Home insurance cost in Kansas
About $5,455 a year, or $455 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$5,455
a year
A month
$455
Rank
49 of 51
1 = cheapest; +119% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Texas | $4,915 | 47 |
| Arkansas | $4,955 | 48 |
| Kansas | $5,455 | 49 |
| Nebraska | $6,015 | 50 |
| Oklahoma | $7,255 | 51 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Kansas?
About $5,455 a year, or $455 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Kansas expensive?
Kansas ranks 49 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Kansas: monthly budget · take-home pay · rent.