Average Home Insurance Cost in Kansas

Kansas's average home insurance premium is $310 monthly or $3,714 annually. Residents pay $21 more per month ($247 more annually) than the national average, which is 7% higher. Kansas ranks as the 12th most expensive state for home insurance coverage.

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

Kansas home insurance costs vary based on multiple factors. Your location, coverage limits, home's construction materials, insurance company, credit score and claims history all impact your premium. Each of these elements plays a different role in determining what you'll pay for coverage.

Home insurance prices in Kansas depend heavily on where you live. Monthly premiums start around $263 in Olathe and rise to about $374 in Wichita, adding up to a $1,326 difference over a year. 

Kansas City and Mission sit near the middle of the range, with averages close to $275 per month. Meanwhile, residents in towns like Alden and Salina often see higher bills exceeding $330 monthly due to localized risk conditions.

Your coverage amount has a clear impact on what you pay for Kansas home insurance. A policy with $100,000 in dwelling coverage averages about $171 per month, or $2,057 per year. At the other end of the range, $1 million in dwelling coverage pushes costs to roughly $981 per month, or $11,769 annually. 

Lower coverage limits and higher deductibles can bring premiums down, but coverage should still align with what it would cost to rebuild your home.

Price differences between Kansas home insurance companies can be wide. Auto-Owners often comes in close to $100 per month lower than larger carriers such as Allstate at $296 and American Family at $333. State Farm sits closer to the middle at around $251 per month, which may appeal to homeowners who value a familiar name and consistent service.

Credit history has a strong influence on what Kansas homeowners pay for insurance. Insurers tend to offer lower premiums to applicants with higher credit scores because they associate them with fewer claims. Depending on your credit profile, annual home insurance costs can fall anywhere between $2,383 and $8,615.

The age of your home can change what you pay for insurance in Kansas. Properties built in 2020 average about $2,518 per year, compared to roughly $3,714 for homes constructed in 1980. That gap puts newer homes at about a 30% lower cost than older properties.

Kansas home insurance costs stay higher than average because of frequent severe weather and increasing rebuilding expenses. The combination of storm exposure and higher construction costs continues to put upward pressure on premiums across the state.

Kansas home insurance costs keep trending upward, which makes finding the cheapest home insurance in Kansas a priority for many homeowners. The strategies below can help both first-time buyers and current policyholders lower their premiums without sacrificing the coverage they need.

Kansas homeowners insurance costs depend on various factors specific to your property and location. The following FAQs help you understand what affects your rates and estimate potential expenses for coverage in Kansas.

MoneyGeek calculated Kansas home insurance estimates using real rate data from major insurers. We created a standard homeowner profile to ensure fair comparisons across different companies and risk factors.

Our baseline profile includes $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. The model home was built in 2000 with frame construction and a composition roof, with no insurance claims filed in the past five years.

This profile matches typical Kansas homeowners. The $250,000 dwelling amount reflects median home values across many Kansas communities. Homes built in 2000 represent the most common age range in the state.

We tested how individual factors affect rates by changing one element while keeping everything else the same. For example, when studying how home age impacts costs, we compared identical policies for homes built in 1980, 2000 and 2020. This method shows the true effect each factor has on your premium.

Your actual rates will be different depending on your home's specific features, location, coverage choices, claims history, credit score and the insurer you select. These rate comparisons show which factors matter most when shopping for coverage.