Renters and home insurance rates in Kansas
The NAIC's published average premiums for Kansas by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
More
Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $159
- average homeowners premium (HO-3), per year
- $1,583
- renter households
- 384,404
By county
By county
| Sedgwick County | 77,331 | $977 | $190,700 |
|---|---|---|---|
| Johnson County | 76,967 | $1,385 | $366,000 |
| Douglas County | 25,214 | $1,066 | $281,600 |
| Shawnee County | 24,607 | $970 | $170,400 |
| Wyandotte County | 23,668 | $1,070 | $152,700 |
| Riley County | 14,965 | $1,065 | $231,200 |
| Leavenworth County | 9,279 | $1,138 | $260,600 |
| Geary County | 7,884 | $1,119 | $165,000 |
| Reno County | 7,804 | $857 | $125,000 |
| Saline County | 7,405 | $915 | $171,900 |
| Crawford County | 6,337 | $837 | $122,400 |
| Lyon County | 5,573 | $796 | $142,200 |
| Butler County | 5,454 | $984 | $199,600 |
| Finney County | 4,749 | $991 | $191,100 |
| Ellis County | 4,578 | $899 | $211,100 |
| Ford County | 4,180 | $960 | $132,700 |
| Harvey County | 4,107 | $891 | $173,300 |
| Cowley County | 3,939 | $779 | $111,600 |
| Montgomery County | 3,529 | $759 | $92,100 |
| Barton County | 3,451 | $742 | $117,200 |
| Miami County | 3,029 | $1,101 | $277,700 |
| McPherson County | 2,940 | $889 | $198,400 |
| Seward County | 2,794 | $924 | $134,000 |
| Franklin County | 2,731 | $949 | $187,400 |
| Sumner County | 2,298 | $829 | $118,700 |
| Cherokee County | 2,131 | $801 | $99,400 |
| Labette County | 2,119 | $729 | $92,100 |
| Dickinson County | 1,667 | $809 | $148,500 |
| Pottawatomie County | 1,594 | $1,011 | $223,000 |
| Bourbon County | 1,565 | $784 | $107,600 |
| Atchison County | 1,561 | $756 | $147,900 |
| Neosho County | 1,481 | $650 | $101,200 |
| Allen County | 1,278 | $685 | $100,400 |
| Osage County | 1,263 | $810 | $142,800 |
| Jackson County | 1,114 | $856 | $193,600 |
| Jefferson County | 1,108 | $844 | $200,800 |
| Scott County | 1,036 | $861 | $170,100 |
| Pratt County | 1,032 | $810 | $114,500 |
| Clay County | 973 | $911 | $149,600 |
| Kingman County | 941 | $807 | $107,400 |
| Cloud County | 929 | $689 | $96,300 |
| Brown County | 914 | $675 | $111,100 |
| Wilson County | 905 | $727 | $93,900 |
| Marion County | 899 | $727 | $114,400 |
| Linn County | 879 | $682 | $164,500 |
| Pawnee County | 866 | $806 | $102,400 |
| Nemaha County | 858 | $726 | $196,100 |
| Coffey County | 855 | $842 | $139,500 |
| Rice County | 845 | $717 | $105,500 |
| Sherman County | 790 | $852 | $126,300 |
| Mitchell County | 770 | $653 | $109,600 |
| Russell County | 730 | $722 | $106,400 |
| Thomas County | 728 | $753 | $165,900 |
| Marshall County | 716 | $670 | $119,500 |
| Anderson County | 622 | $792 | $147,900 |
| Grant County | 599 | $696 | $146,200 |
| Harper County | 583 | $693 | $77,300 |
| Rooks County | 550 | $679 | $90,000 |
| Phillips County | 547 | $621 | $94,700 |
| Greenwood County | 534 | $710 | $82,600 |
| Wabaunsee County | 530 | $771 | $178,200 |
| Ottawa County | 522 | $738 | $164,100 |
| Morris County | 521 | $711 | $120,900 |
| Washington County | 519 | $547 | $106,100 |
| Doniphan County | 486 | $801 | $121,200 |
| Stevens County | 483 | $930 | $124,500 |
| Logan County | 481 | $796 | $116,600 |
| Republic County | 475 | $638 | $76,000 |
| Ellsworth County | 430 | $705 | $116,300 |
| Gray County | 411 | $833 | $174,700 |
| Meade County | 409 | $799 | $122,000 |
| Osborne County | 379 | $591 | $84,700 |
| Rawlins County | 366 | $823 | $99,400 |
| Kearny County | 366 | $1,137 | $152,500 |
| Norton County | 356 | $642 | $106,300 |
| Barber County | 337 | $743 | $92,700 |
| Chase County | 322 | $758 | $106,200 |
| Haskell County | 318 | $776 | $154,800 |
| Trego County | 297 | $694 | $115,400 |
| Stafford County | 284 | $613 | $96,700 |
| Decatur County | 283 | $695 | $78,500 |
| Rush County | 282 | $700 | $79,300 |
| Smith County | 268 | $601 | $91,000 |
| Lincoln County | 255 | $604 | $92,600 |
| Sheridan County | 251 | $663 | $152,000 |
| Jewell County | 245 | $591 | $62,100 |
| Gove County | 245 | $730 | $119,000 |
| Cheyenne County | 242 | $703 | $119,300 |
| Ness County | 241 | $653 | $85,400 |
| Elk County | 241 | $534 | $60,900 |
| Kiowa County | 240 | $728 | $152,400 |
| Graham County | 228 | $726 | $88,800 |
| Comanche County | 220 | $672 | $59,900 |
| Chautauqua County | 220 | $713 | $63,300 |
| Edwards County | 213 | $732 | $70,500 |
| Morton County | 205 | $637 | $95,600 |
| Woodson County | 202 | $597 | $77,100 |
| Clark County | 198 | $771 | $78,400 |
| Wallace County | 182 | $578 | $94,200 |
| Wichita County | 164 | $738 | $98,700 |
| Stanton County | 157 | $691 | $64,200 |
| Lane County | 151 | $497 | $119,000 |
| Hamilton County | 145 | $778 | $119,700 |
| Hodgeman County | 126 | $900 | $92,700 |
| Greeley County | 113 | $915 | $108,900 |
Download the Kansas county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Kansas was $159 in 2022, across 384,404 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Kansas", updated 2026-08-17, https://homecoverhq.com/rates/kansas/.