Best car insurance in Kansas for 2023

Best car insurance companies in Kansas 

Based on our assessment, the best car insurance in Kansas is sold by USAA, Auto-Owners, Allstate, Farmers and Shelter. While Kansas drivers pay an average of $1,878 per year for full coverage and $416 per year for minimum coverage, three of the five companies we feature here have lower rates. While rates are important, they aren’t the only feature we reviewed when choosing the best Kansas car insurance providers. We also analyzed customer satisfaction scores from the 2022 J.D. Power U.S. Auto Insurance Study, AM Best financial strength ratings, coverage offerings, discounts, digital tools and more. These companies rose to the top of our analysis:

*USAA not officially ranked by J.D. Power due to eligibility restrictions

How Bankrate chose the best car insurance companies in Kansas 

To find the best auto insurance in Kansas, we started by assessing average annual premiums from Quadrant Information Services. But our team knows that price isn’t everything, so we also assessed coverage offerings, discounts, digital tools, corporate sustainability programs and accessibility for the largest Kansas auto insurance companies by market share. Finally, we looked at customer satisfaction scores from J.D. Power, Complaint Indexes from the National Association of Insurance Commissioners (NAIC), financial strength ratings from AM Best, and other financial indicators from Standard & Poor’s (S&P) and Moody’s.

We combined these metrics into a Bankrate Score with a total of 5.0 points possible. Companies that received a higher Bankrate Score ultimately scored more highly in the underlying categories. Our Bankrate Score methodology makes it easy to see at a glance how different companies compare to each other, and helps you quickly assess different aspects of carriers.

How much is car insurance in Kansas?

The average cost of car insurance in Kansas is $1,878 per year for full coverage and $416 per year for minimum coverage. Kansas drivers tend to pay less than the national average, which is $2,014 for full coverage and $622 for minimum coverage annually. To the north, in Nebraska, car insurance is cheaper, with full coverage costing $1,624 per year and minimum coverage costing $359 per year. In Oklahoma, which borders Kansas to the south, full coverage is slightly more expensive at $1,998 per year, but minimum coverage costs less at $406 per year.

Kansas’ low average rates, when compared to the national average, may be due to the state’s more rural nature. When fewer cars are on the road or when vehicles are more spread out, as they often are in rural areas, there’s generally less chance of a collision, which reduces claim costs.

How to find the best car insurance in Kansas

Finding the best car insurance in Kansas doesn’t have to be difficult. While it does involve research and requesting several car insurance quotes, understanding how to evaluate your needs and your state’s unique requirements is generally the first step.

Consider minimum insurance requirements in Kansas

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 — understanding what coverage types and levels are required can give you a basis for knowing 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.

Consider lender requirements

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 fast, 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.

Consider your individual needs

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.

Frequently asked questions