Best renters insurance companies in Kansas

When choosing the best renters insurance company in Kansas, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Kansas. Below is our list of best renters insurance companies in Kansas based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

CompanyAverage rating(out of 5)
Nationwide4
State Farm4
Allstate3.5
American Family3.5
Farmers2.5

Compare the best renters insurance companies in Kansas

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Kansas residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Kansas. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $176.

The table below offers a detailed comparison of renters insurance companies in Kansas.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
State Farm844$176A++
Nationwide852$222A+
Allstate835$162A+
American Family856$267A
Farmers842$274A

How much is renters insurance in Kansas

Kansas residents pay an average of $236 a year for renters insurance, and the average monthly cost is $20. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“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 PremiumAverage Monthly Premium
$236$20

Most expensive ZIP codes in Kansas for renters insurance

Several factors affect your renters insurance coverage cost in Kansas, including your location and the coverage you buy. The most expensive ZIP code in Kansas for renters insurance is 67211, where the average annual rate is $262 which is $26 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Kansas for renters insurance.

ZIP codeAverage Annual Rate
67211$262
67260$261
67202$258
67218$257
67210$256
67545$255
67134$254
67867$253
67516$252
67861$251

Least expensive ZIP codes in Kansas for renters insurance

Renters insurance rates in Kansas are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Kansas is 66206, and its average annual rate is $218.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage Annual Rate
66206$218
66018$219
66049$220
66227$221
66502$222
66217$223
66406$224
66939$225
66027$226
66012$227

Compare renters insurance rates by city in Kansas

Renters 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 renters insurance for your specific city in Kansas.

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

Cheap renters insurance in Kansas by company

There are a lot of companies offering renters insurance in Kansas. Among the carriers surveyed by Insurance.com, Allstate is the cheapest renters insurance company in Kansas; its average annual premium is $162.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Kansas and their average annual premiums.

Company NameAverage Annual Premium
Allstate$162
Iowa Farm bureau$176
State Farm$176
Shelter Insurance$208
Nationwide$222
American Family$267
Farmers$274
Auto-Owners$280
Marysville Mutual$376

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions 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. Content was updated in 2023.

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