State Farm, Farm Bureau and Allstate are Kansas' best cheap renters insurance companies. Allstate tops the list for affordable rates, State Farm leads in customer reputation, and Farm Bureau offers the best coverage options.
Cheap Renters Insurance in Kansas
Updated: April 25, 2025
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Key Takeaways
Allstate offers the cheapest renters insurance in Kansas, starting at $162 annually. State Farm is the best overall renters insurance company.
Renters insurance in Kansas costs around $18 per month but ranges from $14 to $39.
To get the best and most affordable renters insurance, decide your coverage needs beforehand, research costs and compare multiple quotes.
Kansas Renters Insurance Quote Estimates
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Rates updated:
Jun 06, 2025
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Best Cheap Renters Insurance Companies in Kansas
| State Farm | 91 | $18 | $215 |
| Farm Bureau | 89 | $22 | $269 |
| Nationwide | 88 | $32 | $380 |
| American Family | 86 | $39 | $471 |
| Allstate | 86 | $14 | $162 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in Kansas
While the above list covers most renters, it may not reflect the best options for your needs. Below is a filterable table tailored to your profile to help you find the best choice in Kansas.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| Farm Bureau | 91 | $11 | $129 |
| State Farm | 90 | $11 | $133 |
| Allstate | 76 | $14 | $162 |
| Shelter | 65 | $15 | $183 |
| Nationwide | 60 | $19 | $231 |
Best Kansas Renters Insurance Reviews
Below, we provide more details about our top picks for affordability, customer service and coverage options for Kansas renters insurance.
Allstate: Most Affordable Plans
pros
Lowest rates
Largest discount offering selection
High financial stability ratings
cons
Below-average customer satisfaction
Limited add-on coverage options
COMPANY HIGHLIGHTS
Allstate offers Kansas' lowest overall renters insurance rates, averaging $14 monthly. It offers unique discounts if you enroll in autopay and are a retiree over 55. However, the company has lower-than-average J.D. Power ratings for customer satisfaction and claims.
State Farm: Best for Customer Service
pros
High customer satisfaction ratings
Affordable rates for most renters
cons
Smaller add-on coverage selection
COMPANY HIGHLIGHTS
State Farm offers Kansas' second-most affordable renters insurance, with the best overall customer satisfaction among our picks. It ranks seventh in recent J.D. Power studies. Its excellent add-on coverage options include earthquake, flood and identity theft protection plans.
Farm Bureau: Best for Coverage Options
pros
Affordable rates for lower coverage
Most extensive add-on coverage selection
cons
Low customer satisfaction ratings
COMPANY HIGHLIGHTS
Farm Bureau is Kansas' third-most affordable renters insurance option, with good rates for lower coverage levels. It offers the best overall coverage options, including food spoilage coverage and debris removal after natural disasters.
Average Cost of Renters Insurance in Kansas
On average, renters insurance costs $16 monthly in Kansas, $4 lower than the national average of $20. These rates are based on a policy with $50K in personal property coverage, $100K in liability coverage and a $1,000 deductible.
Your rate may vary depending on your profile. The table below provides average rates for your situation based on major factors affecting insurance costs.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $16 | $197 |
Average Kansas Renters Insurance Cost by City
Renters insurance costs vary by city. The average annual premium in Kansas City is $184; in Olathe, it's $169 for a policy with $50K in personal property coverage and $100K in liability coverage. Check the table below for the average cost in your city.
| Kansas City | $184 |
| Olathe | $169 |
| Overland Park | $171 |
| Topeka | $179 |
| Wichita | $186 |
*This table shows rates for a renter with good credit and no claims history. Policies include $50K property damage coverage, $100K liability coverage, a $1,000 deductible and guaranteed replacement.
Kansas Renters Insurance: Buyer's Guide
Choosing renters insurance in Kansas can be challenging. This guide will help you find the best coverage.
How to Find the Best Cheap Renters Insurance in Kansas
Follow these steps to find the right renters insurance coverage:
- 1
Determine the right coverage level
Assess your belongings' value and consider risks like weather, crime and potential pet liabilities.
- 2
Research costs and discounts
Learn average costs for your situation and find discounts you qualify for.
- 3
Compare providers
Research companies' reputations and coverage options before getting quotes.
- 4
Consider bundling
Check if bundling with auto insurance offers discounts that might cover your renters insurance cost.
- 5
Get multiple quotes through different channels
Collect at least five quotes from comparison sites, provider websites, brokers and agents.
- 6
Review your policy annually
Insurance rates change often, so compare options yearly to ensure you still get the best deal.
How Much Renters Insurance Do I Need in Kansas?
Renters insurance isn't required by Kansas law, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit score and pet ownership. Consider how much property coverage you need, local weather risks, area crime rates and pet ownership when selecting a policy.
Use our calculator to determine your ideal personal property coverage limits and how much renters insurance you need.
Personal Property Coverage Calculator
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.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Kansas Renter Risk Considerations
Below are the risks specific to Kansas and considerations for renters seeking additional coverage:
- Weather risks: Severe storms are Kansas' most common natural disaster. The state also faces a high risk of tornado, flooding and drought damage in certain locations. Standard coverage may not protect against these threats in high-risk areas, requiring a separate purchase of additional coverage.
- Crime risks: Kansas ranks 17th nationwide for property crime and 33rd for identity theft and fraud. For better property damage protection, consider adding supplemental coverage or add-ons to your renters policy.
- Pet ownership: Depending on your pet, consider pet liability coverage. Check how different providers handle pet coverage and whether it's included in standard policies.
- Property types: Standard policies may not fully cover special tools, valuables, electronics or structures like pools on your rental property. Look for companies offering specific add-ons for additional protection.
How Does Renters Insurance Coverage Work?
Renters insurance typically covers damage to your property, liability to others and loss of use of your rental home. Adding optional coverages can make your policy more comprehensive. Here are the main types of renters insurance coverage:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Pays for damaged or stolen personal items up to your policy limit. Basic coverage reimburses the depreciated value, while replacement cost coverage pays for new equivalent items. | |
Standard | Covers medical and legal costs if someone gets hurt in your rental. Many landlords require this protection. | |
Additional living expenses | Standard | Helps pay for temporary housing, meals and transportation when your rental becomes uninhabitable. Limits vary by insurer. |
Natural disasters | Add-on | Provides coverage for earthquake or flood damage. Available through select insurers as separate policies. |
Parts/Equipment | Add-on | Covers tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures valuable items up to specific limits |
Identity theft | Add-on | Covers financial losses and legal expenses from identity theft. Some policies include monitoring services. |
Pet liability | Add-on | Protects against injuries caused by your pet, though standard policies may include this |
Modifications | Add-on | Covers custom additions you've made to your rental |
Food loss | Add-on | Reimburses food lost during covered incidents |
Best Renters Insurance in Kansas: Bottom Line
Kansas' best and cheapest overall renters insurance companies are Allstate, State Farm and Farm Bureau. While we recommend these options, research and compare multiple companies and quotes to get the best deal.
Renters Insurance in Kansas: FAQ
Below are our experts' answers to frequently asked questions:
What is the cheapest renters insurance company in Kansas?
Allstate offers the cheapest renters insurance in Kansas, with an average annual premium of $162 or $14 per month.
What is the best renters insurance company in Kansas?
State Farm is the best renters insurance company in Kansas, with a MoneyGeek score of 91 out of 100 for its outstanding balance of cost effectiveness, customer satisfaction and comprehensive coverage.
How much does renters insurance cost in Kansas?
The average cost of renters insurance in Kansas is $197 per year or $16 per month, 19% lower than the national average. Annual premiums range from $162 to $471.
Is renters insurance required in Kansas?
Kansas doesn't legally require renters insurance, but your landlord may. Consider your situation to decide if a policy makes sense for you. Key reasons to get coverage include protecting your belongings from common hazards and covering liability costs if someone gets hurt in your rental.
How We Found the Best Cheap Renters Insurance Companies
To find the cheapest renters insurance in Kansas, we used this base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
This profile determined our affordability score (60% of the total score). The remaining factors included:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
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.
sources
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed April 25, 2025.
- National Centers for Environmental Information. "Kansas Summary." Accessed April 25, 2025.
- U.S. News. "Low Property Crime Rate." Accessed April 25, 2025.