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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to get affordable renters insurance in Kansas

Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters insurance policy covers your belongings against fire, smoke damage, a wind storm, theft, vandalism and a number of other situations.

Unlike auto insurance, renters insurance isn't priced specifically by state. Even so, there are substantial variations in the cost of renters insurance policies by state. Renters insurance prices by state may vary based on the value and number of renters claims filed in that particular state, and also on the value of the belongings you're insuring.

Kansas renters insurance is pricier than the national average. The typical annual renters insurance rate in Kansas is $213, $28 more expensive than in other states.

The easiest way to find an affordable renters insurance policy in Kansas is to get quotes from multiple insurance companies. Find out renters insurance rates in Kansas via the below breakdown. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Kansas by company

Rates for renters insurance in Kansas vary based on the insurer you choose. Farm Bureau underwrites the most affordable renters policies in Kansas — $127 per year. This compares favorably to the state's average cost of $213, offering a 40% discount on the typical rates in the state.

Begin the hunt for a renters insurance policy by reviewing the most affordable Kansas renters insurance carriers, listed below.

Company Average Annual Rate in Kansas
Farm Bureau $127
State Farm $128
Safeco $131
Shelter $135
Travelers $142

Kansas renters insurance costs by city

Renters insurance rates in Kansas vary by city. Pricing depends on city-specific variables, such as the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.

The best renters insurance in Kansas is available in Gardner. In Gardner, the typical renters insurance policy costs $197 per year — $16 less than the average policy in other Kansas cities. Reference the below table to see the cheapest cities in Kansas for renters insurance.

City Average 12-Month Renters Insurance Rate
Gardner $197
Olathe $197
Leawood $198
Overland Park $198
Shawnee $198

Looking for renters insurance information for a specific city? Check out our breakdown of the most populous cities in Kansas.

  1. Wichita


Renters insurance in KS by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In Kansas, the annual cost differential between these options is about $96. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage Level Average Annual Renters Insurance Rate in Kansas
$25K Property $164
$50K Property $261

Tip: bundle auto and renters insurance in Kansas

To trim a few dollars from your insurance costs, consider holding your car and renters policies with the same insurance company. A renters and car insurance bundle in Kansas can save you a substantial sum each month on auto insurance. Bundling policies in Kansas leads to average annual savings of $113.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,476 $1,363 $113 8%


Kansas renters insurance FAQs


Is renters insurance required in Kansas?

Kansas law does not require you to carry renters insurance. Your landlord might require you carry it, in which case it is required.

What does Kansas renters insurance cover?

A basic renters insurance policy in Kansas will typically include coverage for your contents, your liability, your additional living expenses, and any medical payments to others.

Need renters insurance? Talk to an expert today.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.