How Much Does Umbrella Insurance Cost in Kansas?
Kansas pricing is below the national average. Updated for 2026.
Umbrella Insurance Pricing in Kansas
In Kansas, the average cost for umbrella insurance is $21 per month, which is 15% lower than the national average of $25. Most Kansas residents pay between $13 and $43.
Kansas benefits from a lower cost of living than many states, resulting in more affordable pricing for umbrella insurance. This makes it one of the more budget-friendly states for this service.
Umbrella insurance provides additional liability coverage beyond your home and auto insurance limits. It protects your assets if you're sued for more than your base policies cover.
Kansas vs National Average
What Affects Umbrella Insurance Cost in Kansas?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
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Top-Rated Umbrella Insurance Pros in Kansas
5 providersSummit Property Services
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💡 Tips to Save on Umbrella Insurance in Kansas
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in Kansas Cost Trends (2020–2024)
Prices have increased +23.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $17 | — |
| 2021 | $18 | +5.9% |
| 2022 | $19 | +5.6% |
| 2023 | $20 | +5.3% |
| 2024 | $21 | +5.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance in Kansas
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Umbrella Insurance Cost in Other States
Related Cost Guides for Kansas
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