We evaluated insurance quotes for a sample 2,000 square foot home in 42 cities in the state of Kansas in order to determine which cities had the highest and lowest annual home insurance costs. Based on this sample property, Kansas homeowners pay, on average, $2,697 per year. Out of the 42 cities in our study, Lawrence had the most affordable annual home insurance rate of $1,937. Read more about our findings below, or use our quote tool above to start finding homeowners insurance quotes in your area.
- Cheapest Home Insurance Companies
- Homeowners Insurance Rates in Kansas' Largest Cities
- Top 5 Least Expensive Cities for Home Insurance in Kansas
- Top 5 Most Expensive Cities for Home Insurance in Kansas
Cheapest Home Insurance Companies in Kansas
We collected quotes for our sample home across 42 cities from State Farm, Farmers and Allstate. The quotes from each company were averaged to find which insurance companies had the most affordable home insurance rates in Kansas. The graph below shows the average annual costs to insure our sample home by company:
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Homeowners Insurance Rates in Kansas' Largest Cities
We assessed homeowners insurance rates across the largest cities in Kansas. Our study applied control variables to gather quotes that can be compared to one another. On average, the homeowners in the ten largest cities pay $399 less than the state mean for insurance. The cost for home insurance in the ten largest cities was an average of $2,298 per year.
Wichita is the most populous city in the state of Kansas. The city is located in south-central Kansas on the Arkansas River. It was known as "The Air Capital of the World" when it became the hub of U.S. aircraft production in the 1920's and 30's. Many aviation companies have continued to operate their design and manufacturing facilities there. The average cost of home insurance in Wichita was $2,822 per year, which is $125 more than the state mean.
For our sample home, Allstate offered the most affordable home insurance quote in Wichita at $2,483 annually. State Farm, the most expensive insurer in the city, quoted our sample home an annual cost of $3,325, or $842 more than Allstate. Wichita ranked as the most expensive city for homeowners insurance of the largest ten cities in Kansas.
Overland Park, KS
Overland Park is the second largest city in the state of Kansas. The city of Overland Park is one of the more affluent cities in Kansas as well. The top employer is Sprint/Nextel, which employs over 6,000 people in the city. On average, residents of Overland Park pay $2,191 for home insurance annually, which is 19% less than the average in Kansas.
All three home insurance companies in our study quoted similar rates for Overland Park, with State Farm being the least expensive at $2,058 for home insurance, annually. The most expensive home insurance rate was offered by Farmers at $2,394. Out of the 42 cities researched, Overland Park ranked as the eighth cheapest city for homeowners insurance in Kansas.
Kansas City, KS
Kansas City is the third most populous city in Kansas. The city is located on the eastern edge of Kansas and borders Missouri. It is home to the Kansas Speedway, which hosts NASCAR races, as well as the General Motors Fairfax Assembly Plant. On average, residents of Kansas City pay $2,463 for home insurance annually. Our study found that home insurance rates in Kansas City are 9% lower than the average in Kansas.
If you're looking for affordable home insurance rates in Kansas City, we suggest starting with Farmers, which quoted our sample home $1,948 annually. Allstate offered the least affordable rate of $2,802 per year, which is $854 more per year than Farmers. Based on our study, Kansas City is the sixteenth cheapest city for homeowners insurance in Kansas.
Topeka, the capital of Kansas, is the fourth largest city in the state. It is located along the Kansas River in the northeastern part of Kansas. Mars Chocolate opened a factory in 2014, which brought 200 new jobs to the city. Based on our sample home, the average homeowners insurance rate in the city was $2,317, which is 14% less than the state mean.
Home insurance rates in Topeka vary by as much as $793. Farmers quoted the most affordable rate for our sample home at $1,938 per year. Allstate offered the least affordable rate at $2,731 per year, which is $34 more than the average for the state. Out of the ten most populous cities in Kansas, Topeka ranked as the fifth most expensive city.
Olathe is the fifth most populous city in Kansas. It is bordered by two of the other largest cities, Lenexa and Overland Park. In 2014, Olathe opened a community center to protect the landscape and trees in the city. The average annual homeowners insurance quote in Olathe for our sample home was $2,067 per year. Residents of Olathe pay $630 less than the state average.
Farmers quoted the least expensive rate for our sample home in Olathe at $1,662 annually. Allstate offered the most expensive rate at $2,473, which is $811 more than Farmers. Homeowners in the city of Olathe save 23% on their home insurance compared to the state mean.
Lawrence is the sixth largest city in Kansas, located in the northeastern sector of the state. It is home to both the University of Kansas and Haskell Indian Nations University. Lawrence has 54 parks, including community and neighborhood parks. Our research found that the annual home insurance cost in the city was $1,937, which is $760 less than the state mean.
Farmers offered the least expensive rate in Lawrence at $1,729 annually. The most expensive annual rate was $2,186, quoted by State Farm. Lawrence was the cheapest city for homeowners insurance out of all the 42 cities sampled and had the highest percentage of savings from the mean at 28%.
Shawnee is the seventh most populous city in the state and located in northeastern part of Kansas. The city has been recognized for its air quality and affordable housing. We found the mean annual home insurance rate in Shawnee to be $2,207. Our study found that residents pay $490 less each year than the state average.
In Shawnee, Farmers and Allstate offered the same quote for our sample home at $2,270 per year. However, State Farm's rate was the most affordable rate at $2,080 annually, which is $190 cheaper than both Farmers and Allstate. Shawnee had the tenth cheapest average home insurance cost out of the 42 cities surveyed.
Manhattan, nicknamed "The Little Apple", is the eighth most populous city in Kansas. It is located near the Kansas River and the Big Blue River. The city has a college town atmosphere as it is home to Kansas State University. According to our study, the average annual home insurance cost in Manhattan was $2,481. On average, residents pay 8% less for their home insurance than the state mean.
State Farm and Farmers quoted rates within $7 of each other for our sample home. The two insurance companies quoted annual costs of $2,092 and $2,099, respectively. Allstate offered a rate of $3,253, which is $1,161 more than the State Farm's rate of $2,092. Manhattan ranks near the middle for affordable home insurance rates in Kansas, landing at the nineteenth most affordable of the 42 cities in our study.
Lenexa is the ninth largest city in the state of Kansas. Some of the top employers in the city include the United Parcel Service (UPS) and Quest Diagnostics. Lenexa doesn't have a public school district. Instead, students go to the neighboring cities of Shawnee and Olathe. Our study found that homeowners insurance costs, on average, $2,028 per year, which is 25% less than Kansas' mean homeowners insurance rate.
Based on our sample home, the most affordable quote in Lenexa was from Farmers, at an annual cost of $1,733. The least affordable rate was $2,292, which was quoted by Allstate. Lenexa had the third most affordable home insurance cost compared to the other 42 cities from our sample in Kansas.
Salina, located in one of the largest wheat-producing areas, is the tenth most populous city in the state of Kansas. Historically, it was a center of trade for north-central Kansas because of its proximity to two major highways. This led to the city's development and increase in population. The average homeowners insurance rate in Salina was $2,471 per year, which is $226 less than the state average.
State Farm offered the cheapest home insurance quote in the area at $1,867. Allstate quoted our sample home a rate of $3,191 per year, which is $1,324 more than State Farm. According to our research, residents of Salina save 8% as compared to the state average in Kansas for homeowners insurance.
Least Expensive Homeowners Insurance in Kansas: by City
The graph below shows the five most affordable cities of all 42 cities which were part of this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. The figures listed in the graph represent the average home insurance rate in each city. Lawrence is the cheapest city in Kansas for homeowners insurance. On average, residents pay $1,937 annually, which is $760 lower than the state average.
According to our study, Lawrence is the most affordable city in the state of Kansas for homeowners insurance. On average, residents pay $62 less for their homeowners insurance policy than the next most affordable city in Kansas, Leavenworth. Farmers offered the least expensive quote at $1,729.
Leavenworth ranks as the second most affordable for home insurance of the 42 cities sampled in Kansas. The mean home insurance rate in the city was $1,999, which is 26% cheaper than the state average. The most affordable quote in Leavenworth was offered by Farmers at $1,557 annually.
Lenexa offers the third least expensive rate in Kansas for homeowners insurance. The average home insurance quote collected for the city of Lenexa was $2,028, which is $669 less than the state mean. On a percentage basis, this represents a 25% discount.
Olathe offers the fourth most affordable home insurance rates in the state of Kansas. Residents pay on average $2,067 per year, which is $630 less than the state average. The lowest rate in the city was offered by Farmers at $1,662.
Paola is ranked the fifth least expensive city in Kansas for home insurance. On average, residents pay $2,131 for home insurance, which represents a 21% lower rate when compared to the state mean. On an annual basis, residents save $566 on homeowners insurance compared to the state average.
Most Expensive Homeowners Insurance in Kansas: by City
The graph below shows the five least affordable places of all 42 cities from this study. The cities are listed in order of price starting with the highest average rate to the lowest. The figures listed represent the average home insurance rate in each city. The most expensive city for homeowners insurance was Larned where our research found an average annual rate of $3,860, which is $1,162 higher than the state average.
We studied 42 cities, spread out geographically throughout the state of Kansas. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were obtained from State Farm, Farmers and Allstate insurance companies. The rates were then averaged to arrive at a mean value for each city. Below is an alphabetical list of all the cities included in the comparison analysis. We've displayed all cities from Abilene to Winfield with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.
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