Who Has the Cheapest Renters Insurance Quotes in Kansas? (2025)
State Farm has the cheapest renters insurance in Kansas, at $14 per month on average.
Compare Cheap Renters Insurance Quotes in Kansas
Best Cheap Renters Insurance in KS
ValuePenguin editors found the best cheap renters insurance companies in Kansas by looking at rates, customer satisfaction, coverage options and discounts.
Our experts calculated average renters insurance rates by gathering quotes from seven top companies across 25 major Kansas cities.
Cheapest renters insurance companies in Kansas
State Farm has the cheapest renters insurance in Kansas, at $14 per month for $30,000 of personal property coverage. That's 44% cheaper than the Kansas state average.
Compare Cheap Renters Insurance Quotes in Kansas
The average cost of renters insurance in Kansas is $25 per month, but there's a big price jump between the cheapest and most expensive options. The priciest company, American Family, is more than three times as expensive as State Farm.
The cost of renters insurance in Kansas is slightly cheaper than most neighboring states. Rates in Oklahoma are much higher at $31 per month, while Nebraska and Colorado are slightly cheaper than in Kansas.
Top renters insurance companies in Kansas
Company | Monthly cost | ||
|---|---|---|---|
| State Farm | $14 | |
| Amica | $17 | |
| Allstate | $18 | |
| Progressive | $21 | |
| Farmers | $28 | |
Best renters insurance for most people in Kansas: Amica
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Cost$17/moThis analysis used renters insurance quotes for 25 cities across KS. Read our methodology.
Cheapest renters insurance in Kansas: State Farm
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Cost$14/moThis analysis used renters insurance quotes for 25 of the largest cities in Kansas. Read our methodology.
Best renters insurance for extra coverage and discounts in Kansas: Progressive
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Cost$21/moThis analysis used renters insurance quotes for 25 of the largest cities in Kansas. Read our methodology.
Kansas renters insurance: Costs by city
Kansas City has the most expensive renters insurance among major Kansas cities, at $28 per month.
Lawrence, home of the University of Kansas, has the cheapest rates, averaging $22 per month.
How much you pay for renters insurance will depend on where you live in Kansas, but the price of insurance doesn't vary much statewide. There's only a $6 per month difference in price between the most and least expensive larger cities.
City | Monthly rate | % from average |
|---|---|---|
| Andover | $25 | 2% |
| Derby | $25 | 3% |
| Dodge City | $25 | 1% |
| Emporia | $25 | 0% |
| Garden City | $23 | -6% |
Tips for getting cheap renters insurance in Kansas
Save money on your renters insurance by comparing quotes, using discounts and finding your accurate coverage needs.
Start by adding up the cost of the items you own to find out how much coverage you need. The value of your personal belongings should equal how much personal property coverage you have. This amount will have a big impact on your monthly rate.
You want to have enough coverage to replace all your stuff if the worst happens, but you don't want to overpay for coverage you don't need.
You can save hundreds of dollars per year with just a few minutes of work by comparing quotes. The most expensive renters insurance company in Kansas, American Family, costs $350 per year more than the cheapest company, State Farm, for the same level of coverage.
It's a good idea to compare quotes each year because companies change their prices over time. The cheapest company today might not have the best rates the next time you renew your policy.
Renters insurance companies almost always discounts.
It's important to consider which discounts you might qualify for when comparing quotes. That's because discounts can lower your final costs significantly.
Common renters insurance discounts in Kansas
- Renters-auto bundling
- Claims free discount
- Automatic payments
- Pay in full
- Loyalty
- Home protection device
Common natural disasters in Kansas
Renters in Kansas should take extra care to be sure they're protected from tornadoes, windstorms and floods.
Renters insurance will typically pay to replace the items you own after a tornado or windstorm. Your policy will also pay to put you up in a hotel or short-term rental as long as you have loss of use coverage.
Keep in mind that your policy won't pay to repair the structure of your apartment or rented home. That's your landlord's responsibility.
Renters insurance basically never covers damage from flooding due to rain. If you live in an area at a high risk of flooding, you should buy a separate flood insurance policy. Many renters insurance companies, including State Farm and Progressive will sell you flood insurance.
However, many renters insurance companies do offer water backup coverage that protects you if a water line overflows into your home.
Kansas renters insurance trends
Renters insurance prices have gone up 10% in Kansas over the last six years.
Kansas renters insurance rates went up between 0.5% and 58.2%, depending on the company, over the last six years.
Renters insurance prices, on average, decreased in 2020 and 2021, but then increased steadily, with a slightly sharper uptick of 7.7% across 2023 and 2024.
Among the major KS insurers, the biggest increases have been at Nationwide (58.2%), Iowa Farm Bureau (45.7%) and Travelers (24.6%)
Renters insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Frequently asked questions
How much does renters insurance cost in Kansas?
Renters insurance costs $25 per month in Kansas, on average. State Farm has cheap quotes for Kansas renters at around $14 per month.
Is renters insurance required in Kansas?
Renters insurance is not required by law in Kansas, but it's important to check your lease agreement to see if your landlord or property management company requires you to buy a policy.
How much is renters insurance in Wichita?
Renters in Wichita can expect to pay $25 per month for insurance, which is about equal to the state average. In comparison, people living in Kansas City pay $28 per month.
Methodology
ValuePenguin collected more than 150 quotes from across 25 major cities in Kansas for a single 30-year-old woman who has never filed a renters insurance claim. Coverage limits include:
- $30,000 of personal property coverage
- $9,000 for loss of use
- $500 deductible
- $100,000 of personal liability
- $1,000 of medical payments to guests
Customer service ratings were created using cost data, information from the National Association of Insurance Commissioners (NAIC) complaint index scores and J.D. Power's 2023 renters insurance customer satisfaction study rankings.
These rates should be used for comparative purposes only. Your quotes will likely differ.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
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.
