Affordable Home Insurance in Kansas
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What drives home insurance rates in Kansas
Average homeowners premium, 2023
$1,733
The average homeowners policy in Kansas cost $1,733 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
57.9¢
Home insurers in Kansas paid 57.9 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
770
NOAA logged 69 tornado, 654 large-hail and 47 flash-flood event reports in Kansas in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#28
FEMA ranks Kansas #28 of 51 for expected annual loss from natural hazards; flood accounts for 36% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Kansas
The ten insurer groups that wrote the most home premium in Kansas in 2025, with their share of the state total of $2.0 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 22.12% | $437 million |
| 2 | American Family Insurance Group | 15.79% | $312 million |
| 3 | Allstate Insurance Group | 8% | $158 million |
| 4 | Travelers Group | 7.83% | $155 million |
| 5 | Iowa Farm Bureau Group | 7.68% | $152 million |
| 6 | United Services Automobile Association Group | 6.23% | $123 million |
| 7 | Farmers Insurance Group | 5.43% | $107 million |
| 8 | Liberty Mutual Group | 3.21% | $63 million |
| 9 | Shelter Insurance Group | 2.68% | $53 million |
| 10 | Nationwide Corp Group | 2.64% | $52 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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