Non-Owner Car Insurance in Kansas: The Cheapest Options and What You Need to Know

In Kansas, non-owner car insurance costs on average $365 per year. However, rates can vary significantly between insurers. Kansas' cheapest insurer, Travelers, charges an average of $255 per year. This guide is for drivers who want to learn more about how non-owner car insurance in Kansas works.

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Last Updated: 8/16/2022

If you don't own a car but frequently drive someone else’s car, or you need proof of insurance to reinstate your license, non-owner auto insurance is an excellent option. The insurance offers liability coverage if you get into an accident that results in injuries or property damage.

In Kansas, people with a clean driving record pay an average of $365 annually for non-owner car insurance premiums, while those with a severe driving violation, such as a DUI, pay an average annual premium of $531.

MoneyGeek examined Kansas's non-owner car insurance policies and companies to help you determine if you need one or not.

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Cheapest Non-Owner Car Insurance Companies in Kansas

Generally, non-owner car insurance is less expensive than standard policies. However, to make sure you're saving the most money, it is best to shop around and get quotes from several companies.

According to MoneyGeek's research, the most affordable non-owner car insurance policies in Kansas are offered by the following two companies at an average price of:

  • Travelers: $255 per year
  • Progressive: $309 per year

With average annual premiums as low as $151, USAA is the cheapest in Kansas, but its insurance plans are only available to active and retired military members and their families.

On the other hand, Nationwide has the state's most expensive average rate at $631 per year.

This study used the profile of a 40-year-old Kansas driver who purchased a non-owner car insurance policy with limits as detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Kansas

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $151
    $13
  • Travelers
    $255
    $21
  • Progressive
    $309
    $26
  • State Farm
    $316
    $26
  • Farmers
    $392
    $33
  • MetLife
    $499
    $42
  • Nationwide
    $631
    $53
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How Much Is Non-Owner Car Insurance in Kansas?

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In Kansas, annual non-owner car insurance costs an average of $365, while standard car insurance costs an average of $471 a year.

If you have a DUI, your annual non-owner auto insurance rate will increase to an average of $531. On average, a standard auto insurance policy for a driver with a DUI costs $739 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Kansas

An SR-22 certificate verifies that you possess the state's minimum liability car insurance requirements. After a serious traffic violation, such as a DUI, you may need to submit an SR-22 in Kansas document to demonstrate financial responsibility and reinstate your driving license.

Filing an SR-22 in Kansas will designate you as a high-risk driver, resulting in higher insurance rates.

MoneyGeek found that the average rate for cheapest non-owner car insurance in Kansas for a driver with a DUI include:

  • State Farm: $316 per year
  • Progressive: $346 per year

An average yearly rate of $988 makes MetLife the most expensive option in Kansas for non-owner SR-22 car insurance with a DUI.

Cheapest SR-22 Non-Owner Car Insurance Companies in Kansas

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $316
    $26
  • Progressive
    $346
    $29
  • USAA
    $366
    $31
  • Travelers
    $524
    $44
  • Farmers
    $548
    $46
  • Nationwide
    $631
    $53
  • MetLife
    $988
    $82
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What Is Non-Owner Car Insurance in Kansas?

For those who don’t own a car but often drive a rented or borrowed vehicle, the best option is non-owner liability car insurance in Kansas. This is also called non-owner liability insurance. It must meet the state's minimum liability insurance and other coverages.

However, you cannot add comprehensive and collision coverage, also known as full coverage.

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Non-owner car insurance coverage in Kansas must meet the following coverage limits:

  • $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 coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • Personal injury protection, including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs and $4,500 for rehabilitation
  • Survivors' benefits, including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services

Who Should Get Non-Owner Car Insurance in Kansas?

If you do not own a car, Kansas' insurance law does not require you to purchase auto insurance. However, you may buy a non-owner car insurance plan for several reasons, such as:

  • Getting your license reinstated: If you are convicted of a serious driving offense, such as a DUI, and your license is suspended, you may be required to file an SR-22 in Kansas to prove financial responsibility. Non-owner car insurance is an affordable way to meet reinstatement requirements.
  • Insuring rental cars or shared cars: Always purchasing rental car insurance can be expensive in the long run. A non-owner auto insurance policy is a cheaper option if you rent or use car-sharing services frequently.
  • Avoiding insurance gaps: If you are temporarily without a car, you may need to consider buying non-owner car insurance. Without it, you could have an insurance gap. Non-owner car insurance will help you retain your rates while also qualifying you for future low-cost policies.

Who Shouldn’t Get Non-Owner Car Insurance in Kansas?

Not everyone who drives a rented or borrowed car needs non-owner vehicle insurance. You may not need this insurance if you regularly drive a friend's or family member's car with their permission because their insurance policy should cover you.

It's also not necessary for those who seldom rent cars. If you rent or lease a vehicle for a road trip outside of Kansas on occasion, a rental car insurance policy is sufficient.

How to Get Non-Owner Car Insurance in Kansas

All of the Kansas insurance companies listed below offer non-owner car insurance. However, in order to get a more precise quote, you need to call the insurance company directly since the majority of the companies do not offer their quotes online.

We’ve made this process simple by listing the contact information for the insurers that offer non-owner car insurance in Kansas below.

Contact Non-Owner Car Insurance Companies in Kansas
  • Company
    Contact Number
  • USAA
    800-531-8722
  • Travelers
    866-248-9970
  • Progressive
    888-671-4405
  • State Farm
    800-782-8332
  • Farmers
    888-327-6335
  • MetLife
    800-422-4272
  • Nationwide
    877-669-6877

Frequently Asked Questions About Kansas Non-Owner Car Insurance

A non-owner car insurance policy offers the state minimum liability insurance, but it is not the same as traditional insurance. Here are some of the most common questions concerning non-owner auto insurance in Kansas.

Methodology

MoneyGeek's analysis used data from Quadrant Information Services to compare non-owner car insurance rates in Kansas for a 40-year-old driver with a clean driving record and a 40-year-old driver with a DUI. All non-owner automobile insurance policies met state minimum car insurance requirements, except for liability insurance, which has the following coverages:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The coverage limits on the standard insurance policies used for the study are the same.