AIG is the best homeowners insurance company in Kansas, based on an analysis by Insurance.com. Its overall rating is 5, and it has earned 830 scores out of 1000 from J.D. Power.
Whereas American Family received 831 scores out of 1000 from J.D. Power. Besides, A.M Best rated it A, which is the highest ratings they offer.
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. If this is what you're looking for, then keep on reading this guide.
- AIG is the best homeowners insurance company in Kansas.
- The average cost of homeowners insurance in Kansas is $3,931 a year or $328 a month.
- You can save an average of $4,298 a year if you bundle your home and auto insurance policies from Farmers.
- Best home insurance companies in Kansas
- Compare best homeowners insurance companies in Kansas
- Average cost of homeowners insurance in Kansas
- 10 Most expensive zip codes in Kansas for homeowners insurance
- 10 Least expensive zip codes in Kansas for homeowners insurance
- Cheap homeowners insurance in Kansas
- Home and auto bundle discounts in Kansas
- Homeowners insurance rates in Kansas by city
Best home insurance companies in Kansas
If you're looking for the best homeowners insurance company in Kansas, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Kansas:
- AIG
- American Family
- Allstate
- USAA
- State Farm
Compare best homeowners insurance companies in Kansas
The best way to find the right homeowners insurance in Kansas is by getting quotes from multiple carriers. You should compare the rates and coverage options and see if they offer good customer service before deciding on the insurance company.
We have compared the homeowners insurance companies in Kansas using J.D. Power's scores and ratings from A.M Best. Below are the best homeowners insurance companies, along with their overall ratings.
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| AIG | 5 | 830 | - |
| American Family | 4 | 831 | A |
| Allstate | 4 | 829 | A+ |
| USAA | 3 | 882 | A++ |
| State Farm | 3 | 835 | A++ |
| Auto-Owners | 3 | 831 | A++ |
| Farmers | 3 | 813 | A |
| Hartford | 3 | 798 | A+ |
| Chubb | 1 | 801 | A++ |
Average cost of homeowners insurance in Kansas
The average cost of homeowners insurance in Kansas is $3,931 a year or $328 a month. However, the cost varies by the insurance company, your ZIP code, coverage type, your home's age, and other factors. It’s a good idea to compare price quotes from different insurance companies to get the best deal.
| Average annual premium | Average monthly premium |
|---|---|
| $3,931 | $328 |
10 Most expensive zip codes in Kansas for homeowners insurance
Insurance companies use different factors to determine your home insurance rate, one of them is the place where you live. That's why prices vary greatly based on the ZIP code for any given area.
We have compared quotes from all the major insurance companies in Kansas for nearly all the ZIP codes. The most expensive ZIP code for home insurance in Kansas is 67752. Its average rate is $3,714 a year. It's $1,409 more than the national average of $2,305 a year.
Find below the average home insurance rate for other ZIP codes-
| ZIP code | Average annual rate |
|---|---|
| 67752 | $3,714 |
| 67841 | $3,706 |
| 67751 | $3,700 |
| 67737 | $3,696 |
| 67124 | $3,690 |
| 67835 | $3,673 |
| 67749 | $3,656 |
| 67021 | $3,653 |
| 67066 | $3,651 |
| 67643 | $3,648 |
10 Least expensive zip codes in Kansas for homeowners insurance
The home insurance rate you pay depends a lot on where your property is located. It means that rates vary depending upon the ZIP code, with some areas having considerably higher rates than others for home insurance.
However, some ZIP codes in the sunflower state have relatively lower home insurance costs than others. The least expensive ZIP code for home insurance in Kansas is 66219; its average rate is $2,604 a year --- $1,327 less than the state average ($3,931).
Below is a list of the least expensive ZIP codes for homeowners insurance-
| ZIP code | Average annual rate |
|---|---|
| 66219 | $2,604 |
| 66019 | $2,606 |
| 66209 | $2,613 |
| 66220 | $2,639 |
| 66021 | $2,641 |
| 66221 | $2,642 |
| 66049 | $2,643 |
| 66062 | $2,649 |
| 66046 | $2,650 |
| 66212 | $2,653 |
Cheap homeowners insurance in Kansas
Based on Insurance.com's rate analysis, the cheapest homeowners insurance company in Kansas is USAA. It offers home insurance at an average of $3,177 a year. But USAA offers insurance only to veterans, military members, or the spouse or child of a military member.
If you don't qualify for USAA, another option is Travelers; its average rate for homeowners insurance is $3,294 a year--- $637 less than the state average ($3,931).
Here is a list of cheap homeowners insurance companies in Kansas-
| Company name | Average annual premium |
|---|---|
| USAA | $3,177 |
| Travelers | $3,294 |
| Garrison | $3,887 |
| Allstate | $4,208 |
| Allied | $4,746 |
| Nationwide | $4,761 |
| Liberty | $4,909 |
| State Farm | $5,222 |
| Farm Bureau | $5,405 |
| Farmers | $6,160 |
| Safeco | $7,609 |
| American Family | $8,345 |
| Foremost | $8,378 |
Home and auto bundle discounts in Kansas
Auto insurance companies often offer discounts to those who bundle their home and car insurance policies. A home and auto bundle can save you an average of $1,019 a year or 19%, based on Insurance.com's rate analysis.
You can save an average of $4,298 a year if you bundle your home and auto insurance policies from Farmers, the highest among the carriers surveyed.
Below we provide a list of top insurance companies in Kansas that offer discounts on home and auto bundles.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| Farmers | $4,298 | 31% |
| State Farm | $1,281 | 33% |
| Farm Bureau | $1,040 | 26% |
| Nationwide | $971 | 26% |
| Allied | $848 | 20% |
| Shelter Mut Insurance | $838 | 24% |
| American Family | $723 | 13% |
| Travelers | $361 | 12% |
| USAA | $328 | 10% |
| Auto Owners | $302 | 12% |
| Allstate | $218 | 7% |
