$6,953

Auto-Owners Insurance

$24,506

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Cheapest Kansas homeowners insurance if you have an older home

It can cost a lot to insure older homes. That's because they're more prone to structural damage than new homes. Older homes are also often constructed out of materials and with features that would be expensive to replace if they were damaged.

With an average annual premium of $1,128, Armed Forces Insurance offers the cheapest home insurance rates in Kansas for an older home.

Company

Average annual cost

Armed Forces Insurance

$1,128

Auto-Owners Insurance

$2,131

Marysville Mutual Insurance

$2,730

Farmers

$2,829

Shelter Insurance

$2,885

American Family

$2,995

Allstate

$2,996

Bremens Farmers Mutual Insurance

$3,015

State Farm

$3,701

Farm Bureau Insurance

$3,921

AAA

$4,159

Nationwide

$6,242

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Cheapest Kansas homeowners insurance if you have a history of claims

If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.

With an average annual premium of $1,504, Armed Forces Insurance offers the cheapest home insurance rates in Kansas if you've filed three claims within a five-year period.

Company

Average annual cost

Armed Forces Insurance

$1,504

Auto-Owners Insurance

$2,172

Marysville Mutual Insurance

$2,730

Bremens Farmers Mutual Insurance

$3,015

Farmers

$3,598

State Farm

$4,223

Shelter Insurance

$4,319

American Family

$4,730

Allstate

$4,862

Farm Bureau Insurance

$6,279

AAA

$6,285

Nationwide

$10,042

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Coverage options in Kansas

In addition to looking at how much each insurance company charges for different coverage levels and risks, you should also know what your policy does and doesn’t cover.

When buying homeowners insurance in Kansas, you may need additional insurance to protect yourself against strong storms (including tornadoes), hail, and floods.

Windstorm insurance

Thunderstorms in Kansas can bring high winds and tornadoes. Home insurance usually covers damage from wind, and from tornadoes, but it's more complicated in Kansas and other states where there these storms are common.

Some home insurance companies in the state may charge a separate wind deductible, while others won't cover wind damage at all. If you're not covered, you would need to get a separate windstorm policy or find a company that covers wind damage.

Hail insurance

Hail may also come with Kansas's thunderstorms. Most home insurance policies do cover hail damage, along with other falling objects that can damage your property, like tree branches.

There are some exceptions in states like Kansas that experience lots of hailstorms. Some home insurance companies may charge a separate hail deductible — or may exclude coverage altogether.

Flood insurance

Homeowners insurance policies don’t cover flood damage. If you live in a part of Kansas experiences flooding, you should consider flood insurance along with your regular home insurance.

In addition to comparing home insurance quotes, homeowners in Kansas can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.

How to buy homeowners insurance in Kansas

Since the cost of homeowners insurance is based on a number of factors pertaining to your house, your location, and even your credit score, it’s important to shop around before buying a policy. 

Knowing how much and what type of coverage you need can keep you from overpaying or being underinsured. Here are some steps to get you started:

Steps to getting home insurance in Kansas

  1. Reach out to a licensed Policygenius agent. A Policygenius agent can answer your questions and help determine which insurance company has the best policy for you at the most affordable price. 

  2. Ask about the Kansas FAIR plan. If you are having trouble buying insurance through traditional companies, a Kansas FAIR plan can provide the coverage you need to protect your home. 

  3. Consider purchasing flood insurance. Even if you don’t live in a flood zone, many parts of Kansas are prone to severe storms and flooding. A flood insurance policy could save you from paying for costly repairs out of pocket.

  4. Compare quotes from a Policygenius agent.  A Policygenius agent can help you compare quotes from several different companies and break down the pros and cons of each policy option.

  5. Choose your policy, sign it, and pay your first premium. When you’ve chosen a home insurance policy, a Policygenius expert can take care of the paperwork on your behalf. Once you pay your first premium, you’re set to go.

Compare home insurance rates in Kansas

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Frequently asked questions

What is the average cost of homeowners insurance in Kansas?

The average cost of homeowners insurance in Kansas is $2,981 per year.

Does the age of your home affect home insurance costs?

Older homes cost more to insure because they may fall apart more easily than new homes and they often need to be brought up to modern building codes when undergoing repairs.

How can I reduce the cost of homeowners insurance?

Most insurance companies offer a variety of discounts that can bring down the cost of your premium. Choosing a higher deductible can also reduce your home insurance rate. One of the best things you can do to make sure you’re getting the most affordable rate is to shop around and compare quotes from several cmopanies.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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