Best car insurance in Kansas for 2023

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

While you don’t need to memorize your state’s minimum coverage limits — it’s impossible to buy a policy with limits that are lower than the minimum from a reputable carrier — understanding what coverage types and levels are required may help you decide how much coverage you need.

Kansas requires more coverage types than many states. While most states require bodily injury liability and property damage liability, Kansas requires those coverage types as well as uninsured motorist, underinsured motorist and personal injury protection (PIP) coverage. While minimum coverage might be the cheapest option, it also provides very little financial protection. Most insurance professionals recommend that you buy higher liability limits.

If you have a loan or lease on your vehicle, you’ll likely be required to carry a full coverage car insurance policy. Full coverage adds both comprehensive and collision to a policy, which pays for damages to your vehicle regardless of fault. These coverage types are typically required if you have a loan or lease on a vehicle because the financial institution owns it (or at least part of it) and needs to make sure that the vehicle will be repaired or replaced should it be damaged or totaled.

You may also want to consider gap coverage if your vehicle is newer. New vehicles depreciate quickly, which sometimes means that the price you’ll be paid after a claim is less than your loan amount. Gap coverage is designed to pay the difference so you aren’t left paying your lender out of pocket.

Every driver brings a unique set of circumstances to their search criteria for car insurance in Kansas. Your individual needs will impact which company best fits your needs. If you have a teen driver in your household, for example, you may choose a company with several young driver discounts to help lower your premium.

Additionally, if you have made custom improvements to your vehicle, you may need to seek out a company with custom parts and equipment coverage. High-risk drivers might need to find non-standard car insurance companies. Understanding your specific situation might help you decide what features you need to look for as you search for auto insurance in Kansas.

Based on our research, USAA, State Farm, North Star Mutual and Farmers offer the cheapest car insurance in Kansas for full and minimum coverage. Remember that rates differ based on your personal rating factors, so the cheapest company will vary by driver. Shopping around and comparing quotes for the same coverage level will help you find the cheapest coverage for you.

Yes, Kansas is a no-fault state. In no-fault states, your personal injury protection (PIP) coverage will pay for your injuries initially, regardless of who was at fault in an accident. “No-fault coverage” is commonly misunderstood and taken to mean that each driver pays for all their damages and injuries, but that is not true. Even in no-fault states, you may be found liable for another party’s injuries and your bodily injury coverage may cover the cost. Additionally, you will always be at fault for the damages you cause to the property of others.

Kansas state law requires drivers to carry at least a minimum level of car insurance coverage. This means it is illegal to drive in Kansas without insurance. If you are caught driving in the state without sufficient insurance coverage, you risk fines, potential license suspension and may even face jail time. If you are responsible for an accident and do not have auto insurance, you will be responsible for covering the cost of the damage out of pocket.

The best car insurance company in Kansas will depend on a number of factors, including the level of coverage available and your expectations of the company’s service. The best company for you will provide sufficient coverage at a rate that fits into your budget. It may also offer discounts that meet your needs, such as bundling or autopay options, and will be able to provide you the level of service that you need, whether online or in person.