Best car insurance in Kansas for 2022
Kansas has more than two million licensed drivers. Every driver who owns a registered vehicle in the state is legally required to carry car insurance. The average cost of car insurance in Kansas is $1,698 per year for a full coverage policy and $142 per year for a minimum coverage policy, according to Bankrate’s 2021 study of quoted annual premiums.
Drivers in Kansas have a number of options when it comes to car insurance. However, not all providers are created equal. We did some research to identify the best car insurance companies in Kansas and looked at a few ways to get a lower rate.
Best car insurance companies in Kansas
To identify the best auto insurance companies, we examined each provider’s J.D. Power overall customer satisfaction rating, coverage options, benefit to Kansas residents, market share, unique perks and discounts.
|Car insurance company||Average annual full coverage premium||J.D. Power customer satisfaction score|
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, J.D. Power rates it at 826/1,000, which is slightly below average.
Learn more: Allstate Insurance review
Nationwide has semi-affordable insurance rates for people across many demographics in Kansas. Although it is not the cheapest car insurance company in Kansas, it offers several types of coverage and discounts like savings for good drivers and good students.
Learn more: Nationwide Insurance review
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.
Learn more: State Farm Insurance review
Shelter got the highest score from J.D. Power on our list, making it one of the best insurance companies in Kansas. Shelter has many coverage options, including farm insurance. However, full coverage is quite expensive at $2,410 annually.
Learn more: Shelter Insurance review
Average cost of car insurance in Kansas
The average cost of car insurance in Kansas is more expensive than the average annual rate in the United States. For comparison, the national average premium is $1,674 for a full coverage policy. The table below includes the average rates in Kansas:
|Average annual premium for minimum coverage in Kansas||Average annual premium for full coverage in Kansas|
State minimum insurance requirements in Kansas
Every state has different car insurance rates which are impacted by the minimum amount of coverage that drivers are required to have. Kansas requires each driver to carry a policy that includes 25/50/25 liability insurance and personal injury protection. Here is a breakdown of the coverage requirements:
- 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
Getting the best car insurance is dependent on your personal coverage needs and budget. The best car insurance for you may not be the best choice for your neighbor. 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: Every driver has different insurance needs. For example, if you have teen drivers on your policy or you just purchased a new vehicle, you might want a higher amount of coverage. On the other hand, you may need less coverage if you drive a much older vehicle or can afford to pay for repairs out-of-pocket.
- Consider state factors: Drivers in Kansas need to have protection against common claims in the state, such as weather risks. For instance, having comprehensive insurance is important to protect your vehicle against wildfire or tornado damage. You might also want to purchase gap insurance if you lease or finance your vehicle.
Car insurance discounts in Kansas
One of the best ways to get cheap car insurance in Kansas is to look for insurance providers that offer discounts. Most car insurance companies in the state have discounts that can help you save money on your premium. Here are some of the most popular discounts:
- Good student discount: Students who maintain a minimum GPA in school can often get a discount on their policy. This usually applies to high school and college students.
- Accident-free discount: If you have no recent accidents on your record, many insurance companies will lower your rate. This also goes for traffic violations like speeding tickets.
- Policy bundling discount: If you bundle your auto and home insurance policy with the same company, you can usually save money. Some insurance companies also offer policy bundling deals with auto and renters, condo or life insurance.
- Pay in full discount: Drivers who can afford to pay their annual premium upfront and in full usually get a small discount on their policy. You might even get a discount for paying bi-annually or quarterly, rather than monthly.
While many car insurance companies offer discounts, the exact savings will vary. For example, State Farm’s policy bundling discount claims you can save up to 17%, whereas Allstate’s policy bundling discount has savings of up to 25%. In addition to these discounts, Kansas drivers can also get a lower rate by improving their credit score and raising their deductible.
Frequently asked questions
What information is required to get car insurance in Kansas?
You willcneed 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 (such as 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.
Bankrate utilizes Quadrant Information Services to analyze 2021 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 base profile drivers own a 2019 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.