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Best car insurance in Kansas for 2023

Updated Mar 13, 2023
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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
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly full coverage premium
$110
Average annual full coverage premium
$1,320
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
821
/1,000
Average monthly full coverage premium
$136
Average annual full coverage premium
$1,631
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
816
/1,000
Average monthly full coverage premium
$219
Average annual full coverage premium
$2,629
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly full coverage premium
$119
Average annual full coverage premium
$1,433
Shelter
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
J.D. Power score (Central region)
866
/1,000
Average monthly full coverage premium
$204
Average annual full coverage premium
$2,447
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly minimum coverage premium
$22
Average annual minimum coverage premium
$258
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
821
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$310
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
816
/1,000
Average monthly minimum coverage premium
$35
Average annual minimum coverage premium
$421
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly minimum coverage premium
$33
Average annual minimum coverage premium
$397
Shelter
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
J.D. Power score (Central region)
866
/1,000
Average monthly minimum coverage premium
$55
Average annual minimum coverage premium
$661
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 879 AM Best: A++

Average annual premium

$ 1,320 for full coverage
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Why USAA made our list: USAA consistently has a winning combination of low average rates and high customer satisfaction scores, although it doesn’t qualify for official ranking with J.D. Power since it only serves the military community. On top of its low rates, you may save by garaging your vehicle on a military base or if you spun your policy off your parents’ USAA policy.

Who USAA may be good for: If you are a member of the military, a veteran or a qualifying family member, USAA might be a good choice for low average rates and military-focused coverage and discounts.

Read full USAA review

Best for discounts

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 821 AM Best: A++

Average annual premium

$ 1,631 for full coverage
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Why Auto-Owners made our list: Auto-Owners is available in 26 states and offers low average rates, numerous endorsements and several discounts. You may save if you have a qualifying life insurance policy, for example, or if you get a quote before your current policy expires. Coverage is sold by a network of independent agents, but the company’s digital tools aren’t as robust as some of its competitors.

Who Auto-Owners may be good for: If you’re looking for car insurance in Kansas that comes with plenty of discount opportunities, you might want to check out Auto-Owners.

Read full Auto-Owners review

Best for added perks

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 816 AM Best: A+

Average annual premium

$ 2,629 for full coverage
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Why Allstate made our list: Allstate may have higher-than-average rates in Kansas, but the company could still be worth getting a quote from. Allstate has local agents to help you with your insurance needs as well as digital tools for policy management. Additionally, the company offers a unique points-based reward system. After accumulating points, you can redeem them for merchandise, travel, gift cards and more.

Who Allstate may be good for: If you’re looking for a solid car insurance company that offers added benefits, Allstate might be a good fit.

Read full Allstate review

Best for personalized coverage

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 828 AM Best: A

Average annual premium

$ 1,433 for full coverage
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Why Farmers made our list: Farmers combines a low average premium with the ability to add on several endorsements for more personalized coverage. You might consider adding ridesharing, towing and roadside assistance, customized equipment or accident forgiveness coverage. Farmers has a low average premium, but also has a below-average J.D. Power score and a lower AM Best financial strength rating than the other companies on our list.

Who Farmers may be good for: If you are looking for a company that offers numerous endorsements, Farmers might be a good option.

Read full Farmers review

Best for customer satisfaction

Rating: 3.7 stars out of 5
3.7 Bankrate Score
JD Power: 866 AM Best: N/A

Average annual premium

$ 2,447 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Shelter made our list: Shelter has the highest official J.D. Power rating in the Central region, 866 out of 1,000. Shelter uniquely includes new car replacement coverage on its standard policy. If your vehicle is within one model year and has fewer than 15,000 miles on it when it's totaled or stolen, Shelter will automatically replace it with a vehicle of the same year, make and model, despite its depreciated value.

Who Shelter may be good for: Although its average premium is higher than the state average, Shelter could be a good fit for Kansas drivers who value customer service.

Read full Shelter review

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.

Average annual premium for full coverage in Kansas Average annual premium for minimum coverage in Kansas
$416 $1,878

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

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor