BestCar InsuranceKansasBest Car Insurance in Kansas (May 2023)
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Ensure you're getting the best rate. Review quotes from a top insurance company.
Shelter is the best company for full coverage and minimum coverage policies in Kansas. It offers the best car insurance for seniors and those looking for outstanding customer service. American Family is great for young adults and drivers with offenses. Our top recommendations are Travelers for those with new cars and USAA for military members.
If you would like to focus more on affordable rates, we also reviewed the cheapest car insurance in Kansas.
BestCar InsuranceKansasBest Car Insurance in Kansas
Best Overall - Shelter
Best for Service - Shelter
Best for Minimum Coverage - Auto-Owners Insurance
Best for Young Adults - American Family Insurance
Best for Seniors - Shelter
Best for Driving Offenses - American Family Insurance
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Kansas
Shelter is the best car insurance company in Kansas for those seeking full coverage policies. The top two companies for full coverage policies are:
- Shelter: MoneyGeek score of 90 out of 100 ($1,027 per year)
- American Family: MoneyGeek score of 90 out of 100 ($842 per year)
Shelter offers one of the lowest full coverage policy rates. It also has a good amount of coverage options. If you’re looking for other affordable options, we rank the cheapest full coverage car insurance in Kansas.
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
Shelter has one of the best customer satisfaction scores and offers various coverages, including new car replacement coverage and gap insurance. The average cost of a full coverage policy is $1,027 per year, about mid-range compared to its competitors.
Shelter policies include New Car Replacement coverage at no extra cost. If your car is under a year old with less than 15,000 miles and it’s totaled in an accident, Shelter will replace it with a brand-new one of the same year and model.
In addition, customers who finance their cars can purchase gap insurance, which pays the difference between what your car is valued at and the amount you still owe if the car is totaled. These coverages help customers protect their investments.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
Of the companies we analyzed, American Family ranks best for coverages offered and claims handling. It offers Original Equipment Manufacturer (OEM) coverage, which ensures you don’t get aftermarket parts in case of repairs. The average cost of a full coverage policy from this company is $842 per year, among the lower-priced options in the state.
You can add Original Equipment Manufacturer (OEM) coverage and gap insurance to your American Family policy. Adding OEM coverage to your policy means you’ll get original parts specifically made for the model and make of your vehicle. This helps with maintenance, so you can use your car longer without sacrificing its quality. This coverage is available for vehicles that are less than seven years old. A collision-and-comprehensive coverage or comprehensive-only insurance is also required.
This company also offers loan gap or lease gap coverage, which helps you pay for the balance remaining on your loan or lease if your car is totaled in an accident. With this coverage, American Family deducts the overall cost of a replacement from the remaining balance of your loan. If you’re leasing a car, this coverage can cover the difference between the value of the car and the amount you need to pay.
How the Best Insurers in Kansas Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed 13 companies to find the best full coverage car insurance in Kansas, and Shelter came out at the top. We ranked the insurers based on their rates for full coverage policies, customer satisfaction, claims and coverage.
The cheapest company is Nationwide, with an average annual premium of $676, but it has the lowest customer satisfaction score. Its MoneyGeek score is only 87 out of 100, ranking eighth overall.
Our MoneyGeek score is based on all the data we can find for individual score components. Companies without sufficient data don’t make it to the rankings.
Best Car Insurance in Kansas for Customer Service
Shelter offers the best customer service for car insurance in Kansas. Based on our analysis, the best companies for customer service are:
- Shelter: MoneyGeek score of 91 out of 100 ($1,027 per year)
- American Family: MoneyGeek score of 90 out of 100 ($842 per year)
Although Shelter scores average for affordability, it ranks at the top for customer service and offers good coverages. Paying more might be worth it if your top priority is a good customer experience.
pros
Ranked first for customer satisfaction out of 10 companies
Offers roadside assistance, rental car reimbursement and gap insurance
cons
One of the more expensive companies, at $1,027 per year
No original equipment manufacturer (OEM) coverage
Low claims satisfaction score
COMPANY HIGHLIGHTS
Shelter auto policies automatically include new car replacement coverage at no extra cost. If your car is under a year old and has fewer than 15,000 miles, the company will replace it with a new one of the same brand and model if it is totaled. Roadside assistance coverage is also included for those who get flat tires, lock themselves out, have a dead battery or encounter other problems that cause breakdowns.
Customers can purchase add-ons like gap insurance or rental car/travel reimbursement, which pays for a rental car while their car is being repaired after a covered incident. In addition, ranked first for customer satisfaction, the company’s record bodes well for those who desire exceptional customer service.
What Makes an Insurer the Best for Customer Service?
Good customer service means transparency, reasonable prices and accessible self-service tools. Shelter has the highest score for customer satisfaction, although it costs $1,027 per year, which is on the higher end among its competitors. However, its rates are comparable to Farmers, which ranked last for customer satisfaction with an average cost of $1,049 per year.
Best Car Insurance in Kansas for Minimum Coverage
Auto-Owners Insurance Co is the best car insurance company in Kansas for minimum coverage policies. We ranked companies based on their rates and customer service for policies that only meet Kansas’s minimum coverage requirements. The top-ranking companies are:
- Auto-Owners Insurance Co: MoneyGeek score of 91 out of 100 ($291 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($271 per year)
Auto-Owners Insurance Co has affordable premiums and policies that include essential coverages. Minimum coverage policies are affordable because they offer the least liability protection and don’t cover damages to your car. If you’re looking for the lowest rates, consider exploring the cheapest minimum car insurance in Kansas.
pros
One of the most affordable options, at $291 per year
Offers a rich range of discounts
Has diminished value coverage, accident forgiveness and gap insurance
cons
Doesn’t have defensive driving discount
Claims and customer satisfaction scores can be improved
COMPANY HIGHLIGHTS
Auto-Owners Insurance Co’s highest scores are for affordability and coverage, which means you can get the most essential coverages at a reasonable price. The company also offers various discounts to help customers lower their rates.
For example, if you pair your car insurance policy with other kinds of insurance policies from Auto-Owners Insurance Co or insure multiple cars with the company, you can get a discount.
Auto-Owners offers discounts if your car has safety features, like anti-lock brake systems (ABS), airbags or anti-theft devices. The way you pay your premiums can also help you save. If you pay the full amount of your premium on time, you get a discount. You can also get a discount if you sign up for paperless billing and use online services to pay your premiums.
What Makes an Insurer the Best for Minimum Coverage?
A good minimum coverage policy is affordable and has adequate coverages. The rates used in this section are for minimum coverage policies, which are significantly cheaper than full coverage ones.
We ranked insurers based on data we gathered from J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best. Auto-Owners Insurance Co scored 4.49 for affordability, 3.75 for coverage and 3.60 out of 5 for customer satisfaction.
Best Car Insurance in Kansas for Young Adults
American Family offers the best car insurance for young adults. The companies providing drivers in their 20s the best balance of cost and service for full coverage insurance are:
- American Family: MoneyGeek score of 91 out of 100 ($993 per year)
- GEICO: MoneyGeek score of 89 out of 100 ($1,004 per year)
American Family received good scores for customer satisfaction and affordability. Affordability is important because young drivers pay higher premiums than older drivers, but they pay lower premiums than teen drivers. You can shop around for the cheapest car insurance for young drivers in Kansas.
pros
One of the cheapest options, at $993 per year
Offers good student and distant student discounts
Has all the essential coverages
cons
Filing claims may be difficult
Received an average rating for customer satisfaction
Doesn’t have driver’s education discount
COMPANY HIGHLIGHTS
American Family received good ratings for affordability and coverage. It is one of the cheapest companies, with an average premium of $993 per year. It offers roadside assistance, rental car and/or travel reimbursement, original equipment manufacturer (OEM) coverage and gap insurance.
If you’re new to American Family but had a policy from a different insurer, you can get a discount on your new car insurance policy. The Steer Into Savings discount allows you to save on your car insurance policy when you switch from another insurer to American Family.
American Family also offers emergency roadside assistance coverage, which can be helpful to young drivers who need more experience dealing with car breakdowns. This coverage helps with unlocking doors, changing tires, delivering gas and other services.
What Makes an Insurer the Best for Young Adults?
Good car insurance for young adults is affordable with enough coverages and opportunities to save. American Family is one of the most affordable options among the ten companies we reviewed. With a perfect score for coverage, it offers young drivers the protections they need.
Best Car Insurance in Kansas for Seniors
The best auto insurance for senior drivers in Kansas is Shelter. The top companies for full coverage policies for 60-year-old drivers are:
- Shelter: MoneyGeek score of 91 out of 100 ($848 per year)
- American Family: MoneyGeek score of 91 out of 100 ($766 per year)
We ranked the companies based on their costs and service, and Shelter provides a balance of both. From your 30s through your 60s, premiums may remain constant. However, they generally increase in your 70s. Shopping around can help you find the cheapest car insurance for seniors in Kansas.
pros
Offers gap insurance and new car replacement coverage
Has good customer service
Bundling discount for seniors
cons
Overall coverage options could be richer
Claims handling score can be improved
COMPANY HIGHLIGHTS
Shelter offers roadside assistance, rental car and/or travel reimbursement and gap insurance. These coverages can be useful for seniors, especially if their car breaks down or they're in an accident. The company received a high customer satisfaction score, which means you’re most likely to have a good experience when dealing with this company.
Roadside assistance can pay for services like battery jump-starting, towing, and door unlocking. Rental reimbursement covers the cost of a rental car in case of an accident. It can apply if the car only needs repairs or is totaled. If your car is totaled in an accident, Gap insurance can pay for the difference between the remaining amount of your loan and the market value of your car.
What Makes an Insurer the Best for Seniors?
Because seniors pay higher rates, the best car insurance for them should have affordable premiums and opportunities for discounts. Seniors should also look for coverages that support them in an emergency, like roadside assistance. Shelter is not the cheapest company in Kansas, but it has one of the highest customer satisfaction scores, higher than the cheapest option, Nationwide.
Best Car Insurance in Kansas for Drivers With Offenses
American Family is the best car insurance for drivers with speeding tickets, at-fault accidents and/or DUIs on their records. After analyzing the costs and services of each company for full coverage policies, these ranked at the top:
- American Family: MoneyGeek score of 92 out of 100 ($943 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($942 per year)
Drivers pay an average of $267 more annually if they have a speeding ticket, $483 more if they’ve been in an accident and $682 more if they have a DUI. You can also find the cheapest car insurance after an incident in Kansas by comparing rates.
pros
One of the most affordable options, at $943 per year
Has roadside assistance, accident forgiveness and rental car reimbursement
Has original equipment manufacturer (OEM) coverage
cons
Has a low claims management score
May not have the best customer service
COMPANY HIGHLIGHTS
American Family has one of the lowest premiums in Kansas for drivers with offenses, at an average of $943 per year. It also offers essential coverages, including roadside assistance, rental car reimbursement, original equipment manufacturer (OEM) coverage and gap insurance.
If you’ve been in an accident and can’t drive your car because it has been totaled or is being repaired, the insurer pays for a rental car. In addition, gap insurance helps you pay for the balance you have left on your loan or lease in case of a total loss in an accident.
Original equipment manufacturer (OEM) coverage guarantees payment for new parts that are made for your car if your vehicle needs repairs. This means you won’t end up with surplus or used parts in your car that can cause issues later.
What Makes an Insurer the Best for Drivers With Offenses?
Drivers who have speeding tickets, at-fault accidents and/or DUIs can benefit from low rates, incentives and coverages such as accident forgiveness. While American Family and State Farm have almost identical rates, American Family offers many important coverages that will protect you in case of an accident.
Best Car Insurance in Kansas for Drivers With New Cars
Travelers is the best car insurance company for drivers with new cars. For this category, we selected companies that offer new or better car replacement coverages, and our top picks are:
- Travelers: MoneyGeek score of 91 out of 100 ($1,177 per year)
- Farmers: MoneyGeek score of 83 out of 100 ($1,423 per year)
The category winner, Travelers, has the least expensive rates and the best score for claims management. It provides new car replacement coverage, which pays for the costs of a new car if yours is totaled in an accident.
pros
Has the cheapest rates, with an average yearly premium of $1,177
Offers new car replacement coverage
Has the best score for claims management
cons
Doesn’t offer original equipment manufacturer (OEM) coverage
No deductible modification
COMPANY HIGHLIGHTS
Travelers offers the most affordable insurance for drivers with new cars. Among the three companies we analyzed for this category, Travelers also has the highest rating for claims management.
When your automobile is totaled in an accident, Travelers' Premier New Car Replacement covers the cost of purchasing a brand-new car of the same make and model as your totaled car. Insurers typically offer this coverage for one to three years from the car’s purchase date. Travelers, on the other hand, covers your car for the first five years of ownership, giving you extended coverage.
Your policy must include comprehensive and collision coverage to add the benefits of Travelers' Premier New Car Replacement. Your car should be the same model year as the year you add this coverage to your policy. It can also be a future model year.
What Makes an Insurer the Best for Drivers With New Cars?
If you have a new car and get into an accident, you want an auto insurance policy that pays for a new or better vehicle. Of the three companies we researched for this category, Travelers is the most affordable and offers new car replacement coverage for five years, longer than the typical two or three.
Best Car Insurance in Kansas for Military Drivers
USAA is the top auto insurance provider for Kansas drivers with military affiliations, with a MoneyGeek score of 94 out of 100. It gets perfect ratings for customer service and affordability. On average, a full coverage policy costs $601 per year. USAA only offers its services to veterans, active-duty service members and their qualifying family members.
pros
Offers the lowest rates, at $601 per year
Has accident forgiveness
Has the best customer service out of 11 companies
cons
Limited coverages available
Claims management may be difficult
COMPANY HIGHLIGHTS
USAA is the most affordable option for military drivers. It also received a perfect score for customer satisfaction, so you’re likely to have a great experience dealing with this insurer.
The company offers an accident forgiveness add-on which prevents your premium from increasing if you're at fault in an accident. Roadside assistance is also available and covers the cost of gasoline delivery, towing, digging your automobile out of snow or mud and other services. This coverage minimizes the inconvenience of finding help while you’re on the road.
Military members get a discount on comprehensive coverage premiums when they garage their cars on a military installation. USAA also gives a hefty discount if you store your car while deployed. Those with clean driving records can also benefit from discounted rates.
How to Find the Best Car Insurance in Kansas for You
The best car insurance combines reasonable prices, customer satisfaction and financial stability. We gathered information from several insurance companies in Kansas to find the best car insurance plan for your needs. If you wish to conduct research on your own, we offer a few recommendations on how to shop around.
1
Research customer service reputations in Kansas
MoneyGeek has compiled customer service ratings from J.D. Power and the NAIC. Personal research allows you to find information specific to your needs. Consider looking into your state's J.D. Power satisfaction rankings and NAIC complaint percentages. If you need further information, you can also visit the Kansas Department of Insurance's website.
2
Compare quotes
We determined the average premiums for each business using averages for sample drivers, so your rates may differ from our calculations. Consider obtaining three or more quotations from several firms to see how much auto insurance will cost you. These estimates may be more suitable for your needs than our standard estimates.
3
Find the coverages you want in Kansas
Remember that some coverages may only be available in some states. Insurance companies may also use multiple names for some coverages. To be completely sure of the coverages included, check the insurer’s website or the policy or speak with a company representative.
4
Check financial stability ratings
A company's financial stability is a measure of its success and indicates whether it will be able to pay your claims. In Kansas, larger insurers generally have better financial stability ratings than smaller insurers.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Kansas
Every person's definition of the best car insurance is unique. The best depends on your needs and what you want in a policy. To help you get started, we answered commonly asked questions about car insurance in Kansas.
About Mark Fitzpatrick
sources
- American Family Insurance. "24/7 Emergency Roadside Assistance." Accessed February 13, 2023.
- American Family Insurance. "Car Insurance Discounts." Accessed February 13, 2023.
- American Family Insurance. "Good Student Car Insurance Discounts." Accessed February 13, 2023.
- American Family Insurance. "What Is OEM Coverage and Why Is it Important?." Accessed February 13, 2023.
- Auto-Owners Insurance Co. "Coverages." Accessed February 13, 2023.
- Nationwide. "Good Student." Accessed February 13, 2023.
- Shelter Insurance. "Coverage Options." Accessed February 13, 2023.
- Travelers. "New Car Replacement Coverage." Accessed February 13, 2023.
- USAA. "Auto Insurance Discounts." Accessed February 13, 2023.
- USAA. "Types of Car Insurance Coverage." Accessed February 13, 2023.