The Best Kansas Auto Insurance Companies
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. Kansans are 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, like collision or comprehensive coverage.
How We Found the Best Kansas Auto Insurance Companies
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 J.D. 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 available.
The 6 Best Auto Insurance Companies in Kansas
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, while J.D. Power ranked them 3/5 for both overall experience and claims experience.
State Farm also offers an impressive 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 if your car has safety features such as airbags, or if you enroll in safe driving programs. One of our favorite features is the Drive Safe & Save program. Through an app on your phone or a small device in your car, State Farm tracks your driving in real time and can give you up to a 50% discount on your premium if you demonstrate safe driving habits.
Progressive financial stability rating is solid, earning an A+ from A.M. Best, slightly lower than State Farm’s A++. On the customer service end, Progressive received the same rankings as State Farm: Consumer Reports gave it a “Very Good” for claims process and an “Excellent” for speedy claims payment, while J.D. Power awarded Progressive 3/5 for overall experience and claims experience.
You’ll also get a few nice coverage options with Progressive that you won’t find 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 and some of Progressive’s discounts, such as the homeowner discount or the teen driver discount, won’t apply to everybody. Like State Farm, Progressive also 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 a slightly less impressive A rating from A.M. Best — below both Progressive and State Farm. Consumer Reports awarded American Family Insurance a “Very Good” for claims process and an “Excellent” for speedy claims payment, and J.D. Power awarded it 4/5 for overall experience and 3/5 for claims experience.
Where American Family Insurance really stands out is with its unique discounts. In addition to the typical options, you’ll also get a discount if you’re under 25 and a volunteer, or if you’re over 55 and complete a defensive driving course. You’ll also get a discount if you leave a competing insurance company to sign up with American Family Insurance, and another one if you stick with them 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 make a few too many hard stops.
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 4/5 in overall experience and 3/5 in claims experience from J.D. 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% 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 J.D. Power gave it 3/5 for both overall experience and claims experience.
Farmers Insurance offers the most coverage options of any of our top providers. Accident forgiveness and incident forgiveness coverages protect you from rate increases after an accident or driving citation, while equipment coverage protects any items you’ve 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 another one 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. Farmers also has a drive-tracking app called Signal, which reduces your bill for good driving behaviors.
USAA’s insurance services are strictly for military personnel and their immediate family, and thus aren’t as widely available as our other top picks. However, USAA is among the best insurance providers in the industry, and they are known for their friendly customer service and quick methods of settling claims, earning a rating of an A++ by A.M.’s Financial Strength Rating and 5/5 stars (903/1,000) by J.D. Power’s Auto Claims Satisfaction study.
USAA’s only major downfall is that their services are not available to everyone, only people with military affiliations: current military members, including active duty, Guard, Reserve, and Officer candidates (ROTS, OTS/OCS, and Academy), military vets and retirees who have served honorably, spouses of current former service members, and children of USAA members.
Guide to Kansas Auto Insurance
Make sure you meet Kansas’s minimum requirements
Kansas requires a lot of insurance coverage, which is why it’s extra important to discounts available. 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. 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
Auto insurance quotes are highly personal. Everything from your driving history to your home address has a big impact on your premiums. Each car insurance company emphasizes those factors differently in their risk evaluations, so you’ll never know which one’s the cheapest for you until you plug in your information. Fortunately, this is a pretty painless process — all five of our top picks let you get a quote online, and they only take about five minutes each.
If you’ve been turned down, look into KAIP
If you have a less-than-stellar driving history, you might have trouble finding a company that’s willing to insure you. You should talk to agents at every available company first, but if you’re out of options, the Kansas Auto Insurance Plan (KAIP) is one way to stay street legal. Once you’re in the program, you’ll be randomly assigned an insurer based on their market share in Kansas. For example, because State Farm covers about 10% of drivers in Kansas, they also cover 10% in the KAIP. Your premiums will likely be higher than if you were accepted by a provider upfront, but you’re guaranteed coverage for three full years.
Kansas Auto Insurance FAQ
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 at the top of the page to find your best rates.
Kansasinsurance.org says there are basically two components that go into determining what you pay for auto insurance: Underwriting and Rating.
Underwriting is when an insurance company considers varying factors to decide if they will offer you coverage and for how much. During this underwriting process your driving record, driving habits, where you live, your car make and model, how much you drive, your age, and sex all factor into the potential price of your personalized protection plan.
After the underwriting is calculated, the insurer will place you into one of three distinctions of drivers (preferred, standard, non-standard). Insurers prefer low risks, therefore drivers who present less of a risk than others will be offered the lowest rates, and drivers who present a high risk are offered the higher rates for coverage.
Preferred: Cleanest, lowest risk drivers– clean records, clean history (over the last 3-5 years)
Standard: drivers who present a moderate risk– higher rates than preferred.
Non-standard: drivers who companies consider high risk– highest cost.
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.
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.
Perhaps, yes. Insurers have the right to consider the driving history of all licensed drivers in the household, however, each company will address the situation differently based on their own underwriting and guidelines.