- Cheapest non-owner car insurance companies in Kansas
- Best non-owner car insurance in Kansas
- Insurance.com's top choices for non-owner car insurance
- Non-owner car insurance in Kansas by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in Kansas
- The bottom line: Non-owner car insurance in Kansas
- Methodology
- Compare Kansas non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Kansas
The cheapest non-owner car insurer in Kansas is Geico, with rates averaging $94. The second cheapest Kansas non-owner insurer is Shelter Insurance. Average rates are $172.
Compare the cheapest non-owner car insurance companies in Kansas below.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Geico | $94 | $8 |
| Shelter Insurance | $172 | $14 |
| State Farm | $178 | $15 |
| Iowa Farm Bureau | $196 | $16 |
| Progressive | $247 | $21 |
| Travelers | $327 | $27 |
| Farmers | $460 | $38 |
| Nationwide | $681 | $57 |
| USAA | $114 | $10 |
Best non-owner car insurance in Kansas
While State Farm is the top choice, Geico and Travelers are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Kansas, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The table below shows a comparison of the best non-owner car insurance companies in Kansas.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| State Farm | $178 | 833 | 0.70 | A++ | 3.48 |
| Geico | $94 | 819 | 0.91 | A++ | 3.43 |
| Travelers | $327 | 797 | 0.49 | A++ | 3.35 |
| Progressive | $247 | 803 | 0.65 | A+ | 3.19 |
| Shelter Insurance | $172 | 851 | 1.18 | A | 3.07 |
| Farmers | $460 | 819 | 0.80 | A | 2.70 |
| Nationwide | $681 | 792 | 0.64 | A+ | 2.54 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Kansas.
State Farm
Our number one pick for non-owner car insurance in Kansas is State Farm. The average rate for liability coverage is $178. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.
Geico
Another excellent choice for non-owner car insurance in Kansas is Geico. Average rates are $94 annually. Geico has an AM Best rating of A++ and an NAIC complaint ratio of 0.91.
Travelers
Our third pick is Travelers. Travelers rates average $327. Its NAIC complaint ratio is 0.49, and it has a rating of A++.
Non-owner car insurance in Kansas by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Kansas.
Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.
Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.
Below are the average Kansas rates for non-owner car insurance based on age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $661 | $616 |
| Young Adults (20-24) | $349 | $338 |
| Adults (25-60) | $266 | $272 |
| Seniors (65-75) | $287 | $279 |
Average annual rates for non-owner vs. traditional car insurance
Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.
For example, non-owner car insurance in Kansas doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.
Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below compares average annual rates for non-owner and owner car insurance.
| Non-owners state minimum policy | $274 |
| Traditional state minimum policy | $434 |
| State minimum car insurance limits | 25/50/25 |
Average cost of non-owner car insurance in Kansas
The average cost of non-owner car insurance in Kansas is $274, but your rate may differ depending on your driving record, age and the coverage you choose.
The bottom line: Non-owner car insurance in Kansas
Kansas drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.
Non-owners car insurance averages $274 in Kansas, and Geico offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Take the time to compare options to find the best non-owner car insurance in Kansas. Use the tool above to easily compare non-owner insurance providers near you.
Expert's Insight
"Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.
Methodology
Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.
For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
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