Renters insurance in Kansas: Cost, best companies and how to save

What is the average cost of renters insurance in Kansas?

The average cost of renters insurance in Kansas is $238 per year. Rates vary depending on factors like your location, the amount of coverage you choose, your deductible, and your claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$238
Average monthly premium	$20

Read our methodology

Best renters insurance company in Kansas: Shelter Insurance

Shelter Insurance ranks as the best renters insurance company in Kansas, earning a top score among the carriers we surveyed. Its average rate is $208 per year.

Auto-Owners and American Family are also among the top insurance companies for renters insurance in Kansas.

Rates differ widely between renters insurance providers, so it's best to shop around. It's also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Kansas, we reviewed average rates, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Below are the best renters insurance companies in Kansas.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Shelter Insurance	$208	A	0.42	5
Auto-Owners	$272	A++	0.33	4.94
American Family	$278	A	0.37	4.66
Allstate	$162	A+	0.9	4.39
State Farm	$170	A++	0.95	4.32
Farmers	$274	A	0.54	4.31
Nationwide	$239	A+	0.87	3.94
Marysville Mutual	$376	A	0.87	2.94

Read our methodology

Cheapest renters insurance in Kansas

Our analysis shows that Allstate is the cheapest renters insurance company in Kansas, with an average annual premium of $162.

Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.

Here is the list of the cheapest renters insurance companies in Kansas along with their average annual premiums.

Company name	Average annual premium
Allstate	$162
Iowa Farm bureau	$168
State Farm	$170
Shelter Insurance	$208
Nationwide	$239
Auto-Owners	$272
Farmers	$274
American Family	$278
Marysville Mutual	$376

Read our methodology

Kansas renters insurance: The least and most expensive ZIP codes

Where you live in Kansas directly affects the cost of your renters insurance. The most expensive ZIP code in Kansas is 67060, where the average annual premium is $259. This is $21 more than higher than the average rate.

In contrast, the least expensive ZIP code for renters insurance is 66223, offering coverage at $220 a year.

The table below shows the most and least expensive ZIP codes in Kansas for renters insurance.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
67060	$259
67026	$258
67218	$257
66002	$231

ZIP code	Average annual rate
66223	$220
66109	$232
67108	$258
67211	$259

Renters insurance cost in Kansas by city

Renters insurance rates vary widely across cities in Kansas, driven by factors such as weather risks, crime rates, and other factors. To find the best deal in your city, you should consider these factors and compare quotes from multiple insurers before choosing a policy.

City	Annual insurance premium
Kansas City	$241
Lawrence	$221
Lenexa	$221
Manhattan	$222
Olathe	$219
Overland Park	$219
Salina	$222
Shawnee	$221
Topeka	$230
Wichita	$253

Read our methodology

How to save on renters insurance in Kansas

You can lower the cost of renters insurance in Kansas in several simple ways without reducing the coverage you need:

Bundle your policies. Many insurers give a discount when you purchase renters and auto insurance together.
Increase your deductible. Selecting a higher deductible lowers your monthly or yearly premium, but you should make sure you can afford it.
Ask about discounts. Many insurance companies offer discounts for having smoke alarms, security systems, or a claims-free history.
Compare quotes. Since prices vary widely between companies, getting quotes from multiple insurers helps you find the best deal.
Pay annually. Some insurers provide a small discount if you make yearly payment instead of paying monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: Kansas renters insurance

Do I need renters insurance in Kansas?

Renters insurance isn't required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Kansas?

You don't need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.