How Much Is Home Insurance In Kansas? 2025 Rates
The average homeowners insurance cost in Kansas is $3,463, which is $1,041 higher than the national average of $2,422.
We’ve saved shoppers an average of $450 per year on their home insurance.
According to the Insurance Journal, the forecast for homeowners insurance is not promising, with rates expected to stay high in 2025. States with extreme weather often experience higher insurance rates, and Kansas, along with Nebraska and Texas, faces the risk of tornadoes, which drives up the cost.
Homeowners insurance prices have been rising significantly due to various factors. With over 20 years of experience in the insurance industry, I can help you find an affordable provider through thorough research and preparation.
Key Takeaways
In 2023, Kansas ranked 9th for the highest homeowners insurance costs in the U.S.
Top home insurance providers in Kansas include Country Financial and Chubb.
Due to frequent severe storms and flooding in Kansas, it’s important to have a strong home insurance policy, along with additional flood coverage if you live in a flood-prone area.
To find out how much you’ll pay for home insurance in Kansas, the best approach is to get quotes from several insurance companies.
How Much Is Homeowners Insurance In Kansas?
Kansas is located in Tornado Alley, where high winds, tornadoes, and hail are very common. Many counties in the state have also faced flooding. Because of this, having the right home insurance is essential to protect homes.
The average homeowner’s insurance cost in Kansas in 2024 was $3,463, and rates are expected to increase.
Average Home Insurance Cost In Kansas – By Insurance Carrier
Homeowners insurance premiums in Kansas can differ greatly between providers, even for similar coverage. For example, Auto-Owners Insurance might offer a more affordable policy than Nationwide for the same level of home protection.
Some highly-rated home insurance companies in Kansas include Auto-Owners, Farm Bureau, and Marysville Mutual. Below are some examples of average home insurance prices from various insurance carriers.
| Insurance Carrier | Average Annual Premium |
| Auto-Owners | $1,974 |
| State Farm | $2,524 |
| Farm Bureau | $3,366 |
| Farmers | $3,717 |
| Shelter | $2,414 |
| American Family | $3,058 |
| Allstate | $3,600 |
| Nationwide | $7,084 |
| Marysville Mutual Insurance | $2,737 |
| Bremens Farmers Mutual Insurance | $3,013 |
Note: Independent agents can be a valuable resource because they work with multiple insurance carriers. They can help you find the best rates and policies that match your needs without being tied to a specific provider.
Average Home Insurance Cost In Kansas – By Claims History
In Kansas, homeowners with no claims for the past five years typically pay an average annual premium of $3,459. However, if a homeowner has made a claim in the last five years, the average premium increases to $4,079.
Here’s a table explaining how much increase can you expect in your insurance rate with 1 or more claims.
| Number of Claims | Average Annual Premium |
| None | $3,459 |
| 1 | $4,079 |
| 2 | $4,519 |
Note: The more claims you file, the more likely it is that your rates will increase when it’s time to renew your policy.
Average Home Insurance Cost In Kansas- By Credit Score
In Kansas, homeowners with poor credit pay an average of $14,075 annually for insurance, which is 70% more than those with good credit.
Although improving your credit score won’t happen overnight, you can work on it over time to reduce your insurance rates. A higher credit score typically leads to lower home insurance premiums.
| Credit Score | Annual Average Premium |
| Poor (300-579) | $14,975 |
| Fair (580-669) | $6,060 |
| Good (670-739) | $4,544 |
| Very Good (740-799) | $3,461 |
| Excellent (800-850) | $2,701 |
Average Home Insurance Cost For New Homes In Kansas
Typically, home insurance is cheaper for newly built homes. This is because they are in better condition and come with modern safety features. New homes are less prone to issues such as wear and tear, old wiring, or plumbing problems that could result in expensive claims.
For a Kansas property built in 2023, the average annual cost of home insurance is $1,706.
| Age of Home | Average Annual Premium |
| New | $1,706 |
| 10 | $3,412 |
| 20 | $5,260 |
| 30 | $8,122 |
Average Home Insurance Cost In Kansas – By Coverage Amount
In Kansas, the typical yearly premium for homeowners insurance is $3,462 for a standard policy with $250,000 in dwelling coverage. This is higher than the national average of $2,421.
Opting for higher coverage limits, which offer more protection for your home and possessions, generally leads to higher premiums.
| Coverage Limit | Average Annual Premium |
| $100,000 | $1,963 |
| $250,000 | $3,462 |
| $500,000 | $5,881 |
| $750,000 | $8,135 |
| $1,000,000 | $11,006 |
| $2,000,000 | $21,855 |
| $3,000,000 | $32,243 |
Average Home Insurance Cost For Different Cities In Kansas
In Wichita, the largest city in Kansas, homeowners spend an average of $4,163 per year on insurance, which is 14% higher than the state average. On the other hand, homeowners in Kansas City pay an average of $3,182 annually, which is 15% below the state average.
Gardner has the lowest home insurance rates among the major cities in Kansas, while Garden City has the highest.
Here’s an overview of the average home insurance costs in Kansas.
| City | Average Annual Premium |
| Kansas City | $3,182 |
| Overland Park | $3,083 |
| Wichita | $4,163 |
| Topeka | $3,394 |
| Olathe | $2,963 |
| Lawrence | $2,516 |
| Fort Worth | $4,833 |
| Salina | $2,704 |
| Manhattan | $2,535 |
| Leavenworth | $2,494 |
| Garden City | $3,733 |
| Gardner | $2,349 |
How To Estimate Your Homeowners Insurance Policy Cost
Getting home insurance is a crucial part of owning a home. Even if you don’t have a mortgage lender requiring it, home insurance provides financial protection for your most valuable asset. Home insurance rates vary greatly from person to person, making it hard to predict costs.
Essentially, your home insurance rate reflects how likely the insurance company thinks you are to file a claim.
Some of the major factors that companies use to determine your insurance price are as follows:
Dwelling coverage: It refers to the amount it would cost to fully rebuild your home. It’s a key part of your policy because the coverage for other structures on your property and for your personal belongings is determined as a percentage of this dwelling limit.
Zip code: Insurance companies use your ZIP code to assess the history of natural disasters in your area and how close your home is to the nearest fire or police station.
Deductible: A deductible is the amount of money you must pay out of pocket before your home insurance policy starts covering the rest of the costs for a claim. For example, if your deductible is $1,000 and you have a claim for $5,000 in damages, you would pay the first $1,000, and your insurance would cover the remaining $4,000.
Credit: In most states, except California, Maryland, and Massachusetts, insurers can consider your credit history when determining your premium. If you’re unsure of your credit score, it’s a good idea to choose “Good” or “Fair.”
Claim history: If you’ve made a claim on your home insurance in the past, or if your property has a history of claims, your rates may be higher.
How To Buy Home Insurance In Kansas
Assess Your Coverage Needs
Note: An umbrella insurance policy provides extra liability coverage beyond the limits of your home, or other insurance policies. It can protect you from large claims or lawsuits that exceed the coverage of your primary policies.
Shop Around
Shopping around for home insurance is a smart way to find the best deal. Different home insurance companies offer different rates and coverage options, so it’s important to compare several quotes before making a decision.
When you shop around, you can look at what each policy covers, how much it costs, and any discounts that might be available to you.
Finalize Your Application And Review Policy
Once you’ve found the right home insurance policy, the next step is to finalize your application. This involves providing any necessary information to the insurance company, such as details about your home, your coverage choices, and any discounts you might be eligible for.
After submitting your application, carefully review the policy documents to make sure all the details are correct. You should continually monitor your home insurance at every renewal to confirm it still meets your needs.
FAQs
Why is homeowners insurance in Kansas so expensive?:
Kansas is prone to severe weather, including tornadoes, hailstorms, and flooding, which increases the risk of property damage. Insurance companies factor in these risks when setting rates.
Kansas has a high risk of natural disasters, leading insurers to charge higher premiums to cover potential claims. The cost of rebuilding homes, along with local construction standards and property values, contributes to higher insurance costs in the state.
How much is homeowners insurance per month in Kansas?
The average cost of homeowners insurance in Kansas is approximately $289 per month. The actual monthly premium can vary based on factors like the size and value of your home, the coverage you choose, your location within the state, and your claims history.
