Renters Insurance

The Best Cheap Renters Insurance in Kansas

The Best Cheap Renters Insurance in Kansas

Nationwide has the cheapest prices for renters insurance in Kansas, with an average rate of $140 per year, or about $12 per month.

The average cost of renters insurance in Kansas is $17 per month. Nationwide's low rates will save you 32% compared to the state's average price.

Compare Cheap Renters Insurance in Kansas

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We collected quotes from six of the top renters insurance companies in Kansas to find the most affordable quotes. When choosing the best renters insurance company for you, it's important to consider coverage options and customer service, in addition to affordability.

Cheapest renters insurance companies in Kansas

The cheapest Kansas renters insurance is available at Nationwide, where renters will find an average price of just $12 per month.

The average cost of renters insurance in Kansas is $17 per month, but we found a significant difference between the most and least affordable options. The most expensive option, Farmers, is about 2.5 times as expensive as Nationwide.

The Cheapest Renters Insurance in Kansas

Compare Cheap Renters Insurance in Kansas

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Renters insurance in Kansas is slightly less expensive than in the nation as a whole. Across the country, renters insurance costs about $19 per month, on average.

Company
Monthly cost
Nationwide logo
Nationwide$12
State Farm logo
State Farm$12
Amica logo
Amica$16
Travelers logo
Travelers$17
Allstate logo
Allstate$20
Farmers logo
Farmers$27

Best renters insurance for most people: Nationwide

Nationwide has the best overall mix of low rates and useful coverage options in Kansas.
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Read the full review.

The good:

  • Cheapest renters insurer in Kansas
  • Useful coverage options

The bad:

  • Below-average customer service

We recommend Nationwide as the best insurer for renters in Kansas. It has the best prices we found overall, plus lots of useful coverage options.

The average quote we received from Nationwide is $12 per month. That's 32% cheaper than the average among all insurers and the cheapest rate we found overall.

Nationwide has a good selection of optional coverages. These include water backup, identity theft, replacement-cost and valuable-items coverages. The only major optional coverage not available is equipment breakdown, which we only found at Travelers Insurance.

The downside to Nationwide is its mediocre customer service. It has a complaint index of 1.32 from the National Association of Insurance Commissioners (NAIC), meaning it's received 32% more complaints than you'd expect from a typical insurer. It was also not very well-rated in J.D. Power's customer satisfaction survey. That puts Nationwide below the national average.

Best rated: Amica

Amica has the best customer service of any company we analyzed in Kansas.
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The good:

  • Highly rated service
  • Good discounts

The bad:

  • Average rates

For renters looking for insurance with the best service in Kansas, we recommend Amica. It's only a few dollars more per month than our top pick and has top-rated customer service.

Amica received a top score in our renters insurance service ratings, reflecting its customers’ positive experiences. And it receives less than half as many complaints as a typical insurance company, according to the NAIC — suggesting customers tend to be satisfied with their experience.

The average price we found at Amica is $16 per month, or $187 per year. That's $4 more per month than our top pick, Nationwide.

However, you may be able to reduce that price by taking advantage of Amica's discounts. These include savings for being claim-free and bundling your renters insurance with an auto policy.

Best for in-person service: State Farm

State Farm is the best choice if you prefer buying renters insurance in person.
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The good:

  • Lots of offices across Kansas
  • Affordable rates

The bad:

  • Limited coverage options
  • Quotes often unavailable online

For people who prefer to work with a dedicated local insurance agent, we recommend State Farm. It has dozens of offices across the state of Kansas, so you'll be able to meet in person and get help from someone who lives and works in your community, if you need it.

As one of the oldest, largest insurers in the United States, State Farm has built up a reputation of trustworthiness, and it received 4.5/5 stars in our customer satisfaction analysis.

State Farm is also very affordable. It's only $3 more per year than our top pick, Nationwide, with an average annual rate of $143.

However, we found limited online quote availability at State Farm. It only offered us quotes for a few locations across the state; most people are likely to need to call an agent in order to buy a policy.

Coverage options are also on the scarce side. While it offers basic property and liability coverages, State Farm doesn't provide many extras, such as water backup or replacement cost coverage.

Kansas renters insurance: Costs by city

The most expensive city for renters insurance in Kansas is Andover, where we found an average price of $223 per year.

That's a minor difference of only 5% more than the cheapest city, Prairie Village, where the average cost is $213 per year.

Renters insurance costs can change based on where you live. Your bill might be cheaper if you live in an area with a low crime rate or higher if you get a lot of tornadoes. However, the cost of renters insurance is very consistent across Kansas, when compared to other states.

Here are the average rates we found for renters insurance across Kansas.

City
Average annual cost
Difference from state average (%)
Andover$2232%
Derby$2180%
Dodge City$215-1%
Emporia$2222%
Garden City$216-1%
Show All Rows

Top-rated renters insurance companies in Kansas

USAA and Amica have the top-rated customer service among renters insurance companies in Kansas.

Both companies have generally positive customer reviews and few complaints according to the NAIC. They also received strong ratings from the ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.

However, USAA is exclusively available to people who have served in the military and their families, which kept it from being our top pick.

Company
Rating
USAA
Amica
State Farm
Nationwide
Travelers
Allstate
Farmers

Methodology

We evaluated quotes from six major insurance companies in the 25 largest cities and census-designated places across the state of Kansas. All sample rates are for an unmarried 25-year-old renter who lives alone and has no recent renters insurance claims.

Coverage
Limits
Personal property$30,000
Personal liability$100,000
Medical payments$1,000
Loss of use$9,000
Deductible$500

Listed coverage applied where available.

Top picks are determined by our experts, who analyze rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' rankings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.