How this number is measured
The $163 figure isn’t a quote — it’s what Kansas renters actually paid on average. The NAIC collects HO-4 (renters) premiums from every insurer, divides by policies in force, and publishes the state average. That makes it the cleanest benchmark available: same method, same policy form, every state, no marketing spin.
Output · formula · meaning
| Output | Formula | What it means |
|---|
| Average annual premium | Σ premiums ÷ policies | What the typical Kansas renter pays per year: $163. |
| Monthly equivalent | annual ÷ 12 | The monthly budget figure: about $14. |
| Index vs US average | state avg ÷ $173 × 100 | Kansas sits at 94% of the national average — 6 points below the typical state. |
| Price rank | sorted, priciest first | Kansas is #28 of 51 — in the cheaper half of states. |
3 things Kansas renters should know
- No Kansas law requires renters insurance. The requirement comes from the lease — and across the Wichita and Kansas City metros, most leases do require it, usually with a $100,000 liability minimum. If your lease names a minimum, that clause is binding.
- Kansas is the heart of Tornado Alley: about 87 tornadoes a year on average from 2003 to 2022 (Storm Prediction Center), second only to Texas, with the season running April through June and a May peak. Wind — including tornadoes — and hail are standard covered perils, so a basic policy covers your belongings against the state’s signature storms.
- Flood is excluded everywhere, so flash-flood damage after a spring storm needs a separate policy — contents-only NFIP coverage works for renters. Before you buy, check whether your quote carries a flat deductible or a higher wind/hail deductible; in a high-wind state that line matters. The Kansas Insurance Department takes consumer complaints if a claim goes sideways.
Who uses this page
- Movers: budgeting a move to Kansas — is $14/month about right for your renters policy?
- Lease shoppers: checking whether the number your agent quoted is anywhere near the state average.
- Landlords: setting the insurance clause in a lease — know what “typical” costs your tenants.
- Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2023-policy-year averages published in July 2026 — the freshest official data available, but your 2026 quote will differ by ZIP code, building construction, coverage limits, deductible, claims history, and credit-based insurance score (where legal). Treat $163/yr as a benchmark, not a quote. Renters insurance markets move fast in storm states, so treat the figure as a starting point and get live quotes.
Comparing states? See the full 50-state table, or check Oklahoma’s average — it’s $220/yr, #3 of 51, a reminder that Kansas renters get Tornado Alley coverage below the national average. Seven ways to cut your own bill are in the how to lower your renters insurance cost guide.
Cite this pageBright Side Kit. “Average Renters Insurance Cost in Kansas.” brightoolbox.com, 2026.Bright Side Kit. "Average Renters Insurance Cost in Kansas." https://brightoolbox.com/renters-insurance-cost-kansas/ Accessed October 21, 2026.
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