Best car insurance companies in Kansas

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    Article Highlights

    For drivers looking for the best car insurance in Kansas, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Kansas and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Kansas.

    The average Kansas driver pays $1,567 per year for insurance, which breaks down to about $130 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Kansas and may not reflect your actual premium quote.

    Kansas Quickfacts

    • Cheapest carrier for full coverage in Kansas is Iowa Farm Bureau: $1,044
    • Cheapest carrier for minimum coverage in Kansas is Auto-Owners: $309
    • Carrier with highest customer satisfaction in Kansas: USAA
    • Number of uninsured drivers in Kansas: 7.2%
    • Kansas is on the higher end for car insurance rates

    Average cost of car insurance in Kansas

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,567$1,816$1,905
    Minimum coverage$468$570$670

    Quadrant data services, 2020

    Best car insurance companies in Kansas

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,579$565
    Farmers$1,434$372
    Progressive$1,568$387
    State Farm$1,330$390
    USAA$1,234$371
    American Family$1,758$513
    Auto-Owners$1,257$309
    Shelter$2,858$914
    Sentry$2,753$751
    Iowa Farm Bureau$1,044$337

    Quadrant data services, 2020

    Car insurance rates in Kansas by city

    City Full coverage annual rate Minimum coverage annual rate
    Wichita$1,641$515
    Overland Park$1,489$485
    Kansas City$1,723$532
    Olathe$1,484$479
    Topeka$1,537$444

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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