Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Kansas Average homeowners insurance cost in Kansas Homeowners insurance in Kansas costs $4,826 per year or $402 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in Kansas is $4,826 a year. Continue reading to learn more about homeowners insurance rates in Kansas by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $4,826 a year, based on Insure.com analysis.Of all the ZIP codes in Kansas, 66220 has the most affordable home insurance rates at around $4,687 annually.In Kansas, Shelter Insurance provides the most affordable home insurance at an average annual premium of $3,416. Average home insurance cost in Kansas by coverage levelThe average cost of homeowners insurance in Kansas is $4,826 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $3,605 per year for homeowners insurance in Kansas for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Kansas for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$3,624$302200000 with 1000 Deductible and 300000 Liability and None Deductible$3,638$303300000 with 1000 Deductible and 100000 Liability and None Deductible$4,826$402300000 with 1000 Deductible and 300000 Liability and None Deductible$4,843$404400000 with 1000 Deductible and 100000 Liability and None Deductible$6,201$517400000 with 1000 Deductible and 300000 Liability and None Deductible$6,220$518600000 with 1000 Deductible and 100000 Liability and None Deductible$8,781$732600000 with 1000 Deductible and 300000 Liability and None Deductible$8,805$7341000000 with 1000 Deductible and 100000 Liability and None Deductible$14,477$1,2061000000 with 1000 Deductible and 300000 Liability and None Deductible$14,507$1,209Homeowners insurance companies in Kansas decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in KansasIt’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.We evaluated homeowners insurance providers in Kansas by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, American Family received the lowest NAIC score and an AM Best rating of A. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreAmerican Family$3,737A0.375Shelter Insurance$3,416A0.425Farmers$4,775A0.544.3State Farm$3,605A++0.954.05Allstate$4,168A+0.93.88Nationwide$7,382A+0.872.85Average homeowners insurance cost by company in KansasShelter Insurance offers the most affordable homeowners insurance in Kansas, at an average annual premium of $3,416, followed by State Farm and American Family.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Kansas homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateShelter Insurance$3,416$285State Farm$3,605$300American Family$3,737$311Allstate$4,168$347Iowa Farm Bureau$4,190$349Nationwide$7,382$615Farmers$8,735$728Kansas homeowners insurance rates by ZIP codeInsurance providers in Kansas factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Kansas, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in KansasNot every area in Kansas has the same home insurance cost. How much you pay for homeowners insurance in Kansas depends on many factors, including your ZIP code. Our data shows that 66220 ZIP has low-cost home insurance rates in Kansas, at about $4,687 a year or $391 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Kansas.ZIP codeAverage annual rateAverage monthly rate66220$4,687$39166219$4,703$39266046$4,706$39266061$4,718$39366218$4,723$39466030$4,736$39566019$4,740$39566221$4,746$39566044$4,748$39666210$4,760$397Most expensive ZIP codes for home insurance rates in KansasYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Kansas, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.67868 has the most expensive homeowners insurance rates in Kansas at an average annual cost of $7,155.Below, we’ve highlighted some of the most expensive ZIP codes in Kansas for home insurance:ZIP codeAverage annual rateAverage monthly rate67868$7,155$59667134$6,914$57667545$6,907$57667841$6,904$57567853$6,876$57367837$6,872$57367057$6,871$57367143$6,866$57267028$6,859$57267519$6,849$571Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Kansas by cityOlatheOverland ParkTopekaWichitaHome insurance rate trend in KansasWe analyzed home insurance rate trends in Kansas and found that homeowners insurance rates experienced an overall increase of 4% or $178, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$4,442$4,648$4,826To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Kansas.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Kansas Average renters insurance cost in Kansas Average car insurance cost in Kansas Non-owner car insurance in Kansas How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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