- Best car insurance companies in Kansas
- Cheapest car insurance companies in Kansas
- Average cost of car insurance in Kansas
- Cheapest car insurance cost in Kansas by age
- Cheapest car insurance companies in Kansas by driver profile
- Compare auto insurance rates by city in Kansas
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Kansas
Travelers is the best car insurance company in Kansas, based on a data analysis by Insurance.com, with an overall rating of 3.54. Nationwide is the second-best auto insurance company in Kansas, with an overall rating of 3.42.
Below is a full list of the top Kansas insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | $1,601 | 797 | 0.49 | 3.54 |
| Nationwide | A+ | $1,316 | 792 | 0.64 | 3.42 |
| Geico | A++ | $1,622 | 819 | 0.91 | 3.27 |
| State Farm | A++ | $1,976 | 833 | 0.7 | 3.26 |
| Progressive | A+ | $1,937 | 803 | 0.65 | 3.09 |
| Farmers | A | $1,992 | 819 | 0.8 | 2.89 |
| Shelter Insurance | A | $2,230 | 851 | 1.18 | 2.7 |
| Allstate | A+ | $2,968 | 806 | 0.65 | 2.55 |
Cheapest car insurance companies in Kansas
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Kansas and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide offers the cheapest full coverage car insurance in Kansas, with average rates of $1,316 annually or $109 a month. USAA offers cheaper car insurance at $1,151 per year, but is only for military families.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA* | $226 | $252 | $1,151 |
| Nationwide | $416 | $383 | $1,316 |
| Travelers | $398 | $423 | $1,601 |
| Geico | $263 | $296 | $1,622 |
| Progressive | $458 | $520 | $1,937 |
| State Farm | $335 | $388 | $1,976 |
| Farmers | $576 | $674 | $1,992 |
| Shelter Insurance | $562 | $585 | $2,230 |
| Iowa Farm Bureau | $371 | $393 | $2,289 |
| Allstate | $767 | $824 | $2,968 |
*USAA is only available to military members and their families.
Average cost of car insurance in Kansas
The average cost of car insurance in Kansas is $1,900 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Kansas is $434.
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Most & least expensive ZIP codes for auto insurance in Kansas
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 67854 | Jetmore | $161 |
| 67857 | Kendall | $159 |
| 67868 | Pierceville | $159 |
| 67876 | Spearville | $159 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 66030 | Gardner | $117 |
| 66021 | Edgerton | $118 |
| 66213 | Overland Park | $118 |
| 66046 | Lawrence | $118 |
Cheapest car insurance cost in Kansas by age
In Kansas, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Nationwide offers the cheapest car insurance for teen drivers in Kansas at $3,923 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Kansas, Nationwide offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,281 per year and $1,102 per year, respectively. USAA offers cheaper rates if you qualify.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Nationwide | $3,923 |
| Teens (16-19) | USAA* | $4,104 |
| Teens (16-19) | Travelers | $4,190 |
| Teens (16-19) | Geico | $5,074 |
| Teens (16-19) | State Farm | $5,112 |
| Teens (16-19) | Iowa Farm Bureau | $5,824 |
| Teens (16-19) | Shelter Insurance | $6,381 |
| Teens (16-19) | Farmers | $6,741 |
| Teens (16-19) | Progressive | $7,610 |
| Teens (16-19) | Allstate | $9,900 |
| Young Adults (20-24) | USAA* | $1,873 |
| Young Adults (20-24) | Nationwide | $2,054 |
| Young Adults (20-24) | Travelers | $2,350 |
| Young Adults (20-24) | Farmers | $2,613 |
| Young Adults (20-24) | Geico | $2,699 |
| Young Adults (20-24) | Progressive | $3,000 |
| Young Adults (20-24) | State Farm | $3,106 |
| Young Adults (20-24) | Iowa Farm Bureau | $3,568 |
| Young Adults (20-24) | Shelter Insurance | $3,675 |
| Young Adults (20-24) | Allstate | $4,831 |
| Adults (25-60) | USAA* | $1,166 |
| Adults (25-60) | Nationwide | $1,281 |
| Adults (25-60) | Travelers | $1,612 |
| Adults (25-60) | Geico | $1,641 |
| Adults (25-60) | Farmers | $1,908 |
| Adults (25-60) | Progressive | $1,952 |
| Adults (25-60) | State Farm | $1,968 |
| Adults (25-60) | Shelter Insurance | $2,150 |
| Adults (25-60) | Iowa Farm Bureau | $2,179 |
| Adults (25-60) | Allstate | $2,972 |
| Seniors (65-75) | USAA* | $1,078 |
| Seniors (65-75) | Nationwide | $1,102 |
| Seniors (65-75) | Travelers | $1,401 |
| Seniors (65-75) | State Farm | $1,777 |
| Seniors (65-75) | Iowa Farm Bureau | $1,792 |
| Seniors (65-75) | Progressive | $1,795 |
| Seniors (65-75) | Shelter Insurance | $1,796 |
| Seniors (65-75) | Geico | $1,861 |
| Seniors (65-75) | Farmers | $1,876 |
| Seniors (65-75) | Allstate | $2,963 |
*USAA is only available to military members and their families.
Cheapest car insurance companies in Kansas by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Kansas rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $985 | $1,601 | $1,236 |
| Nationwide | $1,022 | $1,651 | $1,312 |
| Geico | $1,152 | $2,193 | $1,533 |
| American Family | $1,303 | $1,512 | $1,681 |
| State Farm | $1,392 | $1,577 | $1,485 |
| Travelers | $1,410 | $2,094 | $1,963 |
| Progressive | $1,529 | $2,540 | $2,006 |
| Farmers | $1,860 | $2,835 | $2,509 |
| Auto-Owners | $1,877 | $2,419 | $3,178 |
| Allstate | $2,401 | $3,641 | $2,686 |
*USAA offers car insurance only to military veterans and their families.
Compare auto insurance rates by city in Kansas
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Kansas.
| City | Annual insurance premium |
|---|---|
Atchison | $1,800 |
Beloit | $1,917 |
Overland Park | $1,718 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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