Shelter Insurance is the best homeowners insurance company in Kansas, based on a 2023 analysis by Insurance.com, with an overall rating of 4.7. American Family is the second-best home insurance company in Kansas, with an overall rating of 4.44.
Shelter also offers the cheapest home insurance in Kansas at $3,396 per year.
With so many options out there, it is not easy to choose a homeowners insurance company in Kansas. You need a reliable company that will provide you with quality service at an affordable price. Read on to learn more about the best and cheapest home insurance companies in Kansas.
Key takeaways
- The average cost of homeowners insurance in Kansas is $4,665 a year or $389 a month.
- The cheapest homeowners insurance company in Kansas is Shelter Insurance. It offers home insurance at an average of $3,396 a year.
- Shelter also ranked as the best insurance company in Kansas based on rates, complaints and financial stability.
Average home insurance cost in Kansas
The average cost of homeowners insurance in Kansas is $4,665 a year or $389 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Kansas homeowners insurance companies to get the best deal.
Best home insurance companies in Kansas
The best home insurance company in Kansas for 2023 is Shelter Insurance, followed by American Family and Iowa Farm Bureau.
Below is a full list of the top Kansas insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance companies in Kansas
Below are Kansas home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate
analysis, you’ll see Shelter Insurance has the most affordable rates in most categories.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Shelter Insurance | $2,342 | $3,396 | $4,460 | $5,591 | $6,644 |
| American Family | $2,823 | $3,465 | $4,087 | $4,660 | $5,177 |
| Iowa Farm Bureau | $3,084 | $4,183 | $5,187 | $6,081 | $7,210 |
| State Farm | $3,108 | $4,029 | $4,845 | $5,968 | $6,790 |
| Allstate | $3,403 | $4,248 | $4,853 | $5,377 | $5,873 |
| Farmers | $4,149 | $4,255 | $5,872 | $7,143 | $8,028 |
| Nationwide | $5,103 | $7,153 | $8,085 | $8,547 | $8,668 |
Kansas home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Kansas to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
HOME INSURANCE CALCULATOR
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
The most expensive ZIP codes in Kansas for home insurance
Kansas homeowners insurance rates are the most expensive for ZIP code 67868 with an average annual cost of $5,739.
The most expensive ZIP codes in Kansas are:
| ZIP code | Average annual rates |
|---|---|
| 67868 | $5,739 |
| 67545 | $5,507 |
| 67518 | $5,496 |
| 67143 | $5,490 |
| 67057 | $5,449 |
| 67882 | $5,449 |
The least expensive ZIP codes in Kansas for home insurance
The cheapest ZIP codes for home insurance in Kansas are:
| ZIP code | Average annual rates |
|---|---|
| 66030 | $3,671 |
| 66045 | $3,714 |
| 66046 | $3,723 |
| 66047 | $3,726 |
| 66209 | $3,736 |
| 66049 | $3,744 |
Compare homeowners insurance rates by city in Kansas
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Kansas.
| City | Annual insurance premium |
|---|---|
Fort Riley | $3,896 |
Kansas City | $3,023 |
Olathe | $3,160 |
Compare homeowners insurance rates with other states
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