Manhattan Insurance Rates:

Manhattan, KS home insurance is nearly $877 to $1,193, about $73-$99/month. Our comprehensive analysis reveals consumers can save upto $414 by getting multiple quotes

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Manhattan Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $3640/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 4310 sqft Vacation Property Constructed In 1990 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $1050/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1550 sqft Vacation Property Constructed In 1948 with Linoleum, Tile Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $550/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 1520 sqft Seasonal Residence Constructed In 2006 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1240 sqft Vacation Property Constructed In 1961 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $1600/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1590 sqft Rental Property Constructed In 1962 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1250 sqft Seasonal Residence Constructed In 2014 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1170/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Baths 3390 sqft Primary Residence Constructed In 1960 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1660/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 2060 sqft Primary Residence Constructed In 1960 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Manhattan, KS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
66503 $222,200 $1,090
66502 $160,200 $1,050

Manhattan Rates & Quotes Analysis:

Manhattan Area Estimated House Insurance
Village Cir, Greenbriar Dr, Quivera Dr, N Juliette Ave, Maple Ct, College Heights Rd, Edgerton Ave, Fair Ln, Tamarak Dr, Kerr Dr$1,081
N 18th St, Rockhill Rd, Park Dr, Keen St, Fordham Rd, Knoxberry Dr, Lawrence Rd, Pine Dr, Lundin Dr, Alabama Ln$1,010
Davis Dr, Churchill Way, S 9th St, Gary Ave, Haventon Dr, S 4th St, Brookhollow Ct, Leavenworth St, Cody Pl, Terry Way$1,033
S Delaware Ave, Co Hwy 412, Sumac Dr, St James Cir, Legore Ln, N 6th St, Highland Dr, Midland Ave, Ridgewood Dr, Strawberry Cir$1,026
Concord Cir, Smith St, Northfield Rd, James Ave, Fairview Ave, Trevelyan Ave, Skyvue Ln, Kientz Dr, Newfoundland Dr, Blueberry Dr$1,008

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,460 Homes (20% of total homes ) built between 1970 to 1979 in Manhattan are paying home insurance between $1,678-$1,694. Places close to Manhattan, KS such as Wildcat, Blue, Milford are more expensive by $80, $20, $46 respectively while Ogden and Zeandale are cheaper by $70 and $121 respectively for similar homes.
  • Bedrooms: 5,325 2 bedrooms homes (30% of total homes ) in Manhattan are paying about $860 and varies from Wildcat (+$40), Blue (+$10), Milford (+$23), Ogden (-$26) and Riley County (-$4).
  • Auto Insurance Bundling: 1,833 Households (23% of all households) in Manhattan have 3 or more vehicles available and when it is bundled with home insurance you can save $258. Discounts for similar bundling in close by locations such as Ogden, Wildcat, Blue come to $248, $271, $261 respectively.
  • Senior Discounts: 3,223 seniors (more than 55 years) occupied housing units (40% of total) in Manhattan get discounts between $154 to $157. The comparative concessions in proximate regions such as Ogden, Wildcat and Blue are $148, $162 and $157 respectively.
  • New Homes discounts: New homes such as the 8,927 homes built between 2000 to 2009 in Manhattan can save $207 and similar new home insurance discounts in nearby towns and cities like Ogden, Wildcat and Blue are $198, $216 and $209 respectively.

Manhattan Homeowners insurance Facts

  • Manhattan, KS has 7,945 owner occupied houses which is 39.3% of all units whereas Ogden, Wildcat and Blue have 55.7%, 84.48% and 77.41% respectively.
  • Manhattan, KS homeowners yearly insurance price at $1,035 is 0.6% of the typical house value of $173,200 which is in contrast with 0.88% in Ogden, 0.45% at Wildcat & 0.55% in Blue.
  • Homeowners in Manhattan, KS pay 2.76% of their income ($35,000 to $39,999) in insurance whereas homeowners in Ogden, Wildcat and Blue pay 2.65%, 2.89% and 2.79% respectively.
  • Manhattan, KS’s insurance is 6.3% of monthly housing costs of $1,367/month, for owners with a mortgage compared to 7.86% in Ogden, 4.45% at Wildcat & 6.15% in Blue. But, for households without a mortgage, insurance is 17.6% of costs ($490 in Manhattan, KS) in contrast with 20.93% in Ogden, 25.96% at Wildcat & 16.62% in Blue.

Manhattan, KS Home Values & Insurance rates

For example, insurance for 1,083 Homes (14.0% of total homes ) valued between $150,000 to $174,999 in Manhattan, KS is about $962. Rates in nearby areas in such as Wildcat, Blue, Milford are cheaper by $236, $73, $155 respectively while Ogden and Riley County are costlier by $466 and $38 respectively for similar homes.

Manhattan, KS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 977 12.0% $144
$60,000 to $69,999 98 1.0% $382
$80,000 to $89,999 88 1.0% $507
$90,000 to $99,999 102 1.0% $558
$100,000 to $124,999 498 6.0% $652
$125,000 to $149,999 1,109 14.0% $817
$150,000 to $174,999 1,083 14.0% $962
$175,000 to $199,999 870 11.0% $1117
$200,000 to $249,999 1,467 19.0% $1345
$250,000 to $299,999 674 8.0% $1645
$300,000 to $399,999 480 6.0% $2090

Renters Insurance in Manhattan

  • Average Renters Insurance in Manhattan :  $121($10/month)

  • Median Gross Rent in Manhattan :  $800

  • Manhattan Renters Insurance to Median Rent Ratio:  1.25%

  • Average household size of renter-occupied unit :  2.19

Manhattan Renters Insurance as a Percentage of Rent

Manhattan Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 168 1.0% $780
$300 to $499 1,152 9.0% $1230
$500 to $749 3,634 30.0% $1905
$750 to $999 3,300 27.0% $2655
$1,000 to $1,499 2,522 20.0% $3780
$1,500 or more 1,142 9.0% $5430

Protective device discount in Manhattan Up to :  $18

Claims-free discount in Manhattan Up to :  $24