Best Kansas Car Insurance Companies 2020

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Tired of overpaying for auto insurance? Kansas drivers stand to receive great rates, as there are over two million licensed drivers across the state. This lower number (relative to other states like California with close to 27 million drivers) could mean fewer risks in the eyes of insurance companies and better rates for you. 

Additionally, Kansas has one of the safest metropolitan areas for driving in Kansas City where the average person might experience a collision once every 14 years. For comparison, the national average for a collision is 10 years, indicating how much safer driving in KC can be. 

Therefore, if you have a great driving record, there’s no reason to overpay for insurance. To make sure you get a good deal, here’s what to look for when shopping for auto insurance:

  • Reputation: What’s the carrier’s grade with the Better Business Bureau? What do customers say about the claims process?
  • Price: How much do they charge relative to other carriers?
  • AM Best Ratings: Do they have high ratings that indicate the financial health of the provider? This is crucial when filing claims.
  • Discounts: Do they offer safe driving discounts? What about discounts for military affiliations?
  • Perks: Do they offer roadside assistance or 24/7 customer support?
  • Ease of use: Does the carrier have a mobile app?

All told, these factors help you identify the best Kansas auto insurance companies.

Best car insurance companies in Kansas

Here’s a look at some of the best auto insurance providers in the state:

  • Allstate: Allstate has a large number of discounts and coverage options to help customers get the coverage they want. 
  • Geico: Geico has affordable insurance rates for people across many demographics. It also offers several types of coverage and discounts like good driver and good student.  
  • Shelter: Shelter has a 5 out of 5 rating from J.D. Power, making it one of the best insurance companies. Shelter has many coverage options, including farm insurance.
  • State Farm: State Farm offers additional coverage options such as accident forgiveness and rideshare coverage. It also offers options to reduce premiums such as a reduction in rates if you take a defensive driving course. 

To identify the best auto insurance companies, we examined how well each provider did in J.D. Power’s overall customer satisfaction ratings

Next, we examined factors including the provider’s BBB grade, indicating how well the carrier resolves customer issues. Lastly, we factored in the AM Best rating which shows the capability of the insurance company to pay claims. Here’s a look at the ratings:

Provider J.D. Power Circle Ratings (out of 5) BBB Grade (A-F) AM Best Rating (A++ indicates the highest rating)
Shelter 5 A+ A+
Allstate 4 A+ A+
Geico 4 A+ A++
State Farm 3 A+ A++

Finding the right cheap car insurance in Kansas for you

Wanting to save money is the main consideration in why you would switch providers. Because all drivers don’t have the same situations (credit, driving history, needs), finding the best provider for you comes down to your unique circumstances. To help you in this regard, we used U.S. News’ report on the cheapest car insurance to identify the right solution based on your circumstances. 

Cheapest insurance for drivers with a low credit score: Nationwide

Credit scores play a huge role in determining your insurance rates. If you’ve had problems in the past, the best option is Nationwide Insurance where you’ll pay on average $1,472 annually for a policy. 

Cheapest insurance for drivers with a great credit score: Travelers

If you have a great credit score, Travelers is your best bet as the average is $1,021 for a 12-month premium.

Cheapest insurance for drivers with a clean record: Travelers

If you’ve had a clean driving record, Travelers is your best bet with an annual premium of $1,021. 

Cheapest auto insurance for drivers with one accident: State Farm

For drivers with one accident, State Farm offers the cheapest policy at $1,326. State Farm also has accident forgiveness options.

Cheapest auto insurance for drivers with a DUI: American Family

If you’ve had a DUI, American Family provides the best rates at $1,292 on average for a 12-month policy.

Cheapest insurance for drivers with high mileage: Travelers

For drivers planning to be road warriors (driving more than 12,000 miles annually), Travelers is a smart option. Average premiums cost $1,021. 

Cheapest insurance for drivers with low mileage: Geico

Alternatively, if you plan to drive fewer than 6,000 miles a year, Geico’s 12-month premium of $968 is hard to pass up.

Note: If you qualify for USAA, it’s going to be the cheapest provider for all factors outside of DUI where American Family remains the cheapest. 

Average cost of car insurance in Kansas

The average cost of auto insurance in Kansas was $713.50 for the year 2016 and likely has gone up some. This accounts for collision, comprehensive and liability insurance. In general, teens will pay the most for insurance based on their risk profile. Below is an illustration of how much you could pay (using the stats in the U.S. News’ report for some of the top providers:

Provider Men aged 25 Women aged 25 Men aged 35 Women aged 35 Men aged 60 Women aged 60
Allstate $1,901.22 $1,837.88 $1,739.20 $1,779.06 $1,634.77 $1,590.14
Geico $1,092.26 $1,571.98 $1,000.35 $921.11 $924.31 $924.31
State Farm $1,415.11 $1,257.01 $1,145.16 $1,145.16 $1,039.97 $1,013.97

The demographics used to compile these results include credit and driving histories, gender, and driving behaviors. 

Car insurance discounts in Kansas

When searching for auto insurance discounts, examine what each provider offers. 

If you have a safe driving record (no moving violations or accidents within the past five years), you should be rewarded for it. Compare the safe driving discounts from multiple carriers to see which one offers you the best deal.

Many providers also offer discounts if you’re earning good grades or combining multiple policies with one carrier.  Providers also have discounts for military, police and first responders. 

What are the state minimum insurance requirements in Kansas?

Kansas requires each driver to carry a policy that includes the following:

  • Bodily injury liability of up to $25,000 per person and $50,000 per accident. This insurance covers a person’s medical bills if an accident happens.
  • $25,000 property liability coverage that covers damage incurred to vehicles or other property resulting from a crash.
  • Uninsured/underinsured motorist bodily injury of up to $25,000 per person and $50,000 per accident. 
  • Personal injury protection of $4,500 per person.

Frequently asked questions

What’s the cheapest car insurance in Kansas?

Costs depend on factors such as your age, driving habits and credit score. The cheapest options include USAA (if you qualify), Travelers, Geico and Nationwide.

What information is required to get car insurance in Kansas?

You’ll need to supply personal information such as your name, address, Social Security number and birth date. For your vehicle, carriers want an estimate of how many miles you drive, the purpose of the vehicle and whether it has any enhanced safety equipment (think OnStar).

How can I maximize savings?

If the carrier offers a safe driving monitoring tool (think Allstate’s Drivewise), use it to see how much of a discount you can receive. How this works is it monitors how and when you drive then makes recommendations on how to improve your score. If you earn a high score after a specified time, you could save up to 30 percent on your premium. 

Does Kansas allow you to show proof of insurance digitally?

Yes, in Kansas, if you’re pulled over for any reason, you can show the police a digital copy of your current insurance card.