Best and Cheapest Car Insurance in Kansas (Top 10 Companies for Savings in 2024)
USAA, Geico, and State Farm have the best and cheapest car insurance in Kansas.
Want more options for affordable car insurance companies in Kansas? Other top choices we recommend for the best and cheapest insurance companies in Kansas are below. Each has affordable rates, great coverage options, and discounts.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $18 | A++ | Military Benefits | USAA |
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#2 | $24 | A++ | Low Rates | Geico |
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#3 | $26 | B | Many Discounts | State Farm |
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#4 | $28 | A++ | Coverage Options | Travelers |
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#5 | $29 | A | Deductible Savings | Nationwide |
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#6 | $36 | A | Loyalty Discounts | American Family |
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#7 | $41 | A+ | Online Management | Progressive |
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#8 | $46 | A | Customizable Policies | Farmers |
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#9 | $51 | A+ | Agent Network | Allstate |
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#10 | $56 | A | Affinity Discounts | Liberty Mutual |
Our guide goes over each of these best Kansas car insurance companies in more detail, as well as what coverages you'll need, how to save, and more. Ready to find cheap Kansas insurance quotes? Enter your ZIP in our free tool.
What You Should Know
- USAA has the cheapest Kansas car insurance overall
- Geico and State Farm are affordable options for non-military drivers
- All Kansas driver must carry minimum coverage to drive
On this page:
- Top Kansas Companies Rates and Discounts
- Cheapest Teen Car Insurance Rates in Kansas
- Cheapest Married Couple Car Insurance Rates in Kansas
- Cheapest Senior Car Insurance Rates in Kansas
- 10 Cheapest Cities in Kansas for Car Insurance
- 10 Most Expensive Cities in Kansas for Car Insurance
- Kansas Minimum Car Insurance Coverage and Limits
- How Kansas Companies Calculate Car Insurance Rates
- How to Save on Kansas Car Insurance Rates
- How Clearsurance Ranks Kansas Car Insurance Companies
- Finding the Best and Cheapest Kansas Car Insurance Companies
#1 – USAA: Top Pick Overall
Pros
- Military Benefits: Some of the benefits of joining USAA as military member or veteran include shopping discounts and travel discounts.
- SafePilot UBI Program: Drivers can join USAA’s free program to earn a discount for safe driving.
- Coverage Options: Learn what USAA offers for drivers in our USAA review.
Cons
- Eligibility is Restricted: USAA is sold exclusively to military members and veterans.
- No In-Person Assistance: USAA customer service is provided online in a chat or over the phone.
#2 – Geico: Best for Low Rates
Pros
- Low Rates: Drivers who can’t qualify for USAA insurance will find the next lowest rates at Geico.
- DriveEasy UBI Program: Join Geico’s UBI program for free and save on Kansas car insurance.
- Bundling Discount: Geico also has Geico renters insuranceor home insurance that can be combined with Kansas auto insurance.
Cons
- No Gap Insurance: New car owners in Kansas can’t buy gap from Geico.
- No In-Person Assistance: Geico customer service is provided online in a chat or by phone.
#3 – State Farm: Best for Many Discounts
Pros
- Many Discounts: Reduce Kansas auto insurance rates with any of State Farm’s many discounts.
- Local Agents: Local Kansas agents are available to provide personalized assistance.
- Coverage Options: Kansas customers have several options for their vehicles. Learn more in our State Farm review.
Cons
- Online Policy Management Limited: Most changes to policies must be through a Kansas State Farm agent.
- Financial Rating: State Farm has a low rating.
#4 – Travelers: Best for Coverage Options
Pros
- Coverage Options: Kansas drivers have multiple options for their vehicles. Learn more in our Travelers review.
- IntelliDrive UBI Program: Join for free to potentially save up to 30% on Kansas insurance.
- Financial Rating: Travelers has a high rating.
Cons
- Potential IntelliDrive Rate Increases: The flip side of IntelliDrive is that bad driving could raise Kansas rates.
- Customer Ratings: Customer service scores are just average.
#5 – Nationwide: Best for Deductible Savings
Pros
- Deductible Savings: Safe drivers may qualify for deductible reductions. Learn more in our review of Nationwide.
- Bundling Discount: Purchase home or renters insurance with Kansas auto insurance to save.
- Add-On Coverages: Fully protect your Kansas vehicle by adding on optional coverages.
Cons
- No Rideshare Insurance: Lyft and Uber drivers in Kansas can’t get insurance with Nationwide.
- Customer Ratings: Customer service scores are average for the most part.
#6 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Discounts: Kansas customers who stick with American Family will get lower rates.
- Local Agents: Local Kansas agents are available across the state.
- Good Student Discount: Kansas students just need to show proof of good grades to save.
Cons
- High-Risk Driver Rates: Kansas rates can be less competitive for higher risk customers. Learn more in our American Family review.
- Online Management: Customers may find it harder to make changes online.
#7 – Progressive: Best for Online Management
Pros
- Online Management: Kansas customer will find managing policies online simple. Read more in our Progressive review.
- Snapshot UBI Program: Join the program for free in Kansas to save on auto insurance.
- Coverage Options: Vehicles can be protected with various optional coverages, like gap insurance.
Cons
- Potential Snapshot Rate Increases: Bad driving could raise Kansas car insurance rates.
- Customer Service Ratings: With most reviews giving just average ratings, service could be better.
#8 – Farmers: Best for Customizable Policies
Pros
- Customizable Policies: Kansas auto insurance policies are simple to customize.
- Local Agents: Kansas agents are available throughout the state.
- Multi-Policy Discount: Purchase home or renters insurance with Kansas auto insurance. Learn more in our Farmers review.
Cons
- Customer Service Ratings: Ratings are just average.
- Accident Forgiveness: While Farmers has accident forgiveness, most drivers won’t qualify for it due to the strict eligibility requirements.
#9 – Allstate: Best for Agent Network
Pros
- Agent Network: Find local agents in Kansas or contact one virtually.
- Claim Satisfaction Guarantee: Allstate will work with unhappy customers.
- Milewise: Pay for insurance by the mile in Kansas with Allstate Milewise.
Cons
- Customer Service Ratings: Could be improved, which you can read about in our Allstate review.
- Young Driver Rates: Rates are expensive for young Kansas drivers.
#10 – Liberty Mutual: Best for Affinity Discounts
Pros
- Affinity Discounts: Liberty Mutual has affinity discounts, such as a military and veteran discount. Read more in our review of Liberty Mutual.
- 24/7 Claims Service: Get assistance with Kansas claims 24/7.
- Bundling Discount: Get home or renters insurance with Kansas auto insurance.
Cons
- Customer Ratings: Liberty Mutual customer service is rated as average.
- High-Risk Driver Rates: Kansas rates are expensive for higher risk Kansas drivers.
Top Kansas Companies Rates and Discounts
When you’re choosing a Kansas car insurance company, you’ll want to find one that has a good reputation with its policyholders. Clearsurance reviews from other customers can help you decide which Kansas car insurance company is the best fit for your insurance needs.
Taking a look at the average rates at the cheapest Kansas companies will also give you an idea of which company is best for your budget.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $51 | $160 |
| American Family | $36 | $114 |
| Farmers | $46 | $144 |
| Geico | $24 | $75 |
| Liberty Mutual | $56 | $174 |
| Nationwide | $29 | $92 |
| Progressive | $41 | $127 |
| State Farm | $26 | $81 |
| Travelers | $28 | $87 |
| USAA | $18 | $56 |
Discounts at the cheapest Kansas companies can reduce your average Kansas auto insurance rates even further. Popular discounts include good driver discounts or bundling discounts.
Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Kansas. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Kansas car insurance companies.
Read More: How To Buy Car Insurance
In the table above, you can sort through all the Kansas car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers.
Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Kansas car insurance rankings.
Interested in learning more about one of these Kansas car insurance companies? You can visit the company’s profile page to find out what additional coverage types they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
Cheapest Teen Car Insurance Rates in Kansas
Kansas teens can get the cheapest car insurance rates with Farm Bureau on average. Teen drivers can sometimes be seen as high-risk, which is why they aren't offered the cheapest insurance on the market when buying new driver car insurance.
In the table below, you can find minimum Kansas teen car insurance rates for male and female drivers. The average premiums are listed for the cheapest car insurance companies in Kansas.
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $120 | $160 |
| American Family | $70 | $84 |
| Farmers | $173 | $179 |
| Geico | $60 | $90 |
| Liberty Mutual | $225 | $251 |
| Nationwide | $87 | $110 |
| Progressive | $241 | $273 |
| State Farm | $71 | $91 |
| Travelers | $145 | $225 |
| USAA | $64 | $67 |
If teen drivers keep a clean driving record, take defensive driving courses, and practice safe driving habits, they'll at least ensure that they'll receive better rates once they're older.
Cheapest Married Couple Car Insurance Rates in Kansas
Out of the best car insurance companies in Kansas, married couples can get the cheapest rates on Kansas car insurance with USAA on average.
The table below displays average Kansas car insurance rates for a married couple with two cars on a policy from the best companies in the state.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $57 |
| American Family | $42 |
| Farmers | $59 |
| Geico | $32 |
| Liberty Mutual | $64 |
| Nationwide | $38 |
| Progressive | $58 |
| State Farm | $34 |
| Travelers | $35 |
| USAA | $25 |
If you're interested in whether or not you'd be given a different insurance quote from your provider, let them know what your marital status is while talking to them.
Learn More: Best Car Insurance Companies for Married Couples
You may be offered a better premium rate because you're married, depending on your insurer.
Cheapest Senior Car Insurance Rates in Kansas
Below, you can see average Kansas car insurance rates for male and female senior drivers from the best companies in the state (Read More: Best Car Insurance for Senior Drivers).
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $48 | $49 |
| American Family | $33 | $33 |
| Farmers | $41 | $43 |
| Geico | $22 | $22 |
| Liberty Mutual | $49 | $54 |
| Nationwide | $25 | $28 |
| Progressive | $34 | $36 |
| State Farm | $23 | $23 |
| Travelers | $25 | $26 |
| USAA | $16 | $16 |
Kansas seniors can find the cheapest car insurance rates with USAA on average. Seniors often are looked at as more mature drivers, since their driving history tends to be much longer than someone who has just received their license, such as a teen driver.
However, once senior drivers near their 80s, they may see rates start to go up. This is often because insurance companies consider driving factors like decreased reaction time or impaired vision for older drivers.
10 Cheapest Cities in Kansas for Car Insurance
There are many factors that contribute to what your car insurance rates are. For drivers in Kansas, car insurance rates vary based on your city. Car insurance rates in Kansas can even vary by different areas within a city.
Learn More: How to Get Cheap Car Insurance
In the table below, you can see the top ten cheapest acities in Kansas for car insurance based on average rates for a single adult.
| City | Monthly Rates |
|---|---|
| Salina | $111 |
| Gardner | $112 |
| New Cambria | $113 |
| Edgerton | $113 |
| Olathe | $113 |
| Manhattan | $114 |
| Spring Hill | $114 |
| New Century | $114 |
| Stilwell | $114 |
| De Soto | $114 |
The cheapest city in Kansas for car insurance on average is the city of Salina. If you do live in one of the cheapest Kansas cities, bear in mind that you should still take the time to shop for car insurance quotes to get the best deal.
10 Most Expensive Cities in Kansas for Car Insurance
The city you live in matters when it comes to car insurance rates. In Kansas, your car insurance rates can vary based on where you live because of factors such as crime rate and number of accidents that happen in your area.
The table below displays the top ten most expensive cities in Kansas for car insurance based on average rates for a single adult.
| City | Monthly Rates |
|---|---|
| Pierceville | $143 |
| Kansas City | $143 |
| Holcomb | $143 |
| Garden City | $143 |
| Wright | $143 |
| Jetmore | $143 |
| Ensign | $143 |
| Ingalls | $143 |
| Dodge City | $143 |
| Cimarron | $143 |
Wondering why some cities can be more expensive than others? One of the reasons rates are higher is if there is a higher number of accidents with uninsured drivers in your area (Read More: Steps to Handling an Accident with an Uninsured Driver.
Kansas Minimum Car Insurance Coverage and Limits
Kansas requires drivers to purchase three types of insurance coverage: liability, personal injury protection (PIP) and uninsured/underinsured motorist coverage. The state mandates that drivers buy minimum coverage limits, outlined below. Keep in mind, though, that these amounts are just minimums, and you would be wise to consider purchasing an even higher limit to ensure you have sufficient protection in the event of a costly accident.
Arguably the most complex coverage requirement for Kansas drivers is personal injury protection, also referred to as PIP or no-fault coverage. PIP covers you and your passengers — those who don’t have PIP of their own — for injuries sustained in an auto accident, regardless of fault. There are multiple expenses covered within PIP, such as medical expenses and disability/loss of income for one year. These are listed in the section below, along with the state minimum requirements.
Learn More: What kind of car insurance do you really need?
In many states, an at-fault driver’s insurance would be responsible for paying for your pain and suffering expenses, but this is not the case in Kansas. Here, you cannot seek payment from the other party unless your medical bills exceed $2,000 or the injury consists of: permanent disfigurement; a fracture to a weight bearing bone; a compound, comminuted, displaced or compressed fracture; loss of a body part; permanent injury; permanent loss of bodily function; or death.
In addition to these requirements, Kansas drivers have the choice of optional coverages, such as collision insurance and comprehensive insurance.
Learn More: Collision vs. Comprehensive Coverage
These would offer your car protection in an accident you cause, and also would protect your car from non-accident related damages or theft. If you're wondering, collision coverage is different from the liability per accident coverage you need, because while liability coverage protects other people and their vehicles, collision covers your personal vehicle in the event of a crash.
Kansas’s state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $25,000 per accident
Personal injury protection:
- Medical expenses — $4,500 per person
- Disability/loss of income — $900 per month for one year
- In-home services — $25 per day for one year
- Funeral, burial or cremation expense — $2,000
- Rehabilitation expense — $4,500
Bodily injury caused by an uninsured/underinsured motorist:
- $25,000 per person
- $50,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Kansas Uninsured Motorist Percentage
The fact that uninsured drivers are on the road can be frightening enough, but add in the cost of damages you'd be responsible for should you get into an accident with one, and the thought suddenly becomes a nightmare.
As mentioned earlier, Kansas requires coverage for bodily injury caused by an uninsured/underinsured motorist. This protects you if you are injured in an accident caused by a driver who doesn’t have insurance or who doesn’t have high enough limits to pay your claim.
It also provides coverage if you are injured by a hit-and-run driver. In Kansas, 7.2 of drivers are without insurance, according to 2015 data from the Insurance Information Institute. With additional coverage that protects you from such a high-risk driver, you won't end up paying for someone else's traffic violations.
How Kansas Companies Calculate Car Insurance Rates
When searching and comparing quotes from the best auto insurance companies in Kansas, it can be frustrating trying to understand how companies calculate the cost of your coverage policy, since auto insurance rates tend to vary from insurer to insurer.
While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Age, Gender, & Marital Status
- Driving Record & Annual Mileage
- Your Car’s Make, Model, and Year
- Location & Credit Score
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.
Read More: What is considered a clean driving record?
For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase, unless they live in a no-fault state.
How to Save on Kansas Car Insurance Rates
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Kansas car insurance companies.
Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Shop for better insurance rates
While you never want to sacrifice quality to save a couple of dollars, following the tips above will help you lower your car insurance premium and get cheap car insurance.
How Clearsurance Ranks Kansas Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box.
Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. A lot of consumers put great stock in what other people have to say about a company, being interested not only in their customer service and claims services, but their financial stability as well.
Learn More: Insurance Claims Rating for Top 10 Largest Car Insurance Companies
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings, to better help you find affordable coverage from a variety of insurance providers.
Finding the Best and Cheapest Kansas Car Insurance Companies
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options that exist is a must. If you don't know what types of auto insurance policies are out there, you may end up overpaying for a form of compensation you'll never need.
Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance. We make sure it's full of accurate content and answers to any of your questions, that's our responsibility.
Ready to shop for cheap Kansas car insurance quotes? Compare rates today with our free tool.
Frequently Asked Questions
Who offers the lowest rates for teen drivers in Kansas?
Kansas teens can get the cheapest car insurance rates with USAA on average.
Who offers the cheapest annual rate for a married couple in Kansas?
Out of the cheapest car insurance companies in Kansas, married couples can get the cheapest rates on Kansas car insurance with USAA on average.
Who offers the cheapest auto policies for seniors in Kansas?
Kansas seniors can find the cheapest car insurance rates with USAA on average.
Who has the cheapest insurance in Kansas?
USAA has the cheapest insurance in Kansas.
What type of car insurance is cheapest?
The cheapest type of car insurance in Kansas is minimum coverage.
What is the minimum car insurance in Kansas?
Kansas requires liability insurance, PIP insurance, and uninsured insurance.
What is full coverage in Kansas?
Full coverage in Kansas will be the minimum coverage requirement combined with collision and comprehensive coverage.
Is Kansas a no-fault state?
Yes, Kansas is a no-fault state for car insurance.
Does insurance follow the car or the driver in Kansas?
Usually, Kansas car insurance follows the car, not the driver.
Is driving without insurance illegal in Kansas?
Yes, it is illegal to drive without insurance in Kansas.