Best Car Insurance In Kansas
Progressive is the best car insurance in Kansas because it offers affordable rates for minimum and full coverage plus a usage-based program to save more.
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Key Points:
- You can find the best car insurance in Kansas from Progressive, USAA, Travelers, Auto-Owners, and Shelter Insurance.
- Progressive is the mass-market insurer with the cheapest rates in Kansas.
- Auto-Owners and Shelter scored high on J.D. Power studies for claims and customer satisfaction.
Looking for the best auto insurance in Kansas? 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’ll look at major and local providers taking into account cost and service in Kansas.
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What Is The Best Car Insurance Company In Kansas?
Our team recommends Progressive as the best car insurance company in Kansas. Progressive offers cheap car insurance for Kansas drivers with full-coverage rates of $104 per month. The state’s average cost of car insurance is $150 per month for a full coverage policy. Good drivers can also save even more with Snapshot, Progressive’s usage-based program that rewards safe driving habits.
Kansas Car Insurance Company Comparison
In determining the best providers in the state, we considered cost, coverage offerings, technology, customer service, and more. Each of our recommended insurers excels in these areas, and many of them scored highly on the J.D. Power 2023 U.S. Auto Insurance Satisfaction Study℠ for the central region (which includes Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota).
| Best Auto Insurance In Kansas | Our Rating
(Out of 5.0) | Award |
|---|---|---|
| 1. Progressive | 4.5 | Best for Usage-Based Insurance |
| 2. USAA | 4.5 | Best for Military Members |
| 3. Travelers | 4.6 | Best Coverage Options |
| 4. Auto-Owners | 4.4 | Good Claims Experience |
| 5. Shelter Insurance | 4.2 | Best Customer Service in Kansas |
*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.
5 Best Car Insurance Companies In Kansas
Next, we’ll walk you through our top five picks for Kansas car insurance in detail.
#1 Progressive: Best for Usage-Based Insurance
Full Coverage Auto Insurance Cost: $1,253 per year or $104 per month
Minimum Liability Auto Insurance Cost: $352 per year or $29 per month
Kansas Customer Service Rating: 803/1,000
Claims Satisfaction Rating: 870/1,000
Progressive stands out for a few reasons: it offers affordable auto insurance rates, has a great usage-based program that could get you discounts, and includes options like custom parts coverage and roadside assistance. Also, if you drive for a rideshare company like Uber, you can get a plan from Progressive that covers you while you’re working. Progressive has an A rating from the Better Business Bureau (BBB) and an A+ financial strength rating from AM Best.
You can find out more about Progressive by reading our full Progressive auto insurance review.
#2 USAA: Best For Military Members
Full Coverage Auto Insurance Cost: $1,043 per year or $87 per month
Minimum Liability Auto Insurance Cost: $326 per year or $27 per month
Kansas Customer Service Rating: 890/1,000
Claims Satisfaction Rating: 900/1,000
In the 2023 J.D. Power Auto Insurance Study, USAA earned the most points of any insurer in the central region of the United States, indicating a high level of customer satisfaction. However, because it’s not available to all drivers in the state, USAA wasn’t eligible for formal ranking. USAA policies are only available to military members and people with a parent or spouse who is a USAA member, but if you’re eligible, the company may offer you some of the best rates for auto insurance premiums.
If you want to learn more about the company, read our full USAA auto insurance review.
#3 Travelers: Best Coverage Options
Full Coverage Auto Insurance Cost: $1,313 per year or $109 per month
Minimum Liability Auto Insurance Cost: $561 per year or $47 per month
Kansas Customer Service Rating: 797/1,000
Claims Satisfaction Rating: 871/1,000
Travelers may be a good option for Kansas drivers looking for a variety of options for additional coverage, as it offers gap insurance, rental coverage, new car replacement, accident forgiveness, and more. Many Kansas drivers find low car insurance premiums with Travelers–in some cases, the lowest in the state. While the company has 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.
Learn more about the company in our Travelers insurance review.
#4 Auto-Owners: Good Claims Experience
Full Coverage Auto Insurance Cost: $1,404 per year or $117 per month*
Minimum Liability Auto Insurance Cost: $457 per year or $38 per month*
Kansas Customer Service Rating: 829/1,000
Claims Satisfaction Rating: 888/1,000
Auto-Owners Insurance scored seventh overall in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study℠, which shows most customers have positive experiences with Auto-Owners when filing a claim. One reason Auto-Owners may rate so highly is that all auto insurance policies are handled through local agents who know the area they serve and can provide more personal service. 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.
*Cost data for the provider in this state was unavailable. These are national average rates for the provider.
#5 Shelter Insurance: Best Customer Service in Kansas
Full Coverage Auto Insurance Cost: $2,353 per year or $196 per month
Minimum Liability Auto Insurance Cost: $902 per year or $75 per month
Kansas Customer Service Rating: 851/1,000
Claims Satisfaction Rating: 879/1,000
Headquartered in Columbia, Missouri, Shelter Mutual Insurance has been serving drivers in the American Midwest for over 70 years. We’ve rated Shelter as the best in Kansas for customer service because it got the top spot for customer satisfaction in the central U.S. according to the J.D. Power 2023 Auto Insurance Study. Shelter also has an A+ rating from the BBB and an excellent financial strength score from AM Best.
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 (PIP) and underinsured/uninsured 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 medical claims with their own PIP insurance provider. This is why minimum car insurance requirements in Kansas are slightly higher than in states that only require liability coverage.
A full explanation of Kansas car insurance requirements is detailed below.
| Kansas Auto Insurance | Minimum Insurance Coverage 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 |
If you’re driving in Kansas, make sure you can provide proof of insurance. Driving without the state minimum-required insurance policies in place is considered a Class B misdemeanor and can result in a fine between $300 and $1,000, a license suspension with a $100 reinstatement fee, or up to six months in jail. If you’re caught driving without insurance a second time within three years, it’s a Class A misdemeanor and comes with the following penalties:
- Fine between $800 and $2,500
- Up to six months in jail
- Suspension of license with $300 reinstatement fee
What To Know About Driving In Kansas
According to 2022 data collected by the Federal Highway Administration, Kansas drivers traveled an average of 15,266 miles per licensed driver. This is a bit higher than the national average of 13,596.
Similarly, the Insurance Institute for Highway Safety found there were 14.4 auto-related deaths per 100,000 people in Kansas. This is higher than the national average of 12.9 car accident-related deaths.
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.
Best Car Insurance In Kansas: Our Take
Progressive, USAA, Travelers, Auto-Owners, and Shelter Insurance are our recommendations for auto insurance in Kansas. These companies offer good customer service and most of them provide low car insurance rates as well. Compare multiple quotes to find the best and cheapest car insurance company for your situation.
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Auto Insurance In Kansas: FAQ
Below are a few frequently asked questions about car insurance in Kansas.
Who has the cheapest car insurance in Kansas?
There is no single cheapest provider for the entire state of Kansas. That said, some auto insurance companies that offer cheap rates to Kansas drivers include USAA, Progressive, and Travelers. Each driver will receive a different car insurance quote depending on factors such as age, gender, credit score, and whether you have a clean driving record or are a high-risk driver (you have a DUI, speeding ticket, or at-fault accident in your driving history).
What is the average cost of auto insurance in Kansas?
According to our rate data, the average good driver pays about $1,800 per year or $150 per month for full coverage car insurance in Kansas. This is cheaper than the national average of $1,968 per year.
What type of automobile insurance is required in Kansas?
Kansas law requires that all drivers maintain the state minimum coverage of liability automobile insurance in the amount of 25/50/25, uninsured/underinsured motorist coverage in the amount of 25/50, and personal injury protection.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
