Best Car Insurance in Kansas for 2024

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.

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

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.

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.

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.

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.

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.

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

FAQs about car insurance costs in Kansas