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

Cheapest non-owner car insurance companies in Kansas

GEICO offers the most affordable non-owner car insurance in Kansas, 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

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Best non-owner car insurance in Kansas

Although State Farm came out on top, GEICO and Travelers are also excellent choices for providing 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.

The table below compares the top 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

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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++.

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

Non-owners car insurance in Kansas costs $274. However, the rates may differ based on factors such as your driving record, age and coverage level.

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

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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.

Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup 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 shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum policy	$274
Traditional state minimum policy	$434
State minimum car insurance limits	25/50/25

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What does Kansas non-owner car insurance cover?

A Kansas non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Kansas minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply 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 $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.

Shop around to find the best Kansas non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 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++.