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 Younger Drivers
- 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* | 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 | $2,295.75 | 4 | A+ | 832/1,000 | |
| Pin American Family | $759.79 | $1,620.06 | 4.4 | A | 814/1,000 | |
| Pin Farmers | $580.81 | $2,172.15 | 4.4 | B++ | 827/1,000 | |
| Pin Shelter | $1,167.93 | $3,004.14 | 4.2 | A | NR | |
| Pin State Farm | $709.32 | $1,957.85 | 4.8 | A++ | 849/1,000 |
Information accurate as of: January 2021
* Data provided by Coverage.com
** Based on J.D. Power’s 2020 Auto Insurance Satisfaction Study for the Central region
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.
Further Reading on Allstate
American Family
Best for Younger Drivers
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
*Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.
Further Reading on American Family
- American Family homeowners insurance review
- American Family renters insurance review
- American Family auto insurance review
Farmers
Best for Discounts
Why we chose it
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
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
*Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.
Further Reading on Farmers
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.
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
- Higher rates for minimum insurance coverage
- 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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.
Further Reading on State Farm
- State Farm homeowners insurance review
- State Farm renters insurance review
- State Farm auto insurance review
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
| Company | Average 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
| Company | Average 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
| City | Average 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
| City | Average 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.
