The Best and Cheapest Homeowners Insurance in Kansas

Find the Cheapest Homeowners Insurance Quotes in Your Area

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After comparing hundreds of quotes from across the state, we've determined that the best homeowners insurance provider in Kansas is Farmers Insurance. Farmers combines favorable customer service with an average annual premium of $1,793, which is almost 30% less than Kansas' average price of $2,461. Your price might vary due to your location, your desired coverage and your claim history, but you can read our recommendations below or use the quotebox above to get in touch with an insurer near you.

Best for most people: Farmers Insurance

Farmers's affordable prices and discounts for most Kansans allows you to take advantage of its many endorsements.

Read our full review of Farmers

The best homeowners insurance company for most people in Kansas is Farmers Insurance. The company mixes affordable prices with above-average customer service. The average price of homeowners insurance from Farmers is $1,793, which is almost 30% less than the mean cost in the state. Farmers also offers a useful identity theft protection upgrade, as well as an endorsement that gives you funds to rebuild your home using environmentally friendly materials.

Farmers has received scores from the National Association of Insurance Commissioners (NAIC) that indicate its policyholders are satisfied with service. On the NAIC's complaint index, Farmers has 60% fewer complaints than is to be expected for a company its size.

You may be eligible for a variety of discounts from Farmers, too. You can receive discounts if you have another policy with the insurer, if you're a nonsmoker, and if you renovate or upgrade parts of your home. Attaining these discounts could also save you money in the long run. Because hail commonly pelts Kansas, having a reinforced roof or windows could allow you to avoid the cost of repairs and the chance of increasing your premiums if you would have to make claims on damage.

Best for affordable homeowners insurance: Marysville Mutual Insurance Co.

This company's affordable homeowners policies could make it a considerable bargain in a state where prices are typically more expensive.

The cheapest homeowners insurance company in Kansas is Marysville Mutual Insurance Co., which offers policies that cost an average of $1,485 per year. This is nearly $1,000 cheaper than the mean cost we calculated in Kansas. Although Marysville Mutual also has the highest complaint index among insurers we surveyed at 1.04, this doesn't disqualify the company from consideration. In fact, the NAIC's figure means that Marysville Mutual has a relatively normal number of complaints for a company its size.

Marysville Mutual sells two types of homeowners insurance policies: standard and preferred coverage. Preferred customers receive replacement cost dwelling and contents coverage, which doesn't account for your home's depreciation in your compensation after a claim. Unfortunately, the company doesn't have a thorough online experience, so you have to visit a storefront or contact an agent through the Marysville Mutual website to receive coverage. However, you can pay your bills online afterward.

Best for bundling: Auto Club Family Insurance (AAA)

You could see potentially significant discounts if you bundle with Auto Club Family.

Read our full review of AAA insurance clubs

If you already have auto insurance from Auto Club Family Insurance (a part of the AAA network of insurance clubs), then you might consider purchasing a homeowners insurance policy, too. By bundling with AAA, you could save up to 25% on your homeowners insurance. The average price of home insurance from AAA is $2,683. This price is about 9% more expensive than Kansas' statewide average, but the perks of a policy from this company could outweigh the downside of the cost.

Once you have homeowners insurance from AAA, you might consider joining the insurer's well-known membership benefits program to get extra perks that could save you additional money — especially if you're a frequent traveler. For instance, you could score reduced prices on airfare, car rentals, theme park entrance fees and movie tickets.

Best for military families: USAA

USAA's standard replacement cost coverage could be valuable protection against Kansas's bad weather

Read our full review of USAA

USAA's homeowners insurance in Kansas carries an average price of $2,105, which is 15% lower than the state's mean. The company also received the highest customer satisfaction rating of any of the insurers in our study. If you or a family member is an active-duty or retired service member, you should consider getting a policy from the company.

A standard homeowners insurance policy from USAA comes with replacement cost coverage — usually, you'd have to pay extra to upgrade to this type of protection. Replacement cost coverage is especially useful in Kansas because you could rebuild your home if it’s hit by a tornado. Because of USAA's low prices, you can receive the additional coverage while staying under the state's average cost.

Homeowners insurance companies with the best and worst customer service in Kansas

To contrast the quality of the state's top homeowners insurance providers, we used the NAIC's complaint index, J.D. Power’s rankings and AM Best’s Financial Strength Rating. The companies with the best customer service are USAA, State Farm and Travelers, while those with the worst customer service are Marysville Mutual Insurance Co., American Family Insurance and Auto Club Family (AAA).

Company nameNAIC valueJ.D. PowerAM Best
State Farm0.203/5A++
American Family Insurance0.693/5A
Farm Bureau0.34N/AA
Farmers0.393/5A
Travelers0.302/5A++
Allstate0.313/5A+
USAA0.155/5A++
Marysville Mutual Insurance Co.1.04N/AA-
AAA0.623/5A-
Only companies with 1% market share or greater were included in this analysis. If a company had several underwriters, we combined them into one parent company.

Cheapest options for homeowners insurance in Kansas

In the process of retrieving homeowners insurance quotes, we found that the cheapest provider in Kansas is Marysville Mutual, who offers policies for an average of $1,485 per year. The average cost of homeowners insurance in Kansas is $2,461. This number is more than double $1,083, the average price of coverage nationwide. The cheapest homeowners insurance providers in our survey are Marysville Mutual Insurance, Travelers and Farmers; on the other hand, the insurers with the highest average prices are American Family, Allstate and Auto Club Family (AAA).

You can view the average premiums of all the companies in our survey here:

Cost

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Most common homeowners insurance perils in Kansas

Kansas experiences severe weather more frequently than other states in the U.S. The climate in Kansas makes it easy for thunderstorms to form, especially during the spring and summer. These can produce hail and stir up tornadoes. Although typically homeowners insurance covers damage to your property caused by wind and falling objects such as hail, you may not be able to rebuild your home if it’s destroyed by high winds or a tornado.

Most homeowners insurance policies come standard with actual cash value dwelling and contents coverage, meaning that any payout you receive will be adjusted for the depreciation of your home. If you have an expensive home or insufficient coverage, you can upgrade to replacement cost coverage.

Some parts of Kansas may also experience winter weather, which can damage your home. It's not uncommon for the northern parts of the state to see more than 30 inches of snowfall in a year. A conventional homeowners insurance policy covers damage to your property resulting from falling objects and the weight of snow. Your homeowners insurance could exclude damage related to freezing, however. If you're unsure about what your policy covers, talk with your insurer—before you have to make a claim.

Kansas insurance rates: City-by-city breakdown

We calculated the average price of home insurance in every city in Kansas with more than 10,000 people. If you're thinking about moving, or you're curious about how the cost of insurance in your city measures up against the rest of the state, check out this table.

CityAverage cost per yearDifference from statewide average
Wichita$2,78713%
Overland Park$2,020-18%
Kansas City$2,186-11%
Olathe$1,977-20%
Topeka$2,230-9%
Lawrence$2,069-16%
Shawnee$1,995-19%
Lenexa$1,993-19%
Manhattan$2,187-11%
Salina$2,353-4%
Hutchinson$2,6909%
Leavenworth$1,980-20%
Leawood$1,992-19%
Dodge City$2,92319%
Garden City$2,97621%
Emporia$2,315-6%
Derby$2,6899%
Prairie Village$2,034-17%
Junction City$2,200-11%
Gardner$1,835-25%
Hays$2,88817%
Pittsburg$2,233-9%
Liberal$2,94220%
Newton$2,6839%
Great Bend$2,85716%
Andover$2,72111%
McPherson$2,407-2%
El Dorado$2,71510%
Ottawa$2,129-14%
Winfield$2,6026%
Lansing$1,917-22%
Arkansas City$2,5795%
Haysville$2,78613%
Merriam$2,077-16%
Atchison$1,986-19%

Methodology

For our study, we gathered quotes from each Kansas ZIP code. We used a sample property that was built in 1972 and measured 2,100 square feet. The home was insured to Kansas’ median cost of a home, $150,600.

We obtained quotes for this home from nine of the largest providers in Kansas: State Farm, American Family Insurance, Farm Bureau Financial Services, Farmers Insurance, Travelers, Allstate, USAA, Marysville Mutual Insurance Co. and Auto Club Family Insurance Co. Unfortunately, we excluded the large insurer Safeco from our study due to technical limitations.

We then averaged the data for the entire state and for each ZIP code. For our city-specific examination, we chose one sample ZIP for each of Kansas’s cities with over 10,000 residents and calculated the average price of coverage.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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