Best Car Insurance in Kansas
Last Updated on April 28, 2021
Drivers in Kansas pay average car insurance premiums compared to the rest of the country. The average driver in Kansas pays around $1,440 per year for car insurance, while the average American pays around $1,450 per year.
Kansas is in the middle of the pack for car insurance pricing. However, there are plenty of good and bad insurers in Kansas. Some drivers want high-end insurance from an expensive insurer. Other drivers want good-value insurance. Keep reading to find the best car insurance companies in Kansas based on your unique needs.
Table of Contents:
- The 10 Best Auto Insurance Companies in Kansas
- Kansas Auto Insurance Requirements
- Driving Without Insurance in Kansas
- Car Insurance in Kansas with a DUI
- Car Insurance in Kansas with At-Fault Accidents
- Car Insurance in Kansas with Speeding Tickets
- Car Insurance in Kansas for Young Drivers
- Car Insurance in Kansas with Poor Credit
- SR-22 Insurance in Kansas
Top 10 Auto Insurance Companies in Kansas
Some drivers want a small, locally-based insurer. Others want the security and familiarity of a nationwide provider. Whatever you’re looking for, here are the best car insurance companies in Kansas by value, customer service, and claims satisfaction, among other metrics:
- USAA: USAA is exclusively available to members of the military, retired military personnel, and certain qualifying family members. If you qualify, then you can get competitive prices along with some of the best auto insurance in the country. In Kansas, USAA charges rates as low as $1,074 per year for full coverage car insurance, which could make them the cheapest option in the state, depending on your driving history.
- Farmers: Farmers offers competitive prices across Kansas, and they’re particularly popular among older drivers. If you’re over age 50 and have a safe driving record, then Farmers may be the best car insurance option in Kansas. Expect to pay around $1,121 per year with Farmers in Kansas.
- GEICO: GEICO is America’s second-largest car insurance company, and they’re particularly popular with drivers in urban areas of Kansas. With competitive prices for drivers of all ages, GEICO continues to insure thousands across Kansas. Average rates are priced at around $1,154 per year, according to rates provided to our average driver profiles.
- State Farm: State Farm is the largest car and home insurance company in the United States. If you’re bundling policies together or looking for the amenities of a large provider, then State Farm may be the best option for you. Request a quote with State Farm and pay around $1,201 per year, according to our research.
- Farm Bureau: If you’re a member of the Kansas Farm Bureau, then you can buy car insurance through Farm Bureau Financial Services. Farm Bureau offers competitive rates on car insurance along with the amenities of a large and experienced company. Farm Bureau membership is open to non-farmers and farmers alike. Rates are priced at around $1,212 per year.
- Auto-Owners: Although not as well-known as competing options above, Auto-Owners is one of America’s largest car insurance companies. The company insures thousands of drivers across Kansas. Our model driver profiles received average quotes of approximately $1,234 from Auto-Owners in Kansas, with rates similar regardless of whether you’re in an urban or rural area.
- Nationwide: Nationwide gives drivers in Kansas the familiarity of a nationwide organization along with competitive pricing, a good mobile app, and effective customer service. For full coverage car insurance, you can expect to pay approximately $1,241 per year with Nationwide in Kansas.
- Shelter: Shelter is a Missouri-based company founded in 1946 to serve farmers across Missouri and nearby states. Today, Shelter is consistently one of the top-rated insurers in Kansas and other states for customer service and claims satisfaction. Although they’re not as cheap as competing providers above, they’re often the best value. Rates are priced at roughly $1,304 per year with Shelter in Kansas.
- Kansas Farmers Union: Kansas Farmers Union is the oldest agricultural organization in the state. If you’re a member of the Kansas Farmers Union, then you can qualify for cheap insurance through Midwest Regional Agency, a Farmers Union company. Rates are priced at around $1,367 per year, according to our model driver profiles.
- American Family: American Family is popular among all types of drivers across Kansas. With competitive rates in urban and rural areas of the state, American Family is popular among those who value customer service and a local connection to their agent. Rates are priced at approximately $1,402 per year.
Kansas Insurance Requirements
Drivers in Kansas must carry liability insurance to legally drive on public roads. Failing to carry a minimum amount of liability insurance could lead to severe penalties.
To legally drive in Kansas, your policy must meet a minimum of 25/50/25 of liability coverage. Kansas is also one of the few states that requires uninsured and underinsured motorist coverage and personal injury protection (PIP) or no-fault coverage.
Any insurance policy you buy in Kansas will (at least) meet the following minimum requirements, according to Kansas.gov:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage
- Personal injury protection with $4,500 per person coverage for medical expenses, $900 per month coverage for one year for disability and loss of income, $25 per day coverage for in-home services, $2,000 of coverage for funeral, burial, and cremation expenses, and $4,500 of coverage for rehabilitation expenses
- $25,000 of uninsured/underinsured motorist coverage per person and $50,000 of uninsured/underinsured motorist coverage per accident
If you lease or finance your vehicle, then your lender may require full coverage car insurance, which includes collision and comprehensive coverage. Many drivers also exceed the minimum liability limits above or buy umbrella coverage for peace of mind.
Driving Without Insurance in Kansas
Driving without insurance in Kansas is illegal. At a traffic stop, or when requested by police, you must provide proof of insurance. If you are caught without insurance, then you could face certain penalties.
The penalty for driving without insurance varies depending on the number of offenses:
First Offense: A fine of $300 to $1,000, maximum imprisonment of six months (or a combination of fine and imprisonment), suspension of license and registration until the driver provides proof of insurance, a $100 license reinstatement fee, and SR-22 requirement for three years.
Second Offense: A fine of $800 to $2,500, maximum imprisonment of one year, suspension of license and registration until the driver provides proof of insurance, $300 license reinstatement fee, and SR-22 requirement for three years.
Third & Subsequent Offenses: A fine of $800 to $2,500, imprisonment of one to two years, revocation of driving privileges for three years, $300 license reinstatement fee, and SR-22 requirement for three years.
The SR-22 is a certificate verifying financial responsibility. Drivers who have let insurance lapse must file an SR-22 form for three years after their conviction.
Car Insurance in Kansas with DUI
A DUI or DWI conviction is expensive in every state – including Kansas. Drivers in Kansas could pay an extra $500 to $1,500 per year for car insurance after a DUI. Drivers with multiple DUIs may need to buy insurance from high-risk providers or specialty insurers.
Fortunately, some insurers continue to charge cheap rates even after a DUI or DWI conviction:
- USAA: $1,752 per year
- GEICO: $1,790 per year
- Farm Bureau: $1,990 per year
- Progressive: $2,011 per year
- Farmers: $2,094 per year
Car Insurance in Kansas with At-Fault Accidents
An at-fault accident stays on your record for three to seven years in Kansas. Some insurers use the maximum lookback period available, while others ignore older accidents.
Some insurers put less weight on driving history than others. Consider requesting a quote from the following insurers in Kansas if you have an at-fault accident – or multiple at-fault accidents – on your driving record.
- USAA: $1,564 per year
- GEICO: $1,581 per year
- Farm Bureau: $1,521 per year
- Farmers: $1,611 per year
- Progressive: $1,691 per year
Car Insurance in Kansas with Speeding Tickets
A speeding ticket isn’t as serious as an at-fault accident or DUI. However, drivers with multiple speeding tickets or a serious speeding violation could be considered high-risk.
Not all insurers treat speeding tickets the same way. To pay the lowest possible rates for car insurance, consider requesting a quote from any of the following providers:
- USAA: $1,232 per year
- GEICO: $1,282 per year
- State Farm: $1,311 per year
- Farmers: $1,322 per year
- Farm Bureau: $1,389 per year
Car Insurance in Kansas for Young Drivers
Young drivers in Kansas have less experience than older drivers. This inexperience makes them riskier to insure. Most insurers charge very high rates to drivers under age 25 – even drivers with a clean record and zero citations.
Fortunately, young drivers can shop around and compare quotes with the following companies to pay the lowest possible rates for car insurance in Kansas:
- USAA: $1,883 per year
- State Farm: $1,911 per year
- Shelter: $2,021 per year
- GEICO: $2,111 per year
- American Family: $2,190 per year
Car Insurance in Kansas with Poor Credit
Having a bad credit score makes everything more expensive – including car insurance. If you have a bad credit score or no credit score, then insurers will charge much higher rates for car insurance. Statistically, you’re riskier to insure than drivers with an average credit score or better.
However, some insurers put less of an emphasis on credit score than others, including all of the following insurers in Kansas:
- USAA: $2,044 per year
- GEICO: $2,123 per year
- Shelter: $2,188 per year
- American Family: $2,290 per year
- Farmers Union: $2,397 per year
SR-22 Insurance in Kansas
You may need an SR-22 certificate in Kansas if you are a high-risk driver, were caught driving without insurance, or let car insurance lapse.
The SR-22 is a certificate verifying you meet Kansas’s minimum car insurance requirements. Most insurers can file an SR-22 certificate on your behalf to the state. Once the state receives your SR-22 filing, they can reinstate your license and registration, allowing you to resume driving.
An SR-22 requirement can raise rates by $500 to $1,000 per year in Kansas. As a high-risk driver, you’re riskier to insure than other drivers. If you have multiple incidents on your record, then you may even need to work with a high-risk insurer or specialty insurer.
Conclusion: How to Find the Best Auto Insurance in Kansas
Kansas has average car insurance rates compared to the rest of the United States. However, rates can drop sharply when drivers compare quotes, shop around, and take advantage of discounts.
Consider requesting a quote from any of the insurers listed above to find the best auto insurance in Kansas.