- 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
- Average cost of non-owner car insurance in Kansas
- Non-owner car insurance in Kansas by age and gender
- Non-owner vs. traditional car insurance
- What does Kansas non-owner car insurance cover?
- 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.
| 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
Although State Farm is the best overall choice, GEICO and Travelers are also excellent options for non-owner car insurance 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 | 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
Explore our top recommendations for non-owner car insurance in Kansas.
State Farm
Our top choice for non-owner car insurance in Kansas is State Farm, with an average rate of $178 for liability coverage. State Farm holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.7.
GEICO
GEICO is another great option for non-owner car insurance in Kansas, with average rates of $94 per year. It has an AM Best rating of A++ and a low 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-owner car insurance in Kansas costs $274 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
Non-owner car insurance in Kansas by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Kansas.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Kansas by 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 |
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 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 |
What does Kansas non-owner car insurance cover?
A Kansas non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Kansas, but it won't cover any damage to the vehicle you're driving.
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
Drivers in Kansas may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.
Non-owner car insurance in Kansas costs an average of $274, with GEICO offering the lowest rates. Our analysis found that State Farm is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your 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.
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++.
Compare Kansas non-owners car insurance rates with other states
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