Travelers ranks as the best car insurance company in Kansas, earning a MoneyGeek score of 4.67 out of 5 for its strong balance of affordability, customer service and coverage options. Since insurance needs vary by driver, we also recommend considering Travelers, GEICO, Shelter and Progressive.
Best Car Insurance in Kansas
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Kansas is Travelers, ranking first in the state for overall performance with strong customer satisfaction scores.
Travelers stands out for drivers with accident history, while Auto-Owners offers excellent rates for drivers with older vehicles in Kansas.
Kansas drivers should determine their coverage needs first, research provider options and compare plenty of quotes to find their best insurance rates.
Best Car Insurance Companies in Kansas
| Travelers | 4.67 | $55 | 2 | 5 |
| Auto-Owners | 4.62 | $61 | 1 | 6 |
| GEICO | 4.44 | $48 | 6 | 7 |
| Shelter | 4.13 | $71 | 9 | 3 |
| Progressive | 4.03 | $91 | 3 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Kansas by Driver Profile
Travelers leads in seven out of ten driver categories as the most affordable option in Kansas. Auto-Owners provides the lowest rates for the remaining three categories: adult drivers, low-income drivers and drivers with older cars.
| 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 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Kansas Car Insurance Recommendations
Our general recommendations may not match your specific situation. Compare rates from our top five Kansas providers to find coverage that fits your personal profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | 4.64 | $262 | 2 | 5 |
| Auto-Owners | 4.63 | $279 | 1 | 6 |
| Shelter | 4.49 | $230 | 9 | 3 |
| GEICO | 4.18 | $289 | 6 | 7 |
| Farm Bureau | 4.17 | $304 | 4 | 8 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Kansas Car Insurance Reviews
Each top-rated provider's detailed coverage options and service features appear below.
Travelers
Best Cheap Overall in Kansas
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
4.6/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$76For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$33For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Auto-Owners
Best Customer Experience in Kansas
MoneyGeek Rating
4.0/ of 5
3.8/5Affordability
4.1/5Customer Experience
4.8/5Coverage Options
Average Monthly Full Coverage Cost
$87For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$36For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
How to Find the Best Car Insurance in Kansas
Shopping for car insurance in Kansas requires careful comparison of rates, coverage options and insurance companies. Our guide helps you find the right coverage at competitive rates.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Review your driving patterns, vehicle value and financial situation to determine the level of auto insurance you need while satisfying Kansas required minimums.
- 2
Research average costs and discounts you may qualify for
Start by understanding average car insurance costs in Kansas to establish a baseline for your situation. Look into money-saving opportunities like home and auto insurance bundles, safe driver programs and good student discounts. Kansas drivers can also complete a defensive driving program to earn additional savings on their premiums.
- 3
Look through provider customer experiences and coverage options thoroughly
Insurance companies offer more than just rates. Research customer reviews and ratings to understand claims handling and service quality. Review available coverage add-ons to ensure the provider can meet any specialized protection needs.
- 4
Consider non-standard coverage options
Explore alternative insurance options like manufacturer coverage, non-owner car insurance, and pay-per-mile policies that might better suit your needs. Since Kansas requires SR-22 insurance in certain cases, factor this into your provider selection if applicable.
- 5
Compare plenty of quotes through multiple means
Shop around extensively to find the cheapest option possible for your coverage needs. Get quotes from independent agents, direct from insurers and online comparison tools.
- 6
Reassess annually
Review your coverage and compare rates yearly to find the best value for your needs.
Best Kansas Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Auto-Owners and GEICO are also good options for drivers in Kansas.
Best Auto Insurance in Kansas: FAQ
Your ideal car insurance depends on personal needs, so we've answered common questions to help you pick the right coverage for your situation.
What is the best car insurance company in Kansas?
Travelers stands as Kansas's top auto insurance provider, offering full coverage at an average monthly rate of $76.
What is the best car insurance company for minimum coverage in Kansas?
GEICO ranks highest for minimum coverage in Kansas with an average rate as low as $302 per year.
What is the best car insurance in Kansas for young drivers?
Travelers is the top insurance choice for young adults in Kansas, providing competitive rates and reliable coverage backed by strong customer service ratings.
What is the best car insurance for Kansas drivers who value customer service?
Auto-Owners ranks highest for customer experience in Kansas with a score of 5 out of 5. The company excels across all service areas, from purchase experience to claims handling and policy management.
What is the best car insurance in Kansas if you have driving offenses?
Travelers leads the pack for Kansas drivers with violations, offering monthly rates of $40 for minimum coverage and $99 for full coverage policies.
How We Rated the Best Car Insurance in Kansas
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Kansas. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- 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 also check other combinations to ensure you find the right fit 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 score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.