Temporary Car Insurance in Kansas: The Cheapest Options and What You Need to Know
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A six-month insurance policy can serve as a temporary insurance policy for your car if you cancel it before the term ends. In Kansas, the average driver pays approximately $233 for a three-month auto insurance policy.
However, if you're renting a car in Kansas or you don’t own a car, rental car insurance may be the best option for you.
MoneyGeek also examined additional scenarios, such as obtaining non-owner car insurance to reinstate your driver’s license or working for a ride-sharing company, where temporary auto insurance may be beneficial.
Can You Get Temporary Car Insurance in Kansas
Temporary car insurance can mean different things in each state. After purchasing a standard auto insurance policy, drivers in Kansas can cancel it early if they only require temporary insurance. If you frequently drive a borrowed or rented car, you may consider non-owner car insurance or rental car insurance.
Even though there is no one-size-fits-all method for creating temporary car insurance in Kansas, MoneyGeek investigated all possible options.
- Need a full car insurance policy temporarily? Buy and cancel
- Want to add or remove a driver? Alter your policy
- Renting a car? Buy from the rental company or use your own policy
- Don’t own a car? Look into non-owner Insurance
- Working for a rideshare company? Buy rideshare insurance
Buying a Six-Month Kansas Insurance Policy and Canceling It Early
The insurance plans offered by most major insurers in Kansas and across the country are for a minimum of six months. If you cancel your auto insurance policy before the term expires, you might be able to create temporary coverage. Most insurers will reimburse your premiums for what’s left of your insurance term.
In Kansas, the average cost of a six-month policy is $466, while the average cost of a 90-day policy is $233. To insure your car for three months, you can purchase a six-month policy and cancel it within 90 days.
If you choose this option, MoneyGeek recommends that you avoid any gaps in your insurance coverage. If you allow an insurance lapse, you could end up paying hundreds of dollars more in insurance premiums over time.
Cheap Temporary Car Insurance in Kansas
MoneyGeek evaluated the cost of a standard six-month insurance policy, a 90-day policy and a 30-day policy from several insurers in Kansas.
As per our analysis, the following companies offer the cheapest car insurance in Kansas on average for a 90-day policy:
- American Family: $189 per 90 days
- Nationwide: $191 per 90 days
Any cancellation fees are not included in MoneyGeek's estimations. The majority of insurance companies do not charge cancellation fees and offer a full refund for the unused period of your policy.
Annual Cost of Car Insurance in Kansas by Policy Length
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- CompanyOne MonthThree MonthSix Month
- $52$156$312
- $63$189$379
- $64$191$382
- $71$212$424
- $75$225$451
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Altering Kansas Car Insurance Temporarily Depending on Your Needs
If your car is already insured in Kansas but you need to add or remove coverage, the easiest option is to make adjustments to your existing policy. The most common questions regarding short-term auto insurance arise when a family's teenager is attending college somewhere within the state, storing a vehicle or when someone is borrowing your car.
When You Should Alter Your Policy Temporarily
If your child attends school away from home in Kansas, temporarily remove them from your car insurance policy or request a discount from your insurer.
If you want to store your car, you can cancel everything except your comprehensive coverage. Alternately, you can use USAA's car storage discounts if you're a military member.
If you allow someone else to drive your car regularly, it’s best to add them to your policy.
Cheap Temporary Car Insurance for Students in Kansas
Kansas requires you and your child to be covered under the same policy if you live together, which can be extremely expensive.
The annual cost of insuring an 18-year-old driver is around $2,064. It is possible to temporarily remove your child from the policy for the portion of the year they are away at school, request insurance discounts for distant students or keep your child on your policy.
According to MoneyGeek, the average cost of adding a college student to your Kansas auto insurance policy for two summer months is only $344, compared to paying the average annual car insurance cost of $2,064. Through Nationwide, you can make the most savings for dropping a student from a policy temporarily.
Annual Cost of Adding an 18-Year-Old to Car Insurance in Kansas
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- CompanyAdding 18-year-old for two out of 12 monthsAdding an 18-year-old for the full yearDifference
- $1,838$306-$1,531
- $1,931$322-$1,609
- $2,145$358-$1,788
- $2,414$402-$2,011
If your child's school is less than 100 miles away from your home in Kansas, you cannot drop them from your insurance or qualify for a student discount. However, comparison shopping can get you the best deal. MoneyGeek compared the cheapest insurance for teens added to a parent's insurance plan to help you find savings.
What to Do About Car Insurance if You’re Storing Your Car in Kansas
You can make policy changes while temporarily storing your car in Kansas by switching your existing insurance to a comprehensive-only policy or looking for an insurer offering a policy with a car storage discount.
You only need comprehensive coverage while your car is in temporary storage. With a $1,000 deductible, comprehensive and collision insurance in Kansas costs about $401 per year, whereas comprehensive and collision insurance with minimum liability coverage costs around $824 yearly.
USAA offers storage discounts and might be a good fit if you are a member of the military. Their average annual premium is only about $623, which is a relatively cheap option even before the discount.
What to Do If You Let Someone Else Drive Your Car
Your car insurance coverage must cover any member of your household who drives your vehicle. Your insurance coverage doesn't need to cover someone who isn't a member of your family but is allowed to drive your car.
Buying Rental Car Insurance in Kansas
If you are temporarily renting a car in Kansas, you are not obliged to obtain auto insurance. You may get rental car insurance at the time of rental, which includes liability insurance and optional add-on coverages like collision damage waivers, supplemental liability insurance and personal accident insurance.
It could cost anywhere from $44 to $60 per day for rental car insurance with these coverages depending on the company. You may, however, examine your needs to save money.
Finding Cheap Rental Car Insurance in Kansas
MoneyGeek used data from Wichita to compute rental car insurance costs in Kansas. You should anticipate spending anything from $44 to $60 each day, depending on the car rental company. Supplemental liability, collision damage waiver and personal accident protection are all included in this price. While Enterprise charges the lowest rental car insurance at an average of $44 per day, Avis and Hertz charge around $57 and $60 daily, respectively.
If you have already insured your car, you may be covered for liability, accident and medical expenses. Several credit card companies provide complimentary collision damage waiver coverage when you rent a rental car using their card. If you have either of these benefits, you can save money.
Cost per Day of Rental Car Insurance in Kansas
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- Rental CompanyTotal Insurance CostSupplemental Liability CostCollision Damage Waiver CostPersonal Accident Insurance Cost
- Enterprise$44$13$25$6
- Avis$57$17$31$10
- Hertz$60$19$34$7
Buying Non-Owner Car Insurance in Kansas
If you do not own a car but are required to provide proof of insurance to file an SR-22 to help reinstate your driver's license, non-owner automobile insurance is the best option. If you drive someone else's car, it's also the least expensive way to insure yourself.
In Kansas, non-owner SR-22 car insurance costs an average of $365 per year.
How to Get Temporary Rideshare Car Insurance for Rideshare in Kansas
In Kansas, a rideshare driver is protected by the ridesharing company's insurance if they take a fare or transport a passenger. They will, however, risk an insurance gap during the time they don't have an accepted fare.
Not all rideshare insurance policies are available in every state. MoneyGeek conducted an analysis of the state's rideshare insurance providers to aid drivers in finding the best rideshare insurance.
Frequently Asked Questions About Temporary Car Insurance in Kansas
You can find answers to some common questions about temporary car insurance in Kansas below.
Yes, you can create short-term car insurance if you purchase a standard six-month auto insurance policy then cancel it early. Non-owner car insurance is available to drivers in Kansas who do not own a car but drive other cars, while rental car insurance is best for those who use rental cars.
Most insurance providers will refund any unused portion of a six-month insurance policy in full. If you cancel your coverage before its term, some insurance providers may charge a cancellation fee.
Methodology
In collaboration with Quadrant Information Services, we gathered standard auto insurance and non-owner car insurance rates across Kansas. According to MoneyGeek's methodology page, the plans were for a 40-year-old driver with full coverage insurance, and the student rates were calculated using the average cost of adding an 18-year-old driver to a parent's policy.
MoneyGeek calculated the cost of one-month and three-month insurance policies, assuming a full refund from the insurer. MoneyGeek also collected rental car insurance prices in Kansas by utilizing Avis, Enterprise and Hertz’s websites.
About Mark Fitzpatrick
