INSURANCE - CAR INSURANCE

Best Car Insurance in Kansas for 2024

Updated Feb. 20, 2024
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State Farm had the lowest full coverage car insurance in Kansas.

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Car insurance in Kansas can be surprisingly expensive. The state annual average price for full coverage is $1,540, compared to the national average of $1,582. Although various factors contribute to your car insurance rate, knowing which companies have the best pricing can help you save money and prevent hassle.

In this article

Key takeaways

  • The best car insurance in Kansas is State Farm, which costs a yearly average of $966 for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $128 monthly in Kansas.
  • Kansas City drivers pay the most for car insurance, an average of $2,091 a year.

Best car insurance companies in Kansas

Kansas’s best car insurance company is State Farm, which costs an average of $966 annually. USAA offered the lowest minimum coverage in the Sunflower State, averaging just $245 a year. Farmers insurance was the most expensive on our list, costing $1,993 annually for full coverage and $655 for minimum coverage.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 890/1,000 $1,068/year $245/year
American Family 837/1,000 $1,709/year $481/year
State Farm 833/1,000 $966/year $305/year
Auto-Owners 829/1,000 $1,393/year $278/year
Farmers 819/1,000 $1,993/year $655/year
Progressive 803/1,000 $1,152/year $397/year
Nationwide 792/1,000 $1,236/year $420/year

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USAA: Highest customer satisfaction

USAA earned 890 out of 1,000 in customer satisfaction in Kansas, the highest score in the state. It also charged only $245 yearly for minimum car insurance coverage and was the second lowest full coverage option. Although USAA has standard policies and discounts, its policies are only available to current and former military members and their families.

Pros
  •  USAA offers lower-cost full and minimum coverage policies than its competitors
  •  It has multiple policy options, including PIP and MedPay coverage
Cons
  •  Only current and former military members and their families qualify for USAA policies
  •  You may find more specialty coverages with a competitor

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm offers Kansas’s cheapest full coverage car insurance, averaging just $966 annually. However, it was not the lowest minimum coverage available and earned third place in customer satisfaction. In addition to its low full coverage rates, State Farm offers standard and specialty policies. It also provides multiple discounts, including up to 25% off for new drivers.

Pros
  •  State Farm offers lower prices than most of its Kansas competitors
  •  It has insurance agents and offices available throughout the state
Cons
  •  State Farm does not have some specialty policies, like gap coverage or accident forgiveness
  •  Its minimum coverage cost was higher than several competitors

Get a quote now | State Farm review

Auto-Owners: Best budget pick

Auto-Owners Insurance is a mutual insurance company that only provides policies through independent agents. Auto-Owner’s full coverage insurance was more expensive than some competitors. Still, its minimum insurance, costing an average of $278 annually, was the lowest option available to everyone in Kansas.

Pros
  •  Auto-Owners had the lowest minimum car insurance available to all Kansas residents
  •  It offers specialty policies like diminished value and roadside assistance
Cons
  •  Auto-Owners full coverage was more expensive than several competitors
  •  It earned only average customer service scores in Kansas

Get a quote now | Auto-Owners review

Progressive: Best for high-risk drivers

Drivers with DUIs, speeding tickets, or at-fault accidents tend to pay significantly more for their car insurance. Progressive may be a good choice if you are a high-risk driver since it has the third lowest full coverage costs in Kansas and offers high-risk policies and SR-22 filings.

Pros
  •  Progressive has multiple policy options, including accident forgiveness
  •  It had lower rates than some competitors on full coverage auto insurance
Cons
  •  Progressive earned the second-lowest customer satisfaction rating on our list
  •  You may find lower-cost options for minimum coverage with a competitor

Get a quote now | Progressive review

Nationwide: Best for coverage options

Nationwide has an extensive list of coverage options, including things beyond traditional car insurance, like covering part of your vet bills if your pet is in the car during an accident. However, it is a more expensive option than some competitors, costing an average of $1,236 annually for full coverage and $420 for minimum coverage.

Pros
  •  Nationwide has customizable policy options, including a vanishing deductible
  •  It offers perks to drivers, like fender bender forgiveness
Cons
  •  It is more expensive than some competitors
  •  Nationwide earned the lowest customer satisfaction score on our list

Get a quote now | Nationwide review

Kansas auto insurance requirements

Kansas has extensive insurance coverage requirements, and all drivers must maintain a minimum of:

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)

  • $4,500 per person for medical expenses
  • $2,000 for funeral, burial, or cremation expenses
  • $4,500 for rehabilitation expenses
  • $900 per month for one year for disability/loss of income
  • $25 per day for in-home services
  • $900 per month for one year as survivor benefits
  • In-home services up to $25 per day for one year

Uninsured/Underinsured

  • $25,000 per person
  • $50,000 per accident

How to choose a car insurance provider in Kansas

When researching a new car insurance provider, it’s vital to consider your insurance needs and budget. In addition, keep the following in mind to help you get the right coverage at the right price.

  • Check financial stability: Research a company’s financial stability on a website like AM Best. It’s also wise to check with the consumer section of the Kansas Insurance Department or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Kansas.
  • Compare quotes: Get quotes from at least three companies and compare the policy amounts, coverage options, and discounts against your current coverage to ensure you get the same insurance from all companies.
  • Use an insurance broker: Insurance brokers can save you time by gathering insurance quotes from multiple companies and offering insight into each option. Some brokers charge fees, so know the fee structure upfront and confirm they are fully licensed before working with them.

How much does car insurance cost in Kansas?

The average cost of car insurance in Kansas is $1,540 yearly, and the state’s minimum insurance averages $457. Drivers in Kansas City are likely to pay the most, an average of $2,091 annually, while residents of Lawrence pay the least, an average of $1,724 per year.

Kansas car insurance rates by city

While various factors contribute to insurance rates, the crime rate of a city or town can increase the cost of car insurance.

In the state capital of Topeka, for instance, neighborhood analytics site NeighborhoodScout gave the city a 3 out of 100, meaning 97% of U.S. neighborhoods are considered safer overall. Topeka residents pay an average of $1,745 yearly for full coverage insurance, significantly more than the state average of $1,540, likely due in part to higher crime rates.

City Avg. annual full-coverage premium
Kansas City $2,091/year
Wichita $1,988/year
Olathe $1,806/year
Overland Park $1,779/year
Topeka $1,745/year
Lawrence $1,724/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Kansas

What are the minimum car insurance coverage requirements in Kansas?

Kansas has extensive car insurance requirements. It requires drivers to carry liability policies for bodily injury ($25,000 per person and $50,000 per accident) and property damage ($25,000 minimum). It also requires specific types of personal injury protection (PIP) insurance and Uninsured/Underinsured motorist protection. 

How much does car insurance cost in Kansas?

The average annual cost of car insurance in Kansas is $1,540 annually for full coverage policies and $457 per year for the state’s minimum requirements.

Which car insurance companies cover Kansas?

Several car insurance companies cover Kansas, including many national carriers like Nationwide, USAA, Allstate, State Farm, and Progressive. 

What is the cheapest car insurance company in Kansas?

The cheapest car insurance in Kansas is State Farm, which costs $966 yearly for full coverage insurance. The cheapest minimum insurance is from USAA and costs $245 annually.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.