Insurers calculate auto insurance rates based on various factors, including your age, driving record and location. To help you find the best car insurance in Kansas, MoneyGeek ranked the leading firms in the state based on customer satisfaction, pricing and more. You can use MoneyGeek’s ratings and rankings to find the ideal coverage options and insurance provider for your individual requirements. MoneyGeek's rankings highlight a potential savings of $559 when comparing car insurance premiums from affordable companies in Kansas.
The Best Cheap Car Insurance in Kansas for 2021
The Cheapest and Best Car Insurance in Kansas
For Kansas drivers, the cheapest car insurance is liability-only coverage. This refers to an auto insurance policy that only meets state requirements.
The cheapest auto insurance companies in Kansas for minimum liability-only coverage are:
- USAA: $270 per year (only available to current and former military members)
- American Family: $376 per year
On the other hand, the most expensive option for minimum coverage car insurance in Kansas is Allstate with an average annual rate of $591.
Average Cost for Minimun Liability Coverage
The prices stated above are based on average rates and should not be taken as a guide for comparing auto insurance prices in Kansas.
These prices are only estimates based on rates for an average Kansas driver and should not be used to compare insurance prices.
While a minimum coverage policy is the cheapest available option for Kansas drivers, it only covers bodily injury, property damage liability, personal injury protection and uninsured/underinsured motorist coverage. If you want to have a policy covering your car or are thinking of increasing the liability coverage amount, you should consider getting a full coverage policy.
Kansas drivers who have full coverage policies with higher liability limits and comprehensive and collision insurance pay higher premiums. However, this ensures protection against most road and off-road incidents in the state. It also includes protection for the cost of damages to your car. When looking for the best car insurance in Kansas, you should compare quotes from multiple insurers.
For drivers looking for comprehensive and collision insurance, the cheapest options in Kansas are:
- USAA: $623 per year (only offered to current and former military members)
- American Family: $758 per year
The most expensive car insurance company in Kansas for full coverage is MetLife, costing $1,182 per year.
Average Comprehensive and Collision Rates in Kansas
Since individual needs and circumstances vary, your auto insurance premium may be different than the examples provided. These rates are based on a comprehensive and collision insurance policy that covers up to $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage per accident.
The Best Car Insurance Companies in Kansas for 2021
MoneyGeek evaluated car insurance companies in Kansas and found that the best providers for most drivers are:
- Best Overall: American Family
- Runner-up: GEICO
USAA received the highest score in Kansas by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek uses a unique ranking system that gives equal weight to industry-standard reports such as J.D. Power’s U.S. Auto Insurance Study and AM Best’s financial strength rating, along with pricing data. You can use MoneyGeek’s final score out of 100 to help you select the best car insurance carrier in Kansas for your specific needs.
Similar to most other states, USAA ranked high in Kansas in customer service, affordability and financial stability. Keep in mind that USAA is only available for current or former military members.
USAA is one of the most affordable insurance companies in most states, including Kansas. It’s also recognized as one of the best providers in many states. The company offers rewards to qualified policyholders. For instance, if you are an active military member and are garaging your car on base, you can qualify for a significant discount.Read MoneyGeek's USAA auto Insurance Review
American Family comes in second place after ranking well in many categories. It is also the best option for Kansas drivers who do not qualify for a USAA policy.
For those who do not qualify for USAA, American Family is a great option. Aside from offering affordable car insurance policies for Kansas drivers, American Family also offers vehicle repair insurance through its ForeverCar program. This is a good addition if your car has high maintenance costs.Read MoneyGeek's American Family auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in Kansas
In terms of market share, the largest car insurance providers in Kansas are State Farm, American Family and Progressive. To calculate market share in the state, the number of premiums the insurance company has written is divided by the total number of premiums written in Kansas. Being a bigger company does not guarantee the best insurance policy, but it providers security for drivers who want assurance that the company can reimburse claims.
- CompanyMarket Share
How to Compare Cheap Kansas Car Insurance Quotes Online
Kansas drivers can get reasonably accurate car insurance quotes on the websites of most carriers. To find the best policy, you should compare quotes from different providers.
Make sure that you use the same requirements when getting quotes. For instance, if you get a quote for comprehensive and collision insurance with a $1,000 deductible from one company, you should ask for the same coverage level from another insurer.
To compare quotes, you can enter your ZIP code below or use MoneyGeek’s price data to see which company’s websites you should visit.
The cheapest companies based on average rates for an average driver in Kansas are USAA, American Family and Nationwide. You can start your search by getting quotes from these insurance providers.
What Is the Average Cost of Car Insurance in Kansas?
Multiple factors can impact your auto insurance premiums. MoneyGeek determined the average prices for 100/300/100 comprehensive and collision coverage for a 40-year-old man driving a Toyota Camry with a clean record. Depending on your age, coverage level, driving history and location, your vehicle insurance rates may be higher or lower than these Kansas averages.
- Average Driver: $931
- DUI: $1,418
- Speeding Ticket: $1,139
- Poor Credit Score: $1,649
- Seniors: $919
- Students: $2,294
Having a DUI on your record in Kansas will increase your car insurance rates. A DUI can increase the average rate of comprehensive and collision coverage in Kansas to $1,418 per year. That is higher than the $931 average rate for a driver with a clean record.
Based on average rates, the cheapest options for comprehensive and collision insurance if you have a DUI are:
- American Family: $758 per year
- State Farm: $921 per year
Although USAA is among the top insurers in terms of affordability for Kansas drivers with a clean record, State Farm has lower rates for individuals with a DUI in their driving history.
Average Car Insurance Rates With a DUI
A conviction for a DUI in Kansas can include a combination of jail time, fines, license suspension and ignition interlock on your vehicle, even for the first offense. According to the Kansas Department of Transportation, 48 people are arrested and six people are injured or killed in alcohol-related accidents on any given day. Data collected by the Centers for Disease Control and Prevention shows that 1,406 people in Kansas died in alcohol-related crashes from 2009-2018 and 1.6% of people in Kansas say they have driven after drinking too much within the past 30 days. The above table outlines what drivers in Kansas can expect to pay for auto insurance following receiving a DUI.
A DUI conviction can affect your chances of getting cheap car insurance in Kansas for as long as it stays on your driving record, which is at least five years. It's important to know how to avoid getting a DUI and discover the true cost of drinking and driving, which includes the impact a DUI can have on your auto insurance rates.
Even minor driving violations, such as speeding tickets, can increase car insurance rates in Kansas. The average cost of car insurance in Kansas for a driver with a speeding ticket is $1,139 per year, which is higher than the annual average rate of $931 for those with a clean record.
The most affordable options for full coverage insurance if you are a Kansas driver with a speeding ticket are:
- USAA: $754 per year (only available to current and former members of the military)
- American Family: $758 per year
USAA and American Family offer the cheapest options for drivers with clean records and those who have a speeding ticket in Kansas.
Average Car Insurance Rates With a Ticket
Distracted driving is a serious matter. Whether you get a ticket for speeding or distracted driving, finding the cheapest car insurance rates in Kansas will be challenging. The table above shows the average cost of car insurance after one ticket from the five top-rated auto insurance companies in Kansas.
Distracted driving is not just using your cell phone when driving. It can also include eating, drinking, looking at the radio and talking to passengers in the vehicle. Any conviction for distracted driving, including using a cell phone while driving, can increase your car insurance premium and include fines or possible jail time. It's important to find ways to prevent distracted driving in Kansas in order to keep insurance costs low.
Having bad credit scores will increase your auto insurance rate in Kansas. The average annual cost for a full coverage policy in the state if you have poor credit is $1,649. A similar policy for a driver with good credit is only $931 per year.
The cheapest car insurance companies in Kansas for a full coverage policy if you are a driver with a bad credit score are:
- Nationwide: $1,110 per year
- USAA: $1,141 per year (only offered to military members)
American Family is among the most affordable options for the average driver who has a full coverage policy. However, Nationwide offers lower rates for drivers with poor credit scores.
Average Car Insurance Rates for Drivers With Bad Credit
Your credit score can have an impact on your auto insurance rates in most states, including Kansas. Credit scores look at past payment history, outstanding debt and how long you’ve had credit. Experian’s most recent data shows that the average Kansas resident has a higher credit score at 711 compared to the national average of 703, which means most will qualify for cheap and affordable car insurance rates that fit their budget. The following a showcases what Kansas drivers with bad credit may pay for their auto insurance.
Kansas drivers with bad credit can expect to pay higher rates for auto insurance than those with good or excellent credit. Luckily, there are practices you can put in place to improve your credit score and be eligible for the best car insurance rates in Kansas.
Car insurance companies in Kansas tend to charge senior drivers slightly less than young adults and middle-aged drivers. The average cost of a full coverage policy for a senior driver in the state is $919 per year, which is $12 less than the annual average rate for the average driver.
The cheapest auto insurers in Kansas for a full coverage policy if you are a senior driver are:
- USAA: $638 per year
- Nationwide: $697 per year
Although American Family offers one of the cheapest average rates for the average 40-year-old driver with full coverage insurance, Nationwide offers lower rates for senior drivers in Kansas.
Average Car Insurance Rates for Seniors
Kansas is one of the few states that does not have age-based licensing laws for seniors. However, 15.1% of drivers involved in fatal accidents in Kansas in 2017 were seniors. As you age, the cost of car insurance may increase after the age of 65. Seniors in Kansas can expect to pay the estimates shown in the above table.
Reflexes and cognitive ability to make quick judgments behind the wheel can slow significantly as a person ages. Insurance companies recognize that slowdown and so your age can affect your chance of getting the most affordable car insurance. To get the best rates, learn about potential discounts and find the cheapest car insurance in Kansas for seniors.
Car insurance companies consider young students in Kansas to be inexperienced and riskier to insure, so they may charge them more than adult drivers. The average cost of auto insurance for students in Kansas is $2,294 per year, which is more than double the annual average rate of $931 for a 40-year-old man.
If you are a student, your cheapest options for a full coverage policy in Kansas are:
- Progressive: $2,070 per year
- Allstate: $2,075 per year
While USAA and American Family have the cheapest average rates for a 40-year-old driver with full coverage, Progressive and Allstate have the most affordable average premiums for Kansas students.
Average Car Insurance Rates for Students
Teen drivers in Kansas must carry the same minimum auto insurance required of anyone else. Full-time college students from out of state do not have to obtain a Kansas license or registration. Kansas residents enrolled in an out-of-state school should inform their insurance company if the vehicle will be used in another state for more than 30 days per year.
There are ways to keep rates affordable, including higher deductibles, specific discounts for good grades and maintaining a clean driving record and keeping them on the family car insurance plan if they don’t have a car titled in their own name. Driving safely is the most important way young drivers can keep their car insurance cheap. The above table outlines estimates for young drivers in Kansas.
Insurance Rate Information for Military Drivers and Veterans
If you're a veteran or active-duty military in Kansas, save money on your auto insurance by asking carriers for their military discount. Discounts are not always automatic — a good driving history is also considered when insurance companies set a premium rate.
Kansas has over 21,000 active-duty military personnel living in the state. Service members who live in Kansas but are deployed elsewhere can renew their vehicle registration online. Kansas will waive the property tax on a vehicle registration if the active duty member's name is on the title along with proof of insurance.
Average Rates for Kansas service members
Car Insurance in Kansas: What You Need to Know
All drivers must provide proof that they meet the minimum auto insurance standards in Kansas before the DMV will register a car and issue license plates. It's against Kansas law for a motor vehicle owner to lend an uninsured car to anyone else.
Proof of Insurance in Kansas
Kansas drivers must provide proof of insurance when registering their vehicles. They’ll also have to show documentation after an accident or if an officer asks for it.
Minimum Liability Insurance Requirements in Kansas
Kansas law is unusual in that it requires three different types of insurance.
- $25,000 for injury or death per person
- $50,000 for total injuries or deaths per accident
- $25,000 for property damage
Personal injury protection (PIP):
- $4,500 per person for medical costs
- $900 per month for a year for disability and loss of income
- $25 per day for in-home services
- $2,000 for funeral, cremation or burial costs
- $4,500 for rehabilitation
Uninsured and underinsured motorist coverage:
- $25,000 per person for injuries
- $50,000 for injuries per accident
Alternatives to Insurance in Kansas
Although some states allow drivers to purchase a sizable bond in lieu of insurance, there are no alternatives to vehicle insurance in Kansas (unless you own 26 or more cars and self-insure them).
However, the Kansas Automobile Insurance Plan can help high-risk drivers obtain car insurance if at least three insurance companies refuse to issue a policy. Kansas-licensed car insurance agents can provide information on how to apply.
How Much Coverage Do You Need in Kansas?
The minimum levels of insurance required by the law may not be enough to cover you in an accident. The Insurance Information Institute says experts recommend you carry liability insurance with a minimum of $100,000 per injury or death and at least $300,000 per accident. The Kansas Insurance Department suggests you consider additional types of insurance if you can afford it.
Collision coverage pays for repairs or replacement if your car is damaged in a crash. Comprehensive insurance covers damages caused by something other than a crash, such as a natural disaster. Collision and comprehensive coverage may also be necessary to secure a car loan or lease a vehicle.
Average Insurance Rate by City in Kansas
FAQs About Car Insurance in Kansas
Most Kansas drivers looking for the best car insurance consider the price of the policy and which companies to consider.
Expert Advice on Finding Cheap Car Insurance in Kansas
To help you find credible and accurate details on car insurance in Kansas, MoneyGeek collected expert advice from proven professionals. The views and opinions shared are those of the individual contributor.
- What are the key factors drivers in Kansas should look for when searching for the best auto insurance coverage?
- What steps can drivers in Kansas take to find affordable car insurance?
Assistant Professor, Ph.D., CFP at Kansas State University; Partner & CCO (Priority Financial Partners)
Associate Professor of Business at Kansas Wesleyan University
About the Author
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