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Best car insurance in Kansas for 2024

Based on Bankrate's research, USAA, Auto-Owners, Allstate, Farmers and Shelter write some of the best car insurance policies in Kansas.

Updated Feb 21, 2024
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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 $2,630 per year for full coverage and $631 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 2023 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:

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.2
Rating: 4.2 stars out of 5
$1,505
$323
4.3
Rating: 4.3 stars out of 5
$1,769
$385
3.9
Rating: 3.9 stars out of 5
$3,118
$608
3.8
Rating: 3.8 stars out of 5
$3,158
$769
3.8
Rating: 3.8 stars out of 5
$1,845
$557

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$125/mo

Avg. full coverage premium

$1,505/yr

Customer satisfaction

890/1,000

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$147/mo

Avg. full coverage premium

$1,769/yr

Customer satisfaction

829/1,000

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$260/mo

Avg. full coverage premium

$3,118/yr

Customer satisfaction

806/1,000

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$263/mo

Avg. full coverage premium

$3,158/yr

Customer satisfaction

819/1,000

Shelter

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$154/mo

Avg. full coverage premium

$1,845/yr

Customer satisfaction

851/1,000

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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. 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.

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Why you can trust Bankrate

Read our full methodology

To help Kansas drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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Insurance Disclosure

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.

How to find the best car insurance in Kansas

Finding the best auto 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.

Related content:

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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.

How much is car insurance in Kansas?

The average cost of car insurance in Kansas is $2,630 per year for full coverage and $631 per year for minimum coverage. Kansas drivers tend to pay more than the national annual average, which is $2,545 for full coverage and $741 for minimum coverage. In neighboring Nebraska, car insurance is cheaper, with full coverage costing an average of $1,994 per year and minimum coverage costing an average of $516 per year. In Oklahoma, full coverage is also slightly cheaper at $2,560 per year, and minimum coverage costs $510 per year.

Kansas’ low average minimum coverage 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.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Kansas

Average Kansas rates may give you an idea of what you should be paying for coverage, but comparing personalized quotes is the most accurate way to estimate your cost of insurance based on your circumstances. Get started with personalized rates using the tool below.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance