Who Has The Cheapest Renters Insurance Quotes in Kansas?

We conducted a study on renters insurance in Kansas, to see how widely costs could vary. For a sample rental property measuring 1,000 square feet, insurance costs between locations could vary 13% between the most expensive and the cheapest. The rates in our analysis have comparative value; tenants' actual quotes will differ based on their apartment or house. Enter your zip code above to start finding renters insurance quotes.

Cheapest Renters Insurance in Kansas

To find the cheapest renters insurance in Kansas, we examined quotes from State Farm, Nationwide, Liberty Mutual, Farmers, and Allstate. For our sample property of 1,000 square-feet, we found that State Farm offered the cheapest average annual rate at $189, which is about 52% lower than the average annual rate of the most expensive insurance provided by Farmers at $475. Below are the average annual rates for five major carriers of renters insurance in Kansas, ranked from most affordable to least affordable:

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 State Farm $189
2 Nationwide 283
3 Liberty Mutual 369
4 Allstate 390
5 Farmers 475
Average 341

These rates were obtained for a sample property. To find the best rates for yourself, we recommend looking for quotes from multiple companies and comparing them.

Best Renters Insurance Rates in Kansas: by City

The cheapest places to insure the sample property are all smaller cities in Kansas. Unlike other states, Kansas's cost of renters insurance does not deviate far from the average rate to insure the sample property in the state - the cheapest city is only 2.4% cheaper.

RankCityAverage Annual Rate% Differenece vs State Average
1 Dodge City $333 -2.4%
2 Garden City 333 -2.4%
3 Liberal 333 -2.4%
4 Lawrence 335 -1.9%
5 Olathe 335 -1.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount. 

Dodge City, KS

Dodge City was named after Fort Dodge, which was built in 1865 and was named in honor of Colonel Henry I. Dodge. However, some believe that it was named after Colonel Richard Irving Dodge. It is famous in American culture for its history as a frontier town of the Wild West. Dodge City takes the top spot, with the cheapest renters insurance in Kansas for our study's sample property. Residents pay 2.4% less compared to living elsewhere in the state.

Garden City, KS

The city of Kansas was founded by the Fulton brothers and the first settlers encouraged others to settle there. A railway station was established in the city in 1879 which contributed to its growth. Garden City has some of the best renters insurance rates in KS for our sample property. Like Dodge City, rates here also are 2.4% lower than the state average for the property.

Liberal, KS

The city of Liberal is the county seat of Seward County, Kansas. The first house of the area was built in 1872 by S.S. Rogers, who was known for her generosity of liberally distributing water to the bypassers. Rogers also built a general store which later became the official U.S. post office and named it "Liberal." Soon after, the town was plotted near the post office, which became gradually more populated. We found the third lowest renters insurance rates in Kansas in Liberal for our sample property. It costs about 2.4% lower to insure a rental in Liberal versus the average for the state. 

Lawrence, KS

Lawrence is the sixth largest city in the state of Kansas. It’s as much a college town as any, since it’s the home to the University of Kansas and Haskell Indian Nations University. In 2007, U.S. News & World Report named Lawrence one of the best places to retire. Tenants in Lawrence, Kansas have 1.9% lower rates for the sample property than the state mean, which places Lawrence with the fourth most affordable rates for insuring a rental in KS.

Olathe, KS

Olathe rounds out our list of the five spots with the best renters insurance rates in Kansas. The city in northeast Kansas has more than 125,000 residents and was ranked 11th by CNN/Money and Money magazine on its list of the "100 Best Cities to Live in the United States” in 2008. A number of recognizable companies have a presence in the city including Honeywell, Husqvarna, ALDI, Garmin, Grundfos and Farmers Insurance Group. Olathe residents pay 1.8% less to insure the sample property than the average rate state.

Most Expensive Renters Insurance in Kansas

Similar to other state in the midwest, the most expensive places to insure our sample rental property in Kansas are in the largest cities. Fortunately, rates across the state do not drastically differ from each other. Premiums in our study’s most expensive city are still only 10.4% higher than the average for the state.  

RankCityAverage Annual Rate% Differenece vs State Average
1 Wichita $377 10.4%
2 Manhattan 347 1.7%
3 Emporia 347 1.7%
4 Junction City 347 1.7%
5 Derby 345 1.2%

*The Average Annual Rate is rounded to the nearest whole dollar amount. 

Wichita, KS

Wichita is a sports town that centers on the 11,500-seat Kansas Coliseum, home to minor league hockey's Wichita Thunder and arena football's Wichita Stealth. The Wichita Wranglers, a minor league baseball team also play in a highly regarded Lawrence-Dumont Stadium. For big league action, the parent club is 3 hours away in Kansas City. Wichita is also home to the new Kansas Sports Hall of Fame, featuring exhibits on legendary Kansans such as Gale Sayers and Wilt Chamberlain. Renters insurance rates in Wichita, Kansas are significantly higher than those in other cities. Rates are 10.4% greater than the state average to insure the sample property. 

Manhattan, KS

In the heart of the Flint Hills, Manhattan has about 56,000 residents and has been recognized by multiple organizations including Money Magazine, Forbes, CNN, Best College Reviews and others, as a great place to retire, start business, for its schools and overall. It's also the second most expensive place to insure our sample property, but is much less than Wichita. Renters insurance rates for the sample property are 1.7% higher in Manhattan than the state average.

Emporia, KS

The city of Emporia was founded in 1857 and named after ancient Carthaginian Africa. The local newspaper, the Emporia Gazette, was first published by William Allen White in the early 20th century and is quite famous for its political influence. Rates to insure our sample rental property are 1.7% higher in Emporia than the state average to insure it. 

Junction City, KS

One of the first cities to establish a kindergarten, Junction City held its entering class in 1927. Among other notables, one of the first industries to be established in the area was Walkers Stone Company. Like Emporia, renters insurance rates for our study’s sample property are 1.7% higher than the study average for the state. 

Derby, KS

The city of Derby is the largest suburb of Wichita and has a population of more than 22,000 residents. In 1952, the U.S. Air Force took over Wichita Municipal Airport and renamed it McConnell Air Force Base. Renters insurance rates in Derby, Kansas were only 1.2% higher than that average for the state. 

Average Cost of Renters Insurance in Kansas: by City

This study gathered renters insurance quotes for the previously mentioned sample property from five major carriers across 21 cities in Kansas. We used that data to calculate a mean rate of $341 for the state and compared it to the rates for each city to determine who had the cheapest and the most expensive. The study showed that Kansas, while not the cheapest state in the U.S. in terms of the benchmark mean, had some of the smallest rate differences within the state. The most expensive place was only 13% higher than the cheapest.

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of Kansas. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium. 

RankCityAverage Annula Rate% Differenece vs State Average
17 Derby $345 1.2%
1 Dodge City 333 -2.4%
19 Emporia 347 1.7%
2 Garden City 333 -2.4%
6 Hays 336 -1.4%
10 Hutchinson 339 -0.6%
20 Junction City 347 1.7%
4 Lawrence 335 -1.9%
13 Leavenworth 339 -0.5%
11 Leawood 339 -0.6%
9 Lenexa 339 -0.6%
3 Liberal 333 -2.4%
18 Manhattan 347 1.7%
5 Olathe 335 -1.8%
7 Overland Park 339 -0.6%
14 Pittsburg 339 -0.5%
12 Prairie Village 339 -0.6%
15 Salina 341 0.0%
8 Shawnee 339 -0.6%
16 Topeka 342 0.3%
21 Wichita 377 10.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount. 

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