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

Each factor below shows how much it affects Kansas home insurance rates.

Location affects Kansas home insurance rates more than any other factor, with premiums varying up to 22% between cities. Weather risks, home values and population density in your area drive these cost differences.

Coverage choices rank second in affecting Kansas home insurance rates, with annual premiums ranging from $1,846 to $12,246. Buy more coverage or choose a lower deductible and you'll pay more. Choose less coverage or a higher deductible and you'll pay less.

Your home's age, construction materials and roof type rank third in affecting Kansas rates, with monthly premiums ranging from $128 to $336. Insurers charge more when your home costs more to replace or faces higher damage risk.

Which company you choose ranks fourth in affecting Kansas rates. Prices range from 31% below to 60% above the state average of $3,057.

Credit score ranks fifth in affecting Kansas rates. Excellent credit earns you the lowest premiums because insurers see you as reliable. Poor credit costs you up to 144% more, with annual rates jumping from $2,825 to $18,530.

Claims history affects Kansas rates less than other factors, changing premiums by up to 13% or $1,133 yearly. If you file multiple claims, insurers see you as risky, so they charge more.

Kansas home insurance costs run high, so saving money matters. Whether you're buying a home or cutting costs, check 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 sits in Tornado Alley, so insurers care deeply about construction quality and roof type. Severe weather hits the state frequently, which means companies evaluate how well your home handles wind and hail before quoting you. Location creates the biggest rate swings in our analysis, with premiums varying up to 22% between cities based on tornado frequency, hail patterns and rebuilding costs.

We built our sample profile around a home constructed in 2000, matching the typical age in Kansas's insurance market. Every rate comparison holds home age constant at this baseline unless we state otherwise. This lets you isolate exactly how coverage amount, credit score or roof type affects what you pay without age skewing the numbers.

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.