Hays, KS
Located in northwestern Kansas, Hays is a vibrant regional hub with about 21,300 residents. Known for its history, strong healthcare facilities, and Fort Hays State University, Hays offers the perfect balance of small-town friendliness and big-town services.
With frequent hailstorms, highway traffic, and a growing housing market, residents of Hays need reliable insurance options tailored to local risks—whether you're a homeowner, student, healthcare worker, or small business owner.
What Insurance Do People in Hays, KS Need?
Auto Insurance in Hays, KS
With I-70 running straight through town and active local traffic, Hays drivers face risks from rural driving, winter storms, and hail. We help you compare auto insurance options that protect you at affordable prices.
Homeowners Insurance in Hays
Kansas weather brings severe hail, windstorms, and even tornadoes. Homeowners insurance coverage is critical for Hays residents, especially to protect roofs, siding, and foundations from storm damage.
Renters Insurance in Hays, KS
With a large student and young professional population, renters insurance is crucial to protect your personal belongings from theft, fire, or water damage.
Health Insurance
Residents benefit from healthcare options like HaysMed. Whether you need individual coverage, family plans, or short-term health insurance, we help you find health insurance that fits your needs and budget.
Life Insurance
From college graduates to new homeowners, we help Hays residents find life insurance solutions—including term life, whole life, and final expense options—designed for financial security.
Business Insurance
Hays is full of thriving businesses, from downtown shops to agricultural services. We connect entrepreneurs with business insurance that covers general liability, commercial auto, property insurance, and workers’ compensation.
Public Entity Insurance
Local schools, healthcare facilities, and public agencies rely on public entity insurance to safeguard assets, staff, and operations.
Recreational Vehicle Insurance
Planning adventures to Cedar Bluff Reservoir or western Kansas? We help you protect RVs, boats, and off-road vehicles with recreational vehicle insurance.
City FAQ
How much does car insurance cost in Hays, Kansas?
Drivers in Hays typically pay between $1,200 and $1,600 annually for full coverage, depending on driving history and vehicle type.
Is homeowners insurance affordable in Hays?
Yes, though hail and wind risks make understanding hail damage protection very important when selecting a policy.
Do students at Fort Hays State University need renters insurance?
Yes! Renters insurance covers laptops, electronics, and personal property in dorms, apartments, and off-campus housing.
Can I get health insurance outside of Open Enrollment?
If you’ve recently moved, lost job-based coverage, or had a baby, you may qualify for a Special Enrollment Period.
What business insurance is best for small companies in Hays?
Most businesses need general liability and property insurance. If you have employees, workers' comp insurance is required in Kansas.
How We Can Help
At KansasInsurance.org, we help Hays families, students, and business owners find better insurance coverage at better rates.
We:
Compare quotes from trusted Kansas insurers
Customize coverage for hail, rural driving, and small business risks
Offer bundling discounts across auto, home, life, and renters insurance
Provide expert, no-pressure guidance for every situation
Helpful resources for Hays residents: