Below are our picks for the best home and auto insurance bundling companies in Kansas:
Best Home and Auto Insurance in Kansas
Updated: April 4, 2025
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Key Takeaways
Auto-Owners, State Farm and Farmers are the best home and auto insurance companies in Kansas.
State Farm offers the best home and auto insurance discount, with savings of 18% on auto and 35% on home insurance.
Kansas' average annual cost of home and auto insurance is $4,617, about 49% higher than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Kansas?
| Auto-Owners | 100 | $2,970 | $301 |
| State Farm | 85 | $3,050 | $1,353 |
| Farmers | 76 | $4,235 | $887 |
| Nationwide | 71 | $7,553 | $1,185 |
| Allstate | 69 | $5,278 | $469 |
Auto-Owners: Best Cheap Home and Auto Insurance in Kansas
Auto-Owners is the most affordable home and auto insurance provider in Kansas and ranks first in our study. The company offers many discounts, including several ways for younger drivers to save money. Auto-Owners also ranks third for customer satisfaction in J.D. Power's auto insurance study.
| Auto | $952 | $66 | 6% |
| Home | $2,018 | $235 | 10% |
State Farm: Best Customer Experience for Home and Auto Insurance in Kansas
State Farm is the second-most affordable provider in Kansas and offers the largest discount for bundling policies in the state. It's also one of the top companies for customer satisfaction in our study. State Farm ranks fifth for auto and seventh for home insurance in J.D. Power's customer satisfaction rankings.
| Auto | $906 | $197 | 18% |
| Home | $2,144 | $1,155 | 35% |
Farmers: Best Home and Auto Insurance Coverage Options in Kansas
Farmers ranks third in affordability for Kansas home and auto insurance but stands out for unique coverages. These include rideshare insurance, new car replacement and custom parts coverage. Home insurance options feature residence glass and valuable item protection.
| Auto | $1,180 | $129 | 10% |
| Home | $3,054 | $758 | 20% |
Kansas Home and Auto Insurance Cost
Kansas home and auto insurance costs average $385 per month, 49% higher than the national average of $258. Rates range from $247 to $629 per month, depending on the provider.
| Kansas home and auto insurance bundle | $4,617 | $-1,523 | 49% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Kansas Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance can be more expensive in Kansas, your quotes may differ. Below are the average costs of all coverage combinations from our top providers, sorted from least to most expensive.
| Nationwide | Auto-Owners | $3,163 |
| State Farm | Auto-Owners | $3,356 |
| Farmers | Auto-Owners | $3,562 |
| Allstate | Auto-Owners | $3,688 |
| Nationwide | State Farm | $4,210 |
| Auto-Owners | State Farm | $4,317 |
| Farmers | State Farm | $4,609 |
| Nationwide | Farmers | $4,723 |
| Allstate | State Farm | $4,734 |
| Auto-Owners | Farmers | $4,830 |
| State Farm | Farmers | $4,916 |
| Nationwide | Allstate | $5,222 |
| Allstate | Farmers | $5,247 |
| Auto-Owners | Allstate | $5,329 |
| State Farm | Allstate | $5,415 |
| Farmers | Allstate | $5,621 |
| Auto-Owners | Nationwide | $8,844 |
| State Farm | Nationwide | $8,930 |
| Farmers | Nationwide | $9,136 |
| Allstate | Nationwide | $9,262 |
Should I Bundle Home and Auto Insurance in Kansas?
Bundling home and auto insurance in Kansas is typically cheaper than buying separate policies. However, you should evaluate your coverage needs and budget to find the best option.
Bundling discounts save you more than individual policies
Bundling home and auto insurance in Kansas can save you up to $193 a year. The cheapest annual cost without bundling is $3,163, while it drops to $2,970 with bundling.
Bundling makes policy management convenient
Bundling home and auto insurance lets you manage everything through one account, making it easier to track your policies.
In rare cases, it might be better not to bundle in Kansas
Sometimes, choosing separate policies might not save you more money, but it can give you more flexibility in coverage options.
Best Auto and Home Insurance in Kansas: Bottom Line
Auto-Owners, State Farm and Farmers are the top choices for bundling home and auto insurance in Kansas. Bundling saves money compared to separate purchases. Compare quotes from multiple companies to find the best deal for your situation.
Home and Auto Insurance in Kansas: FAQ
Find expert answers to common questions about home and auto insurance in Kansas:
Who has the best home and auto insurance in Kansas?
In Kansas, the top home and auto insurance provider is Auto-Owners, while the best customer experience is with State Farm. For the best coverage options, we recommend Farmers.
Who has the cheapest home and auto insurance in Kansas?
Auto-Owners offers the cheapest home and auto insurance bundle in Kansas, with an annual premium of $2,970. Policyholders can save around $301 compared to the state average.
How much does home and auto insurance in Kansas cost on average?
Kansas' average annual premium for a home and auto insurance bundle is $4,617, about 49% higher than the national average. The lowest bundle rate is $2,970, while the highest is $7,553.
Is bundling home and auto insurance cheaper in Kansas?
Bundling home and auto insurance is typically cheaper in Kansas. While the cheapest option may seem appealing, make sure you have enough financial protection from major losses. Balance cost with your coverage needs.
Best Auto and Home Insurance Bundle in Kansas: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Kansas Department of Insurance and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Kansas
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Kansas
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.