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
- Allstate: Best Coverage Options
- American Family: Best for Young Driver Savings
- Farmers: Best for Discounts
- Shelter: Best for Financial Protection
- State Farm: Best for Cheap Full Coverage
Compare the Best Car Insurance Companies in Kansas
| Average Price for State Minimum* | Average Price for Full Coverage* | 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 | $476 | $1,792 | A+ | 825 | |
| Pin American Family | $531 | $1,858 | A | 839 | |
| Pin Farmers | $362 | $1,335 | A | 848 | |
| Pin Shelter | $658 | $2,347 | A | 856 | |
| Pin State Farm | $335 | $1,280 | A++ | 847 |
Information accurate as of July 2021
* Data provided by Bankrate.com
** J.D. Power’s 2021 Auto Insurance Satisfaction Study rating for the Central region. Based on a 1,000-point scale.
Allstate
Best Coverage Options
Why we chose it
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
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
Best for Young Driver Savings
Why we chose it
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
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
Best for Discounts
Why we chose it
Pros
- Low average premium
- 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
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
Best for Financial Protection
Why we chose it
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
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
Best for Cheapest Full Coverage
Why we chose it
Pros
- Affordable full coverage
- Full-featured website and mobile app
- Solid financial strength
Cons
- Customer ratings are only about average
- Coverage options are not as innovative as other carriers
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 Bankrate.com.
**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. Bankrate.com’s 2021 findings on the average cost of car insurance place Kansas in the middle. The average cost of car insurance in Kansas is $1,698 per year for full coverage and $410 per year 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
| Company | Average Annual Full Coverage Premium* |
| QBE | $1,208 |
| USAA | $1,225 |
| State Farm | $1,280 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Kansas
| Company | Average Annual Full Coverage Premium* |
| Electric Insurance Company | $2,891 |
| Shelter | $2,347 |
| Sentry | $2,322 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Kansas
| City | Average Annual Full Coverage Premium* |
| Gardner | $1,475 |
| Edgerton | $1,485 |
| Eudora | $1,486 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Kansas
| City | Average Annual Full Coverage Premium* |
| Garden City | $1,928 |
| Liberal | $1,922 |
| Tyro | $1,921 |
* Data provided by Bankrate.com
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 reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Kansas, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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 coverage that meets 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.
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.
