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Grace Kim has two years of experience in writing for finance and insurance domains such as The Cheapest Car Insurance Companies in New Jersey at Bankrate and Reviews.com. She has written about auto, homeowners, renters and life insurance. She has spent most of her professional experience writing about finance and tech topics. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Updated Oct 24, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
Kansas has more than . Every driver who owns a registered vehicle in the state is legally required to carry car insurance. The is $1,698 per year for a full coverage policy and $142 per year for a minimum coverage policy, according to Bankrate's 2021 study of . Drivers in Kansas have a number of options when it comes to car insurance. However, not all providers are created equal. We did some research to identify the in Kansas and looked at a few ways to get a lower rate. See More Compare rates and save on auto insurance today! Get quotes Close X Best car insurance companies in Kansas
To identify the best auto insurance companies, we examined each provider's J.D. Power overall customer satisfaction rating, coverage options, benefit to Kansas residents, market share, unique perks and discounts. Car insurance company Average annual full coverage premium J.D. Power customer satisfaction score Allstate $1,757 826/1,000 Nationwide $1,946 798/1,000 State Farm $1,289 847/1,000 Shelter Insurance $2,410 856/1,000 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Allstate
Allstate has a large number of discounts and coverage options to help customers get the coverage they want, including some unique discounts like early signing and farm vehicle. Allstate also offers an affordable rate for full coverage premium at $1,757 annually. In terms of customer satisfaction, J.D. Power rates it at 826/1,000, which is slightly below average. Learn more: Nationwide
Nationwide has semi-affordable insurance rates for people across many demographics in Kansas. Although it is not the cheapest car insurance company in Kansas, it offers several types of coverage and discounts like savings for good drivers and good students. Learn more: State Farm
offers additional coverage options such as accident forgiveness and rideshare coverage. It also offers options to reduce premiums such as a reduction in rates if you take a defensive driving course. Out of the list of car insurance companies, State Farm offers the lowest average annual rate for full coverage at only $1,289. Learn more: Shelter
Shelter got the highest score from J.D. Power on our list, making it one of the best insurance companies in Kansas. Shelter has many coverage options, including farm insurance. However, full coverage is quite expensive at $2,410 annually. Learn more: Average cost of car insurance in Kansas
The average cost of car insurance in Kansas is more expensive than the . For comparison, the national average premium is $1,674 for a full coverage policy. The table below includes the average rates in Kansas: Average annual premium for minimum coverage in Kansas Average annual premium for full coverage in Kansas $371 $1,713
Kansas city Average annual premium for full coverage Average annual premium for minimum coverage $1,637 $450 $1,776 $513 State minimum insurance requirements in Kansas
Every state has different 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 and personal injury protection. Here is a breakdown of the coverage requirements: Bodily injury liability of up to $25,000 per person and $50,000 per accident. This insurance covers a person’s medical bills if an accident happens. $25,000 property liability coverage that covers damage incurred to vehicles or other property resulting from a crash. Uninsured/underinsured motorist bodily injury of up to $25,000 per person and $50,000 per accident. Personal injury protection of $4,500 per person. How to get the best car insurance
Getting the best car insurance is dependent on your personal coverage needs and budget. The best car insurance for you may not be the best choice for your neighbor. To get the best full coverage car insurance in Kansas, the first step is to identify what you’re looking for: Evaluate your individual needs: Every driver has different insurance needs. For example, if you have teen drivers on your policy or you just purchased a new vehicle, you might want a higher amount of coverage. On the other hand, you may need less coverage if you drive a much older vehicle or can afford to pay for repairs out-of-pocket. Consider state factors: Drivers in Kansas need to have protection against common claims in the state, such as weather risks. For instance, having comprehensive insurance is important to protect your vehicle against wildfire or tornado damage. You might also want to purchase gap insurance if you lease or finance your vehicle. Car insurance discounts in Kansas
One of the best ways to get is to look for insurance providers that offer discounts. Most car insurance companies in the state have discounts that can help you on your premium. Here are some of the most popular discounts: Good student discount: Students who maintain a minimum GPA in school can often get a discount on their policy. This usually applies to high school and college students. Accident-free discount: If you have no recent accidents on your record, many insurance companies will lower your rate. This also goes for traffic violations like speeding tickets. Policy bundling discount: If you bundle your auto and home insurance policy with the same company, you can usually save money. Some insurance companies also offer policy bundling deals with auto and renters, condo or life insurance. Pay in full discount: Drivers who can afford to pay their annual premium upfront and in full usually get a small discount on their policy. You might even get a discount for paying bi-annually or quarterly, rather than monthly. While many car insurance companies offer discounts, the exact savings will vary. For example, State Farm's policy bundling discount claims you can , whereas Allstate's policy bundling discount has savings of . In addition to these discounts, Kansas drivers can also get a lower rate by improving their credit score and raising their deductible. Frequently asked questions
You will need to supply personal information such as your name, address, Social Security number and birth date. For your vehicle, carriers want an estimate of how many miles you drive, the purpose of the vehicle and whether it has any enhanced safety equipment (such as OnStar).
If the carrier offers a safe driving monitoring tool (think Allstate's Drivewise), use it to see how much of a discount you can receive. How this works is it monitors how and when you drive then makes recommendations on how to improve your score. If you earn a high score after a specified time, you could save up to 30 percent on your premium.
Yes, in Kansas, if you're pulled over for any reason, you can show the police a digital copy of your current insurance card. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Written by Grace Kim Insurance Contributor Grace Kim has two years of experience in writing for finance and insurance domains such as The Cheapest Car Insurance Companies in New Jersey at Bankrate and Reviews.com. She has written about auto, homeowners, renters and life insurance. She has spent most of her professional experience writing about finance and tech topics. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.