Wichita Insurance Rates:

Wichita, KS home insurance is approximately $845 to $1,145, about $70-$95/month. Our extensive research shows customers can save as much as $398 by comparing many quotes

Compare Quotes from Top Providers and Save now!

Wichita, Kansas Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Wichita Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $2040/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Baths 4900 sqft Rental Property Constructed In 1989 with Carpet over wood flooring, Metal Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $130/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1360 sqft Primary Residence Constructed In 1967 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $720/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 1760 sqft Seasonal Residence Constructed In 1941 with Carpet Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $2110/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $270,000

5 Beds, 5 Baths 3690 sqft Primary Residence Constructed In 1949 with Wood Flooring, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $610/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1210 sqft Vacation Property Constructed In 1990 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Female who is Retired with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/4 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $60,000

2 Beds, 2 Bath 900 sqft Vacation Property Constructed In 1985 with Stone Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Click here for Zip Code data

Wichita Rates & Quotes Analysis:

Wichita Area Estimated House Insurance
W Red Powell Dr, S Main Cir, Locust St, Tee Time Ct, S Horseback St, S Laclede Ct, Dalton St, W Binter Ln, N Fairmount Ave, Rogers Ln$1,010
W Sandhill Rd, S Ellsworth St, Ryan Ct, N 142nd St W, Whispering Brook, S Stoneborough Ct, Jamesburg St, Turnpike Dr, E Looman St, E 43rd Cir N$966
W Calvert St, E 30th St N, Peterson St, E Tamarac Ln, S Mt Carmel Cir, Central Ave, N Sedgwick Ave, W Hendryx St, E 56th St N, E Ethel St$1,040
E Ent Dr, N Boyd Ave, N Cranbrook Ct, W Bartlett Ct, Kenawee St, N Socora St, W Lake Dr, Mascot St, W Indianapolis, E 61st St S$1,019
E el Monte St, N Maus Ln, N Gentry St, W Kellogg Dr S, S Lulu Ct, Gold St, S Anthony Ln, Quail Run Cir, S Pattie Ave, W Ocala St$949
Brookstone, N Putter Ln, Tulsa St, Cromwell Dr, Lake Ridge Cir, Windemere St, W Maxwell Cir, N Filmore St, S Kailer Dr, N Fritillary Ct$1,014
E Wild Plum Dr, Bunting St, E Beachy St, Spring Creek Dr, N Watersedge Cir, N Fairway St, Bennett St, N Clara St, Woodard, E Corporate Hills Dr$1,061
Donegal Cir, N Mead, N Wichita, Dellrose, E Millrun Ct, Regal St, E 53rd St S, Forestview, Main St, Blue Stem Cir$1,081
S Eastmoor St, S All Hallows Rd, Dooley St, S Exposition, 2nd St, Menlo St, N Birkdale Dr, Tamarac Cir, N Laurel Dr, S Mamie Ln$1,032
E Graham Ave, E Genova St, Capri Ln, N Park Pl, N Keith Ct, W McCormick Ave, W Westlawn Ct, Ridgewood Dr, E Greenbriar Ct, Pennsylvania St$1,022

Insurance rates are influenced by a number of factors including:

  • Year Built: 20,769 Homes (12% of total) built between 1980 to 1989 in Wichita are paying home insurance between $1,484-$1,499 and differs from Eastborough (+$199), Minneha (+$151), Bel Aire (+$33), Oaklawn-Sunview (-$89) and Riverside (-$14).
  • Bedrooms: 58,549 3 bedrooms homes (35% of total homes ) in Wichita are paying about $1,044. Areas near to Wichita such as Eastborough, Sedgwick County, Minneha are costlier by $129, $4, $95 respectively whereas Oaklawn-Sunview and Riverside are more economical by $63, $20 respectively for similar homes.
  • Auto Insurance Bundling: 42,244 Households (45% of all households) in Wichita have 2 vehicles available and when it is bundled with home insurance you can save $199. Discounts for similar bundling in close by locations such as Eastborough, Oaklawn-Sunview, Sedgwick County come to $225, $187, $199 respectively.
  • Senior Discounts: 41,860 seniors (more than 55 years) occupied housing units (45% of total) in Wichita get discounts between $149 to $151 compared to Eastborough ($169), Oaklawn-Sunview ($140), Sedgwick County ($149).
  • New Homes discounts: New homes such as the 75,594 homes built between 2000 to 2009 in Wichita can save $199 in contrast with Eastborough ($225), Oaklawn-Sunview ($187), Sedgwick County ($199).

Wichita Homeowners insurance Facts

  • Wichita, KS has 93,017 owner occupied houses which is 61.6% of all units whereas Delano, Eastborough and Oaklawn-Sunview have 0%, 91.46% and 43.66% respectively.
  • Wichita, KS homeowners yearly insurance price at $995 is 0.85% of the typical house value of $117,000 which is in contrast with 0.38% in Eastborough, 2.61% at Oaklawn-Sunview & 0.81% in Sedgwick County.
  • Homeowners in Wichita, KS pay 2.65% of their income ($35,000 to $39,999) in insurance whereas homeowners in Eastborough, Oaklawn-Sunview and McConnell AFB pay 3.01%, 2.49% and 2.42% respectively.
  • Wichita, KS’s insurance is 7.0% of monthly housing costs of $1,182/month, for owners with a mortgage compared to 4.18% in Eastborough, 12.04% at Oaklawn-Sunview & 6.8% in Sedgwick County. But, for households without a mortgage, insurance is 20.0% of costs ($414 in Wichita, KS) in contrast with 10.16% in Eastborough, 36.58% at Oaklawn-Sunview & 19.59% in Sedgwick County.

Wichita, KS Home Values & Insurance rates

For example, insurance for 6,862 Homes (7.0% of total homes ) valued between $80,000 to $89,999 in Wichita, KS is about $716. Rates in nearby areas in such as Sedgwick County, Minneha, Waco are cheaper by $27, $355, $264 respectively while Oaklawn-Sunview and Kechi are costlier by $1,499 and $18 respectively for similar homes.

Wichita, KS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 9,001 9.0% $208
$50,000 to $59,999 4,197 4.0% $437
$60,000 to $69,999 5,892 6.0% $547
$70,000 to $79,999 6,416 7.0% $636
$80,000 to $89,999 6,862 7.0% $716
$90,000 to $99,999 6,133 6.0% $805
$100,000 to $124,999 11,782 13.0% $935
$125,000 to $149,999 12,074 13.0% $1164
$150,000 to $174,999 9,081 10.0% $1373
$175,000 to $199,999 4,789 5.0% $1592
$200,000 to $249,999 6,699 7.0% $1910
$250,000 to $299,999 3,596 3.0% $2338
$300,000 to $399,999 3,525 3.0% $2975

Renters Insurance in Wichita

  • Average Renters Insurance in Wichita :  $185($15/month)

  • Median Gross Rent in Wichita :  $675

  • Wichita Renters Insurance to Median Rent Ratio:  2.22%

  • Renter occupied housing units in Wichita :  58,022

Wichita Renters Insurance as a Percentage of Rent

Wichita Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,599 2.0% $796
$300 to $499 10,050 17.0% $1246
$500 to $749 22,173 39.0% $1921
$750 to $999 13,879 24.0% $2671
$1,000 to $1,499 6,208 11.0% $3796
$1,500 or more 1,620 2.0% $5446

Protective device discount in Wichita Up to :  $27

Claims-free discount in Wichita Up to :  $37

Wichita, KS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
67203 $94,600 $990
67218 $83,700 $990
67217 $83,500 $990
67216 $69,000 $970
67211 $68,700 $960
67213 $65,700 $960
67214 $45,000 $950
67202 $281,300 $1,170
67230 $276,000 $1,170
67235 $218,100 $1,090
67205 $212,300 $1,080
67226 $194,900 $1,080
67209 $137,900 $1,040
67215 $137,200 $1,030
67212 $134,900 $1,020
67210 $120,300 $1,010
67208 $111,000 $1,000
67204 $100,800 $1,000