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.
Average Home Insurance Cost in Kansas
Updated: May 30, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Kansas range from $1,975 to $53,419 per year, depending on various factors.
Kansas' home insurance premiums are the eighth most expensive in the country, at 39% over the national average.
To find the best home insurance in Kansas, determine your coverage needs, research providers and costs, and gather multiple quotes.
How Much Is Home Insurance in Kansas?
| Kansas Average | $305 | $3,662 | 39% |
| National Average | $220 | $2,635 | 0% |
*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.
Average Home Insurance Cost By City
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.
| Kansas City | $273 | $3,278 |
| Olathe | $255 | $3,055 |
| Overland Park | $265 | $3,182 |
| Topeka | $291 | $3,494 |
| Wichita | $359 | $4,312 |
*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.
Why Is Home Insurance so Expensive in Kansas?
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. Below, we explain each factor in detail.
Rising Claims
More insurance claims lead to increased costs for insurers, which often results in higher premiums for homeowners as companies aim to maintain profitability.
High Weather Risks
Areas with greater exposure to severe weather, such as hurricanes or hail, typically see higher insurance rates due to the increased likelihood of damage-related claims.
Rising Material and Labor Costs
As the cost of building materials and labor rises, so does the cost to repair or rebuild homes, prompting insurers to raise premiums to cover these higher expenses.
State Insurance Laws
State-specific insurance regulations can affect the cost of coverage. Mandates on coverage requirements or claims processes can lead to higher insurance prices for homeowners.
What Affects Kansas Home Insurance Costs?
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.
How Much Does Location Affect Home Insurance Costs?
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.
| Lowest | Olathe | $245 | $2,935 |
| Highest | Wichita | $352 | $4,228 |
How Much Does Coverage Affect Home Insurance 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.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $154 | $1,846 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $1,021 | $12,246 |
How Much Do Home Details Affect Home Insurance 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.
| Lowest | New | Superior | Tile | $128 | $1,533 |
| Highest | Old | Frame | Shake-Treated | $336 | $4,038 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
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.
| Lowest | Auto-Owners Insurance | $210 | $2,521 |
| Highest | Nationwide | $489 | $5,862 |
How Much Does Credit Affect Home Insurance Costs?
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.
| Lowest | Excellent | $235 | $2,825 |
| Highest | Poor | $1,544 | $18,530 |
How Much Does Claims History Affect Home Insurance Costs?
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.
| Lowest | Claim free for 5+ years | $305 | $3,662 |
| Highest | 2 claims in past 5 years | $400 | $4,795 |
Tips to Save on Kansas Home Insurance
With high home insurance costs in Kansas, finding ways to save on premiums is crucial. Whether buying a home or cutting costs, finding a plan that suits your needs is important. Below are tips to help you secure the best and cheapest home insurance in Kansas.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, you should also consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To know whether you’re actually getting a good deal, you’ll need to understand average costs for you and your home specifically. Also, be sure to ask about all home insurance discounts with agents since insurers are not required to apply some of their reductions unless you ask them for home policies.
- 3
Compare Multiple Providers Through Different Avenues
To find the best coverage for your needs, compare multiple insurers apples to apples. Use various methods, including online comparison sites, brokers, provider websites and agents, as quotes can vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in Kansas can help you save on both policies annually.
- 5
Reduce Your Personal Risk Profile
Making improvements like adding storm shutters or home security systems can help you get cheaper premiums on your home. Additionally, improving your credit score can decrease premiums drastically; moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Your state may offer programs to help get affordable coverage if traditional insurers deny you. For example, Kansas offers the TFPA policy to insure you if traditional insurers deny you coverage. While TFPA plans don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Kansas Home Insurance Calculator: Bottom Line
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.
Homeowners Insurance Calculator Kansas: FAQ
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.
How much does homeowners insurance cost in Kansas?
Kansas' average monthly home insurance cost is $305 for a dwelling coverage of $250,000. Your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Kansas Home Insurance Estimates
When determining the average cost of home insurance in Kansas, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.