Best car insurance in Kansas for 2021

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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 when shopping for auto insurance, check a company’s reputation, price, third-party ratings, discounts and coverage options.

Best car insurance companies in Kansas

To identify the best auto insurance companies, we examined how well each provider did in J.D. Power’s overall customer satisfaction ratings, coverage options, benefit to Kansas residents, market share, unique perks and discounts.

Provider J.D. Power & Associates customer service rating Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 844/1000 $370 $1,757
Nationwide 807/1000 $437 $1,946
State Farm 828/1000 $300 $1,289
Shelter Insurance 858/1000 $595 $2,410

Allstate

Allstate has a large number of discounts and coverage options to help customers get the coverage they want including some unique discounts like early signing and farm vehicle. Allstate also offers an affordable rate for full coverage premium at $1,757 annually. In terms of customer satisfaction, JD Score rates it at 844/1000.

Nationwide

Nationwide has semi-affordable insurance rates for people across many demographics in Kansas. Although it isn’t the cheapest car insurance company in Kansas, it offers several types of coverage and discounts like good driver and good student.

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. Out of the list of car insurance companies, State Farm offers the lowest average annual rate for full coverage at only $1,289.

Shelter

Shelter got the highest score from J.D. Power on our list, making it one of the best insurance companies. Shelter has many coverage options, including farm insurance. However, full coverage is quite expensive at $2,410 annually.

Average cost of car insurance in Kansas

The average cost of car insurance in Kansas is slightly less than the national average of $1,738 for full coverage.

Average annual premium for minimum coverage in Kansas Average annual premium for full coverage in Kansas
$371 $1,713

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.

How to get the best car insurance

To get the best full coverage car insurance in Kansas, the first step is to identify what you’re looking for:

  • Evaluate your individual needs: Consider your present circumstances and your future goals to plan ahead. For example, if your goal is to buy an electric vehicle in the future, you may want to look for car insurance companies that offer a discount for owning an electric vehicle. Also consider your accident and claims history and credit score to help shape your idea of the best car insurance in Kansas:
  • Consider state factors: In Kansas, only 7.2% of drivers are uninsured, however, you may still want to get uninsured motorist coverage to protect you in the event of a no-fault accident. You might also want comprehensive coverage in case of a natural disaster like a tornado.

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.

Frequently asked questions

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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.