Auto Insurance in Kansas
Kansas’ auto insurance rates are on the low side — on average $1,270 per year, compared to the nationwide average of $1,669. 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 is a largely rural state, but it has some cities with populations over 100,000. Its location in Tornado Alley puts vehicle owners at high risk of property damage, especially during spring and early summer months. The state has frequent thunderstorms that can be accompanied by hail, and flash flooding and high wind are also common causes of vehicle damage.
Kansas Minimum Liability
The state minimum liability coverage ($25,000 per person and $50,000 per accident for bodily damage claims) falls well below the recommended minimum coverage of $50,000 per person and $100,000 per accident, also known as 50/100. Even if the minimum coverage for Kansas matched the recommended minimum, many drivers would find they are not properly protected.
In 2013, the average bodily injury claim was $15,443, and the average claim for property damage was $3,231. The minimum in Kansas can cover this, but it’s important to recognize that half of these claims exceed the average. Once expenses reach your policy’s coverage level, you have to pay out of your own pocket. Drivers who can afford higher premiums should consider getting 100/300 coverage. This level helps protect drivers against larger claims.
You should get quotes from several auto insurance companies so you can compare them and choose the one that gives you the best coverage at an affordable price. Since insurance companies view driver profiles differently, you may find that some companies are significantly cheaper than others. Getting quotes takes time, but the potential savings make the effort worth it.
Cheapest Car Insurance in Kansas
- $1,181State Farm
- $1,070American Family
- $1,312Farm Bureau Mutual
If you’re most concerned about how much your auto insurance policy costs, make sure you get quotes from the these companies. During our research, we found that these offer the state’s most affordable options without sacrificing too much service.
There are some potential problems with choosing a low-cost insurance provider. Some low-rate insurers cut corners to keep prices cheap, meaning they might offer poor customer service or make it difficult for policyholders to get their claims reimbursed. Many of them are also national companies that feel less connected, personally, than local auto insurers.
Most Popular Companies by Marketshare
- State Farm
- American Family
- Farm Bureau Mutual
The companies listed here are the most popular car insurance providers in Kansas. Companies often become popular by dedicating a lot of money to advertising. A large advertising budget may make a company widely recognized, but it doesn’t necessarily mean that the company has great coverage options or affordable rates.
It’s a good idea to get quotes from these popular companies, but take the time to compare them to less popular insurance providers. You may find that this helps you get a better policy at a lower price.
Choosing the Best Car Insurance in Kansas
The companies listed here are some of the best auto insurance providers in Kansas. It’s important to choose a top-rated company that you will want to stay with for many years. Getting quotes from these companies is a good way to decide whether one of them matches your needs well.
We compare several factors when deciding which insurance companies are the best in Kansas. The top insurance providers have good customer services, fair premiums, extensive coverage options, opportunities for discounts, and fair claims processes. They also have solid financial standing, and most of them give clients access to real agents.
Where is car insurance most affordable?
For insurance rates, some cities in Connecticut are much cheaper than others.
Drivers in Kansas City tend to pay the state’s highest premiums while those in Lawrence enjoy premiums that are much cheaper than the state and national averages.
Unlike many states, in Kansas, a city’s size does not accurately predict whether residents pay higher or lower premiums.
Kansas City Auto Insurance
Kansas City’s population of 148,866 makes it the third-largest city in Kansas. Kansas City, Missouri, which is located just across the Missouri River, has a population about three times the size of the Kansas side. Kansas City has the state’s highest auto insurance premiums.
Lawrence Auto Insurance
Lawrence has a small population with 90,811 residents, but it is a popular destination for students attending the University of Kansas. The university was built on Mount Oread, a landmark used by settlers following the Oregon Trail between 1811 and 1869. Bus routes primarily serve the downtown and university areas and rarely extend into rural parts of the town.
Olathe Auto Insurance
Olathe’s population of 131,885 makes it one of the larger cities in Kansas. It’s located just to the southwest of Overland Park, and its proximity to Kansas City makes it an important suburb for people who prefer living outside of the city center. Olathe’s auto insurance premiums are noticeably lower than the state and national averages. Residents who get quotes from several insurance providers, however, can choose the most affordable options without sacrificing the coverage they need.
Overland Park Auto Insurance
With a population of 181,260 people, Overland Park is the second-largest city in Kansas. It is located just to the south of Kansas City and is considered a suburb in the larger metropolitan area. Despite the city’s relatively large population, drivers pay well below the state and national averages for auto insurance.
Topeka Auto Insurance
Topeka, the state capital of Kansas, has a population of 127,377 people. Auto insurance premiums in Topeka are slightly lower than the state and national averages. Topeka has several tourist attractions that bring thousands of people to the city each year, including the Brown v. Board of Education National Historic Site, Kansas Children’s Discovery Center, and the Combat Air Museum.
Wichita Auto Insurance
With 386,552 residents, Wichita is by far the largest city in Kansas. It also has the state’s highest auto insurance premiums, which are also slightly higher than the national average. While Wichita has a large public transit system, few residents use it regularly. Some estimates show that only 0.5% of the city’s residents use public transit to commute to and from work. The higher auto insurance premiums make it especially important for Wichita drivers to compare several quotes before buying policies.
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