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The Best Cheap Car Insurance Companies for the Average Kansas Driver in 2020

Most drivers searching for car insurance can get free quotes from some or all of the five top-rated auto insurance companies in Kansas. Below is the estimated monthly cost the average driver in Kansas can expect to pay from some of the most familiar car insurance companies in the state. Auto insurance quotes are based on individual and household factors, so the quotes you receive may not be the same as the estimates shown in the table below.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Kansas for the cheapest car insurance on average.
$907
per year
2. State Farm
In 2020 State Farm ranked #2 in Kansas for the cheapest car insurance on average.
$1,205
per year
3. Farm Bureau Mutual (IA Group)
In 2020 Farm Bureau Mutual (IA Group) ranked #3 in Kansas for the cheapest car insurance on average.
$1,800
per year
4. Progressive
In 2020 Progressive ranked #4 in Kansas for the cheapest car insurance on average.
$2,100
per year
5. Farmers Ins Co 2.0
In 2020 Farmers Ins Co 2.0 ranked #5 in Kansas for the cheapest car insurance on average.
$2,854
per year

There are many factors that help determine the cost of auto insurance in Kansas. Some of those factors include age, marital status, gender, types of vehicles in the household, other drivers who live in the household, previous driving and claims histories, and more. To get the best and cheapest car insurance that you can qualify for in Kansas, check out our detailed guide before you shop around for free quotes.

The Best Car Insurance Companies in Kansas for 2020

Auto insurance companies in Kansas and other states rely on reputation scores to determine which is the best for each state. JD Power and AM Best are two reputable outlets that give the car insurance companies scores based on their affordability, financial strength, customer satisfaction and how they handle the claims process. MoneyGeek has come up with their own unique scoring system, shown in the table below, that provides a combination of these scores so you can find the right top-rated auto insurance company for your needs in Kansas.

Expand all Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

Auto-Owners Insurance CoScore: 97.5
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

3

GEICOScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

AllstateScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

TravelersScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

ProgressiveScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

7

AAAScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A

Financial Stability

8

State FarmScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

9

American FamilyScore: 77.5
+

3/5

User Satisfaction

2/5

Claims Ratings

2/5

Affordability

A+

Financial Stability

10

SafecoScore: 77.5
+

2/5

User Satisfaction

4/5

Claims Ratings

2/5

Affordability

A

Financial Stability


Market Share by Company

The most recent data from the National Association of Insurance Commissioners shows the largest insurers in Kansas are State Farm, Progressive, and American Family Insurance. The table below shows how much of the state the top-rated auto insurance companies insure.

Company
Market Share
1. State Farm
19.21%
2. American Family
12.37%
3. Progressive
11.55%
4. Farm Bureau Mutual (IA Group)
7.45%
5. Farmers
5.96%
6. Allstate
5.79%
7. GEICO
5.75%
8. USAA
5.60%
9. Nationwide
4.22%
10. Travelers
3.51%

Cheapest Car Insurance for Drivers With a DUI in Kansas

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 the age group with the highest rate of deaths due to drunk driving accidents is young drivers 20 and under. The following table outlines what drivers in Kansas can expect to pay for auto insurance following receiving a DUI.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Kansas for the cheapest car insurance for dui.
$856
per year
2. State Farm
In 2020 State Farm ranked #2 in Kansas for the cheapest car insurance for dui.
$1,182
per year
3. Progressive
In 2020 Progressive ranked #3 in Kansas for the cheapest car insurance for dui.
$1,821
per year
4. Farm Bureau Mutual (IA Group)
In 2020 Farm Bureau Mutual (IA Group) ranked #4 in Kansas for the cheapest car insurance for dui.
$3,423
per year
5. Farmers Ins Co 2.0
In 2020 Farmers Ins Co 2.0 ranked #5 in Kansas for the cheapest car insurance for dui.
$3,919
per year

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. Learn some tips on avoiding a DUI charge and discover the true cost of drinking and driving, which includes the impact a DUI can have on your auto insurance rates.

Cheapest Car Insurance For Drivers With a Speeding or Distracted Driving Ticket in Kansas

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 below shows the average cost of car insurance after one ticket from the five top-rated auto insurance companies in Kansas.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Kansas for the cheapest car insurance for distracted drivers.
$1,226
per year
2. State Farm
In 2020 State Farm ranked #2 in Kansas for the cheapest car insurance for distracted drivers.
$1,279
per year
3. Progressive
In 2020 Progressive ranked #3 in Kansas for the cheapest car insurance for distracted drivers.
$2,123
per year
4. Farm Bureau Mutual (IA Group)
In 2020 Farm Bureau Mutual (IA Group) ranked #4 in Kansas for the cheapest car insurance for distracted drivers.
$2,277
per year
5. Farmers Ins Co 2.0
In 2020 Farmers Ins Co 2.0 ranked #5 in Kansas for the cheapest car insurance for distracted drivers.
$4,150
per year

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 can increase your car insurance premium and include fines or possible jail time. For ways to prevent distracted driving and keeping cheap car insurance while driving in Kansas, check out our guide on the real costs of distracted driving.

Cheapest Car Insurance Companies in Kansas 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 table showcases what Kansas drivers with bad credit may pay for their auto insurance.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Kansas for the cheapest car insurance for poor credit history drivers.
$853
per year
2. State Farm
In 2020 State Farm ranked #2 in Kansas for the cheapest car insurance for poor credit history drivers.
$1,183
per year
3. Farm Bureau Mutual (IA Group)
In 2020 Farm Bureau Mutual (IA Group) ranked #3 in Kansas for the cheapest car insurance for poor credit history drivers.
$1,549
per year
4. Progressive
In 2020 Progressive ranked #4 in Kansas for the cheapest car insurance for poor credit history drivers.
$2,057
per year
5. Farmers Ins Co 2.0
In 2020 Farmers Ins Co 2.0 ranked #5 in Kansas for the cheapest car insurance for poor credit history drivers.
$2,879
per year

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.

Cheapest Car Insurance Companies in Kansas for Seniors

Kansas is one of the few states that does not have age-based licensing laws for seniors. However, if there is a cause for concern, there may be a need for re-testing to ensure everyone’s safety on the road. 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 following table.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Kansas for the cheapest car insurance for seniors.
$891
per year
2. State Farm
In 2020 State Farm ranked #2 in Kansas for the cheapest car insurance for seniors.
$1,206
per year
3. Farm Bureau Mutual (IA Group)
In 2020 Farm Bureau Mutual (IA Group) ranked #3 in Kansas for the cheapest car insurance for seniors.
$1,560
per year
4. Progressive
In 2020 Progressive ranked #4 in Kansas for the cheapest car insurance for seniors.
$2,504
per year
5. Farmers Ins Co 2.0
In 2020 Farmers Ins Co 2.0 ranked #5 in Kansas for the cheapest car insurance for seniors.
$3,279
per year

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 with our resource guide.

Cheapest Car Insurance for Students

Kansas Car Insurance: How Much a Teen Driver Will Cost You

Median annual price change for families with a teen driver on their policy:

$1,860 INCREASE

This is a difference of 117%.

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 following table outlines estimates for young drivers in Kansas.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Kansas for the cheapest car insurance for students.
$2,125
per year
2. State Farm
In 2020 State Farm ranked #2 in Kansas for the cheapest car insurance for students.
$3,060
per year
3. Farm Bureau Mutual (IA Group)
In 2020 Farm Bureau Mutual (IA Group) ranked #3 in Kansas for the cheapest car insurance for students.
$3,699
per year
4. Progressive
In 2020 Progressive ranked #4 in Kansas for the cheapest car insurance for students.
$4,472
per year
5. Farmers Ins Co 2.0
In 2020 Farmers Ins Co 2.0 ranked #5 in Kansas for the cheapest car insurance for students.
$6,392
per year


Premium Comparison by Student Type

PREMIUM COMPARISON FOR TWO ADULTS + A 16-YEAR-OLD

car
Average premium for two 2014

Mustang GTs

$4,411
car
Average premium for two 2008

Town and Country Limiteds

$3,316
Annual benefits of minivans:$1,095 saved

This is 25% less expensive.

Cheaper premium for college vs. high school drivers

Median premium change with a college student vs. high school driver:

$745 DECREASE

This is a savings of 20%.

Potential discounts for teens in Kansas

Impact on annual premium with good student and defensive driving discounts:

coins
$283 SAVED

Kansas students: a long-distance discount

You may pay a smaller annual family premium if your child lives 150 miles or more away from home.

male
Average premium for a 19-year-old male
car

$3,390 at home

graduation

$2,856 at school

$534 IN SAVINGS

female
Average premium for a 19-year-old female
car

$2,890 at home

graduation

$2,533 at school

$357 IN SAVINGS

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.

Age savings for Kansas service members

male
25 years$1,421
50 years$1,040
female
25 years$1,281
50 years$1,051

$381 Saved
$230 Saved

Median auto insurance for service members: $1,105

Who Needs Car Insurance in Kansas?

All drivers must provide proof 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 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, which include:
Liability insurance:

  • $25,000 for injury or death per person
  • $50,000 for total injuries or deaths, if multiple people get hurt
  • $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 injury
  • $50,000 for all injuries

High-Risk Auto Insurance Program in Kansas

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 (that is, unless you have 26 or more cars insured under your name).

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.

Car Insurance Requirements in Kansas: How Much Coverage Do You Need?

What percentage of drivers in Kansas lack vehicle insurance?

7.2%

National average: 13%

Source:

Insurance Information Institute.

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 natural damage, hitting an animal or glass damage.

Collision and comprehensive coverage may also be necessary to secure a car loan or lease a Vehicle. For more information on the types of insurance you may need, check out our guide to car insurance.


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Sources