Best & Cheapest Homeowners Insurance in Kansas For April, 2024

State Farm offers the cheapest homeowners insurance to homeowners in Kansas, with an average annual quote of $1,402.

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Updated: 06 April 2024
Written by
Bob Phillips
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In our comprehensive review of homeowners insurance providers in Kansas, State Farm emerges as the most budget-friendly option, with average annual rates of $1,402. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

For instance, if your credit score has taken a hit, Allstate stands out as the most economical choice with an average annual premium of $3,618. If your home is on the older side, Auto-Owners rises to the top with its competitive rates of $2,139 per year, and comprehensive coverage.

On the other hand, if you’re the proud owner of a newly constructed home, Allstate offers the most cost-effective solution at $1,036 per year. And for those who’ve had a history of claims, State Farm again provides an affordable and understanding solution at $3,590 per annum.

Our in-depth analysis at Insuranceopedia is designed to guide you toward the perfect fit for your homeowners insurance needs. By comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we will provide you with all the information necessary to make an informed decision.

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.

For instance, your personal driving history plays a pivotal role; a record filled with traffic violations or accidents will likely lead to higher premiums than a clean slate. The type and model of your vehicle also come into play, as high-performance or luxury cars typically cost more to insure.

Your geographical location can impact your rates, too, with densely populated urban areas generally facing higher rates due to increased risk of theft or accidents. Even your age and marital status can influence your car insurance premiums.

Cheapest Homeowners Insurance in Kansas 2024

Cheapest Homeowners Insurance in Kansas 2024

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.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

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.

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

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.

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