Kansas has more than two million licensed drivers. Each driver who drives a vehicle registered in Kansas is legally required by law to have car insurance. According to Bankrate’s 2021 study on annual premiums, the average Kansas car insurance cost is $1,698 for a full coverage policy, and $142 for a minimal coverage policy.
Kansas drivers have many options for car insurance. There are many providers out there, but not all providers are equal. We did some research to identify the best car insurance companies in Kansas and looked at a few ways to get a lower rate.
Kansas’s best car insurance companies
We compared each provider’s J.D. to find the best auto insurance companies. We compared each provider’s J.D. to determine their overall customer satisfaction ratings, coverage options, benefits for Kansas residents, market share and unique perks, as well as the discounts they offer.
Allstate
Allstate offers a wide range of coverage options and discounts to ensure customers get the coverage they need. Allstate offers a low rate of $1,757 per year for full coverage premium. J.D. It is slightly lower than average at 826/1,000 according to Power.
All over the country
Nationwide offers semi-affordable insurance rates to people from all walks of Kansas. It is not the most affordable car insurance company in Kansas but it does offer a variety of coverages and discounts such as savings for students and drivers who are good drivers.
State Farm
State Farm offers additional coverage options such as accident forgiveness and rideshare coverage. You can also reduce your premiums by taking a defensive driving class. State Farm has the lowest annual rate for full coverage, at $1,289.
Shelter
J.D. gave Shelter the highest score. Power was the highest-scoring insurance company in Kansas, receiving the highest score from J.D. Shelter offers many coverage options including farm insurance. Full coverage costs $2,410 per year.
Kansas average cost for car insurance
The average cost of car insurance in Kansas is more expensive than the average annual rate in the United States. The national average premium for a full-coverage policy is $1,674. Below is a table that shows Kansas’s average rates.
Kansas’s minimum insurance requirements
Every state has different car insurance rates which are impacted by the minimum amount of coverage that drivers are required to have. Kansas requires each driver to carry a policy that includes 25/50/25 liability insurance and personal injury protection. Below is a list of coverage requirements.
- Bodily injury liability up to $25,000 per individual and $50,000 per accident. If an accident occurs, this insurance will cover the person’s medical costs.
- $25,000 property coverage to cover damage to vehicles and other property that results from a collision.
- Uninsured/underinsured motorist bodily injury of up to $25,000 per person and $50,000 per accident.
- Personal injury coverage starting at $4,500 per individual
How to get the best car coverage
Your personal needs and your budget will determine which car insurance policy is best for you. Your neighbor may have the best option for car insurance, but not you. The first step to getting the best Kansas full coverage car insurance is to determine what you are looking for.
- Assess your needs individually: Every driver has different insurance requirements. You might need more coverage if there are teen drivers on your policy, or if you recently purchased a vehicle. You may not need as much coverage if your vehicle is older or you can afford repairs.
- Take into account state factors. Kansas drivers need protection from common claims, such as weather-related damages. Comprehensive insurance, for example, is essential to protect your vehicle from wildfires or tornado damage. If you finance or lease your vehicle, gap insurance might be an option.
Kansas offers car insurance discounts
One of the best ways to get cheap car insurance in Kansas is to look for insurance providers that offer discounts. Many car insurance companies in Kansas offer discounts that will help you reduce your premium. These are the most sought-after discounts:
- Student discount: Students with a minimum GPA can often receive a discount on their insurance policy. This applies to both high school and college students.
- Insurance companies offer a discount for people who have never been in an accident. This applies to traffic offenses like speeding tickets.
- Bundling your home and auto insurance policies with one company can save you money. Many insurance companies offer policy bundles that include auto, renters, condo and life insurance.
- Discount for drivers who pay in full: Drivers who are able to afford their annual premium in full and upfront usually receive a small discount on their policy. Sometimes, you might get a discount if you pay quarterly or bi-annually.
Although many car insurance companies offer discounts on their policies, the actual savings may vary. State Farm’s policy bundle discount can help you save up to 17% while Allstate’s policy bundle discount can help you save up to 25%. Kansas drivers can get a lower rate by raising their deductible and improving their credit score.
Questions frequently asked
What information are you required to obtain Kansas car insurance?
Personal information, such as your name and address, Social Security number, birth date, and social security number, will be required. Carriers will need to know how much you drive and what purpose the vehicle serves.
How can I make my savings the most?
You can get a discount if the carrier has a safe driving monitoring program (think Allstate’s Drivewise). This works by monitoring your driving habits and making recommendations to improve them. You could get a 30% discount on your premium if you have a high score for a specific time.
Is Kansas able to digitally show proof of insurance?
Kansas law allows you to show police your digital copy of your current insurance card if you are pulled over.