Kansas has one of the country's more expensive insurance markets, which makes bundle savings worth pursuing. Farmers leads the state's rankings, earning a MoneyGeek score of 96 out of 100 and the lowest annual premium at $3,516. State Farm has the biggest bundle discount in the state at 26% off combined coverage. MoneyGeek's scores weigh affordability, customer satisfaction and coverage quality, with extra emphasis on savings given Kansas' high insurance costs.
Best Cheap Home and Auto Bundle Insurance in Kansas
Updated: April 7, 2026
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Key Takeaways
Farmers earns the highest score for home and auto bundles in Kansas, with a 96 out of 100 MoneyGeek rating. Read more.
State Farm offers Kansas' biggest bundling discount at 26%, saving policyholders $1,445 per year. Read more.
At $3,516 per year, Farmers has the most affordable home and auto bundle in Kansas. Read more.
Best Home and Auto Bundle Insurance in Kansas
| Best Overall | Farmers | $3,516 | 4.8 |
| Runner-Up | State Farm | $4,055 | 4.8 |
| Cheapest Bundle | Farmers | $3,516 | 4.8 |
| Biggest Discount | State Farm | $4,055 | 4.8 |
Best Home and Auto Bundle Companies in Kansas
Farmers and State Farm tie as Kansas' top home and auto bundle providers, each earning a 96 out of 100 MoneyGeek score. Farmers draws rural homeowners with broad coverage options and strong bundling discounts. State Farm pairs that score with an extensive local agent network, good neighbor discounts and high customer retention rates. Both are strong picks for Kansas homeowners shopping for bundled coverage.
Farmers: Best Overall in Kansas
pros
Farmers' Signal telematics program rewards safe drivers with additional discounts on top of bundle savings
Ranks first in Kansas bundle rankings with a 96 out of 100 MoneyGeek score
Bundling saves policyholders $820 per year, a 19% discount
Auto coverage includes rideshare protection; home policies add equipment breakdown coverage
cons
Auto customer satisfaction ranks last among the five providers in MoneyGeek's analysis
Home coverage options rank third out of five providers, trailing some competitors
Home insurance policies in Kansas are usually issued through affiliate companies, not directly by Farmers
COMPANY HIGHLIGHTS
At $3,516 per year, Farmers has Kansas' top-rated home and auto bundle with a MoneyGeek score of 96 out of 100 (4.8 out of 5 stars). Bundling saves policyholders $820 per year, a 19% discount over buying policies separately.
Farmers' Signal telematics program rewards safe drivers with additional auto discounts on top of bundle savings by tracking habits like hard braking and speeding. Home policies cover Kansas' severe weather risks and include options for extended replacement cost coverage suited to the state's tornado and hail patterns. Farmers underwrites both home and auto policies directly in Kansas.
Farmers' mobile app lets bundled policyholders file claims for both policies in one place and track repair progress in real time.
State Farm: Runner-Up Bundle in Kansas
pros
Drive Safe & Save program rewards safe drivers with additional discounts
Runner-up bundle provider in Kansas with a MoneyGeek score of 96 out of 100
Bundling saves policyholders $1,445 per year, a 26% discount
An extensive agent network across Kansas offers personalized service and local expertise for both home and auto policies
cons
At $4,055 per year, the bundled rate is one of the pricier options in MoneyGeek's analysis
Auto coverage ranks fourth among the five providers
Online claims process requires phone follow-up for complex home claims, unlike some digital-first competitors
COMPANY HIGHLIGHTS
At $4,055 per year, State Farm ties for Kansas' top home and auto bundle score at 96 out of 100 (4.8 out of 5 stars) and earns runner-up status with $1,445 in annual savings through a 26% bundle discount.
State Farm leads Kansas in home coverage, ranking first for both coverage options and customer experience. The Drive Safe & Save program uses telematics to reward safe drivers with additional auto discounts on top of bundle savings. Home policies in Kansas are underwritten directly by State Farm Fire and Casualty Company and include personal liability umbrella coverage and replacement cost protection that many regional insurers don't offer.
State Farm's mobile app lets bundled policyholders manage both policies, file claims and reach 24/7 customer service from a single platform.
Cheapest Home and Auto Bundle in Kansas
Farmers is Kansas' most affordable and highest-rated bundle provider at $3,516 per year and a score of 96 out of 100. State Farm offers the biggest discount at 26% and saves policyholders $1,445 annually, but its bundled premium of $4,055 is still higher than Farmers' rate. Rates across Kansas vary. Farm Bureau is at the high end at $6,310 per year, making Farmers the strongest pick for homeowners who want both affordability and quality.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| Farmers | $3,516 | $820 |
| State Farm | $4,055 | $1,445 |
| Allstate | $4,831 | $431 |
| Nationwide | $6,157 | $935 |
| Farm Bureau | $6,310 | $1,065 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Kansas
State Farm has Kansas' biggest bundle discount at 26%, saving policyholders $1,445 per year. Farmers ranks second with a 19% discount worth $820 in annual savings. But the largest discount doesn't guarantee the lowest bill. State Farm's bundled premium of $4,055 is still higher than Farmers' $3,516 rate. For Kansas homeowners focused on total cost, Farmers has the most affordable bundled coverage at $3,516 per year.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| State Farm | 26% | $1,445 | $4,055 |
| Farmers | 19% | $820 | $3,516 |
| Farm Bureau | 14% | $1,065 | $6,310 |
| Nationwide | 13% | $935 | $6,157 |
| Allstate | 8% | $431 | $4,831 |
*Rates are for a good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
How to Get Cheap Home and Auto Bundle Insurance in Kansas
Kansas homeowners pay more for insurance than most states because of severe weather risks, but adjusting coverage and stacking discounts can bring premiums down. The tips below work best in Kansas' market.
Choose a higher deductible
Increasing your home deductible from $500 to $1,000 or higher reduces your premium. You'll pay more out-of-pocket if you file a claim, so ensure you have adequate cash reserves before making this change.
Try a telematics auto program
State Farm's Drive Safe & Save and GEICO's DriveEasy track your driving habits like speed and braking patterns. Safe drivers can earn additional discounts that stack on top of your bundle savings.
Add hail-resistant home features
Impact-resistant roofing, storm shutters and reinforced garage doors can reduce damage from Kansas' frequent hail and tornadoes. These upgrades qualify for premium discounts that stack with bundle savings.
Keep your credit score strong
Kansas insurers use credit-based insurance scoring for both home and auto coverage. Good credit can lower your premiums at renewal and stretch your bundle discount further.
Home and Auto Bundle Insurance in Kansas: FAQ
Do Kansas' regional risks affect bundle insurance rates?
Yes. Kansas' tornado and hail exposure is the main driver of high home insurance premiums, which pushes up bundle costs since home coverage is the larger portion of combined policies. Insurers weigh wind zones, hail frequency ratings and proximity to Tornado Alley when pricing Kansas policies; central and south-central regions pay the highest rates. Installing impact-resistant roofing and storm shutters can help offset premium increases.
Which company has the best bundle in Kansas for homeowners who want more coverage?
State Farm is the top pick for Kansas homeowners seeking broad coverage, with a MoneyGeek score of 96 out of 100. It offers add-ons like equipment breakdown coverage for appliance failures, service line protection for underground utility repairs and disappearing deductibles that reward claim-free years. Farmers matches that score while offering better overall value for homeowners who want both strong coverage and competitive pricing.
Should I bundle home and auto insurance in Kansas?
Yes. Every provider in MoneyGeek's Kansas analysis saves you money when you bundle home and auto. Kansas' high insurance costs make this a smart move for keeping premiums down. Bundling also simplifies billing and renewals. Always compare bundled rates against separate quotes before committing.
Best Cheap Home and Auto Bundle Insurance in Kansas: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Kansas Department of Insurance, Quadrant Information Services, AM Best and J.D. Power. These premiums are averages; actual rates vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Factors in affordability, customer satisfaction ratings from AM Best and J.D. Power, and coverage quality
- Baseline driver: 40-year-old driver with good credit, driving a 2021 Toyota Camry; 50/100 full coverage, $1,000 deductible
- Baseline home: $250,000 in dwelling coverage, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.