Updated: March 12, 2026
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Top renters insurer in Kansas: State Farm
Cheapest renters insurance in Kansas: State Farm
Typical renters insurance rate in Kansas: $167 per year
Kansas's best renters insurance provider is State Farm, which earns a MoneyGeek score of 4.9 out of 5. At $9 monthly, it scores well for affordability and customer experience.
The five renters insurance companies in Kansas with the highest MoneyGeek scores are:Â
| State Farm | 4.9 | $9 | $109 |
| Farm Bureau | 4.56 | $10 | $125 |
| Auto-Owners Insurance | 4.48 | $15 | $175 |
| Nationwide | 4.45 | $12 | $141 |
| Allstate | 4.36 | $14 | $162 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Kansas Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
Kansas renters can pay as little as $9 per month through State Farm for $20,000 in personal property coverage. The insurer costs $5 less per month than Kansas's $14 average, saving you $60 per year compared to the state average.
Rates from the 9 most affordable companies range from $9 to $21 monthly for identical coverage. Five of nine insurers charge less than Kansas's $14 state average, giving renters plenty of cheapest renters insurance options.
| State Farm | $9 | $-5 |
| Farm Bureau | $10 | $-4 |
| Nationwide | $12 | $-2 |
| Shelter Insurance | $12 | $-2 |
| Allstate | $14 | $-0 |
| Auto-Owners Insurance | $15 | $1 |
| Farmers | $15 | $1 |
| American Family | $17 | $3 |
| AAA | $21 | $7 |
At $167 annually, Kansas renters pay about $14 per month for renters insurance, which is $2 less than the national average of $16. The state's lower crime rates in many areas and fewer natural disasters help keep premiums affordable, while the abundance of reasonably priced housing options means coverage needs stay manageable for most renters.
Kansas's $14 monthly average serves as a solid benchmark for renters insurance, though costs range from Olathe's lowest rate of $13 monthly ($153 annually) to Alden's highest at $15 per month ($182 annually). Most cities across the state stay within a few dollars of this average, with local crime rates, weather exposure and claims history creating the modest pricing differences.
| Alden | $15 | $182 |
| Arcadia | $14 | $174 |
| Kansas City | $14 | $163 |
| Mission | $13 | $155 |
| Olathe | $13 | $153 |
| Overland Park | $13 | $153 |
| Salina | $14 | $167 |
| Topeka | $14 | $172 |
| Wichita | $15 | $177 |
At the highest coverage level in Kansas, State Farm offers the most affordable renters insurance at $33 monthly for $250,000 in personal property coverage and $300,000 in liability protection. The insurer also provides the cheapest rates for $20,000 in personal property coverage with $100,000 liability limits. State Farm's competitive pricing across these coverage tiers makes it a top choice for Kansas renters seeking budget-friendly financial protection.
| $20K Personal Property / $100K Liability | State Farm | $9 |
| $100K Personal Property / $100K Liability | Allstate | $14 |
| $50K Personal Property / $100K Liability | Allstate | $14 |
| $250K Personal Property / $300K Liability | State Farm | $33 |
Find the right coverage by reviewing policy options, estimating your property value and comparing quotes from multiple insurers.
Rate gaps between insurers add up fast. State Farm charges $9 per month while AAA charges $21 for the same $20,000 in personal property coverage, a $12 monthly difference for identical protection. Pull quotes from at least three insurers using online tools to find the lowest rate quickly.
Pairing your renters and auto policies with one insurer cuts 10% to 25% off both premiums. Companies like State Farm and Auto-Owners specialize in bundling discounts that reduce your overall insurance expenses while consolidating your monthly bills into one payment.
Higher deductibles reduce your monthly premium costs but increase what you'll pay when filing claims. Before raising your deductible, verify your emergency fund can cover the larger out-of-pocket expense if you need to file a claim for damages.
Many money-saving discounts won't apply automatically, so ask what you qualify for. Kansas insurers commonly offer reductions for security systems, smoke detectors, automatic payments, and claims-free records. State Farm also provides good student discounts for renters under 25 maintaining B averages.
Most Kansas landlords require at least $100,000 in liability coverage, even though the state doesn't mandate renters insurance. Factors like pet ownership, credit score and rental history affect your coverage requirements. Your property value, local weather risks and crime rates should inform your coverage limits.
Use our calculator below to find out how much renters insurance you need.
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
Clothes, shoes, bags, belts, hats, gloves, etc.
Review our experts' answers to frequently asked questions below:
State Farm earns the top spot for renters insurance in Kansas with a MoneyGeek score of 4.9 out of 5. At $9 monthly, it offers high customer satisfaction at affordable rates.
Kansas renters insurance costs $14 per month or $167 annually for $20,000 in personal property coverage. The state runs $2 below the national average of $16 monthly because of lower severe weather risks and reduced property crime rates compared to other states.
Allstate offers the cheapest $100,000 renters insurance coverage at $14 monthly, while Kansas averages $37 per month or $441 annually for this tier. Most renters choose $20,000 to $50,000 in coverage instead. The $100,000 option works best for people with expensive belongings or valuable collectibles.
Kansas doesn't require renters insurance by law, but most landlords require at least $100,000 in liability coverage as a lease condition. Your landlord sets specific requirements, which may vary based on rental history, credit score and whether you own pets. Check your lease for exact coverage requirements.
We analyzed Kansas renters insurance companies to find insurers with affordable rates and excellent service.
We gathered quotes for renters with this profile:
Affordability accounted for 50% of each company's score. Customer satisfaction from industry research made up 40%. Add-on coverage options contributed 10%. Companies with the highest combined scores across all factors earned spots on our list of Kansas's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
