The Best Car Insurance in Kansas

Travelers leads Kansas car insurance, followed by Auto-Owners, GEICO, Shelter Insurance and Progressive as top choices for drivers.

Find the best car insurance for you in Kansas today.

Written by Mark Fitzpatrick

Updated: December 29, 2025

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Quick Take: What Is the Best Car Insurance for Kansas Drivers?

Best Overall and Best for Young Drivers or Those With a Violation: Travelers, 4.67/5 stars
Travelers leads Kansas car insurance, ranking first overall with strong affordability (4.8/5) and customer experience (4.6/5) scores. Young drivers pay $152 monthly and drivers with accidents pay $103 monthly. The IntelliDrive telematics program and bundling discounts (up to 25%) provide additional savings. Read more

Best Cheap: GEICO, 4.44/5 stars
GEICO ranks third overall but leads Kansas for affordability with a perfect 5.0 score. Full coverage costs $71 monthly and minimum coverage costs $25 monthly, significantly below state averages. The digital-first approach works well for budget-conscious drivers comfortable with online policy management. Read more

Best Cheap for Drivers With Bad Credit or Low Income: Shelter Insurance, 4.13/5 stars
Shelter ranks fourth overall with competitive rates for drivers facing credit challenges. Full coverage costs $97 monthly and minimum coverage costs $45 monthly. The company ranks third in coverage options and provides local agent service throughout Kansas. Read more

Best Car Insurance Companies in Kansas

Travelers ranks first with a 4.67 overall score, leading in affordability and customer experience. Auto-Owners places second with the top customer satisfaction rating (5.0/5) at $61 monthly. GEICO finishes third with the lowest premiums at $48 monthly. The table shows top-rated car insurance company scores in Kansas based on affordability, customer experience and coverage options:


Travelers	4.67	$55	2	5
Auto Owners	4.62	$61	1	6
Geico	4.44	$48	6	7
Shelter Insurance	4.13	$71	9	3
Progressive	4.03	$91	3	2

Best Car Insurance in Kansas by Driver Profile

Kansas car insurance varies by driver profile. Travelers wins seven driver categories. Auto-Owners leads three categories.

Best for Young Drivers (16 to 25): Travelers. Young drivers pay $152 monthly with Travelers. Family plan discounts reduce costs when adding teens to existing policies. Accident forgiveness protects new drivers from rate increases after first mistakes, saving hundreds annually.
Best for Senior Drivers (65+): Travelers. Seniors receive age-specific discounts and defensive driving course credits that cut premiums significantly. Travelers pays $91 monthly for seniors. Accident forgiveness protects experienced drivers from rate increases after first claims. The simplified claims process makes insurance matters easier.
Best With an At-Fault Accident: Travelers. Travelers charges $103 monthly after an accident versus $130+ at competitors applying 30% rate increases. Accident forgiveness keeps your current rate intact after your first at-fault crash. Safe driving courses help maintain clean records going forward.
Best With a Speeding Ticket: Travelers. Travelers charges $99 monthly with a speeding ticket versus $130+ at insurers applying 50% increases. Point reduction programs clear violations faster. Defensive driving courses can remove points and lower premiums despite recent tickets.
Best With Bad Credit: Travelers. Travelers focuses more on driving records than credit history when pricing policies. Drivers with bad credit pay $234 monthly with Travelers versus $300+ at credit-sensitive insurers. Rates drop faster as credit improves compared to competitors.


Young Drivers	Travelers	1	2	5
Adult Drivers	Auto Owners	3	1	6
Senior Drivers	Travelers	1	2	5
Drivers With An Accident	Travelers	1	2	5
Drivers With A DUI	Travelers	1	2	5
Drivers With A Speeding Ticket	Travelers	2	2	5
Drivers With Bad Credit	Travelers	3	2	5
Drivers With Low Income	Auto Owners	3	1	6
Drivers With Newer Cars	Travelers	2	2	5
Drivers With Old Cars	Auto Owners	2	1	6

Best Kansas Car Insurance Reviews

Three car insurance companies earned top marks in MoneyGeek's analysis: Travelers, GEICO and Shelter Insurance. Each provider delivers distinct advantages for different driver profiles and coverage needs. Our comprehensive evaluation examined pricing, coverage options and customer service quality to identify which insurer works best for your specific situation.

Best Overall for Kansas: Travelers

Travelers

Best Customer Experience and Coverage Options in Kansas

MoneyGeek Rating

4.0/ 5

3.8/5Affordability

4.1/5Customer Experience

4.8/5Coverage Points

Average Monthly Full Coverage Cost
$76
Average Monthly Minimum Coverage Cost
$33
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Kansas car insurance providers
- Ranks second in customer experience with digital claims processing
- Best for drivers seeking reliable service from Fortune 100 company
- 24/7 customer support with IntelliDrive usage-based discount program
cons
- Coverage options rank fifth compared to other Kansas insurers
- Add-on coverages may cost more than competitors offer
- Limited specialty coverage for unique driver needs
Travelers is our top pick for Kansas drivers, ranking first overall with a 4.67 score. The company combines strong affordability (4.8/5) and customer experience (4.6/5) ratings. Young drivers pay $152 monthly and drivers with violations face gentler rate increases than competitors. Solid financial strength and responsive claims handling address Kansas tornado and hail damage efficiently.
Travelers charges $76 monthly for full coverage and $33 for minimum coverage in Kansas. Young drivers pay $152 monthly. Drivers with accidents pay $103 monthly and those with speeding tickets pay $99 monthly, beating competitors in high-risk categories.

Travelers bundles home and auto policies for up to 25% savings. The IntelliDrive telematics program rewards safe driving. Multi-policy, paperless billing and automatic payment discounts stack for additional savings.
Travelers achieves a 4.6 customer experience score in Kansas, ranking second statewide. The mobile app handles policy management, claims filing and digital insurance card access efficiently. Local agents throughout Kansas and 24/7 claims support respond effectively to tornado and hailstorm damage. The established repair network completes work efficiently during peak storm seasons.
Travelers provides comprehensive coverage beyond standard liability, collision and comprehensive protection. Add-ons include gap coverage, rental reimbursement, roadside assistance and new car replacement coverage for newer vehicles.

Flexible deductible options and coverage limits let Kansas drivers customize policies for severe weather risks. Coverage excludes commercial use for rideshare drivers needing specialized business coverage. Kansas drivers benefit from comprehensive coverage given frequent hail and tornado activity.

Best for Affordability: GEICO

GEICO

Best Cheap Car Insurance in Kansas

0/5Affordability

0/5Customer Experience

0/5Coverage Points

Average Monthly Full Coverage Cost
$71
Average Monthly Minimum Coverage Cost
$25
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks first for affordability among Kansas insurers
- Mobile app enables same-day claims processing and management
- A++ AM Best rating demonstrates strong financial stability
- Best choice for budget-conscious drivers seeking basic coverage
cons
- Limited coverage options compared to other Kansas insurers
- Customer service experience lags behind state competitors
GEICO ranks third overall among Kansas insurers but leads for affordability with a perfect 5.0 score. Full coverage costs $71 monthly and minimum coverage costs $25 monthly, Kansas's lowest premiums. The digital-first approach and streamlined operations benefit budget-conscious drivers comfortable with online policy management.
GEICO offers Kansas's lowest rates at $25 monthly for minimum coverage and $71 monthly for full coverage. These prices beat competitors like Progressive, which charges $52 for minimum and $130 for full coverage monthly.

Efficient digital operations and selective underwriting create the affordability advantage. Military discounts, multi-policy bundling and safe driver programs reward good records with additional savings.
GEICO's customer experience ranks sixth among Kansas insurers with a 3.8 out of 5.0 score. The mobile app works well for policy management and claims filing, though phone support wait times run longer than competitors. The digital-first approach handles routine transactions efficiently but can frustrate customers needing complex claims help. For Kansas hail damage and severe storms, GEICO processes claims through regional centers rather than local agents, slowing response during widespread weather events.
GEICO provides standard liability, collision and comprehensive coverage with mechanical breakdown protection for newer vehicles and emergency roadside assistance. Coverage options rank seventh in Kansas, offering essentials without extensive customization. Business use and ridesharing require additional coverage. GEICO's comprehensive coverage handles Kansas hail and storm damage efficiently. The streamlined approach keeps costs low but limits options for gap insurance or custom equipment coverage.

Best for Bad Credit and Low Income: Shelter

Shelter Insurance

Best for Bad Credit and Low Income

0/5Affordability

0/5Customer Experience

0/5Coverage Points

Average Monthly Full Coverage Cost
$97
Average Monthly Minimum Coverage Cost
$45
Agent Service Score
3.6/5
Most Unique Coverage Add-On
Farm Equipment Protection

pros
- Ranks third in Kansas for comprehensive coverage options
- Strong financial stability with AM Best A+ rating
- Offers unique farm and rural property insurance bundles
- Local Kansas agents provide personalized community service
cons
- Limited digital tools compared to major competitors
- Fewer discount opportunities for urban Kansas drivers
- Customer service response times lag behind competitors
Shelter ranks fourth among Kansas insurers with a 4.13 overall score. The company leads for drivers with bad credit or low income, charging competitive rates when other insurers apply premium pricing. Shelter ranks third in coverage options and fourth in affordability. Local Kansas agents provide personalized service despite weaker customer experience scores.
Shelter charges $97 monthly for full coverage and $45 for minimum coverage in Kansas. The rates provide solid value for drivers with credit challenges facing higher premiums elsewhere.

Shelter offers multi-policy bundling, safe driver discounts and good student discounts. Combining home and auto policies saves 10% to 25%. Defensive driving courses and vehicle safety features provide additional savings.
Shelter achieves a 3.5 out of 5 customer experience score, ranking ninth among Kansas insurers. The mobile app offers basic policy management and claims filing without advanced competitor features. The strong local presence through independent Kansas agents helps with personalized service and weather damage claims. Phone wait times run longer than top-rated competitors and digital tools are more limited than larger carriers.
Shelter offers comprehensive coverage beyond standard liability, collision and comprehensive protection. The company provides roadside assistance, rental reimbursement and umbrella coverage to extend protection limits. Coverage flexibility addresses Kansas severe weather damage and hail storms. The local agent network understands regional risks and customizes policies accordingly. Some specialty coverages like gap insurance and pet injury protection are limited compared to larger competitors.

Rates at the Best Car Insurance Companies in Kansas

Kansas top insurers charge below state averages of $45 for minimum coverage and $116 for full coverage. GEICO offers the lowest rates at $71 for full coverage and $25 for minimum. Travelers places second at $76 monthly and Auto-Owners third at $87 monthly. See our guide to average auto insurance costs in Kansas.


Geico	$71	$25
Travelers	$76	$33
Auto Owners	$87	$36
Shelter Insurance	$97	$45
State Farm	$118	$36
Progressive	$130	$52

Kansas car insurance rates depend on driver profile. Clean records and middle-aged drivers pay the least, while violations and poor credit increase costs significantly. Top insurers specialize in different categories. Match your profile to find your best rate in Kansas.


Drivers With Old Cars	Auto Owners	$55	$23
Drivers With Newer Cars	Travelers	$75	$33
Adult Drivers	Auto Owners	$82	$31
Senior Drivers	Travelers	$91	$46
Drivers With A Speeding Ticket	Travelers	$99	$40
Drivers With An Accident	Travelers	$103	$43
Drivers With A DUI	Travelers	$110	$45
Drivers With Low Income	Auto Owners	$151	$69
Young Drivers	Travelers	$152	$66
Drivers With Bad Credit	Travelers	$234	$122

How to Find the Best Car Insurance in Kansas

Getting the best car insurance in Kansas means selecting adequate coverage for local risks and securing competitive rates.

1
Choose Adequate Coverage
- Kansas minimum requirements: $25,000 per person bodily injury liability, $50,000 per accident, $25,000 property damage, $4,500 personal injury protection (PIP) and $25,000/$50,000 uninsured/underinsured motorist coverage. State minimums satisfy legal requirements but won't protect you adequately in serious crashes.
- Most Kansas drivers need 100/300/100 coverage: $100,000 in liability protection shields wages and assets, while comprehensive and collision coverage handles severe weather damage, tornado destruction, theft and at-fault accidents. Add uninsured motorist coverage since 13% of Kansas drivers lack insurance. Learn more about how much coverage you need.
2
Lower Your Rates
- Gather multiple quotes: Comparing at least three quotes reveals which Kansas insurer offers your best rate since pricing varies widely for identical coverage. See the cheapest companies in Kansas.
- Polish your risk profile: Kansas-approved defensive driving courses earn discounts, and addressing violations quickly limits long-term rate impacts. Improving your credit score can cut premiums up to 70%.
- Stack multiple discounts: Good driver savings (10% to 20%) combine with multi-car discounts (10% to 25%) and paperless billing (3% to 5%). Bundling home and auto insurance adds another 15% to 25% off.

Best Auto Insurance in Kansas: FAQ

Below, our insurance experts tackle the most frequently asked questions about securing affordable car coverage in the Sunflower State:

What's the best comprehensive deductible for Kansas drivers?

Pick a $500 or $750 comprehensive deductible over $1,000 in tornado-prone areas like Dodge City and Wichita. Lower deductibles protect better against frequent hailstorms and severe weather damage. Kansas City and Topeka drivers facing higher theft rates should also choose lower deductibles.

Is full coverage the best choice for my older paid-off car in Kansas?

Drop comprehensive and collision for cars worth under $5,000 to cut costs significantly. Maintain full coverage for vehicles valued at $10,000 or more given Kansas's severe tornadoes, hailstorms and rising theft rates. Keep full coverage without adequate emergency savings to avoid unexpected repair bills.

What is the best Kansas car insurance for customer service?

Auto-Owners leads Kansas for customer service with a perfect 5.0 score.

What is the best car insurance in Kansas for the lowest rates?

GEICO has the lowest rates. See our analysis of the cheapest car insurance companies in Kansas.

What's the cost of car insurance in Kansas?

The average cost of car insurance in Kansas is $116 monthly for full coverage and $45 for minimum coverage.

How We Rated the Best Car Insurance in Kansas

We researched more than 70 companies in Kansas, from national to small local providers across all U.S. residential ZIP codes in Kansas. We also analyzed customer reviews, discounts and coverage details to give you a complete picture of each provider's services.

Here's how we score each company in Kansas:

Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Kansas. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We analyzed rates in Kansas by driver profile to make sure you are getting the best rate for your situation.
Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Kansas-specific feedback to get an accurate best score.
Best Coverage options (10% of score): This score considers the breadth of coverage options a company offers and unique coverage features that stand-out.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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