- Best car insurance companies in Kansas
- Cheapest car insurance companies in Kansas
- Average cost of car insurance in Kansas
- Kansas car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Kansas
- Cheapest car insurance cost in Kansas by age
- Cheapest car insurance companies in Kansas by driver profile
- Compare auto insurance rates by city in Kansas
- Car insurance premium trends in Kansas
- Methodology
- Compare Kansas car insurance rates with other states
Best car insurance companies in Kansas
Travelers is the best car insurance company in Kansas, based on a data analysis by Insurance.com, with an overall rating of 3.54. Nationwide is the second-best auto insurance company in Kansas, with an overall rating of 3.42.
Below is a full list of the top Kansas insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 797 | 0.49 | $1,601 | 3.54 |
| Nationwide | A+ | 792 | 0.64 | $1,316 | 3.42 |
| Geico | A++ | 819 | 0.91 | $1,622 | 3.27 |
| State Farm | A++ | 833 | 0.7 | $1,976 | 3.26 |
| Progressive | A+ | 803 | 0.65 | $1,937 | 3.09 |
| Farmers | A | 819 | 0.8 | $1,992 | 2.89 |
| Shelter Insurance | A | 851 | 1.18 | $2,230 | 2.7 |
| Allstate | A+ | 806 | 0.65 | $2,968 | 2.55 |
Cheapest car insurance companies in Kansas
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Kansas and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide offers the cheapest full coverage car insurance in Kansas, with average rates of $1,316 annually or $109 a month. USAA offers cheaper car insurance at $1,151 per year, but is only for military families.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA | $226 | $252 | $1,151 |
| Nationwide | $416 | $383 | $1,316 |
| Travelers | $398 | $423 | $1,601 |
| Geico | $263 | $296 | $1,622 |
| Progressive | $458 | $520 | $1,937 |
| State Farm | $335 | $388 | $1,976 |
| Farmers | $576 | $674 | $1,992 |
| Shelter Insurance | $562 | $585 | $2,230 |
| Iowa Farm Bureau | $371 | $393 | $2,289 |
| Allstate | $767 | $824 | $2,968 |
*USAA is only available to military members and their families.
Average cost of car insurance in Kansas
The average cost of car insurance in Kansas is $1,900 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Kansas is $434.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Kansas
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 67843 | Fort Dodge | $199 |
| 67854 | Jetmore | $199 |
| 67842 | Ford | $198 |
| 67876 | Spearville | $198 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 67401 | Salina | $146 |
| 66030 | Gardner | $149 |
| 66047 | Lawrence | $149 |
| 66046 | Lawrence | $149 |
The Kansas Insurance Department says...
If your teenagers don't own cars, name them on your policy as occasional operators of your least expensive cars. They may be named as an occasional driver if they don't drive to and from school or work. If they do own cars, cover them under your policy. This would also qualify you for a multi-car discount. It is important that you report actual driving habits to the company. It's not uncommon to have juveniles automatically assigned to your most expensive car.
- The Kansas Insurance DepartmentKansas car insurance requirements
Kansas’s minimum car insurance coverage limits are 25/50/25. Kansas's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $422 annually or $35 monthly.
Minimum liability insurance requirements for Kansas:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per person
- Personal injury protection (PIP): $4500 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in Kansas
According to Insurance.com, Geico provides the cheapest state minimum liability insurance, averaging $283 annually or $24 monthly. USAA offers cheaper rates but has eligibility criteria.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Kansas.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| USAA* | $220 | $18 |
| Geico | $283 | $24 |
| State Farm | $335 | $28 |
| Iowa Farm Bureau | $361 | $30 |
| Nationwide | $395 | $33 |
| Travelers | $401 | $33 |
| Progressive | $419 | $35 |
| Farmers | $530 | $44 |
| Shelter Insurance | $562 | $47 |
| Allstate | $748 | $62 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Kansas by age
In Kansas, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Nationwide offers the cheapest car insurance for teen drivers in Kansas at $3,923 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Kansas, Nationwide offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,281 per year and $1,102 per year, respectively. USAA offers cheaper rates if you qualify.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Nationwide | $4,357 | $363 |
| Travelers | $5,595 | $466 |
| USAA | $5,596 | $466 |
| Geico | $5,911 | $493 |
| State Farm | $6,030 | $503 |
| Progressive | $9,001 | $750 |
| Farmers | $9,038 | $753 |
| Allstate | $17,017 | $1,418 |
*USAA is only available to military members and their families.
Cheapest car insurance companies in Kansas by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Kansas rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| USAA | $1,151 | $1,673 | $1,324 |
| Nationwide | $1,316 | $2,160 | $1,617 |
| Geico | $1,622 | $2,806 | $1,889 |
| State Farm | $1,976 | $2,200 | $2,071 |
| Travelers | $1,601 | $2,228 | $2,145 |
| Progressive | $1,937 | $2,843 | $2,409 |
| Farmers | $1,992 | $3,769 | $2,444 |
| Allstate | $2,968 | $4,487 | $3,288 |
*USAA offers car insurance only to military veterans and their families.
Compare auto insurance rates by city in Kansas
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Kansas will impact what you pay. Below, we've gathered Kansas car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Atchison | $1,800 |
Beloit | $1,917 |
Overland Park | $1,718 |
Car insurance premium trends in Kansas
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Kansas to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare Kansas car insurance rates with other states
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