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Non-OwnerCar InsuranceKansasCheapest and Best Non-Owner Car Insurance in Kansas (2023)
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For people who need insurance but don’t own cars, non-owner car insurance in Kansas offers liability coverage. This insurance could be beneficial if they frequently borrow someone else's car or want continuing car insurance protection. Those who have committed traffic violations, such as a DUI, may find that their driver's licenses are reinstated more swiftly if they carry non-owner auto insurance.
In Kansas, Auto-Owners offers the best non-owner car insurance at the lowest prices. This company also provides the state's cheapest SR-22 car insurance if you have a traffic violation on your record.
Non-OwnerCar InsuranceKansasTable of Contents
Cheapest With a Clean Record - Auto-Owners Insurance
Cheapest With an Offense - Auto-Owners Insurance
Best Overall - Auto-Owners Insurance
Cheapest Non-Owner Car Insurance in Kansas
One company filled in MoneyGeek’s top spots for the cheapest non-owner car insurance in Kansas for drivers with clean records and those with driving violations:
- Drivers with clean records: Auto-Owners ($17 per month)
- Drivers with violations: Auto-Owners ($20 per month)
You should expect to pay more for non-owner car insurance if you have driving violations. The least expensive insurance costs an extra $3 per month for drivers with offenses.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Kansas
The most affordable non-owner car insurance for Kansas drivers with clean records is provided by the following insurers:
- Auto-Owners: $17 per month
- GEICO: $20 per month
USAA is the least expensive choice in the state at $14 per month. However, it is only available to those who are currently serving in the military, veterans and their relatives. Compared to the national average of $43, Kansas' non-owner auto insurance monthly rate is $27.
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KANSAS MINIMUM INSURANCE REQUIREMENTS
Non-owner car insurance must meet the equivalent minimum coverage requirements that apply to traditional car insurance in Kansas, which are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist liability per person
- $50,000 uninsured/underinsured motorist liability per accident
These function as the bare minimum standards required in Kansas, yet they may be inadequate to cover the costs of an accident. Determine the level of coverage you need before you get insurance.
Cheapest Non-Owner SR-22 Car Insurance in Kansas
For Kansas residents with prior driving violations, the following insurance companies provide the cheapest non-owner auto insurance:
- Auto-Owners: $20 per month
- State Farm: $25 per month
Additionally, USAA provides military personnel and eligible family members in Kansas with cheap SR-22 insurance for approximately $22 per month.
If you commit a driving infraction, such as a DUI, you may need to file an SR-22, which will increase the overall cost of your insurance. In Kansas, the average cost of non-owner SR-22 insurance is $27, which is $16 less than the national average.
WHAT IS SR-22 INSURANCE?
Your insurance company submits an SR-22 form as evidence that you have the minimum level of coverage required in Kansas. For those who have committed a particular traffic violation, the SR-22 document is sometimes required as proof of their financial obligation. Remember that although this document verifies that you are covered by the necessary insurance, it isn’t an insurance policy.
What Is Non-Owner Car Insurance?
Non-owner car insurance provides liability protection to those who use or rent cars but do not own them. Although it excludes comprehensive and collision insurance, it does provide liability protection against potential claims for bodily harm and property damage. It does not, however, safeguard you from injury or damage to the vehicle you’re driving. The table below outlines the differences between non-owner car insurance and full coverage insurance.
Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
Liability insurance |  | |
Medical payments | | |
Personal injury protection | | |
Uninsured/underinsured motorist | | |
Rental car liability | | |
Collision | | |
Comprehensive | |
Average Cost of Non-Owner Car Insurance in Kansas
The average monthly rate of non-owner car insurance in Kansas is $27, which is significantly lower than the $43 average cost nationwide. Companies generally take location into account when determining car insurance premiums. However, there are a number of additional factors, such as your driving record, make and model of car, age and policy options, that could have a greater impact on insurance premiums.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43Kansas Average Cost
Monthly Premium
$27On average, non-owner car insurance in Kansas is:$16 saved
This is 37% less expensive.
Best Non-Owner Car Insurance in Kansas
The best non-owner auto insurance companies in Kansas, according to MoneyGeek’s analysis, are as follows:
- Auto-Owners: MoneyGeek score 76 out of 100
- GEICO: MoneyGeek score 71 out of 100
- State Farm: MoneyGeek score 69 out of 100
For this assessment, we analyzed pricing, AM Best ratings for financial stability and J.D. Power customer service statistics. To help you find the insurer that most effectively matches your needs, we have examined the top three insurance providers.
Auto-Owners Insurance
Auto-Owners has great ratings for claims management and affordability, and it offers several valuable coverage options. It’s the best Kansas non-owner car insurance provider in MoneyGeek’s analysis.
Auto-Owners offers affordable full and minimum coverage for drivers with clean records or violations. It offers a number of discounts that might reduce the cost of your auto insurance, like those for safe driving, anti-theft systems, full payments, paperless billing, bundling, multiple cars, good students and airbags.
Read the full Auto-Owners car insurance review.
GEICO
Along with having a stellar rating for customer service, GEICO also has affordable policies. However, its claims management reputation is mediocre. MoneyGeek named GEICO as the second-best non-owner auto insurance provider in Kansas.
Mechanical breakdown insurance is an add-on coverage provided by GEICO that offers superior protection at a lower cost than the normal dealer’s extended warranty. Additionally, GEICO provides savings for drivers with a history of safe driving as well as for those who install airbags and anti-theft systems in their vehicles.
Read the full GEICO car insurance review.
State Farm
Policyholders generally express satisfaction with State Farm. This insurance provider has positioned itself as the third-best non-owner auto insurance provider in Kansas by providing reasonable insurance prices. That said, it has the worst claims management rating in our study.
State Farm offers discounts for bundling, anti-theft systems, defensive driving, airbags, multiple vehicles and safe driving. Additionally, rental car reimbursement and roadside assistance are two of State Farm's most popular add-on coverages.
Read the full State Farm car insurance review.
Should You Get Non-Owner Car Insurance in Kansas?
Non-owner auto insurance is helpful for folks who don’t own cars yet occasionally require coverage. For example, it’s a good fit for people who frequently rent cars, borrow them from family and friends or seek to have their licenses reissued. In the list below, we outline how non-owner auto insurance may offer the greatest value for different driver types.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
People who frequently borrow vehicles from relatives, coworkers or friends may find a non-owner auto insurance policy handy. This policy's liability protection covers third-party damages and injuries for people who don’t own cars.
Occasional renters
Despite the fact that rental car businesses offer insurance options, having a non-owner policy may provide additional security and lead to long-term cost savings. It shields you from responsibility if you get into an accident while driving a rental car.
Drivers between vehicles
Non-owner car insurance can be useful for people who are transferring cars, whether they sold their old vehicle or are anticipating the arrival of their new ride. It ensures continuous insurance coverage during this time by maintaining an accurate record and preventing any potential coverage gaps.
Seekers of license reinstatement
Non-owner auto insurance could be required by those attempting to get their licenses renewed following a suspension or revocation. Non-owner car insurance satisfies Kansas’ requirement for proof of insurance, which also enables people to regain their driving privileges while demonstrating their financial responsibility.
ONE-DAY CAR INSURANCE
Beware of companies in Kansas who advertise "one-day insurance," as this type of coverage is not always valid and may even be fake. If you simply need short-term coverage for a move or trip, buying coverage directly from the rental car company is more reliable. You are protected from potential fraud attempts as a result, and you will be confident of legitimate coverage.
Frequently Asked Questions About Non-Owner Car Insurance in Kansas
If you're considering purchasing non-owner car insurance in Kansas, we answered some frequently asked questions to help you get started.
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