BestAuto InsuranceKansasThe Best Car Insurance in Kansas for 2023
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
BestAuto InsuranceKansasThe Best Car Insurance in Kansas
Best Overall - GEICO
Best for Customer Service - Auto-Owners Insurance
Best for Minimum Coverage - American Family
Best for Young Drivers - Allstate
Best for Seniors - American Family
Best for Bad Driving Record - State Farm
Best for Military - USAA
Best for New Cars - Travelers
Best for Low-Mileage Drivers - Nationwide
Additionally, if you're not concerned with service quality and prefer to focus on affordability, MoneyGeek's study can assist you in finding the cheapest car insurance plans in Kansas.
Best Full Coverage Car Insurance Companies in Kansas: Overall
MoneyGeek found American Family to be the best overall car insurance company in Kansas, closely followed by State Farm. Here's how they fared:
- American Family: MoneyGeek score of 77 out of 100 ($758 per year)
- State Farm: MoneyGeek score of 74 out of 100 ($848 per year)
USAA received a high rating of 100 out of 100 from MoneyGeek, making it the best of all companies. We did not include their ratings, however, because their policies are available only to active and retired military personnel.
MoneyGeek's analysis of the best car insurance providers in Kansas took into account a variety of factors, including their claims history, customer satisfaction and affordability. If you’re on a budget, we also created a list of affordable full coverage auto insurance companies in Kansas.
THE TOP CAR INSURANCE COMPANIES IN KANSAS
1
American FamilyBest Overall
Score:77
The company ranked first in affordability and tied for second place in claims, user satisfaction and financial stability. Its Original Equipment Manufacturer (OEM) coverage ensures only original parts are used to repair your vehicle.
Average Annual Cost: $758
More About American Family
You can purchase American Family's OEM Coverage to ensure only original parts, not aftermarket parts, will be used for your vehicle's repair. Its rideshare insurance is a low-cost add-on coverage option that can supplement your existing car insurance policy. It covers you while you're waiting for a ride request, which is typically the most vulnerable part of driving for a ridesharing company.
Additionally, American Family offers add-on coverages such as gap insurance and accident forgiveness. In the event your car is damaged in a covered loss, gap insurance pays the difference for the car and the cost to replace it with a new vehicle. Meanwhile, with accident forgiveness coverage, your premium won’t increase after an accident.
2
State Farm
Score:74
It tied for first in claims, second in financial stability and customer satisfaction and has the third best affordability rating. The company's rideshare insurance is a one-of-a-kind feature.
Average Annual Cost: $848
More About State Farm
Except for liability coverage, State Farm's rideshare insurance add-on ensures that your auto insurance policy's medical, roadside assistance and rental car reimbursement coverages remain in effect while you’re driving for a ridesharing company like Uber or Lyft. The coverage takes into account your personal policy's deductible, even if it's lower than the ridesharing company's.
State Farm offers roadside assistance, which is ideal in emergency situations. This extra coverage offers mechanical labor, towing and locksmith labor. You can also get gas, oil, batteries and a new set of tires delivered.
The insurer also has additional add-on coverages for rental car or travel reimbursement. If you’re at fault in an accident while driving a rental car, this coverage helps pay for travel expenses such as meals, lodging and transportation.
3
Nationwide
Score:73
Nationwide ranked second-best in affordability ratings, with an average policy cost of $764. Furthermore, it tied for first in financial stability and second in customer satisfaction and claims ratings. Its Identity Theft Coverage is an excellent add-on for your policy.
More About Nationwide
With Nationwide's unique Total Loss Deductible Waiver added to your comprehensive or collision insurance, the company will waive your deductible, regardless of the amount, if your car is totaled due to a covered peril. The Identity Theft Coverage add-on will reimburse you up to $25,000 for identity recovery expenses if you’re the victim of identity theft.
4
Allstate
Score:70
Allstate was rated best in customer satisfaction and tied for best in claims and financial stability. Its average annual cost of $987 gave it an average affordability rating. The company's custom parts coverage is a unique benefit.
More About Allstate
For comprehensive coverage plans, Allstate offers a unique coverage, the portable electronics and media coverage add-on, which covers loss to any tapes, compact discs or similar items used with an auto sound system. Custom parts coverage is an add-on to comprehensive and collision insurance that protects custom equipment in the event of a total loss.
5
Travelers
Score:70
Traveler's quotes an average of $957 yearly. It was rated best in financial stability and tied for first in claims and second in customer satisfaction. The company offers a gap insurance add-on.
More About Travelers
Gap insurance, also known as loan/lease insurance, can be beneficial for those who have financed or leased their vehicle. If your car is totaled, this coverage may reimburse the difference between the car's real cash worth and the unpaid balance of your auto loan or lease. If you total your new car during the first five years of using it, Travelers' New Car Replacement will pay you to replace it with a brand new car of the same make and model.
HOW WE DETERMINED THE BEST INSURANCE IN KANSAS
MoneyGeek selected the best full coverage car insurance policies in Kansas by analyzing quotes from various providers, as well as using NAIC's and J.D. Power's customer satisfaction and claims ratings. However, each insurance provider quotes differently based on a variety of factors. Read MoneyGeek's methodology for more information on this analysis.
MoneyGeek's Kansas Car Insurance Resources:
Best Car Insurance in Kansas for Customer Service
Based solely on user satisfaction and claims history, MoneyGeek found Auto-Owners Insurance to be the best car insurance company in Kansas for customer service.
On the basis of these two criteria, the following two companies were rated as the top Kansas insurers for customer service:
- Auto-Owners Insurance: MoneyGeek score of 96 out of 100
- GEICO: MoneyGeek score of 87 out of 100
THE TOP TWO CAR INSURANCE COMPANIES IN KANSAS FOR SERVICE QUALITY
1
Auto-Owners InsuranceBest for Customer Service
Score:NaN
Auto-Owners Insurance was rated as the best company for customer service. It scored 5 out of 5 in financial stability, 5 out of 5 in user satisfaction and 4.5 out of 5 in claims
More About Auto-Owners Insurance
Even if you use OEM components to fix your car after an accident, its value will be lowered. However, you will be compensated for the loss in value of your car if you purchase the company's Diminished Value Coverage add-on.
New Car Replacement coverage helps guard against your car's dwindling value. If your automobile is totaled, Auto-Owners Insurance’s extra coverage will also help you purchase a new one.
Additionally, you can get gap insurance, which covers you for the difference between your car’s value and your outstanding loan, if you’re involved in an accident. Overall, Auto-Owners Insurance is a great choice for those who prioritize customer service. When you file a claim, it’s best to work with a company that can efficiently and swiftly address your needs.
2
GEICO
Score:87
GEICO tied for first place in financial stability and second place in claims and customer satisfaction. It received a 4.5 out of 5 satisfaction score and 4 out of 5 claims ratings.
More About GEICO
Vehicles less than 15 months old and with fewer than 15,000 miles qualify for Mechanical Breakdown Insurance (MBI) from GEICO. All parts and systems are covered by this special insurance and are less expensive than a dealer-extended warranty.
In addition, GEICO offers accident forgiveness benefits to policyholders with a clean driving record of five years or more and those who are over the age of 21. If you don’t fit this criteria, you can purchase this add-on coverage.
If you’re caught in an emergency, GEICO’s roadside assistance helps pay for the cost of flat tires, towing, jump starts and lockout labor. GEICO also offers rental car coverage, which compensates you after an accident in case your car isn’t driveable for more than 24 hours.
Best Car Insurance in Kansas for Minimum Coverage
For those looking to save, MoneyGeek researched the cheapest minimum coverage car insurance in Kansas and determined that American Family is our top pick. The following are the best car insurance providers for Kansas drivers on a budget:
- American Family: MoneyGeek score of 74 out of 100 ($376 per year for state minimum coverage)
- State Farm: MoneyGeek score of 74 out of 100 ($402 per year for state minimum coverage)
MoneyGeek found the most affordable Kansas insurers that meet Kansas’ minimum car insurance requirement.
MoneyGeek’s Pick: American Family
pros
An affordable minimum coverage rate of $376 per year on average
Discounts for new customers, setting up automatic payments and enrolling in online billing
User satisfaction score of 4.5 out of 5
cons
No discounts for installing anti-theft systems as offered by most insurance companies
Claims ratings of 3.5 out of 5
COMPANY HIGHLIGHTS
Bundling your auto and home insurance policies might help you save money through American Family. If you have more than one car insured with the company, you may be eligible for a discount on your auto insurance premium. Also, car insurance premiums will be discounted for safe drivers who don't have any accidents, complaints or claims in their driving history.
You are eligible for a discount if you set up automatic recurring payments for your insurance premiums. Additionally, as a new customer, you may be eligible for a discount on your auto insurance if you switch to American Family from one of their competitors. Furthermore, its volunteer discount offers lower insurance rates to those under 25 who work 40 hours a year for a non-profit organization.
Best Car Insurance in Kansas for Young Drivers and Students
Kansas' best car insurance policies for students and young drivers strike a good balance between affordable rates and high-quality service. Based on these factors, Allstate is the cheapest and best for students and young drivers in Kansas. We found that the top insurers for these drivers are:
- Allstate: MoneyGeek score of 90 out of 100
- Progressive: MoneyGeek score of 87 out of 100
MoneyGeek evaluated the cheapest car insurance in Kansas for young drivers and students so you can choose an affordable option. Our analysis covered rates for high school and college students in Kansas that are in their late teens and early 20s.
MoneyGeek’s Pick: Allstate
pros
Affordable quotes for adding students and young drivers at around $2,075 per year
Offers good student, driver's education and distant student discounts
Highest user satisfaction score of 4.5 out of 5
4 out of 5 score for claims ratings
cons
Best Car Insurance in Kansas for Those With New Cars
COMPANY HIGHLIGHTS
Adding a young driver to an adult's policy can increase the cost of your insurance premium. Allstate, on the other hand, offers low rates while providing exceptional customer service to young drivers and students. Since young drivers are more likely to file claims, good customer service can help soften an otherwise stressful process.
Full-time students with good grades can also receive lower rates using Allstate’s good student discount. A student attending school 100 miles away from where the car is located can benefit from the policy's distant student discount. Also, completing the teenSMART driving education program may qualify you for a discount from Allstate.
Best Car Insurance in Kansas for Seniors
MoneyGeek rated top-performing insurance providers in Kansas for senior drivers based on customer service and cost. The two best options in Kansas are:
- American Family: MoneyGeek score of 81 out of 100 ($730 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($697 per year)
Our scoring system balances service quality and affordability for senior drivers. MoneyGeek also selected the best and most affordable car insurance policies for Kansas seniors.
MoneyGeek’s Pick: American Family
pros
One of the cheapest policies for seniors at around $730 per year
Offers roadside assistance and rental car coverage
Scored 4 out of 5 in both claims scores and user satisfaction ratings
Offers senior and defensive driving discounts
cons
Doesn’t offer an anti-theft system discount
COMPANY HIGHLIGHTS
Keep in mind that seniors tend to pay more expensive auto insurance premiums. However, American Family offers reasonable rates paired with great service quality, making it an ideal option for older drivers.
Seniors have many add-on coverages to choose from, including roadside assistance, rental car reimbursement, accident forgiveness, gap insurance, rideshare insurance and Original Equipment Manufacturer (OEM) coverage. Typically, auto insurance premiums drastically increase after you’re involved in an accident. With accident forgiveness, your premium won’t increase after your first at-fault accident..
Additionally, seniors can save money with American Family’s defensive driving and senior driver discounts. You can also receive a discount if you finish a defensive driving course or if you’re 55 years old or older.
Best Car Insurance in Kansas for Bad Driving Records
According to our findings, State Farm is the best for drivers with a history of at-fault accidents. The top two companies for this category include:
- State Farm: MoneyGeek score of 84 out of 100 ($995 per year)
- Allstate: MoneyGeek score of 83 out of 100 ($1,233 per year)
MoneyGeek evaluated Kansas' top car insurance providers for drivers who have a history of traffic violations, such as being at fault in an accident. For those with a bad driving record, the best companies often provide a combination of affordability and customer service.
If you’re looking for potential savings, MoneyGeek selected the cheapest auto insurance policies for drivers with DUIs in Kansas.
MoneyGeek’s Pick: State Farm
pros
An affordable full coverage policy costing $995 per year after an at-fault accident.
Claims and user satisfaction ratings of 4 out of 5
Provides roadside assistance and rental car reimbursement benefits to policyholders
cons
Does not offer accident forgiveness, new car replacement and better car replacement coverages
COMPANY HIGHLIGHTS
In Kansas, State Farm provides the best car insurance coverage for drivers with a bad driving record, at around $995 per year. The company has a claims rating and user satisfaction rating of 4 out of 5.
State Farm provides the following coverages, even if you have a bad driving record:
- Roadside assistance: It offers mechanical roadside assistance, including towing services, flat tire changes, gas, oil or batteries delivery. If you lose your key or lock it inside your car, you’re also eligible for one hour of locksmith labor.
- Rental car reimbursement: It pays for car rental expenses up to preset limitations, trip expenses up to $500 and deductible payback up to $500 if you are at fault in an accident with your rental car.
Best Car Insurance in Kansas for a Military Background
MoneyGeek found USAA to be the best car insurance provider for current and former military members in Kansas. The company received a MoneyGeek score of 100 out of 100 for financial stability, claims history, affordability and user satisfaction.
A state minimum car insurance policy from USAA costs an average of $270 per year for a regular military driver and $891 per year for those with a history of at-fault accidents.
Based on our evaluation of USAA's services, you should be aware of the insurer’s benefits and drawbacks.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy of $891 per year on average for poor drivers
Claims and user satisfaction score of 5 out of 5
Offers rideshare gap coverage
Offers multiple car discount
cons
USAA policies are only available to military personnel and their families.
COMPANY HIGHLIGHTS
Aside from offering some of the most affordable insurance policies in Kansas, USAA also provides great customer service to its policyholders — the company has a reputation nationwide for its excellent customer feedback.
The company offers the following benefits:
- Rideshare insurance: If you’re a military member working for a ridesharing company, you’ll benefit from the insurer’s rideshare insurance. USAA offers rideshare insurance for the few minutes you're left uninsured while waiting for a ridesharing request. This add-on coverage is available at $6 per month if you have a standard USAA auto Insurance policy.
- Rental car and/or travel reimbursement: With this add-on coverage, your travel expenses will be reimbursed while your car is being repaired as a result of a covered loss.
- Driver's education discount: After completing an approved driver safety course, USAA policyholders are eligible for a discount.
- Safe driving discount: You can get this discount with your standard USAA coverage if you maintain a clean driving record for five years.
Best Car Insurance in Kansas for Those With New Cars
MoneyGeek's research looked at the best auto insurance providers for Kansas drivers with a new car. Travelers received the highest MoneyGeek score in Kansas in this category, with a score of 70 out of 100. The insurer offers policies for $957 per year.
This policy is recommended for drivers who want better or new car replacement coverage added to their policy. New car replacement coverage will pay for a similar model if your new car is damaged within the first few years.
In addition, you may be able to purchase a newer model car to replace your damaged one if your insurer offers better car replacement coverage. Some insurance companies provide this coverage for vehicles less than five years old. This coverage is usually not included in your standard policy, though, so you will have to buy it as an add-on.
MoneyGeek’s Pick: Travelers
pros
Affordable policies costing an average of $848 per year
Offers new car replacement coverage
Claims ratings and customer satisfaction scores of 4
cons
No deductible modification or better car replacement coverage
COMPANY HIGHLIGHTS
Travelers’s new car replacement coverage is a good option for drivers with new cars. You can drive around with peace of mind, knowing that your car is covered in the event it’s damaged in a covered loss.
The value of your car begins to diminish as soon as you drive it off the lot. If your car is involved in an accident shortly after purchasing the vehicle, this coverage replaces it with a new model without considering its depreciated value. Note that this is applicable only if your car is less than five model years old.
Travelers also scored 4 out of 5 in claims and customer satisfaction rating, so when you file a claim, rest assured that it will be processed efficiently.
Best Car Insurance in Kansas for Low-Mileage Drivers
Nationwide SmartMiles is the top-rated pay-per-mile program in Kansas.
Pay-per-mile coverage is available from several insurance companies. This coverage allows you to pay for car insurance based on the number of miles you drive, giving drivers who drive less frequently a way to save money.
MoneyGeek’s Pick: Nationwide
pros
Provides low-mileage drivers with affordable policies
cons
This coverage will be more expensive than standard car insurance for those who drive frequently
User satisfaction and claims score of 3.5 out of 5
COMPANY HIGHLIGHTS
Nationwide's pay-per-mile program, SmartMiles, is available for Kansas drivers. It offers both a flat rate and a variable rate based on your total miles driven. It will be a relief for drivers to know that only the first 250 miles of a road trip are counted in a single day using the Nationwide SmartMiles program. Keep in mind that your monthly premiums can differ since rates are based on how frequently you drive.
Additionally, you can earn up to a 10% discount for safe driving. The SmartMiles variable rate is mileage-based and accounts for how often you drive. Therefore, those who drive infrequently or occasionally take road trips can significantly benefit from this program. SmartMiles may also be a great option for those who take quick drives around their immediate area.
How to Find the Best Car Insurance in Kansas For You
Numerous factors come into play while choosing the best vehicle insurance plan in Kansas. Additionally, you should choose a company that maintains a proper balance between service quality, cost and financial stability.
MoneyGeek evaluated the best car insurers in the state using these criteria, but you should conduct your own research to determine which company best meets your needs.
1
Research customer service reputations in Kansas
MoneyGeek collected car insurance quotes from various providers using a sample driver profile and assessed the NAIC complaint ratios and J.D. Power's customer satisfaction scores to find the best insurers in Kansas. Along with MoneyGeek's recommendations, you may look into J.D.Power's ratings and NAIC complaint index to determine which provider is the best fit for your needs. Additional insurance information is available on the state department of insurance website.
2
Compare quotes for yourself
To conduct this study, MoneyGeek evaluated rates for a sample driver but not for the entire state. You must compare quotes from at least three different insurance providers to gain a better understanding of the state’s average rates and coverage.
3
Make sure the company has coverages you want in Kansas
Prior to buying a car insurance policy, it's critical to ascertain whether the company you're considering gives you the required coverage and if they have any discounts or offers that you may be otherwise eligible for. Certain insurers may offer a certain discount or coverage but fail to indicate whether it is accessible in Kansas.
4
Double-check financial stability ratings
When purchasing insurance, it is critical to examine the company's financial stability. Due to their financial stability, large insurance companies are more likely to pay claims promptly and fairly. Regional insurance companies in Kansas may not be that financially sound, and as a result, their claims may not be handled properly.
FAQs About the Best Car Insurance in Kansas
Car insurance premiums in Kansas are decided by the type of coverage you require and other factors. Here we have answered some of the most frequently asked questions in the state regarding auto insurance.
About Mark Fitzpatrick
sources
- Nationwide. "SmartMiles." Accessed September 1, 2022.