Best and Cheapest Homeowners Insurance in Kansas for 2025 (Top 10 Low-Cost Companies)

USAA, Geico and State Farm are the best and cheapest homeowners insurance in Kansas with unique advantages - USAA has rates starting at $35/month with zero deductible military equipment coverage, Geico has 24/7 digital claims and multi-policy discounts and State Farm has extensive local agent support

When looking for the cheapest home insurance in kansas, homeowners should consider deductibles, coverage limits and specialized benefits that fit their needs.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$35	A++	Military Focus	USAA
	#2	$36	A++	Competitive Rates	Geico
	#3	$38	B	Customer Satisfaction	State Farm
	#4	$40	A++	Broad Coverage	Travelers
	#5	$29	A+	Usage-Based Discounts	Nationwide
	#6	$42	A	Loyalty Benefits	American Family
	#7	$41	A+	Continuous Coverage	Progressive
	#8	$46	A	Affinity Discounts	Farmers
	#9	$51	A+	Driver Rewards	Allstate
	#10	$56	A	Flexible Policies	Liberty Mutual

Property crime in Kansas is slightly above national average so comprehensive coverage is a must. If you’re looking to protect your most valuable asset with home insurance, compare rates now with our free quote tool.

What You Should Know

• USAA stands out with an industry-leading $35 monthly premium
• Geico provides extensive multi-policy savings at $36 monthly
• State Farm delivers rapid catastrophe response capabilities

#1 – USAA: Top Overall Pick

Pros

• Unmatched Affordability: Undisputed champion of affordability in Kansas's home insurance landscape, offering unmatched military-focused coverage that outshines competitors.
• Military-Friendly Policies: Service members unlock exclusive Kansas property protection learn more in our USAA insurance review.
• Zero-Deductible Benefits: Zero-deductible advantage for military equipment stands as a unique benefit among Kansas insurance providers.

Cons

• Limited Eligibility: Military affiliation requirement creates an exclusive barrier to these exceptional Kansas rates.
• Physical Presence: Limited brick-and-mortar presence across Kansas challenges those seeking immediate face-to-face assistance.

#2 – Geico: Best For Competitive Rates

Pros

• Bundle Savings: Bundle-savvy Kansas homeowners discover substantial savings through Geico's interwoven multi-policy arrangements.
• Digital Claims: Round-the-clock digital claims processing revolutionizes property damage resolution for Kansas residents. For renter insurance claims, read our Geico renters insurance review.
• Security Discounts: Home security enthusiasts enjoy remarkable premium reductions while fortifying their Kansas properties.

Cons

• Online Focus: Virtual-first approach might disappoint Kansas homeowners craving personalized insurance guidance.
• Coverage Limits: Standard coverage limitations necessitate additional investment for unique Kansas property features.

#3 – State Farm: Best For Customer Satisfaction

Pros

• Local Network: State Farm's local agent network ensures personalized guidance for Kansas homeowners seeking tailored insurance solutions.
• First-Time Benefits: First-time buyers in Kansas gain exclusive advantages through comprehensive educational resources and special incentives.
• Emergency Response: Swift catastrophe response teams prioritize Kansas properties during severe weather events.

Cons

• Premium Rates: Seasoned Kansas homes face steeper premiums compared to market alternatives.
• Financial Rating: Recent B financial rating raises stability concerns for long-term Kansas insurance planning.

#4 – Travelers: Best For Broad Coverage

Pros

• Green Benefits: Eco-conscious Kansas homeowners unlock substantial savings through green building benefits and sustainable coverage options.
• Deductible Rewards: Claim-free Kansas residents enjoy diminishing deductibles while maintaining comprehensive property protection.
• Cost Protection: As mentioned in our Travelers insurance review their replacement cost coverage shields Kansas homeowners from escalating construction expenses.

Cons

• Premium Impact: Premium increases significantly impact luxury Kansas properties.
• Bundle Options: Limited bundling opportunities reduce overall savings potential for Kansas residents.

#5 – Nationwide: Best For Usage-Based Discounts

Pros

• Smart Technology: Smart home technology adopters receive substantial discounts through innovative Kansas property monitoring incentives. Learn more in our Nationwide insurance review.
• Roof Coverage: Enhanced roof replacement coverage provides superior protection against Kansas's severe weather damage.
• Multiple Discounts: Multiple policy discounts unlock flexible coverage options for Kansas property owners seeking comprehensive protection.

Cons

• Claims Process: Complex claims process creates potential delays for Kansas homeowners requiring urgent property repairs.
• Rural Coverage: Rural Kansas coverage limitations may restrict access to comprehensive property protection options.

#6 – American Family: Best For Loyalty Benefits

Pros

• Family Savings: Unique generational policy discounts create exceptional value for Kansas families protecting multiple properties.
• Renovation Benefits: Specialized renovation coverage empowers Kansas homeowners undertaking property updates with flexible payment arrangements.
• Deductible Benefits: Claim-free Kansas property owners benefit from progressive deductible reductions over time, learn more about their benefits in our review of American Family insurance.

Cons

• Regional Rates: Regional rate variations impact overall affordability for certain Kansas homeowners.
• Limited Options: Limited policy customization options may challenge unique Kansas property protection needs.

#7 – Progressive: Best For Continuous Coverage

Pros

• Auto Updates: Automatic coverage adjustments protect Kansas homeowners against property value fluctuations without manual updates.
• Rental Protection: Specialized home-sharing protection benefits Kansas property owners participating in short-term rental markets.
• Payment Options: In our Progressive insurance review their flexible payment structures help Kansas residents manage premium costs effectively.

Cons

• Higher Rates: Monthly rates exceed several competitors' pricing for comparable Kansas property coverage.
• Agent Access: Minimal local agent presence challenges Kansas homeowners seeking personalized insurance consultation.

#8 – Farmers: Best For Affinity Discounts

Pros

• Agricultural Focus: Agricultural property specialists provide comprehensive protection for Kansas farming equipment and structures.
• Equipment Coverage: Advanced equipment breakdown coverage safeguards Kansas homeowners against unexpected repair expenses.
• Identity Protection: Complimentary identity theft protection enhances value proposition for Kansas residents, learn more about this protection in our Farmers insurance review.

Cons

• Cost Structure: Premium structure impacts affordability for budget-conscious Kansas homeowners.
• Policy Terms: Complex policy terminology may challenge Kansas property owners comparing insurance options.

#9 – Allstate: Best For Driver Rewards

Pros

• Claim Rewards: Allstate rewards claim-free Kansas homeowners through dedicated discount initiatives.
• New Buyer Perks: Exclusive welcome discounts attract new Kansas property buyers with specialized coverage options.
• Rate Stability: Rate lock guarantees ensure stable insurance costs for qualifying Kansas homeowners.

Cons

• Monthly Cost: Higher monthly premiums may exceed budget constraints for cost-conscious Kansas residents.
• Rural Limits: Rural Kansas coverage limitations affect accessibility for remote property owners.

#10 – Liberty Mutual: Best For Flexible Policies

Pros

• Custom Coverage: Customizable protection levels enable Kansas homeowners to precisely match coverage with property needs.
• Inflation Guard: Built-in inflation safeguards help Kansas residents maintain adequate coverage despite property value changes.
• New Buyer Benefits: As mentioned in our review of Liberty Mutual, first-time homebuyer incentives provide exclusive savings for new Kansas property owners.

Cons

• Premium Cost: Highest average monthly costs may deter Kansas homeowners seeking budget-friendly insurance solutions.
• Agent Network: Limited local agent availability affects personalized service access across Kansas regions.

Kansas Home Insurance Rates

The table below shows the average cost of homeowners insurance in Kansas. Among the top providers, USAA offers rates starting at $35 for a $200k policy and goes up to $73 for a $500k policy. Geico follows with rates from $36 for a $200k policy to $75 for a $500k policy.

State Farm offers policies ranging from $38 for a $200k policy to $79 for a $500k policy. Travelers provides coverage from $40 for a $200k policy to $81 for a $500k policy. Nationwide offers competitive rates starting at $29 for a $200k policy and increasing to $65 for a $500k policy.

Insurance Company	$200k Policy	$300k Policy	$500k Policy
	$45	$65	$100
	$42	$58	$89
	$46	$62	$95
	$36	$49	$75
	$56	$70	$104
	$29	$41	$65
	$41	$59	$88
	$38	$53	$79
	$40	$54	$81
	$35	$48	$73

Mid-tier options for affordable homeowners insurance in Kansas include American Family at $42 for a $200k policy and $89 for a $500k policy, and Progressive at $41 for a $200k policy and $88 for a $500k policy. Top-tier Kansas homeowners insurance quotes are from Farmers starting at $46 for a $200k policy, Allstate at $45 for a $200k policy, and Liberty Mutual at $56 for a $200k policy.

Claim Type	Portion of Claims	Cost per Claim
Wind Damage	30%	$12,000
Water Damage	25%	$10,500
Fire and Lightning Damage	20%	$20,000
Hail Damage	15%	$8,000
Theft	10%	$3,500

Claims data shows wind damage accounts for 30% of claims at $12,000 per incident, followed by water damage (25%, $10,500), fire and lightning (20%, $20,000), hail (15%, $8,000), and theft (10%, $3,500).

We stand ready to serve you in the event of a government shutdown. pic.twitter.com/pI08aHVdLH

— USAA (@USAA) December 19, 2024

Best homeowners insurance in Kansas is comprehensive with standard coverage limits: $100,000 personal property, $20,000 loss of use, $20,000 other structures, $300,000 property damage liability, $5,000 medical expenses with $1,000 deductible.

City	Accidents per Year	Claims per Year
Kansas City	3,500	3,100
Olathe	1,500	1,400
Overland Park	2,100	1,950
Topeka	1,800	1,600
Wichita	4,200	3,800

Urban areas see significant claim activity, with Wichita leading at 4,200 accidents and 3,800 claims annually, followed by Kansas City (3,500 accidents, 3,100 claims), Overland Park (2,100 accidents, 1,950 claims), Topeka (1,800 accidents, 1,600 claims), and Olathe (1,500 accidents, 1,400 claims).

Category	Grade	Explanation
Fire Risk	A-	Low wildfire risk
Affordability	B+	Competitive premiums
Claims Frequency	B	Average annual claims
Theft Risk	B-	Moderate urban theft risk
Windstorm Risk	C	High tornado risk

In getting the cheapest home insurance in Kansas, you should think about your property’s unique needs, location and risks. Kansas has had 34 severe storms, 13 floods and 11 fires since 1953 according to FEMA. And property crime rates in Kansas are slightly above the national average so you need comprehensive coverage to protect your investment.

Getting Cheap Homeowners Insurance in Kansas Through Discounts

There are Kansas insurance providers that offer discounts to reduce homeowners premium costs. Here's a comprehensive overview of available discounts by company and their potential savings:

Insurance Company	Available Discounts
	Bundling, Early Signing, Responsible Payer, Safe Driving Bonus, Smart Student, New Car, Anti-Theft, Homeowner, Drivewise (UBI), Deductible Rewards
	Bundling, Loyalty, Good Student, Defensive Driving, Low Mileage, Early Bird, Young Driver, Safe Driver, Generational
	Bundling, Safe Driver, Pay-in-Full, Early Shopper, Signal (UBI), Good Student, Homeowner, Multi-Car, Professional, Affinity Group
	Bundling, Multi-Vehicle, Defensive Driving, Anti-Theft, Good Driver, Good Student, Emergency Deployment
	Bundling, New/Hybrid Vehicles, Good Student, Homeowner, Accident-Free, Anti-Theft, Military, Early Shopper
	Bundling, SmartRide (UBI), Defensive Driving,Accident-Free, Good Student, Anti-Theft, Affinity Member, Paperless
	Bundling, Snapshot (UBI), Multi-Vehicle, Homeowner, Continuous Insurance, Good Student, Teen Driver, Pay in Full
	Bundling, Safe Driver, Anti-Theft, Good Student, Driver Training, Vehicle Safety, Accident-Free
	Bundling, Hybrid/Electric Vehicles, Homeowner, New Car, Good Payer, Continuous Insurance, Early Quote, Safe Driver
	Bundling, Multi-Vehicle, Safe Driver, Vehicles Storage, New Vehicles, Anti-Theft, Defensive Driving

Some of these are better value than others when it comes to how effective you can be with them. The most valuable discounts include:

Discount Name	Grade	Savings	Participating Providers
Multi-Policy Discount	A	25%	State Farm, Farmers, Allstate
Home Safety Features	A-	20%	Geico, Progressive, Liberty Mutual
Claims-Free Discount	B+	15%	USAA, Nationwide, Travelers
New Home Discount	B	10%	American Family, Erie Insurance
Senior Discount	C+	5%	State Farm, Liberty Mutual

Discounts for bundling multiple policies can significantly lower your insurance costs, and most valuable are bundle policies. Compare quotes from different providers for maximum savings.

Read More: Top 5 Ways to Save Money on Your Homeowners Insurance Premium

Leading Kansas Home Insurance Providers

USAA, Geico and State Farm top the list for best and cheapest homeowners insurance in Kansas with each of them having standout features. USAA has military focused policies that adjust during deployments.

Geico has multi policy discounts that can save big and State Farm has a large network of local agents across the best homeowners insurance in Kansas.

With rates starting at $35 a month for minimum coverage, Kansas homeowners can find affordable coverage by comparing quotes online from multiple companies. Secure cheap home insurance in Kansas by entering your ZIP code into our free quote comparison tool.