Compare average insurance rates in Ottawa for 2026
🏠
Home
$2520
/year
🚗
Auto
$1575
/year
🏥
Health
$502
/month
💰
Life
$23
/month
🏢
Renters
$17
/month
Home Insurance in Ottawa, KS
The average cost of homeowners insurance in Ottawa, Kansas is $2,520 per year in 2026. This compares to the state average of $2,800 per year.
$2,520per year (avg in Ottawa)
$1530KS avg: $2,800$3510
Factors Affecting Home Insurance in Ottawa
🏠
Home Value Average: $205,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 0.9 (100 = national avg)
🌪️
Tornado Alley: Ottawa is located in tornado-prone territory. Make sure your policy covers windstorm and tornado damage adequately.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$164,000
$82,000
$100,000
$1,890
Standard (HO-3)
$205,000
$102,500
$300,000
$2,520
Premium (HO-5)
$256,250
$153,750
$500,000
$3,402
Auto Insurance in Ottawa, KS
The average annual cost of auto insurance in Ottawa is $1,575, compared to the Kansas state average of $1,750.
$1,575per year (avg in Ottawa)
$990KS avg: $1,750$2250
📋
Minimum Coverage in Kansas: 25/50/25
⚖️
No-Fault State: Kansas is a no-fault insurance state. This means your own insurance pays for your injuries regardless of who caused the accident. Personal Injury Protection (PIP) coverage is required, which can increase premiums.
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$866
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,575
Premium
250/500/250
$250 deductible
$250 deductible
$2,047
Health Insurance in Ottawa, KS
The average monthly health insurance premium in Ottawa is $502 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$502per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$361
$7,000
$9,100
Healthy, low usage
Silver
$502
$4,500
$9,100
Moderate usage
Gold
$627
$1,650
$8,700
Regular medical needs
Platinum
$753
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Ottawa
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Kansas are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$17
per month (avg in Ottawa)
Renters insurance in Ottawa covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Ottawa
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Ottawa, KS is $2,520 per year for a standard HO-3 policy. Rates range from $1,530 to $3,510 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Ottawa is $1,575 per year for full coverage. Liability-only coverage averages around $709 per year. Kansas requires minimum coverage of 25/50/25.
Insurance costs in Ottawa are close to the national average (cost index: 0.90). Home insurance averages $2,520/yr and auto insurance $1,575/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.90), tornado risk, average home values ($205,000), your personal claims history, credit score, and no-fault insurance laws in Kansas.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Ottawa residents can potentially save $819+ per year.
Kansas requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). As a no-fault state, PIP coverage is also required.
Compare Insurance Quotes in Ottawa
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