Best & Cheapest Homeowners Insurance in Wichita, KS June, 2024

USAA provides the most affordable homeowners insurance for homeowners in Wichita, offering an average annual quote of $3,214.

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Updated: 05 May 2024
Written by
Bob Phillips
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In our thorough examination of homeowners insurance providers in Wichita, KS, USAA stands out as the most affordable option, with average annual rates of $3,214. However, it’s important to note that the best insurer for you may vary depending on your specific circumstances and needs.

For example, if your credit score is lower, Allstate offers the most economical choice with an average annual premium of $4,011. If you own an older home, State Farm provides competitive rates of $3,716 per year along with comprehensive coverage.

On the flip side, if you have a newly constructed home, Allstate again offers the most cost-effective solution at $2,073 per year. For individuals with a history of claims, State Farm provides an understanding and affordable solution at $4,233 annually.

Furthermore, if you have valuable personal property requiring protection, USAA proves to be the top choice, offering extensive coverage at a reasonable rate of $3,361 per year.

Our detailed analysis at Insuranceopedia aims to assist you in finding the ideal homeowners insurance coverage. Through comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we provide all the necessary information for you to make a well-informed decision.

How much is homeowners insurance in Wichita, KS?

USAA provides the most affordable homeowners insurance rate in Wichita, KS, at an annual premium of $3,214.

As indicated below, the homeowners insurance rates in Wichita are significantly higher than both the national average and the average rate for the state of Kansas.

Area Average Monthly Rate
National $1,820
Kansas $2,860
Wichita $4,960

Understanding insurance rates is crucial because they are not uniform and can vary significantly based on various factors.

Cheapest Homeowners Insurance in Wichita, KS

Our Methodology

To determine the most affordable home insurance rates in Wichita, we conducted a thorough analysis using data from various home insurance review sites. Some of these sites sourced rates from public filings obtained from Quadrant Information Services. We have averaged these rates for this review, but it's important to note that each company's rates can fluctuate frequently and will be influenced by your specific circumstances. Our overall rating also considers my subjective opinion, drawing from fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance policies. This blend of objective data and personal expertise ensures a comprehensive assessment of the available options.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Wichita, KS

USAA stands out as the most affordable overall option for homeowners insurance in Wichita, KS, offering an average annual rate of $3,214.

Company Annual Premium
USAA $3,214
Travelers $3,267
State Farm $3,699
Allstate $3,870
Auto-Owners $10,671

The price of your homeowners insurance policy is influenced by several factors, such as your location, the value of your home, and your claims history. USAA provides a balanced combination of affordability and comprehensive coverage, making it a suitable choice for many homeowners.

Cheapest Homeowners Insurance In Wichita If You Have an Older Home

For homeowners with older homes, State Farm provides the most affordable rates, averaging $3,716 per year.

Insurance Company Average Annual Premium
State Farm $3,716
Allstate $3,930
Farm Bureau $4,160
Nationwide $6,251

Older homes often carry unique risks and maintenance challenges that can result in higher insurance costs. However, State Farm offers competitive rates and comprehensive coverage specifically tailored to address the needs of older homes, making it a reliable choice for homeowners seeking affordable and effective insurance solutions.

Cheapest Homeowners Insurance for Newly Constructed Homes

For homeowners who own newly constructed homes, Allstate provides the most cost-effective solution, with an average annual rate of $2,073.

Insurance Company Average Annual Premium
Allstate $2,073
Travelers $2,435
State Farm $2,805
Farmers $2,840
Auto-Owners $6,599

Newly constructed homes often have different insurance coverage needs compared to older homes, and Allstate is known for offering affordable policies specifically tailored to address these requirements.

Cheapest Homeowners Insurance If You Have Poor Credit

If you have a poor credit score, Allstate offers the most affordable solution, with an average annual rate of $4,011.

Insurance Company Average Annual Premium
Allstate $4,011
AAA $5,860
State Farm $8,277
Auto-Owners $10,672
Farmers $17,995

Your credit score plays a significant role in determining your insurance rates, as it is a crucial factor that insurers consider when assessing risk. Allstate recognizes the importance of providing fair coverage to everyone, regardless of their financial history or credit score.

Cheapest Home Insurance In Wichita for a History of Claims

Homeowners with a history of claims can find an affordable solution with State Farm, which offers an average annual rate of $4,233.

Insurance Company Average Annual Premium
State Farm $4,233
Shelter $4,320
Allstate $4,873
AAA $6,295
Nationwide $10,052

Having a history of claims can indeed raise concerns for insurers and often result in higher premiums. However, State Farm believes in providing second chances and offers reasonable rates for homeowners with past claims, ensuring they can still access quality coverage without facing exorbitant costs.

Cheapest Home Insurance Rates for Lots of Personal Property

For homeowners with a significant amount of personal property, USAA provides the most affordable rates, with an average annual rate of $3,361.

Insurance Company Average Annual Premium
USAA $3,361
State Farm $3,724
Allstate $3,880
AAA $6,225
Auto-Owners $11,290

As your personal property increases, so do your coverage needs, which can lead to higher premiums. USAA addresses this by offering extensive coverage at reasonable rates, ensuring that all your belongings are adequately protected without breaking the bank.

Best Homeowners Insurance Companies in Wichita, KS

Selecting the appropriate homeowners insurance is not just a requirement; it’s a strategic choice. Wichita’s homes have a diverse history, mirroring its residents’ uniqueness. Hence, finding an insurance provider that offers comprehensive coverage at competitive rates becomes crucial.

To simplify your decision-making process, we’ve curated a list of the top homeowners insurance companies in Wichita, KS. These companies were evaluated based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Refer to our comparison chart below to find the ideal match for your home insurance requirements.

Company Annual Premium
USAA $3,214
Travelers $3,267
State Farm $3,699
Farmers $3,396
Allstate $3,870
American Family $6,590
AAA $5,897
Auto-Owners $10,671

Average Home Insurance Rates by Zip Codes

The cost of homeowners insurance in Wichita, KS can vary significantly based on the zip code. Below are tables showcasing rates for different zip codes in Wichita, along with the the cheapest and most expensive zip codes in the area for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
67205 $3,830
67204 $3,834
67206 $3,852
67260 $3,983
67232 $3,947
67227 $3,987

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
67205 $3,830
67204 $3,834
67206 $3,852

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
67260 $3,983
67232 $3,947
67227 $3,987

Average Home Insurance Rates in Wichita, KS by Deductible Amount

The deductible you select for your homeowners insurance policy has a notable impact on the premium rates in Wichita, KS. Here’s a breakdown of how the average rates for home insurance vary based on different deductible amounts:

Deductible Amount Annual Rate
$500 $3,720
$1,000 $3,452
$1,500 $3,230
$2,000 $3,105

Average Home Insurance Rates in Wichita, KS By Coverage Amount

One critical factor that impacts your insurance premium is the amount of dwelling coverage you choose. This represents the maximum amount your insurance company will pay to rebuild or repair your home in case of damage or destruction.

Let’s delve into a comparison chart that illustrates the average annual homeowners insurance premiums for various dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $2,930
$250,000 $3,459
$300,000 $3,786
$350,000 $4,367
$400,000 $4,962

Average Home Insurance Rates in Wichita, KS by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Wichita:

Company Annual Premium
USAA $3,214
Travelers $3,267
State Farm $3,699
Farmers $3,396
Allstate $3,870
American Family $6,590
AAA $5,897
Auto-Owners $10,671

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
Olathe $1,548
Clearview City $1,784
Lincoln $2,196

Getting Online Homeowners Insurance Quotes in Kansas

Informative platforms such as Insuranceopedia make it easy to find the best coverage for your specific needs with just a few clicks. By offering quick online quotes from a range of top-rated insurers, Insuranceopedia allows you to compare rates easily.

Simply input your details, and let us handle the heavy lifting by presenting you with a selection of options tailored to your requirements. This enables you to confidently select a policy that offers the best value, balancing cost with comprehensive coverage.

FAQs

Who has the cheapest home insurance in Wichita, KS ?

USAA offers the most affordable home insurance in Wichita, Kansas, with an annual premium of $3,214.

What is the average cost of home insurance in Wichita, KS?

The typical expense for homeowners insurance in Wichita, Kansas, is around $4,960 per year.

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