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The Best Auto Insurance Companies in Kansas

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    Although most car insurance companies offer coverage nationwide, the type of policy you need may be different from one state to another. Kansas is one of the few no-fault states, so the best car insurance in Kansas includes liability and Personal Injury Protection (PIP). After examining over a dozen providers, here is our round-up of the best car insurance companies in Kansas. The winners have high customer reviews, affordable insurance rates, a variety of coverage options and other factors you’ll need to compare and find the best auto insurance in Kansas. 

    The 5 Best Auto Insurance Companies in Kansas

    Compare the Best Car Insurance Companies in Kansas

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Allstate$805.89$2,295.754A+825
    Pin American Family$759.79$1,620.064.6A839
    Pin Farmers$580.81$2,172.154.8A848
    Pin Shelter$1,167.93$3,004.144A856
    Pin State Farm$709.32$1,957.854.8A++847

    Information accurate as of July 2021
    * Data provided by Coverage.com
    ** J.D. Power’s 2021 Auto Insurance Satisfaction Study rating for the Central region. Based on a 1,000-point scale.

    Allstate

    Allstate

    Best Coverage Options

    Allstate offers over a dozen coverage options for all types of drivers, making it one of the best car insurance companies in Kansas.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $805.89* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate offers over a dozen coverage options for all types of drivers, making it one of the best car insurance companies in Kansas.

    Pros

    • High-coverage options
    • Claims-satisfaction guarantee
    • Discounts based on driving habits

    Cons

    • Below-average customer satisfaction
    • Higher average premiums
    • Rideshare coverage only pays up to $2,500 in damages to your vehicle
    Read More

    Types of Coverage Offered

    • Classic cars
    • Collision
    • Comprehensive 
    • Mexico travel insurance
    • PIP
    • Rideshare
    • Sound system insurance
    • Umbrella insurance
    • Uninsured and underinsured motorist coverage

    Discounts Available

    • Anti-lock brakes
    • Anti-theft devices
    • Automatic payments
    • Multi-policy
    • New car
    • Paperless
    • Pay-in-full
    • Responsible payer
    • Safe driver
    • Smart student

    More Allstate Insurance Reviews

    American Family

    American Family

    Best for Younger Drivers

    The best auto insurance in Kansas for younger and teen drivers, featuring discounts for teen drivers and an intuitive mobile app.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $759.79* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 839** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    The best auto insurance in Kansas for younger and teen drivers, featuring discounts for teen drivers and an intuitive mobile app.

    Pros

    • Discounts for students and young volunteers
    • Website and mobile app functions including live chat and claim filing
    • Optional gap coverage for newer vehicles

    Cons

    • Smaller insurance carrier
    • Receiving a response after filing a claim takes one to two business days
    • Coverage may be canceled after a DUI
    Read More

    Types of Coverage Offered

    • Accidental death and dismemberment
    • Full coverage
    • Gap
    • Property damage
    • Rideshare
    • Roadside assistance

    Discounts Available

    • Accident-free
    • Auto safety equipment
    • Good student
    • Low mileage
    • Multi-line
    • Steer Into Savings
    • Student away at school
    • Teen safe driver 

    More American Family Insurance Reviews

    Farmers

    Farmers Insurance

    Best for Discounts

    For the maximum savings on your auto insurance, take advantage of as many of Farmers’ discounts as you qualify for.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $580.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 827** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    For the maximum savings on your auto insurance, take advantage of as many of Farmers’ discounts as you qualify for.

    Pros

    • Lowest average premium for basic coverage
    • Collectible car coverage
    • Custom equipment coverage
    • Traffic ticket forgiveness

    Cons

    • Lower financial stability rating than the other best car insurance companies in Kansas
    • Full coverage pricing isn’t as competitive
    • Six-month policy terms expose you to premium increases more often
    Read More

    Types of Coverage Offered

    • Accident forgiveness
    • Collision and comprehensive
    • Customized equipment
    • Full windshield and glass
    • Guaranteed value for car collectors
    • Original factory parts replacement

    Discounts Available

    • Accident-free
    • Anti-theft
    • Defensive driving course
    • Good driver
    • Good student
    • Occupational
    • Signal app
    • Student away at school

    More Farmers Insurance Reviews

    Shelter Insurance

    Shelter Mutual Insurance

    Best for Financial Protection

    Shelter’s car insurance provides an extra layer of financial protection by offering disability and accidental death coverage.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,167.93* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Shelter’s car insurance provides an extra layer of financial protection by offering disability and accidental death coverage.

    Pros

    • Disability income coverage pays you weekly for up to a year if you’re injured in a crash and can’t work
    • Rates reduced due to the pandemic
    • A smaller insurance carrier with personalized customer service
    • Insured household members qualify for extra discounts

    Cons

    • Little customer satisfaction data available
    • Doesn’t have the variety of discounts and coverage of other insurers
    • Customer service is only available six days per week
    Read More

    Types of Coverage Offered

    • Accidental death
    • Disability income
    • Gap/loss of use
    • New car replacement
    • Personal injury protection
    • Roadside assistance

    Discounts Available

    • Accident prevention course
    • Companion life insurance
    • Companion policy 
    • Good student
    • Multi-car
    • Multi-line
    • Paid in full
    • Safe driver discounts

    State Farm

    State Farm

    Best for Cheapest Full Coverage

    If you’re in search of full auto insurance in Kansas, State Farm has the cheapest average premium at $2,035.79 per year.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $709.32* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 847** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    If you’re in search of full auto insurance in Kansas, State Farm has the cheapest average premium at $2,035.79 per year.

    Pros

    • Affordable full coverage
    • Full-featured website and mobile app
    • Solid financial strength

    Cons

    • Higher rates for minimum insurance coverage
    • Customer ratings are only about average
    • Coverage options are not as innovative as other carriers
    Read More

    Types of Coverage Offered

    • Bodily injury
    • Collision and comprehensive
    • Property damage
    • Rental car and travel expenses
    • Rideshare
    • Roadside assistance

    Discounts Available

    • Accident-free
    • Anti-theft device
    • Drive Safe & Save app
    • Driving training
    • Good driver
    • Passive restraint
    • Student away at school

    More State Farm Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.
    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Kansas

    There are personal factors that could affect your premiums, such as credit score, age, and claims history. Coverage.com’s findings on the average cost of car insurance place Kansas in the middle. The best Kansas auto insurance averages $1,567 for full coverage and $468 for minimum coverage. Many no-fault states have skyrocketing insurance premiums. However, Kansas is about average when it comes to auto insurance nationwide, possibly because of the high number of rural vehicle owners.

    Top 3 Cheapest Car Insurance Companies in Kansas

    CompanyAverage Annual Premium (Minimum Coverage)
    Farmers$580.81
    USAA$612.97
    Auto Owners$631.37

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Kansas

    CompanyAverage Annual Premium (Minimum Coverage)
    Shelter$1,167.93
    Dairyland$1,068.14
    Allstate$805.89

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Kansas

    CityAverage Annual Premium*
    McPherson$597.48
    Abilene $597.69
    Pratt$601.94

    *Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Kansas

    CityAverage Annual Premium*
    Kansas City$852.83
    Wichita$826.88
    Prairie Village$817.12

    *Data provided by Coverage.com, price based on the state minimum required policy.

    What You Need to Know About Kansas Car Insurance 

    Kansas is a no-fault state, meaning each driver will need to file an accident claim with their own carrier instead of going after the insurance of the driver at fault. Nevertheless, auto insurance in Kansas is relatively affordable.

    • Kansas has an overall crash rate of 2.02% per million of vehicles
    • The second largest cause of crashes in Kansas are animals, at 12%
    • 84% of accidents in Kansas occur in good weather conditions

    Additional Car Insurance Coverage in Kansas

    Rural roads and foul weather including snow, ice, and tornadoes can cause damage to your vehicle that is not covered through liability insurance. You may want to add additional coverage for such unexpected hazards, such as:

    • Comprehensive: Pays for damages to your vehicle from fires, theft and storms.
    • Collision: Pays for repairs if you hit an animal while driving.

    Kansas Minimum Car Insurance Requirements

    Each state has its own requirements for how much insurance you should have to legally drive. Kansas has more requirements than many states.

    Here are the minimum car insurance requirements for Kansas drivers: 

    • Liability coverage
      • $25,000 per person for bodily injury
      • $50,000 per accident for bodily injury
      • $25,000 per accident for property damage
    • Personal injury protection (PIP or No-Fault)
      • $4,500 per person for medical expenses
      • $900 per month for one year for disability/loss of income
      • $25 per day for in-home services
      • $2,000 for funeral, burial or cremation expense
      • $4,500 for rehabilitation expense
    • Survivor Benefits: Disability/loss of income up to $900 per month for one year
      • In-home services up to $25 per day for one year
    • Uninsured/Underinsured coverage
      • $25,000 per person
      • $50,000 per accident

    Kansas’s No-Fault Law

    As mentioned, Kansas is a no-fault state. If you’re involved in an accident, you’re required to turn to your own insurance for reimbursement — even if you didn’t cause the accident. Therefore, you’ll need more coverage than at-fault states, such as PIP, survivor benefits, and uninsured motorist coverage. Fortunately, the best car insurance companies in Kansas know what the state requirements are to make sure you’re legally covered on the road. 

    Kansas Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Kansas, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Kansas, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.