Nationwide offers the cheapest auto insurance rates in Kansas at about $1,032 a year or $86 monthly. That’s below the average Kansas car insurance rate of $1,526 a year.
Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Nationwide to be not just the cheapest, but also the best insurance company in Kansas.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your average annual car insurance cost.
Read on to compare Kansas insurance rates by company, age and more.
Key takeaways
- Nationwide is the best car insurance company in Kansas overall, with below-average rates and a low complaint ratio.
- Nationwide is also the cheapest car insurance company in Kansas at $1,032 per year.
- American Family has the cheapest rates for teens and Nationwide has the cheapest rates for adult and senior drivers.
- Average cost of car insurance in Kansas
- Best car insurance companies in Kansas
- Cheapest car insurance companies 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
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Kansas
The average car insurance rate in Kansas is $1,526 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 $380.
Best car insurance companies in Kansas
Nationwide is the best car insurance company in Kansas, based on a 2023 analysis by Insurance.com, with an overall rating of 4.41. State Farm is the second-best auto insurance company in Kansas with an overall rating of 4.3.
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Nationwide | A+ | $ 1,032 | 0.66 | 4.41 |
| State Farm | A++ | $ 1,402 | 0.52 | 4.34 |
| Geico | A++ | $ 1,492 | 0.77 | 4.04 |
| USAA* | A++ | $ 1,051 | 0.99 | 4.01 |
| American Family | A | $ 1,332 | 0.57 | 4 |
| Auto-Owners | A++ | $ 1,807 | 0.64 | 3.99 |
| Progressive | A+ | $ 1,523 | 0.73 | 3.79 |
| Travelers | A++ | $ 1,369 | 1.03 | 3.62 |
| Farmers | A | $ 1,787 | 0.77 | 3.15 |
| Allstate | A+ | $ 2,463 | 0.95 | 2.41 |
*USAA is only available to military members and their families.
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 is the cheapest auto insurance company in Kansas with average rates of $1,032 annually or $86 a month for full coverage.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| Nationwide | $ 428 | $ 388 | $ 1,032 |
| USAA* | $ 201 | $ 223 | $ 1,051 |
| American Family | $ 563 | $ 587 | $ 1,332 |
| Travelers | $ 403 | $ 429 | $ 1,369 |
| State Farm | $ 297 | $ 342 | $ 1,402 |
| Geico | $ 210 | $ 236 | $ 1,492 |
| Progressive | $ 334 | $ 377 | $ 1,523 |
| Farmers | $ 432 | $ 476 | $ 1,787 |
| Auto-Owners | $ 317 | $ 333 | $ 1,807 |
| Allstate | $ 616 | $ 657 | $ 2,463 |
*USAA is only available to military members and their families.
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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.
American Family offers the cheapest car insurance for teen drivers in Kansas at $2,899 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 $1,034 per year and $891 per year, respectively.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | American Family | $ 2,899 |
| Teens (16-19) | Nationwide | $ 3,227 |
| Teens (16-19) | State Farm | $ 3,622 |
| Teens (16-19) | USAA | $ 3,651 |
| Teens (16-19) | Travelers | $ 3,711 |
| Teens (16-19) | Geico | $ 4,166 |
| Teens (16-19) | Auto-Owners | $ 5,204 |
| Teens (16-19) | Farmers | $ 5,907 |
| Teens (16-19) | Progressive | $ 6,738 |
| Teens (16-19) | Allstate | $ 6,991 |
| Young Adults (20-24) | Nationwide | $ 1,645 |
| Young Adults (20-24) | USAA | $ 1,677 |
| Young Adults (20-24) | American Family | $ 1,862 |
| Young Adults (20-24) | Travelers | $ 1,996 |
| Young Adults (20-24) | State Farm | $ 2,194 |
| Young Adults (20-24) | Geico | $ 2,229 |
| Young Adults (20-24) | Farmers | $ 2,371 |
| Young Adults (20-24) | Progressive | $ 2,464 |
| Young Adults (20-24) | Auto-Owners | $ 3,092 |
| Young Adults (20-24) | Allstate | $ 3,355 |
| Adults (25-55) | Nationwide | $ 1,034 |
| Adults (25-55) | USAA | $ 1,057 |
| Adults (25-55) | American Family | $ 1,324 |
| Adults (25-55) | Geico | $ 1,368 |
| Adults (25-55) | Travelers | $ 1,376 |
| Adults (25-55) | State Farm | $ 1,417 |
| Adults (25-55) | Progressive | $ 1,589 |
| Adults (25-55) | Farmers | $ 1,776 |
| Adults (25-55) | Auto-Owners | $ 2,006 |
| Adults (25-55) | Allstate | $ 2,476 |
| Seniors (60-75) | Nationwide | $ 891 |
| Seniors (60-75) | USAA | $ 962 |
| Seniors (60-75) | American Family | $ 1,203 |
| Seniors (60-75) | Travelers | $ 1,206 |
| Seniors (60-75) | State Farm | $ 1,257 |
| Seniors (60-75) | Progressive | $ 1,408 |
| Seniors (60-75) | Geico | $ 1,481 |
| Seniors (60-75) | Farmers | $ 1,601 |
| Seniors (60-75) | Auto-Owners | $ 1,789 |
| Seniors (60-75) | Allstate | $ 2,377 |
*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 | Ticket |
|---|---|---|---|
| USAA* | $ 995 | $ 1,440 | $ 1,246 |
| Nationwide | $ 1,016 | $ 1,492 | $ 1,239 |
| Geico | $ 1,285 | $ 2,192 | $ 1,498 |
| American Family | $ 1,328 | $ 1,328 | $ 1,686 |
| State Farm | $ 1,392 | $ 1,577 | $ 1,485 |
| Travelers | $ 1,443 | $ 2,036 | $ 1,937 |
| Progressive | $ 1,504 | $ 2,299 | $ 1,996 |
| Auto-Owners | $ 1,714 | $ 2,042 | $ 2,119 |
| Farmers | $ 1,824 | $ 2,531 | $ 2,431 |
| Allstate | $ 2,375 | $ 3,341 | $ 2,626 |
*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 vary significantly 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 and consider these local factors to find the most competitive rates for your specific city in Kansas.
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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 the limit
- Speeding ticket 11- 29 MPH over the limit
- Talking on a 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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