The Best Kansas Auto Insurance Companies
Kansas’s auto insurance rates are on the low side — on average $863 per year, compared to the nationwide average of $1,009. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Kansas auto insurance rates are relatively low, compared to the national average — and that’s saying something, considering the amount of insurance Kansas drivers are legally required to purchase.
Since you’re responsible for carrying liability coverage, personal injury protection coverage, and underinsured/uninsured motorist coverage — in addition to any other coverages you may wish to add to your policy, such as collision or comprehensive coverage — you’re going to want to make sure you’re signed up with the best auto insurance in Kansas. In your case, that means the most coverage you can afford at the most affordable price.
We’ve done the work of evaluating Kansas’s largest insurance providers; now it’s time to compare each of their offerings and decide which might be the best insurance provider for you.
Kansas Minimum Liability
Here’s the minimum amount of insurance you need to drive in Kansas:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
Personal injury protection (PIP or No Fault)
- $4,500 medical expenses coverage per person
- $900/month disability/loss of income coverage (for one year)
- $25/day in-home services coverage
- $2,000 funeral, burial, or cremation expense coverage
- $4,500 rehabilitation expense coverage
Uninsured/underinsured motorist coverage
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
Kansas requires a lot of insurance coverage — that’s why it’s extra important to shop around and get quotes from multiple insurers. You want the best insurance package you can get, especially if you go above and beyond the minimum insurance requirements. We recommend purchasing as much insurance as you can afford because if you get into an accident that causes damages in excess of, say, $25,000 per person, the injured party could sue you to make up the difference.
How We Found the Best Auto Insurance in Kansas
We evaluated the five largest insurance providers in Kansas using the same methodology we developed for our nationwide auto insurance review. First, we checked each provider’s financial stability rating with A.M. Best, to determine whether they had enough financial resources to pay off their customers’ claims. Then we looked at consumer reviews from JD Power and Consumer Reports to determine whether those customers were happy with their insurers, both in terms of overall experience and claims process. We also spent time digging into each insurer’s coverage options, as well as the number and type of discounts each offer. Plus, we looked for anything that made each insurer unique.
Once we collected all the data, we ranked the top five insurers in order of recommendation. However, we also recommend getting quotes from multiple insurers. After all, we’ve only identified which insurer we think is best overall — not which insurer might be best for you.
Kansas Auto Insurance Reviews
State Farm received the highest possible financial stability rating from A.M. Best: an A++, which indicates a superior level of financial stability. Consumer Reports gave State Farm a Very Good for claims process and an Excellent for claims payment speed, and JD Power gave State Farm 3 out of 5 points for both overall experience and claims experience. Plus, State Farm received an honorable mention in our nationwide auto insurance review.
If you’re thinking about choosing State Farm as your provider, you’re going to get access to what you might consider the standard suite of insurance coverage options: liability, collision, comprehensive, etc. State Farm doesn’t offer some of the more specialized coverages, such as glass repair coverage, but those are also the kinds of coverages that can add to your premium. It’s up to you to find the balance between coverage and cost.
State Farm does offer rideshare coverage for Uber and Lyft drivers. Personal auto insurance policies don’t protect you when you use your car for commercial purposes, but rideshare coverage solves this problem by extending your coverage to include the driving you do for Lyft and Uber. That’s one coverage option you don’t want to turn down!
State Farm also offers the standard suite of discounts. You can save money if you open more than one policy with State Farm, or if you insure more than one car. You can also save money if your car has safety features such as airbags, or if you enroll in safe driving programs.
If you want to save even more money with State Farm, sign up for Drive Safe & Save. This app tracks your driving in real time and can give you up to a 50% discount on your premium if you practice safe driving habits.
Progressive’s financial stability rating is slightly lower than State Farm’s; A.M. Best gave Progressive an A+, which isn’t quite as good as an A++ but is still an excellent rating. On the customer service end, Progressive received the same rankings as State Farm: Consumer Reports gave Progressive a Very Good for claims process and an Excellent for speedy claims payment, and JD Power handed out 3 out of 5 points for overall experience and claims experience. Progressive also got an honorable mention in our nationwide auto insurance review.
You’ll get a few more coverage options with Progressive than you will with State Farm. If you sign up for Progressive’s collision insurance, for example, you’ll get pet injury insurance bundled into the package. Progressive also offers gap loan/lease payoff insurance, which helps pay off the balance on your car loan if your car is totaled in an accident.
You won’t get as many discount options with Progressive, however — and some of Progressive’s discounts, such as the homeowner discount or the teen driver discount, won’t apply to everybody. If you decide you’re interested in learning more about Progressive, you can get a discount for starting the quote process online.
Like State Farm, Progressive offers an app that tracks your driving in real time. There are two big differences between State Farm’s Drive Safe & Save and Progressive’s Snapshot, though: With Snapshot, you only get a limited amount of time to prove your driving skills before your discount is calculated — and if you engage in risky driving behaviors, your premium could actually go up!
American Family Insurance
American Family Insurance received an A rating from A.M. Best — still good, but not as good as an A+ or A++. Consumer Reports awarded American Family Insurance a Very Good for claims process and an Excellent for speedy claims payment, and JD Power gave out 4 points for overall experience and 3 points for claims experience.
American Family Insurance’s coverage options are roughly on par with Progressive’s; both offer the standard suite of coverages as well as gap loan/lease payoff coverage, and although American Family Insurance doesn’t offer pet injury coverage, it does offer accidental death and dismemberment coverage.
Where American Family Insurance really stands out is in its discounts. In addition to the typical discount options, you’ll also get a discount if you’re under 25 and a volunteer, and a discount if you’re over 55 and complete a defensive driving course. You’ll get a Steer Into Savings discount if you leave a competing insurance company to sign up with American Family Insurance, and you’ll get a Loyalty discount if you stick with American Family Insurance for an extended period of time.
American Family Insurance offers more discounts than any other provider on our list, and you can get one more discount if you sign up for KnowYourDrive. Like State Farm’s Drive Safe & Save and Progressive’s Snapshot, KnowYourDrive tracks your driving and can earn you up to 40% off your premium if you prove to be a safe driver — and unlike Snapshot, your premium won’t go up if you turn out to be a less-than-safe driver.
Farm Bureau received an A financial stability rating from A.M. Best, a Very Good in both claims process and claims payment speed from Consumer Reports, and 4 points in overall experience and 3 points in claims experience from JD Power.
Like State Farm, you’re only going to get the standard set of coverage options with Farm Bureau — and you’ll get even fewer discounts. Farm Bureau only offers six discount options, and two of them are for young drivers (the Good Student discount and the Safe Young Driver discount).
You can earn one more discount if you sign up for Driveology, which is — you guessed it — another program that tracks your driving in real time. You can save up to 30 percent on your premium for exhibiting safe driving habits.
Farm Bureau also gives you the option to combine your home and car insurance into a single policy with a single deductible. The Farm Bureau Member’s Choice policy means only having to make one insurance payment every month — more importantly, it means that if a fire or a storm damages both your home and your car, you only have to pay one deductible before you can start collecting money on your claims.
Farmers Insurance received an A rating from A.M. Best; Consumer Reports gave Farmers a Very Good for both claims process and claims payment speed, and JD Power gave Farmers 3 out of 5 points for both overall experience and claims experience.
Farmers Insurance offers the most coverage options of any of our top providers. Accident forgiveness coverage and incident forgiveness coverage protect you from rate increases after an accident or driving citation; equipment coverage protects any items you customized, such as your stereo. Farmers also offers rideshare coverage for Uber and Lyft drivers.
All of these coverages could save you money — but they’ll also add to your premium. Luckily, Farmers offers plenty of discounts. You can get a discount if you transfer to Farmers from another insurer, and you can get a discount if you pay your premium in full. There are discounts for teens, drivers under 25, good students, and homeowners. You can even get a discount if you’re associated with an approved business or professional group, but you’ll have to contact Farmers directly to see if you qualify.
You aren’t going to get a discount for good driving habits, though. Farmers does have a drive-tracking app called Signal, but it isn’t currently available for Kansas residents.
Is it better to fix an old car or buy a new one?
Hoping to trade in your ailing car for a newer model? You might want to do the math. The cost of repairing an old car might be less expensive than buying a new one, especially if your old car is already paid off. Plus, your insurance will likely go up. Insuring a new car means paying a higher premium, even when you get a new car discount.
Why are new cars more expensive to insure? Because they’re worth more than old cars, which means if you get into an accident, insurance companies will have to pay out higher claims. So think about whether you want to start paying higher premiums along with your new car loan — or whether it would be better to just take your old car to the shop.
What happens if you get into an accident while driving a rental car?
The St. Louis Record recently shared the story of a man who rented a car in Kansas and then hit a pedestrian in Missouri. Although the man had purchased liability insurance in the amount of $100,000 per person and $500,000 per accident — well above the state’s minimum requirements — the pedestrian’s damages exceeded those amounts and the pedestrian requested that both the driver and the rental car company’s insurance provider make up the difference.
This turned into a two-year legal battle, since Missouri law states that rental car companies (and their insurers) can be required to pay damages in this situation, but Kansas law states that rental car companies are not responsible for providing insurance to drivers if the drivers already have auto insurance. In the end Kansas law prevailed, and the rental company was ruled not responsible for any damages.
There are two lessons to take from this story. First, you can’t rely on your rental car company to provide additional insurance in the case of an accident unless you specifically purchase additional insurance from them. Second — and more importantly — accidents can be very expensive and you should try to purchase as much liability insurance as you can afford.