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Best homeowners insurance in Kansas of 2023

Allstate, Travelers and Auto-Owners are the best home insurance companies in Kansas, based on Bankrate’s assessment.

Written by
Cate Deventer
Edited by
Maggie Kempken
Updated Apr 06, 2023
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Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
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Compare the best homeowners insurance companies in Kansas

Bankrate’s research revealed that the best homeowners insurance in Kansas comes from Allstate, Travelers, Auto-Owners, State Farm and American Family. To find the top Kansas homeowners insurance companies, we started by reviewing average annual premium data from Quadrant Information Services. Kansas homeowners pay the second-highest average home insurance premium in the country, $3,083 per year (about $257 per month) so finding an insurer with competitive rates is likely a priority for many households.

We know that price isn’t everything, though, so we also looked at third-party scores and ratings. AM Best financial strength ratings can give you a sense of a company’s financial stability, while scores from the 2022 J.D. Power U.S. Home Insurance Study may help you assess an insurer’s customer service.

If you are shopping for the best Kansas homeowners insurance, you might want to start by getting quotes from these companies:

Allstate
3.5
Bankrate Score
Info
AM Best
A+
J.D. Power score
815
/1,000
Average monthly premium
$218
Average annual premium
$2,613
 Get a quote
Travelers
3.3
Bankrate Score
Info
AM Best
A++
J.D. Power score
794
/1,000
Average monthly premium
$195
Average annual premium
$2,339
 Get a quote
Auto-Owners
3.2
Bankrate Score
Info
AM Best
A++
J.D. Power score
825
/1,000
Average monthly premium
$130
Average annual premium
$1,565
 Get a quote
State Farm
3.2
Bankrate Score
Info
AM Best
A++
J.D. Power score
829
/1,000
Average monthly premium
$214
Average annual premium
$2,566
 Read review
American Family
3.1
Bankrate Score
Info
AM Best
A
J.D. Power score
842
/1,000
Average monthly premium
$209
Average annual premium
$2,507
 Get a quote
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The top five home insurance companies in Kansas

Best for personalized coverage

3.5 Bankrate Score
JD Power: 815 AM Best: A+

Average annual premium

$ 2,613 for $250k dwelling
Allstate Review

Explore Bankrate's review

Why Allstate made our list: Allstate’s policies are highly personalizable, with options like yard and garden coverage, electronic data recovery, business property coverage, and coverage for sports and musical equipment available. You might be able to lower your premium by taking advantage of the company’s numerous discounts. Allstate’s customer satisfaction score is below-average, though, according to J.D. Power.

Who Allstate may be good for: If you’re looking for a company that offers plenty of endorsements and discounts to help you craft a policy that fits your unique needs, Allstate might be a good fit.

Best for discounts

3.3 Bankrate Score
JD Power: 794 AM Best: A++

Average annual premium

$ 2,339 for $250k dwelling
Travelers Review

Explore Bankrate's review

Why Travelers made our list: Travelers may have the lowest J.D. Power score on our list, but it could make up for it with its impressive list of discounts. You might save if your home is a certified “green home” by Leadership Energy and Environmental Design (LEED), if you are a new home buyer, or if your home has smart home features. However, Travelers does have a lower-than-average J.D. Power customer and claims satisfaction score. 

Who Travelers may be good for: If you’re looking for plenty of discounts combined with a financially strong company, Travelers could be a good option.

Best for low rates

3.2 Bankrate Score
JD Power: 825 AM Best: A++

Average annual premium

$ 1,565 for $250k dwelling
Auto-Owners Review

Explore Bankrate's review

Why Auto-Owners made our list: Auto-Owners may not be the most recognizable name on our list, but the company offers coverage in 26 states, including Kansas. On top of its low rates, Auto-Owners also offers several discounts which may help you save even more. Coverage is sold by a network of local agents, which can be an appealing feature, but its digital tools leave a lot to be desired.

Who Auto-Owners may be good for: If budget is your primary concern, Auto-Owners may be worth your consideration, as the company has low average premiums in Kansas.

Best for local agencies

3.2 Bankrate Score
JD Power: 829 AM Best: A++

Average annual premium

$ 2,566 for $250k dwelling
State Farm Review

Explore Bankrate's review

Why State Farm made our list: State Farm has one of the largest agent networks in the country, with over 19,000 licensed insurance professionals. The company sells numerous types of insurance as well as banking products, which might be appealing if you like to consolidate your financial products with one company. Although State Farm has high third-party ratings and scores, its average premium is higher than other carriers on our list.

Who State Farm may be good for: If you like to handle your insurance needs at a local agency, State Farm might be a good choice.

Best for customer satisfaction

3.1 Bankrate Score
JD Power: 842 AM Best: A

Average annual premium

$ 2,507 for $250k dwelling
American Family Review

Explore Bankrate's review

Why American Family made our list: With the highest J.D. Power customer satisfaction score on our list, American Family may fit the needs of many households. The company offers several endorsements that may appeal to Kansas homeowners specifically. For example, you might want to add matching siding coverage to ensure that any damaged and replaced siding matches the rest of your home. You could also add water backup coverage, credit theft protection and monitoring and equipment breakdown coverage. However, American Family’s AM Best financial strength rating is the lowest on our list (though still relatively high).

Who American Family may be good for: American Family could be the right fit if you are looking for superior customer service.

How Bankrate chose the best home insurance companies in Kansas 

To find the best home insurance companies in Kansas, we started by analyzing average annual premiums obtained from Quadrant Information Services for the largest companies in the state by market share. Even in a state with expensive average home insurance rates, though, price isn’t the only factor to think about. Other considerations when shopping for Kansas homeowners insurance include third-party scores and ratings, coverage offerings, discounts, digital tools and company accessibility. 

We analyzed all these factors and combined the data into a proprietary Bankrate Score. Our Scores are on a scale of 0.0 to 5.0, with higher scores indicating higher rankings in the underlying categories. Our Bankrate Score may help you more quickly identify which Kansas home insurance companies best fit your needs.

How much is home insurance in Kansas?

On average, Kansas residents pay $3,083 per year in home insurance premiums for $250,000 in dwelling coverage. This is about 116 percent higher than the national average cost of home insurance, which is $1,428 annually for the same coverage amount. Kansas is the second-most-expensive state for home insurance in the nation, with only Oklahoma homeowners paying higher average home insurance premiums.

The state’s high average premium is likely due, at least partially, to the high claim payouts for catastrophic storm events. In 2022, Kansas had the fourth-highest number of major hail events in the country and the sixth-highest number of tornadoes. When an area has a higher risk of claims, it means insurers are at greater risk for paying out large sums for damage, which means rates have to be higher to compensate. And the more coverage you need, the more you’re likely to pay. Below are the average rates for our top picks across a range of dwelling coverage limits.

Average annual premium by coverage level in Kansas

Allstate
$150K
$1,651
$250K
$2,613
$350K
$3,623
$450K
$4,628
$750K
$7,735
Travelers
$150K
$1,616
$250K
$2,339
$350K
$3,057
$450K
$3,612
$750K
$4,971
Auto-Owners
$150K
$1,202
$250K
$1,565
$350K
$1,907
$450K
$2,301
$750K
$3,861
State Farm
$150K
$1,817
$250K
$2,566
$350K
$3,131
$450K
$3,872
$750K
$6,041
American Family
$150K
$1,997
$250K
$2,507
$350K
$2,969
$450K
$3,404
$750K
$4,442
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

The area you live within Kansas impacts your home insurance premiums just as much as the state itself. Some areas may have lower risks of damage or a lower cost of living, which translates to lower rates. Based on our research, these five cities have the cheapest Kansas homeowners insurance rates, on average:

  • Fairview: $2,649 — 14 percent below state average
  • Effingham: $2,658 — 14 percent below state average
  • Lecompton: $2,670 — 13 percent below state average
  • Cummings: $2,673 — 13 percent below state average
  • Muscotah: $2,691 — 13 percent below state average

In areas of Kansas with higher likelihoods of damage or higher costs associated with repairing damage, rates will generally be above average. These five cities are the most expensive for home insurance in Kansas, all averaging about 10 percent higher than the state average:

  • Holyrood: 3,396 — 10 percent above state average
  • Derby: $3,393 — 10 percent above state average
  • Florence: $3,393 — 10 percent above state average
  • Maize: $3,392 — 10 percent above state average
  • Raymond: $3,391 — 10 percent above state average

How to find the best cheap home insurance in Kansas

When shopping for the best Kansas homeowners insurance, it helps to understand the common causes of damage in your area and what coverage can protect your finances from the cost of repairs. Choosing the right homeowners coverage types can provide peace of mind against the damages your home can be subjected to. 

  1. Understand your needs: Before you start to shop for home insurance, understand what you want and need from a policy and company. Are you looking for the lowest rate? A digital app? Excellent claims service? Understanding your unique situation will better  prepare you to choose the right insurer for you.
  2. Research insurers: Once you have your needs figured out, you can start to research companies that might fit your needs. Pay attention to coverage offerings, discounts and third-party scores to get a well-rounded view of each carrier.
  3. Request and compare quotes: You can often get quotes online, but you might need to call or visit an agency depending on the companies you’re reviewing. While finding a cheap home insurance company may be a priority, given the state’s high average rates, remember to review more than just price as you compare home insurance quotes.
  4. Choose and buy a policy: Once you’ve reviewed your quotes and have found a company that you’d like to proceed with, you can purchase your home insurance policy. Your agent or a company representative will walk you through the steps needed to secure coverage.
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

Common home insurance discounts in Kansas

One of the easiest ways to save on Kansas home insurance is to take advantage of discounts. Most carriers offer at least a few home insurance discounts, which could help you lower the cost of your coverage. Discounts vary by company, but here are some common savings opportunities in Kansas:

Home insurance coverage options in Kansas

Knowing that Kansas is at high risk for weather-related home damage, you should consider tailoring your policy to the specific needs in the area. If you live in Kansas, here are some coverage types and endorsements to think about: 

  • Flood insurance: The southeast corner of Kansas is at a higher-than-average risk for flooding, but this type of damage is not covered under a standard homeowners insurance policy. You will likely need to buy a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurance company, although some companies might offer flood coverage as an endorsement. 
  • Water backup coverage: Heavy rains and clogged drain lines can often lead to water backing up in your crawlspace, basement or into any other area of your home. For this damage to be covered, you will need a water backup endorsement, which is a commonly offered option.
  • Roof replacement cost: If your roof is newer and in good condition, you might qualify for roof replacement cost coverage. This means that if your roof is damaged, you will get the actual cost to repair or replace it rather than getting a depreciated amount. Knowing that Kansas is at such a high risk for hail and wind damage, this coverage could be a wise choice.
  • Wind coverage: Damage caused by windstorms is typically covered by standard homeowners insurance policies, but may carry a separate deductible. Understanding how your policy would respond to wind damage can be helpful.

Because Kansas is at a relatively high risk for home damage, working with an agent to choose coverages that are appropriate for you might be worthwhile.

Frequently asked questions

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Maggie Kempken
Insurance Editor