Average Home Insurance Cost in Kansas

Kansas' average home insurance costs about $305 monthly or $3,662 annually. Residents pay $86 more per month, or $1,027 more annually, than the national average, making it the eighth most expensive state in the country.

*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.

Depending on your city, various risk factors, including your property’s age, weather-related factors and home valuations, change drastically, affecting home insurance costs. For example, the average monthly home insurance cost in Kansas City is around $273; in Wichita, it’s much higher at $359.

*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.

Home insurance is expensive in Kansas because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws.

Like for most home insurance companies, regardless of state, pricing is affected by these factors:

• Location
• Coverage chosen
• Home build details
• Provider chosen
• Credit
• Claims history

We've highlighted how much each factor affects rates specific to Kansas for these major factors.

Location is the biggest factor affecting home insurance rates in Kansas, with rates varying by up to 22%. Weather risks, home value and population density in your area play a major role in determining costs.

Coverage choices are the second most influential factor in Kansas home insurance rates, averaging from $1,846 to $12,246 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.

Home details like age, construction materials and roof type are the third most influential factor in Kansas homeowners insurance rates, averaging from $128 to $336 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.

Your choice of insurer is the fourth most influential factor in Kansas home insurance rates, with prices ranging from 31% below to 60% above the state average.

A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 144%, with annual average rates ranging from $2,825 to $18,530.

 In Kansas, claims history has a smaller impact on cost than other factors, affecting rates by up to 13% or $1,133 annually. Filing more claims increases perceived risk, leading to higher premiums.

With high home insurance costs in Kansas, finding ways to save on premiums is crucial. Whether buying a home or cutting costs, you can find the best and cheapest home insurance in Kansas.

Home insurance costs vary due to location and coverage level. To secure the best rates, research your needs and average prices, then use our estimate tool to find the best deal.

The cost of homeowners insurance in Kansas depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.

Kansas homeowners pay the eighth-highest insurance rates in the country because severe weather, particularly tornadoes and hailstorms sweeping across the plains, drives up claims costs statewide. We built this analysis to show you what factors affect your premiums most and how you can find coverage that protects your home without overpaying in one of America's most challenging insurance markets.

We collected rate data from major insurers operating in Kansas and analyzed premiums across the variables that create the biggest price differences: coverage levels, provider choice, home construction details, credit scores, claims history, and location.

Our baseline home profile:

We started with a home built in 2000 using frame construction with composition roofing, requiring $250,000 in dwelling coverage, $125,000 in personal property coverage, and $200,000 in liability coverage. We used a $1,000 deductible, a claims-free history spanning five years, and a fire protection level of 3. This represents typical coverage for Kansas's median home value and construction standards.

From there, we adjusted variables one at a time to isolate their impact on premiums. We tested coverage levels ranging from lower to higher dwelling protection amounts, compared rates across different home ages and construction materials, analyzed premium differences across credit score ranges, examined how filing claims affects future rates, and evaluated pricing variations between insurance providers.

Why this methodology works:

Kansas's location in Tornado Alley makes construction quality and roof type particularly important factors in your premiums. The state's severe weather patterns mean insurers carefully evaluate how well your home can withstand wind and hail damage when setting rates. Our data shows location drives the biggest rate differences, with premiums varying up to 22% between cities due to tornado frequency, hail patterns, and local construction costs.

We used 2000 as our baseline construction year to reflect the typical age of homes in Kansas's insurance market, allowing for accurate comparisons across other variables. All rate comparisons in our analysis assume this same home age unless otherwise specified, ensuring you can see exactly how each individual factor affects your costs.

This research prioritizes the factors Kansas homeowners can control when shopping for coverage. You can choose your coverage amounts strategically, compare insurers who price your home differently, improve your credit over time to unlock significant savings, and understand how your home's specific characteristics affect what you'll pay for financial protection against the state's relentless weather risks.