The Best Cheap Renters Insurance in Kansas

The average cost of renters insurance in Kansas is $17 per month. Nationwide's low rates will save you 32% compared to the state's average price.

We collected quotes from six of the top renters insurance companies in Kansas to find the most affordable quotes. When choosing the best renters insurance company for you, it's important to consider coverage options and customer service, in addition to affordability.

Cheapest renters insurance companies in Kansas

The average cost of renters insurance in Kansas is $17 per month, but there is a significant difference between the most and least affordable options. The most expensive option, Farmers, is about 2.5 times as expensive as Nationwide.

Renters insurance in Kansas is slightly less expensive than in the nation as a whole. Across the country, renters insurance costs about $18 per month, on average.

Cheapest renters insurance companies in Kansas

Best renters insurance for most people: Nationwide

We recommend Nationwide as the best insurer for renters in Kansas. It has the best prices overall, plus lots of useful coverage options.

The average quote from Nationwide is $12 per month. That's 32% cheaper than the average among all insurance companies and the cheapest rate in Kansas.

Nationwide has a good selection of optional coverages. These include water backup, identity theft, replacement-cost and valuable-items coverages. The only major optional coverage not available is equipment breakdown, which we only found at Travelers Insurance.

The downside to Nationwide is its mediocre customer service. It has a complaint index of 1.32 from the National Association of Insurance Commissioners (NAIC), meaning it's received 32% more complaints than you'd expect from a typical insurer. It was also not very well-rated in J.D. Power's customer satisfaction survey. That puts Nationwide below the national average.

Best rated: Amica

For renters looking for insurance with the best service in Kansas, we recommend Amica. It's only a few dollars more per month than our top pick and has top-rated customer service.

Amica received a top score in our renters insurance service ratings, reflecting its customers’ positive experiences. And it receives less than half as many complaints as a typical insurance company, according to the NAIC — suggesting customers tend to be satisfied with their experience.

The average price at Amica is $16 per month, or $187 per year. That's $4 more per month than our top pick, Nationwide.

However, you may be able to reduce that price by taking advantage of Amica's discounts. These include savings for being claim-free and bundling your renters insurance with an auto policy.

Best for in-person service: State Farm

For people who prefer to work with a dedicated local insurance agent, we recommend State Farm. It has dozens of offices across the state of Kansas, so you'll be able to meet in person and get help from someone who lives and works in your community, if you need it.

As one of the oldest, largest insurers in the United States, State Farm has built up a reputation of trustworthiness, and it received 4.5/5 stars in our customer satisfaction analysis.

State Farm is also very affordable. It's only $3 more per year than our top pick, Nationwide, with an average annual rate of $143.

However, we found limited online quote availability at State Farm. It only offered us quotes for a few locations across the state; most people are likely to need to call an agent in order to buy a policy.

Coverage options are also on the scarce side. While it offers basic property and liability coverages, State Farm doesn't provide many extras, such as water backup or replacement cost coverage.

Kansas renters insurance: Costs by city

That's a minor difference of only 5% more than the cheapest city, Prairie Village, where the average cost is $213 per year.

Renters insurance costs can change based on where you live. Your bill might be cheaper if you live in an area with a low crime rate or higher if you get a lot of tornadoes. However, the cost of renters insurance is very consistent across Kansas, when compared to other states.

Here are the average rates we found for renters insurance across Kansas.

Top-rated renters insurance companies in Kansas

Both companies have generally positive customer reviews and few complaints according to the NAIC. They also received strong ratings from the ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.

However, USAA is exclusively available to people who have served in the military and their families, which kept it from being our top pick.

Frequently asked questions

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Methodology

We evaluated quotes from six major insurance companies in the 25 largest cities and census-designated places across the state of Kansas. All sample rates are for an unmarried 25-year-old renter who lives alone and has no recent renters insurance claims.

Top picks are determined by our experts, who analyze rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) complaint index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' rankings.