Average Costs and Cheapest Homeowners Insurance Companies in Kansas

In Kansas, homeowners insurance costs an average of $2,878 per year for $100,000 of dwelling coverage. Travelers is the cheapest home insurance company, with an average yearly cost of $1,866. These figures are based on average home and insurance coverages. MoneyGeek looked into the average insurance costs for a variety of Kansas homeowners from diverse backgrounds.

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Last Updated: 6/25/2022
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Travelers offers the cheapest homeowners insurance in Kansas, with a standard dwelling coverage of $100,000, costing on average $1,866 per year. It is also the cheapest for homeowners with pools and those with bad credit. Farmers is the cheapest for expensive properties, while Allstate is the cheapest for new homes.

MoneyGeek used costs and service measures to break down the best homeowners insurance providers in Kansas if you want to balance cost and quality.

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The Cheapest Homeowners Insurance in Kansas

The Cheapest Homeowners Insurance Quotes in Kansas

MoneyGeek analyzed thousands of quotes from several insurers to determine the most affordable homeowners insurance provider in Kansas for various home coverages. We found Travelers to be the most affordable and widely available insurance company, at roughly $1,866 per year for $100,000 of home coverage.

MoneyGeek also found the following insurance providers to be the cheapest for various baseline dwelling coverages:

  • Cheapest for $100,000: Travelers
  • Cheapest for $250,000: Travelers
  • Cheapest for $500,000: Farmers

USAA is the cheapest for all the listed categories of dwelling coverages, but we didn’t include them in our list because they only serve military members and their families.

The amount of dwelling coverage you need is determined by the cost of rebuilding your home. Compare rates for dwelling coverage that suits your home insurance requirements using the table below.

CHEAPEST HOMEOWNERS INSURANCE BY DWELLING COVERAGE

Dwelling Coverage:

$100,000

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How Much Homeowners Insurance Costs in Kansas on Average

Homeowners' insurance premiums are largely influenced by the level of dwelling coverage you buy. In Kansas, a $100,000 baseline insurance on a dwelling costs an average of $2,878 per year.

The amount of coverage you choose for your home will have a direct impact on your insurance prices. If you want extra protection, you'll have to pay more money for more coverage. A $100,000 home insurance policy costs $2,878 per year on average, while a $3 million home insurance policy costs $61,115 per year on average. The difference in cost between the lowest and highest levels is $58,237.

AVERAGE COST OF HOMEOWNERS INSURANCE BY DWELLING COVERAGE

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  • Dwelling Coverage
    Average Annual Premium
  • $100,000
    $2,878
  • $250,000
    $4,940
  • $500,000
    $8,138
  • $750,000
    $11,363
  • $1,000,000
    $16,375
  • $2,000,000
    $41,448
  • $3,000,000
    $61,115

Find the Cheapest Homeowners Insurance in Kansas With MoneyGeek’s Calculator

Other factors that have an impact on the cost of your homeowners insurance are your home’s value, roof quality, location, personal property, proximity to a fire department, whether you own a pool, if you have an aggressive dog breed, your credit score, frequency of claims and deductible chosen, among others.

If you're weighing your options and trying to figure out how your rate could differ, you may experiment with different dwelling coverage limits, deductibles and limits to see how average Kansas rates will vary according to your requirements.

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Home Insurance Calculator

State

Kansas

Dwelling Coverage

$100,000

Deductible

$500

Liability

$300,000

Personal Property

$20,000

Credit Score

Excellent
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on average

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These are annual estimates. Get a personalized quote to determine your costs.

The Cheapest Homeowners Insurance Companies for Expensive Homes

Moneygeek analyzed thousands of quotes to find the cheapest homeowners insurance company in Kansas for expensive properties.

On average, the two most cost-effective providers for expensive homeowner's insurance are:

  • Farmers: $11,774 per year
  • Allstate: $12,468 per year

MoneyGeek recommends that you shop around and compare quotes from at least three different home insurance providers in order to get the best possible prices for your expensive home.

CHEAPEST HOMEOWNERS INSURANCE COMPANIES FOR HIGH-VALUE HOMES

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The Cheapest Homeowners Insurance Companies for Newer Homes

Because of the more up-to-date construction methods and materials, newer houses are less expensive to insure. MoneyGeek averaged thousands of estimates to find Kansas' lowest-priced provider for newer homes with $250,000 in dwelling insurance.

On average, the cheapest insurance for newer homes in Kansas is from:

  • Allstate: $2,053 per year
  • Travelers: $2,429 per year

USAA is the cheapest, at roughly $1,592. But it’s only available to veterans, active-duty military personnel and families.

Your homeowners insurance premiums may go up if your home is older. Insurance premiums for newer homes in Kansas might be $1,513 cheaper than those for homes built around 2000.

Because of a different method for collecting ZIP codes for homes built in 2000, the figures in this section vary from those in the first section.

CHEAPEST HOMEOWNERS INSURANCE COMPANIES FOR OLDER HOMES

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The Average Cost of Homeowners Insurance in Kansas for Newer Homes

In Kansas, a newly built home's annual homeowner's insurance premium is $2,451. A home built before 2000, on the other hand, has an annual insurance cost of $3,964.

Because of the increased cost of repairing or replacing an older home, insurance premiums for these buildings tend to be more expensive. Besides the difficulty or cost of obtaining older materials, wear and tear must also be taken into consideration.

AVERAGE COST OF HOMEOWNERS INSURANCE BY HOME AGE

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  • Year of Construction
    Average Annual Premium
  • 2015
    $2,451
  • 2000
    $3,964

The Cheapest Homeowners Insurance Companies in Kansas if You Have a Pool

In order to find the best cheap insurance plans for homes with swimming pools, MoneyGeek gathered and evaluated thousands of quotes.

On average, Kansas's two cheapest insurance providers for a $250,000 policy for a home with a pool are:

  • Travelers: $3,256 annually
  • Farmers: $3,345 annually

The overall cheapest is USAA, at approximately $3,204 per year. However, they only serve homeowners from a military background.

Insurance premiums rise in direct proportion to the extent of coverage. As a result, homeowners with pools may see an increase in their insurance prices.

CHEAPEST HOMEOWNERS INSURANCE COMPANIES FOR HOMES WITH A POOL

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The Average Cost of Homeowners Insurance in Kansas for Pool Owners

For dwelling coverage of $250,000, pool owners could pay around $3,973 in annual insurance costs. Similar coverage would cost $3,964 a year without a pool.

AVERAGE COST OF HOMEOWNERS INSURANCE WITH AND WITHOUT POOL

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  • Have a Pool?
    Average Annual Premium
  • With Pool
    $3,973
  • No Pool
    $3,964

Cheapest Home Insurance in Kansas if You Have Poor Credit

If you have bad credit, MoneyGeek can help you find a good insurance provider and insurance policy.

MoneyGeek ranked the top two home insurance companies in Kansas for homeowners with bad credit who were seeking $100,000 in baseline dwelling coverage. On average, they are:

  • Travelers: $2,539 annually
  • AAA: $3,002 annually

The second-best provider is USAA, at roughly $2,563 per year. They are the best for homeowners from military backgrounds.

If you have a bad credit rating, your home insurance premiums will be more than if you have a clean credit history. Insurance companies use credit scores to determine how likely someone is to file a claim.

CHEAPEST HOMEOWNERS INSURANCE COMPANIES FOR POOR CREDIT

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The Average Cost of Homeowners Insurance in Kansas by Credit Score

When it comes to determining home insurance prices, insurance companies take into account a wide range of characteristics. Your credit history is one of them. Poor credit homeowners pay more than those with good credit, on average.

There is a roughly $3,088 difference in insurance costs for homeowners with poor credit versus those with excellent credit.

AVERAGE COST OF HOMEOWNERS INSURANCE BY CREDIT SCORE

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  • Credit Score
    Average Annual Premium
  • Poor
    $8,009
  • Below Fair
    $6,047
  • Fair
    $5,461
  • Good
    $4,921
  • Excellent
    $4,408

Cheap Homeowners Insurance Quotes in Your Kansas City

The cost of your home insurance depends on where you reside in the state. In Wichita, Kansas, Travelers insurance costs an average of $1,866 per year for homeowners insurance. This is $1,012 less than the city average across all companies.

AVERAGE COST OF HOMEOWNERS INSURANCE BY CITY

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  • City
    Average Annual Rate
    Cheapest Company
    Average Annual Rate
  • Wichita
    $2,878
    Travelers
    $1,866

How to Get Cheap Homeowners Insurance Quotes in Kansas

When getting home insurance in Kansas, homeowners need to share some basic personal information with insurers to get a binding quote. This can include your name, address, contact information and social security number. Other considerations that carriers may look into are the current value of your home and the belongings inside it, its age, type and materials, the current condition of the house and the estimated cost for rebuilding. Inform the insurer if you have additional systems like a home security solution or solar energy panels. All of these play a role in determining your annual premium. Make sure you discuss these with the insurance provider to help you find the best homeowners insurance in Kansas suitable for your specific needs.

Using MoneyGeek's home insurance calculator in Kansas, you might be able to get an anonymous estimate of your premiums.

FAQs About Home Insurance Costs in Kansas

There are several factors that affect how much you pay for homeowners insurance in Kansas. MoneyGeek answers some common questions about Kansas home insurance.

Methodology

MoneyGeek analyzed homeowners insurance premiums from nine of the top insurance companies in Kansas that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Kansas. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $100,000, liability coverage of $100,000 and personal property coverage of $100,000.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.