Looking for the best auto insurance in Kansas? There are a few things you should know about the state’s minimum requirements and average premiums. We’ll review these factors as well as introduce you to our top recommended Arkansas insurance providers.
Our review team has taken a close look at the best car insurance companies in the country, comparing costs, customer reviews, and coverage. In this article, we take another look at these providers, taking into account Kansas requirements and seeing what customers in the region have to say.
To start comparing your car insurance cost options immediately, use the free quote tool below.
In this article:
- 5 Best Auto Insurance Companies In Kansas
- Kansas Car Insurance Requirements
- Cost Of Auto Insurance In Kansas
- What To Know About Driving In Kansas
- Final Thoughts
- FAQ: Auto Insurance In Kansas
5 Best Auto Insurance Companies In Kansas
Cost is certainly an important factor for drivers looking for Kansas auto insurance, and the recommended providers below offer some of the lowest rates in the state. But cost isn’t the only important thing to consider when shopping for quality auto insurance.
In determining the best providers in the state, we also considered coverage offerings and customer service. Each of our recommended insurers excels in these areas as well, and many of them scored highly on the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM for the Central region (which includes Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota).
| Best Auto Insurance In Kansas | Motor1 Rating | Customer Service | Affordability | Coverage |
|---|---|---|---|---|
| 1. USAA Car Insurance | 5.0 | 5.0 | 4.5 | 4.5 |
| 2. Auto-Owners Insurance | 4.0 | 4.0 | 4.0 | 4.0 |
| 3. Geico Car Insurance | 4.5 | 4.0 | 4.0 | 4.0 |
| 4. Shelter Mutual Insurance | 4.0 | 4.0 | 4.0 | 4.0 |
| 5. Travelers Auto Insurance | 4.0 | 3.5 | 3.5 | 4.5 |
*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Kansas.
#1 USAA: Best For Military
In the 2020 J.D. Power Satisfaction Study, USAA earned the most points of any insurer in the Central region. It scored a total of 905 out of 1,000 possible points, placing it well above the regional average of 843. However, because it is not available to all drivers in the state, USAA was not eligible for formal ranking. USAA policies are only available to military members and people with a parent or spouse who is a USAA member.
If you are eligible for USAA insurance, we highly recommend getting a quote. The company offers full-coverage policies at what many drivers find to be the lowest rates. USAA customers can also save through USAA’s many discount opportunities, which include:
- Military installation: Gives drivers up to 15 percent off if their vehicle is garaged on a military base
- Annual mileage: Drivers over 19 years of age can receive a discount for driving fewer miles per year
- Premier driver: Gives a discount to drivers with clean driving records
- Defensive driving course: Gives a premium reduction to drivers who take a defensive driving class
- Driver training course: Gives a discount to drivers under the age of 21 that take a driver training course
- Good student discount: For full-time students with a GPA of at least 3.0
- New vehicle discount: For vehicles fewer than three years old
- Automatic payment discount: Gives up to three percent off to drivers who schedule automatic payments
- Family discount: Gives a discount for insuring multiple family members through USAA
Certainly give USAA a look if you are eligible for a policy. It may offer the lowest-cost auto insurance in Kansas and comes with excellent coverage and quality customer service.
| USAA Pros | USAA Cons |
|---|---|
| Affordable rates and numerous discounts | Only available for military members and their families |
| Good option for young drivers | |
| Superior financial strength rating and A- rating from the BBB |
If you want to learn more about the company, read our full USAA auto insurance review.
#2 Auto-Owners Insurance: Best Local Service
Auto-Owners Insurance scored 868 out of 1,000 possible points in the 2020 J.D. Power Satisfaction Study for the Central region. This made it the first-place provider for the region. While Auto-Owners Insurance is not available in every state, it is an option for Kansas drivers.
One reason that Auto-Owners may rate so highly is that all policies are handled through local agents. Potential customers are guided through the purchase process by a local agent knowledgeable in Kansas insurance requirements. The potential downside of this is that it may take longer to purchase a policy, and all quotes and claims must be handled through your agent.
Not only does Auto-Owners have high customer satisfaction scores, it also offers low rates. Based on our research, it is one of the lowest-cost providers of auto insurance in Kansas. Rates may be so low because of the many discount opportunities offered by Auto-Owners, which include:
- Multi-policy discount
- Payment history discount
- Pay-in-full discount
- Green discount
- Advance quote discount
- Multi-car discount
- Safety features discount
- Favorable loss history discount
- Good student discount
- Student away at school discount
- Teen driver monitoring
Auto-Owners Insurance has an A++ financial strength rating from AM Best, indicating a superior ability to pay out customer claims.
| Auto-Owners Insurance Pros | Auto-Owners Insurance Cons |
|---|---|
| Local licensed agents throughout Kansas | Have to contact an insurance agent to get a quote or file a claim |
| Helpful mobile app | |
| Excellent customer satisfaction reputation |
#3 Geico: Best Overall In The Nation
Geico has a good customer service reputation with an A+ rating and accreditation from the Better Business Bureau (BBB). Regional customer satisfaction ratings are high as well. Geico scored a total of 855 out of 1,000 possible points in the J.D. Power Satisfaction Study for the Central region, putting it in second place overall.
We think Geico is a particularly good option for Kansas drivers because of the many ways you can save on your auto policy. Some of these discounts include:
- Good student discount
- Good driver discount
- Defensive driver discount
- Safety feature discounts
- Anti-theft device discount
- Multiple policy discount
- Federal employee discount
- Military discount
| Geico Pros | Geico Cons |
|---|---|
| Superior financial strength rating and A+ rating from the BBB | Average quotes experience |
| Many choices for coverage | Usage-based app not available in all states |
| High level of customer satisfaction | |
| Available in 48 states |
You can find out more about Geico by reading our full Geico auto insurance review.
#4 Shelter Mutual Insurance: Superior Local Service
Headquartered in Columbia, Missouri, Shelter Mutual Insurance has been serving drivers in the American midwest for over 70 years.
We’ve rated Shelter as having superior local service for Kansas because of its high customer satisfaction score in the region. In addition to an A+ rating from the BBB, Shelter scored very highly in the 2020 J.D. Power Satisfaction Study. The insurer tied with Geico for the second-highest rated provider in the Central region, with a score of 855 out of 1,000 points.
In addition to the standard types of auto insurance, Shelter customers have the option to purchase:
- Roadside assistance
- Disability income coverage
- Loss of use coverage
- New car replacement
- Guaranteed asset protection (GAP)
- Rental reimbursement
Drivers in Kansas may find low rates through Shelter. Numerous discounts offered by the insurer can keep policy costs down. These include:
- Safe driver discount
- Multiple car discount
- Pay-in-full discount
- Accident prevention course discounts
- Driver’s education discount
- Good student discount
- Military discount
- Safety feature discount
If you’re trying to find car insurance in Kansas, Shelter is definitely one company worth looking into.
| Shelter Mutual Insurance Pros | Shelter Mutual Insurance Cons |
|---|---|
| A+ rating from the BBB and strong regional reputation | Not available in every state |
| Wide range of coverage options | |
| Many discount opportunities |
To read more about this provider, read our full Shelter Mutual insurance review.
#5 Travelers: Cheap Option For Auto Insurance In Kansas
Travelers may be a good option for Kansas drivers looking for the cheapest insurance. Many Kansas drivers find low rates with Travelers – in some cases, the lowest in the state. While the company has some mixed customer service reviews on its BBB profile, it has an overall BBB rating of A+, indicating that most customers are satisfied with Travelers’ service.
Travelers offers a large number of discount opportunities, including:
- Multi-policy discount
- Multi-car discount
- Homeownership discount
- Safe driver discount
- Continuous insurance discount
- Hybrid/electric vehicle discount
- New car discount
- Electronic funds transfer, paid-in-full, and good payer discounts
- Early quote discount
- Good student discount
- Student away at school discount
- Driver training discount
Travelers is highly recommended by industry experts and has an easy quotes process. There is no reason that those shopping for auto insurance in Kansas shouldn’t reach out for a quote.
| Travelers Pros | Travelers Cons |
|---|---|
| Superior financial strength rating and A+ rating from the BBB | Mixed customer satisfaction scores |
| New driver discounts and lengthy new car replacement coverage | |
| Available in 47 states | |
| Fairly easy quotes process |
Read more about this company in our full Travelers auto insurance review.
Kansas Car Insurance Requirements
Drivers in Kansas are required to maintain a 25/50/25 liability car insurance policy as well as personal injury protection and uninsured/underinsured motorist coverage. Kansas is a no-fault state, which means that regardless of who is at fault for an accident, drivers are required to file claims with their own insurance provider. This is why minimum car insurance requirements in Kansas are slightly higher than in other states, where only liability policies are required.
A full explanation of Kansas car insurance requirements is detailed below.
| Kansas Auto Insurance | Minimum Insurance Requirement |
|---|---|
| Liability Insurance | $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident |
| Uninsured/Underinsured Motorist Coverage | $25,000 per person $50,000 per accident |
| Personal Injury Protection | $4,500 per person for medical expenses $900 per month for one year of disability or loss of income $25 per day for in-home services $2,000 for funeral, burial, or cremation expenses $4,500 for rehabilitation expenses |
Driving in Kansas without the minimum-required insurance policies in place is considered a Class B misdemeanor and can result in a fine between $300 and $1,000 and a license suspension with a $100 reinstatement fee. If you are caught driving without insurance a second time within three years, it is a Class A misdemeanor and comes with the following penalties:
- Fine between $300 and $1,000
- Up to six months in jail
- Suspension of license with $300 reinstatement fee
Cost Of Auto Insurance In Kansas
The cost of Kansas car insurance is low compared to the national average. According to a report by the National Association of Insurance Commissioners (NAIC), Kansas drivers spent an average of $766.50 in 2017, compared to the national average of $1,004.68.
| Type of Coverage | Average Annual Expenditure |
|---|---|
| Liability coverage | $399.96 |
| Collision coverage | $280.48 |
| Comprehensive coverage | $267.10 |
| Total cost | $766.50 |
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
Although the total cost for full coverage auto insurance is lower than the national average, the cost of comprehensive coverage tends to be higher for Kansas drivers. That said, the cost of auto insurance varies from person to person and can change based on:
- Age
- Gender
- Marital status
- Driving record
- City
- Other factors
What To Know About Driving In Kansas
According to 2018 data collected by the Insurance Institute for Highway Safety (IIHS), Kansas drivers traveled an average of 14,976 miles per licensed driver. The danger of driving those miles appears to be slightly higher than in the rest of the country, as the number of deaths per 100,000 people in Kansas is 13.9, higher than the national average of 11.2.
Take care when driving in Kansas. Though the flat topography can make it easy to see upcoming traffic patterns, strong storms with high wind speeds can be dangerous for drivers. Be sure to check traffic reports and local weather conditions before hitting the road in the Natural State.
Final Thoughts
USAA, Auto-Owners Insurance, and Geico are three of the top providers for auto insurance in Kansas. These companies offer low rates relative to the area average and have high customer satisfaction scores among Kansas drivers.
There is no single best provider for everyone, so be sure to compare policies and rates from several companies before making a final decision. You can receive free, instant quotes from some of the best providers in the nation using the tool below.
Methodology
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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