Best and Cheapest Car Insurance in Kansas as Rated by Customers in 2021

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#1
/42
USAA
4.73 ★★★★★
4.73 ★★★★★
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Excellent
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#2
/42
4.56 ★★★★★
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#3
/42
4.23 ★★★★★
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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. 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.

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.

On this page:

Who offers the 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. However, if they 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.

In the table below, you can find Kansas teen car insurance rates for male and female drivers. The average premiums are listed for the five largest car insurance companies in Kansas.

Company Female teen ratesMale teen rates
American Family Insurance $921 $1,145
Farmers Insurance Group $2,780 $2,875
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $892 $811
Progressive $2,563 $2,772
State Farm Insurance Company $1,079 $1,270

These rates are based on profiles for 18-year-old male and female drivers in Kansas. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Kansas?

Out of the five largest car insurance companies in Kansas, married couples can get the cheapest rates on Kansas car insurance with American Family on average. 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. You may be offered a better premium rate because you're married, depending on your insurer.

The table below displays average Kansas car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
American Family Insurance $1,330
Farmers Insurance Group $2,265
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $2,375
Progressive $2,287
State Farm Insurance Company $1,968

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Kansas?

Kansas seniors can find the cheapest car insurance rates with American Family Insurance 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.

Below you can see average Kansas car insurance rates for male and female senior drivers for the five largest companies in the state.

Company Female senior ratesMale senior rates
American Family Insurance $870 $870
Farmers Insurance Group $1,000 $1,080
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $1,057 $1,027
Progressive $1,172 $1,221
State Farm Insurance Company $893 $893

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

What areas in Kansas come with a more affordable rate for auto coverage?

There are many factors that contribute to what your car insurance rates are. For drivers in Kansas, car insurance rates vary based on your location. Car insurance rates in Kansas can even vary by different areas within a city. The cheapest area in Kansas for car insurance on average is the city of Salina. In the table below, you can see the top ten cheapest areas in Kansas for car insurance based on average rates for a single adult.

Area Car insurance rates
Salina $1,330
Gardner $1,344
New Cambria $1,356
Edgerton $1,358
Olathe $1,359
Manhattan $1,363
Spring Hill $1,366
New Century $1,368
Stilwell $1,370
De Soto $1,371

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

What are the most expensive areas in Kansas in terms of coverage per person?

The area 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. Some areas can be more expensive than others.

The table below displays the top ten most expensive areas in Kansas for car insurance based on average rates for a single adult.

Area Car insurance rates
Pierceville $1,721
Kansas City $1,721
Holcomb $1,718
Garden City $1,716
Wright $1,714
Jetmore $1,714
Ensign $1,714
Ingalls $1,713
Dodge City $1,712
Cimarron $1,712

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Kansas will differ. Rate data is provided by Quadrant Information Services.

Is there a minimum policy required in Kansas?

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.

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. 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.

What is Kansas's 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 are car insurance rates calculated in Kansas?

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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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.

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.

Are there ways you can save money if your annual cost is higher than you'd like?

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. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six 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
  • Monitor price changes to your policy
  • Shop for better insurance rates

How does Clearsurance rate and rank companies in Kansas?

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, but their financial stability as well.

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.

Is there a comprehensive guide with more answers?

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.

Frequently Asked Questions

Who offers the lowest rates for teen drivers in Kansas?

Kansas teens can get the cheapest car insurance rates with Farm Bureau on average.

Who offers the cheapest annual rate for a married couple in Kansas?

Out of the five largest car insurance companies in Kansas, married couples can get the cheapest rates on Kansas car insurance with American Family on average.

Who offers the cheapest auto policies for seniors in Kansas?

Kansas seniors can find the cheapest car insurance rates with American Family Insurance on average.

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