Best car insurance in Kansas for 2024

Our 2024 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. 

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. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average 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, Demotech 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 and home 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.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

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 helps pay for damage 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.

Insurance is a highly personalized product. The right insurance policy for you probably looks very different compared to your neighbor’s. Before you start requesting quotes, it can help to think about what you want from an insurance provider. For instance, is cost the most important factor? Do you want local agents? Are a company’s digital tools important to you?

Don’t forget about your coverage needs, too. If you’re insuring multiple vehicles, you might shop for a company with a good multi-vehicle discount. Or, if you’ve got a teen driver, you might choose a company with a good student or a safe driver discount. Being aware of your unique insurance needs can make it easier to find the best car insurance company for you.

According to rate data from Quadrant Information Services, USAA, Auto-Owners and Electric offer some of the cheapest average minimum coverage car insurance policies in Kansas. However, rates differ based on factors personal to you, so the cheapest company will vary by driver. Shopping around and comparing quotes for the same coverage levels will help you find the most affordable policy for you.

Yes, Kansas is a no-fault state. In no-fault states, your personal injury protection (PIP) coverage will help 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 damage 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 damage you cause to the property of others.

Kansas state law prohibits drivers from operating a vehicle without car insurance. If you’re caught driving without the minimum required coverage, you could face hefty fines and jail time. With such marks on your record, you’ll likely be viewed as riskier to insure and see your insurance premium go up at renewal time. Plus, the state requires drivers who have been caught driving without insurance to file an SR-22 for 12 months.

The best car insurance company in Kansas varies from person to person based on what coverage you’re seeking and what is important to you. Some drivers prioritize low premium costs, while others look for digital policy management, local agents or top-notch customer service. To find the best car insurance company for you, start by identifying what you value most in an insurance provider, then seek out companies that fit your criteria. Upon identifying those companies, get quotes from several for the same coverage types and policy limits and compare rates to find the best deal.