Kansas City is known for its world-famous barbecue, a great arts and culture scene, and low cost of living, making it a great place to settle down and buy a house.
The KC metro area is also prone to frequent bouts of severe weather, so it comes as little surprise that Kansas City residents pay an average of $2,828 per year ($236 a month) for homeowners insurance. That's 10% higher than average in Missouri, and 61% higher than the national average of $1,754 per year.
Compare the best cheap homeowners insurance companies in Kansas City
To find the best cheap homeowners insurance in Kansas City, Policygenius rated over a dozen of the largest insurance companies in Missouri across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.
Company | Average monthly cost | Policygenius rating | |
|---|---|---|---|
$205 | 4.8 out of 5 | ||
$262 | 4.5 out of 5 | ||
$441 | 4.5 out of 5 | ||
$330 | 4.5 out of 5 | ||
$176 | 4.4 out of 5 |
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
2024 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is the best home insurance company in Kansas City thanks to its large selection of policy options, high customer service marks, industry-best financial stability ratings, and cheap rates.
Pros and cons
Pros
Top-tier coverage add-ons, including extended replacement cost coverage
High customer satisfaction and financial strength ratings
Offers large discounts when you bundle your home and auto insurance
Cons
No discounts for first-time homebuyers
More details
Why we chose State Farm
According to our research, State Farm is the best home insurance company in Kansas City. We like that State Farm lets you get extended replacement cost coverage for your home, replacement cost coverage for your personal property, water backup protection, and more.
State Farm's customer service is highly rated, too. The company has high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.
State Farm has cheaper-than-average home insurance rates in Kansas City. The company doesn't offer as many discounts as other insurers, but you could get a large discount if you're planning to bundle home and auto insurance with State Farm.
How do State Farm home insurance rates compare to the Kansas City average?
The average cost of home insurance from State Farm in Kansas City is $2,461 per year, which is 13% cheaper than the citywide average.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
2024 Policygenius award winner
American Family
4.6
Offers extended replacement cost
Offers flood insurance
Bundle home & auto
Why we chose it
American Family is one of the best home insurance companies in Kansas City, especially for people who want to add coverage to a basic policy. AmFam also has high customer service ratings and several discounts.
Pros and cons
Pros
Several one-of-its-kind coverage endorsements and policy perks
High customer satisfaction and digital shopping satisfaction scores with J.D. Power
Offers nearly one dozen discounts
Cons
Requires you to work with an agent to purchase a policy
Rates are higher than average in Kansas City
More details
Why we chose American Family
American Family is a top home insurance company in Kansas City. You can customize your American Family policy with up to 15 additional coverage options — including inland flood, equipment breakdown, and service line coverage.
While American Family tends to have affordable homeowners insurance rates, in Kansas City it costs $311 more than average. Although more expensive than average, AmFam's many discounts (including paying your premiums all at once, opting for paperless billing, and signing up for automatic payments) can make your premiums even cheaper.
How do American Family home insurance rates compare to the Kansas City average?
The average annual cost of American Family home insurance in Kansas City is $3,139 per year, which is 11% more expensive than the citywide average.
How to get a quote
Online with American Family or by contacting a local agent
2024 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is one of the best home insurance companies in Kansas City. The company has a range of coverage add-ons, discounts, and high claims satisfaction scores — though rates are higher than average in KC.
Pros and cons
Pros
Optional extended or guaranteed replacement cost dwelling coverage
Receives few complaints from policyholders
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
Much higher rates than average in Kansas City
More details
Why we chose Farmers
Farmers is one of the best home insurance companies in Kansas City. You can customize your Farmers home insurance with coverage options like guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.
How do Farmers home insurance rates compare to the average in Kansas City?
The average cost of Farmers home insurance in Kansas City is $5,291 per year, which is 87% more expensive than the average cost of home insurance in the city.
How to get a quote
Online through Farmers
2024 Policygenius award winner
Nationwide
4.5
Bundle home & auto
Mobile app
New homebuyer discount
Offers extended replacement cost
Why we chose it
Nationwide is one of the best home insurance companies in Kansas City, especially for people who want highly rated customer service. Besides a top customer experience, Nationwide also offers a range of add-ons that you can use to personalize your coverage.
Pros and cons
Pros
Highly rated for claims satisfaction by J.D. Power
Receives fewer complaints than average
Multiple high-quality coverage options
Cons
Below-average digital experience ratings
Rates are higher than average in Kansas City
More details
Why we chose Nationwide
Nationwide is one of the best homeowners insurance companies in Kansas City — and it has excellent customer service. Nationwide ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022. The company also receives far fewer complaints than other insurers, according to the National Association of Insurance Commissioners.
We also like Nationwide's large selection of coverage options. These include guaranteed and extended replacement cost coverages, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.
Although we found that Nationwide's rates are more expensive than average in Kansas City, you might be able to lower your premiums with the company's discounts. These include discounts for bundling, renovating your home, buying a new home, and others.
How do Nationwide home insurance rates compare to the Kansas City average?
The average cost of Nationwide home insurance in Kansas City is $3,963 per year, which is 40% more expensive than the annual citywide average.
How to get a quote
Online through Policygenius or Nationwide
2024 Policygenius award winner
Allstate
4.5
Bundle home & auto
Smart home discounts
Why we chose it
Allstate is one of the best homeowners insurance companies in Kansas City for people who want cheap rates. Besides affordability, Allstate also offers a few premium coverage add-ons, including a short-term rental endorsement for hosts.
Pros and cons
Pros
Rates are much cheaper than average in Kansas City
Extensive list of discounts and policy features to lower your bill and out-of-pocket costs
Offers HostAdvantage — an excellent short-term rental coverage add-on that can be seamlessly added to any policy.
Cons
Beginning to pull back coverage in high-risk areas
Customer experience scores with J.D. Power are below the segment average
More details
Why we chose Allstate
Allstate made our list of the best home insurance companies in Kansas City. If you're looking for affordable rates, the cost of coverage from Allstate is $711 cheaper than the citywide average.
Besides Allstate's lower-than-average premiums, its high customer satisfaction ratings and excellent coverage options make it a top choice for homeowners in Kansas City. We also like that Allstate has discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires — all easy for many people to qualify for.
How do Allstate home insurance rates compare to the Kansas City average?
The average cost of an Allstate home insurance policy in Kansas City is $2,117 per year, which is 25% cheaper than the citywide average.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
How much is homeowners insurance in Kansas City?
The average cost of homeowners insurance in Kansas City is $2,828 per year, or $236 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Kansas City is 10% more expensive than Missouri's statewide average, but 61% more expensive than the national average.
Kansas City home insurance rates by ZIP code
To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Kansas City.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
64119 | $2,871 | 11% |
64152 | $2,890 | 12% |
64155 | $2,821 | 9% |
64151 | $2,861 | 11% |
64114 | $2,969 | 15% |
64131 | $2,936 | 14% |
64134 | $2,945 | 14% |
64157 | $2,903 | 13% |
64130 | $2,732 | 6% |
64110 | $2,677 | 4% |
Cheapest ZIP codes for home insurance in Kansas City
We found that the cheapest average homeowners insurance in Kansas City is in the 64101 ZIP code. On average, the cost of homeowners insurance here is $2,656 per year, just 3% higher than the statewide average.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
64101 | $2,656 | 3% |
64102 | $2,656 | 3% |
64105 | $2,662 | 3% |
64120 | $2,674 | 4% |
64106 | $2,677 | 4% |
64110 | $2,677 | 4% |
64112 | $2,691 | 4% |
64109 | $2,697 | 5% |
64123 | $2,698 | 5% |
64111 | $2,700 | 5% |
Most expensive areas for homeowners insurance in Kansas City
With an average home insurance rate of $3,001 per year, the 64145 ZIP code is the most expensive area for home insurance in Kansas City. Rates here are 16% higher than the statewide average.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
64145 | $3,001 | 16% |
64146 | $2,993 | 16% |
64147 | $2,984 | 16% |
64114 | $2,969 | 15% |
64134 | $2,945 | 14% |
64137 | $2,942 | 14% |
64164 | $2,938 | 14% |
64131 | $2,936 | 14% |
64153 | $2,925 | 13% |
64154 | $2,921 | 13% |
Learn more >> Home insurance rates by ZIP code
Kansas City home insurance costs by coverage amount
Dwelling coverage is the section of your homeowners insurance policy that protects your home from covered losses, such as fire damage. Your dwelling coverage limit should be equal to the replacement cost of your home, or the cost to rebuild it from the ground up.
But dwelling coverage is different from its sale price or market value. As the table below indicates, more dwelling coverage means higher home insurance premiums.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $1,397 |
$200,000 | $2,102 |
$300,000 | $2,828 |
$400,000 | $3,545 |
$500,000 | $4,279 |
Kansas City home insurance costs by deductible amount
Your deductible is the amount you’re responsible for paying toward a loss when you file a claim. That means if you file a claim for $5,000 and you have a $1,000 deductible, you’ll need to pay $1,000 out of pocket before your insurer will pay out the remaining $4,000 of the loss.
A higher deductible typically means lower premiums, but there is a risk in doing this. You’ll want to make sure it’s set to an amount you can afford to pay out of pocket in the event of a loss.
We found Kansas City residents have much higher rates when opting for a $500 deductible over a $2,000 one.
Deductible | Average annual cost |
|---|---|
$500 | $2,732 |
$1,000 | $3,193 |
$2,000 | $2,208 |
Cheapest homeowners insurance companies in Kansas City
We found that the cheapest homeowners insurance companies in Kansas City are Armed Forces Insurance, AAA, USAA, Allstate, and State Farm. That said, your rates depend on where you live and other factors like coverage amount, deductible, your credit, home's age, and claims history.
Company | Average annual cost |
|---|---|
$1,467 | |
$1,882 | |
$2,046 | |
$2,117 | |
$2,461 | |
$3,139 | |
$3,963 | |
$4,100 | |
$5,291 |
Cheapest home insurance in Kansas City if you have poor credit
Many insurance companies in Kansas City will factor in your credit score when calculating your insurance premiums. Generally speaking, the higher your credit score, the lower your insurance premiums will be, and vice versa.
We found that Armed Forces Insurance offers the lowest rates in Kansas City for homeowners with poor credit at $1,862 per year.
Company | Average annual cost |
|---|---|
Armed Forces Insurance | $1,862 |
USAA | $2,419 |
AAA | $2,920 |
Allstate | $3,033 |
American Family | $4,098 |
State Farm | $4,222 |
Nationwide | $4,811 |
Shelter Insurance | $5,535 |
Farmers | $13,933 |
Cheapest home insurance in Kansas City if you have an older home
It can be more expensive to insure older homes since they can be more prone to structural damage than newer homes. They're also often made with with materials and features that would be more expensive to replace after a claim.
Armed Forces Insurance offers the cheapest home insurance rates for an older home in Kansas City, with an average cost of $1,498 per year.
Company | Average annual cost |
|---|---|
Armed Forces Insurance | $1,498 |
USAA | $1,892 |
AAA | $1,971 |
Allstate | $2,088 |
State Farm | $2,526 |
American Family | $3,165 |
Shelter Insurance | $3,268 |
Nationwide | $3,429 |
Farmers | $8,126 |
Cheapest homeowners insurance in Kansas City if you have a history of claims
Having a history of claims is one of the most likely reasons why your rates could be expensive. If you have multiple claims on your record, insurers will think you're more likely to file future claims than a homeowner without any past claims.
We found that Armed Forces Insurance offers the cheapest home insurance rates in Kansas City for someone with three claims in a five-year period.
Company | Average annual cost |
|---|---|
Armed Forces Insurance | $1,955 |
USAA | $2,330 |
State Farm | $2,882 |
AAA | $3,265 |
Allstate | $3,440 |
American Family | $4,566 |
Shelter Insurance | $4,903 |
Nationwide | $5,746 |
Farmers | $14,151 |
Coverage options in Kansas City
In addition to looking at how much each insurance company charges for different coverage levels and risks, you should also know what your policy does and doesn’t cover.
When buying homeowners insurance in Kansas City, you may need additional insurance to protect yourself against tornadoes and floods.
Windstorm insurance
Your Kansas City home could be affected by high winds and even tornadoes. Although homeowners insurance usually covers wind, including tornado damage, it gets more complicated in states like Missouri, which experienced an average of 56 tornadoes per year from 1997 to 2022.
Some home insurance companies in Kansas City charge a separate deductible for windstorm damage — or may exclude coverage entirely. In this case, you would need to get a separate windstorm policy or find a company that covers wind damage.
Flood insurance
Homeowners insurance policies don’t cover flood damage. If you live in a part of Kansas City that's prone to flooding, you should consider flood insurance along with your regular home insurance.
In addition to comparing home insurance quotes, homeowners in Kansas City can also compare private flood insurance rates with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program.
How to get homeowners insurance quotes in Kansas City
Finding the right amount of coverage at the right price may seem like an overwhelming endeavor, but it’s actually fairly easy if you know what to look for in a company and policy.
Since Kansas City’s average annual premium of $2,828 is higher than both the state and national average, shopping around when choosing a policy is vital.
Frequently asked questions
What is the average cost of homeowners insurance in Kansas City?
The average cost of homeowners insurance in Kansas City is $236 per month, or $2,828 per year.
Why does having a pool increase my rates?
Pools and trampolines are both considered an “attractive nuisance” aka a liability risk, so insurers will likely increase your premium if you have one.
Why does my credit score matter?
Some insurance companies have data that shows that policyholders with lower credit scores are more likely to file a home insurance claim for small damages or losses, and as a result, most insurers will charge higher rates to policyholders with poor credit.
