Renters Insurance Cost in Kansas (2026 Average)
Kansas renters paid about $148 a year on average in the NAIC 2021 baseline, about $22 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Kansas renters insurance costs
Kansas renters paid about $148 a year on average in the NAIC 2021 baseline, about $22 less than the $170 US average.
Weather exposure is a major driver here: the state sits in severe-weather territory, with hail and tornadoes common.
Claim frequency and litigation also matter: weather claims dominate and litigation is a smaller factor.
Replacement costs and carrier competition round out the picture: replacement costs are moderate, and many carriers compete, keeping the average close to the national figure.
How Kansas compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Kansas | $148 | −$22 |
| United States (national average) | $170 | baseline |
| Missouri | $155 | −$15 |
| Oklahoma | $163 | −$7 |
| Nebraska | $150 | −$20 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.