Auto-Owners offers Kansas' cheapest non-owner car insurance for drivers with clean records at just $17 a month, well below the state average of $27 for minimum coverage. Explore the table below for more affordable options.
Cheapest Non-Owner Car Insurance in Kansas
Updated: May 24, 2026
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Best Cheap Non-Owner Car Insurance in Kansas: Key Takeaways
Auto-Owners offers the cheapest non-owner SR-22 car insurance for drivers with incidents in Kansas, averaging $20 monthly.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet Kansas' minimum coverage requirements.
Consider non-owner insurance if you often borrow or rent cars or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Kansas
| Auto-Owners | $201 | $17 |
| GEICO | $238 | $20 |
| State Farm | $257 | $21 |
| Travelers | $370 | $31 |
| Progressive | $370 | $31 |
| Farmers | $430 | $36 |
| Nationwide | $537 | $45 |
Cheapest Non-Owner SR-22 Car Insurance in Kansas
Auto-Owners has the most affordable SR-22 non-owner policy in Kansas at just $20 monthly, lower than the state average of $39 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $239 | $20 |
| State Farm | $296 | $25 |
| GEICO | $405 | $34 |
| Travelers | $473 | $39 |
| Nationwide | $603 | $50 |
| Progressive | $612 | $51 |
| Farmers | $677 | $56 |
How Much Is Non-Owner Car Insurance in Kansas?
In Kansas, the non-owner car insurance cost averages $27 per month, less than the national average of $43. For SR-22 insurance, drivers pay about $39 monthly, compared to the $48 national average for those with a recent accident and $35 for those with a clean record. Your premium can vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
$43
Monthly Premium
vs
Kansas Average Cost
$27
Monthly Premium
Non-owner car insurance in Kansas is cheap$16 SAVED
Drivers who own a car can compare rates across providers. See our guide to the cheapest car insurance in Kansas for a full breakdown by coverage level.
Kansas Non-Owner Car Insurance: Buyer's Guide
We’ve created a guide for Kansas drivers to help them decide if non-owner insurance suits them. It explains this insurance, how it differs from regular policies and the typical costs.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance is a more affordable choice than standard policies. It covers costs if you hurt someone or damage their property while driving. Below, find out how non-owner policies compare to standard plans.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Kansas Allow Non-Owner Car Insurance?
Kansas residents who don't own a car but drive occasionally can secure non-owner insurance. If you need to file an SR-22, you can find affordable plans that meet minimum coverage requirements. Non-owner car insurance can be secured by contacting carriers directly or working with an independent agent. See our resource on how to get car insurance without a car for application guidance.
KANSAS MINIMUM INSURANCE REQUIREMENTS
Kansas' minimum coverage requirements apply to non-owner car insurance, too. The minimum limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $4,500 personal injury protection (PIP) per person
How much coverage you need depends on your situation. Minimum limits leave you exposed if a serious accident exceeds them.
Should You Get Non-Owner Car Insurance in Kansas?
Non-owner insurance covers drivers who don't own a car but regularly rent or borrow one. It meets Kansas's minimum coverage requirements at a lower cost than a standard policy. How often you drive and what vehicles you use determines whether it's the right fit.
AVOID ONE-DAY CAR INSURANCE
"One-day insurance" offers in Kansas are a fraud signal. For short-term needs like a move or road trip, buy coverage through the rental company instead.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
Non-owner car insurance provides coverage when driving someone else's vehicle, protecting against out-of-pocket expenses in case of an at-fault accident.
Occasional renters
Non-owner insurance is a cost-effective alternative to rental agency coverage, offering financial protection from claims without daily fees.
Drivers between cars
Drivers without a vehicle can maintain continuous coverage with non-owner insurance, preventing premium increases from coverage lapses when they buy a car later.
License reinstatement-seekers
Drivers looking to reinstate their license after suspension may need proof of insurance. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, also called a Certificate of Financial Responsibility, is a form your insurer files with the Kansas DMV confirming you meet minimum coverage requirements. Drivers with a DUI or a lapse in coverage typically need one to keep their license valid.
Cheap Non-Owner Car Insurance in Kansas: Bottom Line
Auto-Owners is the cheapest non-owner car insurance in Kansas, including for drivers who need an SR-22. GEICO and State Farm follow. Compare quotes from all three before buying.
Non-Owner Car Insurance in Kansas: FAQ
Find answers to frequently asked questions about non-owner car insurance in Kansas below.
Which company offers the cheapest non-owner car insurance in Kansas?
Auto-Owners offers the cheapest non-owner car insurance in Kansas at $17 per month. It also provides the cheapest SR-22 rate at $20.
How much does non-owners car insurance cost in Kansas?
Non-owner car insurance in Kansas averages $321 a year, which is about $27 a month. Drivers who need an SR-22 pay $472 a year, or $39 a month.
Kansas Non-Owner Car Insurance Ratings: Our Review Methodology
Data are from the Kansas Department of Insurance and Quadrant Information Services. We examined 240 quotes from five providers to identify the most affordable non-owner options in the state.
Coverage Levels
All rates use Kansas minimum coverage:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $4,500 personal injury protection (PIP) per person
Drivers and Cars in Kansas
Our baseline is a 40-year-old male with a clean record, good credit and 12,000 miles driven a year. The reference vehicle is a 2012 Toyota Camry LE.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.