Best & Cheapest Homeowners Insurance in Kansas City, MO For April, 2024

State Farm provides the most affordable homeowners insurance for homeowners in Kansas City, with an average annual quote of $2,322.

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Updated: 19 March 2024
Written by
Bob Phillips
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In our thorough review of homeowners insurance providers in Kansas City, MO, State Farm emerges as the most budget-friendly option, with average annual rates of $2,322. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

For example, if your credit score has taken a hit, Allstate stands out as the most economical choice with an average annual premium of $3,046. Conversely, if your home is on the older side, State Farm rises to the top with its competitive rates of $2,864 per year and comprehensive coverage.

On the flip side, if you’re the proud owner of a newly constructed home, Allstate once again offers the most cost-effective solution at $1,657 per year. And for those who have a history of claims, Allstate again provides an affordable and understanding solution at $3,456 per year.

Lastly, if you possess a wealth of personal property that needs protection, Travelers proves to be your best bet, offering extensive coverage at a reasonable $2,242 per year.

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

How much is homeowners insurance in Kansas City, MO?

State Farm provides the most affordable rate for homeowners insurance in Kansas City at $2,322 annually.

As shown below, the rates in Kansas City are higher than the national average. They’re also slightly higher than the average rates for the state of Missouri.

Area Average Monthly Rate
National $1,820
Missouri $2,710
Kansas City $2,841

It’s crucial to grasp that insurance rates aren’t standardized across the board. They can vary greatly depending on numerous factors.

For example, your individual driving record is significant; having a history with traffic infractions or accidents usually results in higher insurance costs compared to having a clean record. Additionally, the make and model of your vehicle are important factors, as luxury or high-performance cars typically incur higher insurance premiums.

Where you live can also affect your rates, with urban areas often experiencing higher premiums due to higher risks of theft or accidents in densely populated regions. Even factors like your age and marital status can influence how much you pay for car insurance.

Cheapest Homeowners Insurance in Kansas City, MO 2024

Cheapest Homeowners Insurance, Kansas City, 2024

Our Methodology

To identify the most affordable home insurance rates in Kansas City, we reviewed data from several home insurance review platforms. Some of these platforms analyzed rates sourced from public filings acquired by Quadrant Information Services. For this assessment, we averaged the rates obtained from these sources. However, it's important to note that each company's rates can fluctuate regularly and may differ based on your specific circumstances. In addition to the aggregated data, our overall rating incorporates my subjective assessment. This evaluation draws from my fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

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Quotes Analyzed

15+

Years Of Industry Experience

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Brands Reviewed

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Research Hours

Cheapest homeowners insurance in Kansas City, MO

State Farm stands out as the most budget-friendly choice for homeowners insurance in Kansas City, Missouri, boasting an average annual rate of $2,322.

Company Annual Premium
State Farm $2,322
Nationwide $2,499
Allstate $2,938
Shelter $4,103
Farmers $4,416

The price of your insurance policy is determined by various factors, such as where you live, the value of your home, and your claims history. State Farm provides a well-rounded combination of affordability and extensive coverage options.

Cheapest Homeowners Insurance In Kansas City If You Have an Older Home

State Farm provides the most cost-effective rates for individuals with older homes, averaging $2,864 per year.

Insurance Company Average Annual Premium
State Farm $2,864
Allstate $3,167
Shelter $3,274
Nationwide $3,450
Farmers $8,136

Older homes frequently present unique risks and maintenance challenges, potentially increasing insurance expenses. However, State Farm offers competitive rates and comprehensive coverage specifically designed to address the requirements of older homes.

Cheapest Homeowners Insurance If You Have Poor Credit

Allstate offers the most economical solution for individuals with poor credit scores, providing an average annual rate of $3,046.

Insurance Company Average Annual Premium
Allstate $3,046
Travelers $4,275
Nationwide $4,301
State Farm $4,814
USAA $5,307

Your credit score can have a significant impact on your insurance rates since it’s a crucial factor that insurers take into account when assessing risk. Allstate recognizes the importance of providing fair coverage to everyone, irrespective of their financial history.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’ve recently become the owner of a newly built home, Allstate provides the most affordable option, with an average annual rate of $1,657.

Insurance Company Average Annual Premium
Allstate $1,657
State Farm $1,753
Travelers $1,771
American Family $2,184
Farmers $3,632

Newly constructed homes often demand distinct coverage compared to older properties, and Allstate excels in offering affordable policies customized to meet these specific requirements.

Cheapest Home Insurance Rates for Lots of Personal Property

If you possess a considerable amount of personal property, Travelers provides the most affordable rates, averaging $2,242 per year.

Insurance Company Average Annual Premium
Travelers $2,242
AAA $2,296
State Farm $2,372
Allstate $2,968
Farmers $4,557

As your personal property increases, so do your coverage needs, potentially leading to higher premiums. However, Travelers offers comprehensive coverage at reasonable rates, guaranteeing that all your belongings receive adequate protection.

Cheapest Home Insurance In Kansas City for a History of Claims

For homeowners with a track record of claims, Allstate offers an economical solution, with an average annual rate of $3,456.

Insurance Company Average Annual Premium
Allstate $3,456
Sate Farm $4,578
Shelter $4,914
Nationwide $5,752
Farmers $14,156

A history of claims can signal increased risk for insurers, typically resulting in higher premiums. However, Allstate believes in giving second chances and provides reasonable rates for individuals with past claims.

Best Homeowners Insurance Companies in Kansas City, MO

Selecting the right homeowners insurance isn’t merely a requirement; it’s a strategic choice. Kansas City’s homes, steeped in history, are as distinctive as its inhabitants. Thus, securing an insurance provider that delivers thorough coverage at competitive prices becomes essential.

To streamline your decision-making process, we’ve assembled a list of the leading homeowners insurance companies in Kansas City, Missouri. These companies have been evaluated based on their yearly premiums, coverage selections, customer satisfaction scores, and overall dependability. Explore our comparison chart below to discover the ideal match for your home insurance requirements.

Company Annual Premium
State Farm $2,322
AAA 2,446
Nationwide $2,499
Allstate $2,938
USAA $3,140
Shelter $4,103
Farmers $4,416

Average Home Insurance Rates by Zip Codes

The price of homeowners insurance in Kansas City, MO can fluctuate considerably depending on the zip code. Here are tables illustrating rates for various zip codes in Kansas City, along with the five least expensive and most expensive zip codes in the region for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
64136 $2,331
64152 $2,338
64119 $2,340
64124 $2,804
64108 $2,817

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
64110 $2,351
64136 $2,331
64111 $2,347
64152 $2,338
64119 $2,340

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
64124 $2,804
64108 $2,817
64123 $2,790
64102 $2,796
64105  $2,807

Average Home Insurance Rates in Kansas City, MO by Deductible Amount

The chosen deductible amount for a homeowners insurance policy greatly impacts the premium rates in Kansas City, MO. Here’s how the average home insurance rates vary for different deductible amounts:

Deductible Annual Rate
$500 $2,416
$1,000 $2,219
$1,500 $2,108
$2,000 $2,017
$5,000 $1,709

Average Home Insurance Rates in Kansas City, MO By Coverage Amount

One of the critical factors that affects your premium is the dwelling coverage amount. This represents the maximum sum your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Here’s a comparison chart detailing the average annual homeowners insurance premiums for various dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,809
$250,000 $2,230
$300,000 $2,572
$350,000 $2,868
$400,000 $3,199

Average Home Insurance Rates in Kansas City, MO by Company

Here’s a comparison chart displaying the yearly premiums from some of the leading insurance companies in Kansas City.

Company Annual Premium
State Farm $2,322
AAA 2,446
Nationwide $2,499
Allstate $2,938
USAA $3,140
Shelter $4,103
Farmers $4,416

How Much is Homeowners Insurance for Other Cities in Missouri?

Below is a detailed comparison chart illustrating the most affordable insurance companies and their yearly premiums across different cities in Missouri.

City Annual Premium
St. Louis $2,388
Independence $2,879
O’Fallon $2,361
St. Charles $2,440

Getting Online Homeowners Insurance Quotes in Missouri

Informative platforms like Insuranceopedia make it easy to find the ideal coverage for your specific needs with just a few clicks. By offering fast online quotes from multiple top-rated insurers, Insuranceopedia enables you to compare rates effortlessly.

Simply input your information, and let us handle the heavy lifting, presenting you with a variety of options customized to your needs. This way, you can confidently select a policy that provides the best value, striking a balance between cost and comprehensive coverage.

 

FAQs

Who has the cheapest home insurance in Kansas City, MO?

State Farm offers the most affordable home insurance in Kansas City, Missouri, with an annual premium of $2,322.

What is the average cost of home insurance in Kansas City, MO?

The typical annual cost of homeowners insurance in Kansas City, Missouri, is around $2,841.

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