Best Kansas Auto Insurance in 2024 (Find the Top 10 Companies Here!)
Progressive, Liberty Mutual, and Geico provide the best Kansas auto insurance, starting at just $24 per month. Our goal is to help you compare quotes from these trusted insurers, ensuring you get the best coverage suited to your vehicle, along with customized discounts for your reassurance.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Jul 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
13,128 reviewsCompany Facts
Full Coverage for Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
3,607 reviewsCompany Facts
Full Coverage for Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviews
19,116 reviewsCompany Facts
Full Coverage for Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
Progressive is the top choice for the best Kansas auto insurance, providing extensive coverage at affordable rates starting from just $24 per month with great discounts.
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In partnership with Liberty Mutual and Geico, they provide competitive rates and a range of comprehensive coverage options designed to suit your specific driving needs.
Our Top 10 Company Picks: Best Kansas Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 13% A+ Online Convenience Progressive
#2 12% A Customizable Polices Liberty Mutual
#3 14% A++ Cheap Rates Geico
#4 10% B Many Discounts State Farm
#5 15% A+ Usage Discount Nationwide
#6 11% A+ Add-on Coverages Allstate
#7 15% A++ Military Savings USAA
#8 12% A Student Savings American Family
#9 13% A++ Accident Forgiveness Travelers
#10 15% A Local Agents Farmers
If you’re searching for the state minimum auto insurance requirement, you will find cheap auto insurance policies in the state if you purchase a minimum coverage plan. However, this does not offer the same kind of protection as full coverage. Sometimes, finding the best car insurance in Kansas may not mean finding the cheapest coverage option available. Enter your ZIP code now.
- All drivers in Kansas must carry liability insurance
- In Kansas, full coverage is roughly $24 per month
- Finding affordable insurance becomes difficult with a DUI
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#1 – Progressive: Top Overall Pick
Pros
- Competitive Pricing: In our Progressive auto insurance review, Progressive offers competitive premiums compared to many other insurers.
- Wide Range of Discounts: They provide various discounts such as multi-policy, safe driver, and online quote discounts.
- User-Friendly Technology: Progressive’s website and mobile app are user-friendly, offering easy policy management and claims filing.
Cons
- Average Customer Service: While generally good, customer service can be inconsistent based on customer feedback.
- Limited Agent Interaction: Those preferring in-person agent support may find Progressive’s reliance on online services less appealing.
#2 – Liberty Mutual: Best for Customizable Coverage
Pros
- Customizable Coverage: Liberty Mutual offers a variety of coverage options that can be tailored to individual needs.
- Additional Benefits: They provide additional benefits such as new car replacement and better car replacement coverage.
- Strong Financial Stability: Liberty Mutual has a strong financial rating, indicating stability in handling claims. For further insights, refer to our Liberty Mutual auto insurance review.
Cons
- Higher Premiums: Their premiums tend to be higher compared to some other insurers, which may not be budget-friendly for all.
- Mixed Customer Service Reviews: Customer feedback on service can vary, with some reporting issues with claims processing and support.
#3 – Geico: Best for Cheap Rates
Pros
- Low Premiums: Geico is known for its consistently low premiums, making it a budget-friendly option.
- Strong Financial Stability: They have a strong financial backing, ensuring stability in handling claims and payouts.
- Convenient Online Tools: Geico’s online platform is highly rated for ease of use and efficiency in managing policies and claims.
Cons
- Limited Personalized Service: Geico primarily operates online, which may not cater to individuals who prefer face-to-face interactions with agents.
- Rate Increases: Despite initial low rates, some customers report potential increases upon policy renewal. Read more through our Geico auto insurance review.
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#4 – State Farm: Best for Many Discounts
Pros
- Extensive Agent Network: State Farm boasts a vast network of local agents, providing personalized service and support.
- Comprehensive Coverage Options: They offer a wide range of coverage options, ensuring customization to individual needs.
- Strong Reputation: State Farm has a solid reputation for reliability and customer satisfaction. Find out more in our State Farm auto insurance review.
Cons
- Higher Premiums for Some Drivers: Rates may be slightly higher compared to direct competitors offering similar coverage.
- Limited Online Tools: Their online tools and mobile app may not be as robust or user-friendly as those of some other insurers.
#5 – Nationwide: Best for Usage Discount
Pros
- Affordable Rates: Nationwide offers competitive rates, making it accessible for a broad range of drivers. Read more through our Nationwide auto insurance review.
- Wide Range of Discounts: They provide various discounts such as multi-policy, safe driver, and good student discounts.
- Strong Customer Satisfaction: Nationwide is well-regarded for its customer service and claims handling.
Cons
- Limited Coverage Options: Some customers may find their coverage options slightly less customizable compared to other insurers.
- Regional Variability: Premiums and service quality can vary by region, which may impact overall satisfaction depending on location.
#6 – Allstate: Best for Add-on Coverages
Pros
- Comprehensive Coverage Options: Allstate offers extensive coverage options, including unique features like accident forgiveness.
- User-Friendly Technology: Their website and mobile app are praised for ease of use and functionality. Use our Allstate auto insurance review as your guide.
- Stable Financial Standing: Allstate is financially stable, ensuring reliable claims processing and payouts.
Cons
- Higher Premiums: They tend to have higher premiums compared to some competitors, particularly for certain demographics.
- Mixed Customer Reviews: Customer experiences with Allstate’s claims process and customer service can vary.
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#7 – USAA: Best for Military Savings
Pros
- Low Premiums: USAA consistently offers some of the lowest premiums in the industry. Read more through our USAA insurance review.
- Excellent Customer Service: They are known for their top-notch customer service and high customer satisfaction ratings.
- Exclusive Benefits for Military: USAA provides special benefits tailored for military members and their families.
Cons
- Limited Eligibility: USAA membership is limited to military members, veterans, and their families, excluding the general public.
- Coverage Limitations: Their coverage options may not be as extensive or customizable compared to larger insurers.
#8 – American Family: Best for Student Savings
Pros
- Personalized Service: American Family emphasizes personalized service through their network of local agents.
- Good Coverage Options: They offer a range of coverage options, including unique add-ons like rideshare insurance. Read more through our American Family auto insurance review.
- Strong Community Involvement: American Family is known for its community-focused initiatives and support.
Cons
- Moderate Premiums: While competitive, premiums may be slightly higher than some direct competitors.
- Regional Availability: Coverage and service quality may vary depending on the region, impacting customer satisfaction.
#9 – Travelers: Best for Accident Forgiveness
Pros
- Affordable Premiums: Travelers provides competitive rates, making it an economical choice for many drivers.
- Good Claims Handling: They have a reputation for efficient claims processing and customer support.
- Wide Range of Coverage Options: Travelers offers comprehensive coverage options, including specialized policies for various needs.
Cons
- Customer Service Concerns: Some customers report mixed experiences with customer service responsiveness. Find out more through our Travelers insurance review.
- Limited Online Tools: Their online platform may not offer as many features or be as user-friendly compared to some competitors.
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#10 – Farmers: Best for Local Agents
Pros
- Wide Range of Coverage Options: Farmers, as mentioned in our Farmers auto insurance review, offers a variety of coverage options, including customizable policies to suit individual needs.
- Strong Customer Service: They have a reputation for good customer service and efficient claims processing.
- Local Agent Support: Farmers provides support through a network of local agents, offering personalized assistance.
Cons
- Higher Premiums: Their premiums tend to be on the higher side compared to some other insurers, which may not fit everyone’s budget.
- Discount Availability: Some customers may find fewer discount opportunities compared to larger insurers, impacting overall affordability.
Cheap Full Coverage Kansas Auto Insurance
Cheap Kansas Auto Insurance for Bad Credit
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Cheap Kansas Auto Insurance for Bad Driving Records
Your driving record significantly influences your car insurance rates in Kansas. Maintaining a clean record generally means lower premiums, while having an at-fault accident can increase your rates by almost $700 annually, including comprehensive auto insurance.
Shopping around and comparing quotes online can help you find competitive rates from different insurers in your area. Over time, a clean driving record can lead to automatic reductions in your insurance costs. Regularly reviewing quotes from multiple companies can also help you find cheaper coverage options each year.
Cheap Kansas Auto Insurance for Young Drivers
Frequently Asked Questions
Which company offers the cheapest auto insurance rates in Kansas?
Nationwide offers the cheapest car insurance rates in Kansas. Still, you may find that smaller companies offer more competitive rates in certain areas and when driving without auto insurance.
You’ll likely get different rates depending on where you live, your age, your driving record, and other factors. Therefore, comparing quotes from several companies is best before you make any final decisions on coverage.
How much does car insurance cost in Kansas?
If you live and drive in Kansas, you can expect to pay around $1,647 annually or $137 each month for coverage. Your rates will be impacted by other factors like your ZIP code, credit score, and driving history.
Rates will be lower if you purchase a minimum coverage policy and have a clean driving record. If you want a full coverage policy but need cheaper coverage rates, you may be able to save money by choosing a higher deductible or pursuing discounts with certain car insurance companies.
What’s the best car insurance company in Kansas?
There are several auto insurance providers in Kansas, and any one of them could be your best option for coverage. The only way to know which company is best for you is to compare quotes and coverage options from several providers.
You may want specific coverage options that only certain companies provide. If that’s the case, you’ll want to speak with representatives from different companies to see which one offers the coverage you want at a reasonable price. Enter your ZIP code now.
Can I get a cheap full coverage policy in Kansas?
Full coverage auto insurance or collision insurance costs more than a minimum coverage policy, but you may be able to find competitive rates. Nationwide offers the cheapest full coverage policies on average in Kansas, with an annual cost of around $1,217 or $101 per month. Other options include State Farm, Geico, Farmers, and Progressive.
Can I get cheap auto insurance in Kansas if I have bad credit?
Your credit score can impact your car insurance rates, but some insurance companies offer more competitive rates for individuals with bad credit. Geico offers the cheapest rates in Kansas for someone with bad credit, with an annual cost of around $1,789 or $149 per month. Nationwide, Farmers, State Farm, and Progressive are other options to consider.
Can I get cheap auto insurance in Kansas with an at-fault accident on my record?
Your driving record affects your car insurance rates, and an at-fault accident can increase your rates. State Farm often offers the cheapest rates in Kansas for coverage after an accident, with an annual cost of around $1,679 or $140 per month. Nationwide, Geico, Farmers, and Progressive are also options to explore. Enter your ZIP code now.
Can I get cheap auto insurance in Kansas as a teen or young adult driver?
Teens and young adults usually pay higher rates for different types of auto insurance in Kansas, but some companies offer competitive rates for this demographic. Nationwide offers the most affordable rates in Kansas for teens and young adults, with an annual cost of around $3,183 or $265 per month. Geico, State Farm, Farmers, and Allstate are other options to consider.
Is it illegal to drive in Kansas without insurance?
Yes, it is illegal to drive without Kansas auto insurance coverage.
Is Kansas a no-fault state?
Yes, Kansas is a no-fault auto insurance state. Enter your ZIP code now to begin.
What are the requirements for auto insurance in Kansas?
All Kansas drivers must have liability insurance, uninsured motorist insurance, and PIP insurance given that they are aware of at-fault accident.
How much is liability insurance in Kansas?
Kansas liability auto insurance costs an average of $42/mo.
Is Kansas a PIP state?
Yes, Kansas auto insurance requirements are that all drivers carry PIP insurance coverage. Enter your ZIP code now to start.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
