Non-owner car insurance in Kansas: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Kansas?

GEICO has the cheapest non-owner car insurance in Kansas, with average annual rates of $141. State Farm is the second-cheapest option at $312 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Kansas.

Company	Average annual premium	Average monthly premium
GEICO	$141	$12
State Farm	$312	$26
Progressive	$435	$36
Iowa Farm Bureau	$513	$43
Travelers	$514	$43
Farmers	$560	$47
Shelter Insurance	$624	$52
USAA	$165	$14

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Best non-owner car insurance in Kansas

GEICO is the best non-owner car insurance company in Kansas based on cost, customer complaints and financial strength ratings. State Farm and Iowa Farm Bureau are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Kansas, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Kansas.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$141	641	0.60	A++	4.51
State Farm	$312	664	0.87	A+	4.15
Iowa Farm Bureau	$513	645	0.13	A	3.82
Progressive	$435	637	0.60	A+	3.79
Shelter Insurance	$624	673	0.44	A	3.69
Travelers	$514	585	0.63	A++	3.25
Farmers	$560	641	1.24	A	3.19
USAA	$165	719	1.16	A++	4.48

Read our methodology

Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Kansas.

GEICO

Our top choice for non-owner car insurance in Kansas is GEICO, with an average rate of $141 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.

State Farm

Another excellent choice for non-owner car insurance in Kansas is State Farm. Average rates are $312 annually. State Farm has an AM Best rating of A+ and an NAIC complaint ratio of 0.87.

Iowa Farm Bureau

Our third pick is Iowa Farm Bureau. Iowa Farm Bureau rates average $513. Its NAIC complaint ratio is 0.13, and it has a rating of A.

PEOPLE ASK:

Do I need Kansas non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Kansas

The average cost of non-owner car insurance in Kansas is $408 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Kansas by age and gender

Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Kansas, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Kansas by age and gender.

Age group	Male	Female
Teens (16-19)	$1,025	$980
Young Adults (20-24)	$520	$499
Adults (25-60)	$400	$408
Seniors (65-75)	$423	$414

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Do you need non-owner car insurance in Kansas?

You may need non-owner insurance in Kansas if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Kansas doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

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 liability only	$408
Traditional state minimum policy	$698
State minimum car insurance limits	25/50/25

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What does Kansas non-owner car insurance cover?

Non-owner car insurance in Kansas covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

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 $408 in Kansas, and GEICO offers the lowest rates. In our analysis, GEICO was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Drivers in Kansas can find the best non-owner insurance policy by comparing quotes from multiple companies, reviewing customer complaint ratios and checking AM Best financial ratings. Choosing appropriate liability limits and maintaining continuous insurance coverage can also help lower premiums over time.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios 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 from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Kansas

Do I need non-owner insurance to drive a friend's car in Kansas?

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in Kansas?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.