Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Kansas are State Farm, Auto-Owners and American Family.
Auto-Owners offers the highest-quality homeowners insurance in Kansas with the lowest average annual premium at $2,493.
Tornado threats drive up insurance costs across Kansas due to its Tornado Alley location. Shop carefully for comprehensive, affordable protection.
State Farm is the best home insurance company for most Kansas homeowners with affordable rates and strong customer experience. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| State Farm | 4.75 | 4 | 3 | 1 |
| Auto-Owners Insurance | 4.93 | 1 | 1 | 3 |
| American Family | 4.66 | 6 | 2 | 2 |
| Farmers | 4.55 | 3 | 4 | 5 |
| Allstate | 4.33 | 5 | 6 | 4 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Between Kansas' urban centers like Wichita and rural farming communities, home insurance rates and provider performance shift significantly. Our research identified the top-rated insurer for major cities across the state based on affordability, customer satisfaction and coverage options.
| Olathe | Auto-Owners Insurance | $1,948 |
| Salina | Auto-Owners Insurance | $2,429 |
| Alden | State Farm | $3,135 |
| Arcadia | Auto-Owners Insurance | $2,057 |
| Kansas City | Auto-Owners Insurance | $2,201 |
| Mission | Auto-Owners Insurance | $2,060 |
| Overland Park | Auto-Owners Insurance | $1,996 |
| Topeka | Auto-Owners Insurance | $2,063 |
| Wichita | Auto-Owners Insurance | $3,257 |
Kansas home insurance costs $3,714 per year on average. Your rate depends on your home and personal profile. Credit score creates the widest price gap: excellent credit homeowners pay around $2,382 yearly, while poor credit raises premiums to $8,615. Dwelling coverage limits also affect your costs. Coverage for a $100,000 home costs $2,057 compared to $6,504 for $500,000 coverage.
Overall average | $3,714 | $310 |
$100,000 dwelling coverage | $2,057 | $171 |
$500,000 dwelling coverage | $6,504 | $542 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $2,382 | $199 |
Poor Credit | $8,615 | $718 |
Compare Kansas home insurance rates to find affordable coverage that protects against the state's severe storms and hail damage. Understanding these local risks helps you secure policies that actually defend your financial investment.
Assess your home's replacement cost and Kansas's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Kansas's high rebuilding costs.
Kansas home insurance averages $3,714 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Kansas-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Kansas's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Kansas homes.
Reassess your dwelling coverage annually to keep up with rising construction costs and your home's current replacement value. Kansas's housing market fluctuations and increased tornado risk mean your coverage needs change over time. Review your policy each year and shop for new quotes, especially after home improvements.
State Farm, Auto-Owners and American Family lead Kansas' home insurance market with strong financial ratings and comprehensive coverage options. Compare quotes from these providers and prioritize protection against hail damage and tornadoes while ensuring adequate rebuilding costs and liability coverage.
Common questions Kansas homeowners ask when shopping for home insurance:
Standard home insurance policies exclude flood damage, leaving homeowners financially vulnerable during flooding events. You'll need separate flood insurance through the National Flood Insurance Program or private insurers to protect your property. This specialized coverage must be purchased before flooding occurs, as policies include waiting periods before becoming effective.
Your dwelling coverage needs to match the full reconstruction cost of your home rather than its current market value. Inventory your personal belongings to calculate adequate personal property protection. Use a construction cost calculator or get a professional appraisal to determine precise rebuilding expenses for your specific property.
Kansas's frequent tornadoes significantly increase home insurance premiums due to the elevated risk of severe property damage and higher claims frequency. Central and eastern Kansas face particularly heightened rates because of greater tornado activity in these regions. However, homeowners can qualify for discounts by installing impact-resistant roofing materials, reinforced windows, and safe rooms, which reduce potential damage while lowering insurance costs.
Replacement cost coverage pays to replace your damaged belongings with new items at current market prices, while actual cash value coverage only reimburses you for what your items were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would buy you a brand-new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Kansas-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Kansas homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Kansas's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Kansas needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Kansas's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Kansas homeowners balancing comprehensive coverage with manageable premiums.
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.
