Best & Cheapest Homeowners Insurance in Kansas For 2026
State Farm offers the cheapest homeowners insurance to homeowners in Kansas, with an average annual quote of $1,402.
We’ve saved shoppers an average of $450 per year on their home insurance.
The cheapest homeowners insurance in Kansas is usually available from regional mutuals and select national carriers, with average annual rates of $1,402 depending on dwelling limits, claims history, and whether the home sits in a flood‑plain or high‑wind zone.
Kansas homeowners should compare multiple state‑specific quotes, confirm replacement‑cost dwelling limits, and ask about tornado‑ and wind‑mitigation discounts, updated roofing, or bundling with auto to reduce premiums without creating coverage gaps.
Cheapest Homeowners Insurance in Kansas 2026
How much is homeowners insurance in Kansas?
State Farm offers the most affordable rate for homeowners insurance in Kansas at $1,402 annually.
As you can see below, rates in Kansas are more expensive than the National average.
| Area | Average Monthly Rate |
| National | $1,820 |
| Kansas | $2,860 |
It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.
What’s Changed In 2026?
- Average homeowners premiums across Kansas rose as tornado, hail, and severe-storm claims increased insurer loss costs.
- Insurers in Kansas more frequently require recent roof, siding, and property-condition documentation at new policy and renewal.
- Wind, hail, and storm deductibles or coverage sublimits are increasingly applied to Kansas homeowners policies.
- Some Kansas carriers now offer premium credits for storm-hardening, sump pumps, and other mitigation measures.
Our Methodology
To find the cheapest home insurance rates in Kansas, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest homeowners insurance in Kansas
State Farm emerges as the cheapest overall option for homeowners insurance in Kansas, with an average annual rate of $1,402.
| Company | Annual Premium |
| State Farm | $1,402 |
| Travelers | $1,787 |
| Allstate | $2,160 |
| Farmers | $2,316 |
| Nationwide | $3,335 |
The cost of your policy is influenced by many factors, including location, home value, and your claims history. State Farm offers a balanced blend of affordability and comprehensive coverage.
Cheapest Homeowners Insurance In Kansas If You Have an Older Home
For those with older homes, Auto-Owners offers the cheapest rates, averaging $2,139 per year.
| Insurance Company | Average Annual Premium |
| Auto-Owners | $2,139 |
| Shelter Insurance | $2,890 |
| Allstate | $2,997 |
| State Farm | $3,701 |
| Nationwide | $6,243 |
Older homes often come with unique risks and maintenance issues, which can drive up insurance costs. Auto-Owners offers competitive rates and comprehensive coverage tailored to meet the needs of older homes.
Cheapest Homeowners Insurance for Newly Constructed Homes
If you’re the proud owner of a newly constructed home, Allstate offers the most cost-effective solution, with an average annual rate of $1,036.
| Insurance Company | Average Annual Premium |
| Allstate | $1,036 |
| Shelter | $1,276 |
| State Farm | $1,837 |
| Auto-Owners | $2,598 |
| Nationwide | $3,370 |
New constructions often require different coverage compared to older homes, and Allstate excels in providing affordable policies tailored to these specific needs.
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Cheapest Homeowners Insurance If You Have Poor Credit
If your credit score is poor, Allstate provides the most affordable solution, with an average annual rate of $3,618.
| Insurance Company | Average Annual Premium |
| Allstate | $3,618 |
| State Farm | $3,627 |
| Nationwide | $4,318 |
| Farmers | $11,409 |
| Auto-Owners | $24,509 |
Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. Allstate understands that everyone deserves fair coverage, regardless of their financial past.
Cheapest Home Insurance In Kansas for a History of Claims
For homeowners with a history of claims, State Farm provides an affordable solution, with an average annual rate of $3,590.
| Insurance Company | Average Annual Premium |
| State Farm | $3,590 |
| Farmers | $4,224 |
| Shelter Insurance | $4,327 |
| Allstate | $4,867 |
| Nationwide | $10,050 |
A history of claims can raise red flags for insurers, often leading to higher premiums. However, State Farm believes in second chances and offers reasonable rates for those with past claims.
Best Homeowners Insurance Companies in Kansas
Choosing the right homeowners insurance is not just a necessity; it’s a strategic decision. With a rich history, Kansas’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes paramount.
To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Kansas. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below and find the perfect fit for your home insurance needs.
| Company | Annual Premium |
| State Farm | $1,402 |
| Travelers | $1,787 |
| Allstate | $2,160 |
| Shelter Insurance | $1,287 |
| American Family | $1,954 |
| Auto-Owners | $2,578 |
| Farmers Bureau | $2,072 |
| Farmers | $2,316 |
| Nationwide | $3,335 |
Average Home Insurance Rates in Kansas by Deductible Amount
The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Kansas. Here’s how the average home insurance rates fluctuate for different deductible amounts:
| Deductible Amount | Annual Rate |
| $500 | $3,377 |
| $1,000 | $3,146 |
| $2,000 | $2,835 |
| $5,000 | $2,450 |
Average Home Insurance Rates in Kansas By Coverage Amount
One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.
Let’s take a closer look at a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $100,000 | $1,786 |
| $200,000 | $2,617 |
| $300,000 | $3,549 |
| $400,000 | $4,519 |
Average Home Insurance Rates in Kansas by Company
Here’s a comparison table showcasing annual premiums from some of the top providers in Kansas:
| Company | Annual Premium |
| State Farm | $1,402 |
| Travelers | $1,787 |
| Allstate | $2,160 |
| Shelter Insurance | $1,287 |
| American Family | $1,954 |
| Auto-Owners | $2,578 |
| Farmers Bureau | $2,072 |
| Farmers | $2,316 |
| Nationwide | $3,335 |
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How Much is Homeowners Insurance for Other Cities in Kansas?
The following is a detailed comparison chart that showcases the cheapest companies and their annual premiums across various cities in Kansas.
| City | Annual Premium |
| Pierceville | $2,872 |
| Abilene | $2,230 |
| Olathe | $1,548 |
| Lincoln | $2,196 |
Getting Online Homeowners Insurance Quotes in Kansas
With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.
Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.
FAQs
Who has the cheapest home insurance in Kansas?
The cheapest home insurance in Kansas, is provided by State Farm with an annual premium of $1,402.
What is the average cost of home insurance in Kansas?
The average cost of homeowners insurance in Kansas, is approximately $2,860 per year.
Sources
⇅About Bob Phillips
