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Cheap Auto Insurance in Kansas: Best Companies & Quotes
Depending on where you live in Kansas, you might receive better rates for your car insurance. It’s not a guarantee, but you can save more money if you know how to find better rates, how to apply for discounts, and how you can improve your own life to help you with your car insurance premiums. The average amount for a car insurance premium is just over $1,300. This is among the high-end of insurance premiums in the USA, but it’s not a promise you’ll pay this much. Many of the people who live in Kansas including Wichita, KS pay far less, and many pay more. It’s time to get to know what affects your insurance rates more than anything.
Best Car Insurance Companies in Kansas
- American Family
- State Farm
- Farm Bureau
|American Family||Allstate||Geico||State Farm||Progressive||Farm Bureau|
|AM Best Financial Strength Rating||A||A+||A++||A++||A+||A|
|JD Power 2019 Overall Customer Satisfaction score||4/5||4/5||4/5||3/5||3/5||N/A|
|Avg Annual Premium||$475||$767||$1,072||$486||$586||$435|
|Consumer Reports Reader Score||89||72||78||78||75||90|
|BBB Rating||A||A+||A+||A+||A+||Not Rated|
Auto Insurance Statistics in Kansas
According to NAIC.org, the auto insurance premiums in Kansas appear significantly lower than reported national averages. For drivers in Kansas, this means that the cost of insuring their vehicles is much more affordable than in other areas of the country.
Top 10 Cheapest Car Insurance Companies in Kansas
|Rank||Company Name||Avg. Annual Premium|
|1||Farm Bureau Mutual||$1,081|
|9||National Farmers Union P&C||$1,536|
Drunk Driving Fatalities
Reports from The National Highway Traffic Safety Administration show that there was an decrease in drunk driving fatalities in Kansas in 2017. Traditionally, the rates have remained fairly consistent below the national average. The NHTSA has done a tally of the number of drunk driving fatalities in Kansas vs. nationwide.
Drunk driving fatalities in Kansas from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Kansas has remained below the national average and is also lower than adult drinking and driving across the country. The below statistics represent the percentage of drivers that are teenagers who are drinking and driving in Kansas when compared with national averages.
Teen Drinking & Driving in Kansas vs. Nationwide (2017)
SR-22 Insurance in Kansas
In the state of Kansas, there are various reasons that you might have to purchase SR-22 if you want to drive a vehicle after a license suspension. The length that you will need to have an SR-22 policy on file will depend on the reason that your license was originally suspended. In most cases, you will need the policy for at least 12 months.
No matter what you do, it’s important to shop around before you decide on an SR-22 policy. While some insurance providers will allow you to switch your policy to this form of insurance, others will require you to apply for a new policy altogether. As SR-22 insurance can be much more expensive than traditional insurance, it’s always a good idea to compare rates.
Car Theft in Kansas
When examining car thefts in Kansas from the years 2012 to 2016, it appears that Kansas has been higher than the national average, excluding 2013. The below data shows how Wichita, Kansas and the nearby cities rank against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Kansas
Uninsured Motorists in Kansas
Driving with underinsured and uninsured motorist coverage can help protect drivers who are in an accident where the other party has no insurance. Instead of paying out of pocket for damage caused by underinsured or uninsured motorists, the insurance policy would cover these damages. The below data shows how well Kansas ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
What Affects Your Rates?
There are various factors that help your insurance company determine what you pay each year for your vehicle. The most important is the vehicle itself. The best way to pay the least amount of money for insurance is to choose a car that’s newer, that is bigger, that doesn’t have a particularly large engine, and one that’s not found on the list of most stolen vehicles. It’s also helpful to live in an area of Kansas where the economy is good and the crime rate is low.
Low socioeconomic neighborhoods tend to boast more uninsured drivers. This is risky, so you pay more for your own insurance. It’s not fair to pay more to be insured when others aren’t paying for insurance at all, but it’s the way the industry works for so many drivers. What you do for a living also has a profound effect on what you pay for insurance. The less stressful your job, the less dangerous your career, and the closer you are to the office means you’ll pay less money for insurance because you’re on the road less often.
Your age also affects your rates. Young women and older men are typically better drivers, which is why their rates are lower. This also speaks to how much your gender affects your rates. Getting married, having a baby, buying a new car, and a few other factors can also help your insurance rates drop, so now is a good time to consider if you’ve done any of those in the recent months. Let your insurance company know if you have.
You’ll also need to have a clean driving history and a good credit score. Both are used to determine what kind of risk you are for an insurance company. You’ll pay more to work with these people, so you want to be sure you’re making good decisions and positively affecting your insurance rates.
Insurance in Kansas
There is no guarantee you’ll find the lowest rate at the same company as someone else at any company. That said, USAA, Allied, State Farm, American Family, and Auto-Owners have the best reputation in Kansas for having the lowest rates for their drivers. This is where you want to start. If you’re already a policyholder with any of these companies, call and ask for a discount. You have a good chance of receiving one if you’re a good customer who never misses payments or makes late payments, and if you’re someone who has a clean driving record.
Types of Auto Insurance Coverage in Kansas:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Kansas
There are minimum requirements for car insurance in the state of Kansas. According to the Kansas Insurance Commissioner, it is mandatory to have at least liability coverage for every registered driver who is operating a vehicle in the state as well as uninsured/underinsured motorist coverage and personal injury protection.
Liability Coverage minimums for the state of Kansas:
$10,000 for property damage
$25,000 per single bodily injury or death
$50,000 per multiple bodily injury or deaths
Personal Injury Protection (PIP or No-Fault):
$2,000 to cover funeral, burial or cremation expense
$4,500 per person
$4,500 for rehabilitation
$25/day for in-home care
Source: Kansas Insurance Commissioner
New Driver License Requirements
Motorists in Kansas will need to have a standard driver license in order to drive in the state legally. However, in Kansas, there are exceptions for operating farm equipment. Any new drivers who are under 17 will be required to get a Graduated Drivers License. According to Kansas Law, there are several different license requirements at various stages. The Kansas Department of Revenue will outline all of the licensing requirements for Kansas drivers.
In order to receive either a standard or graduated license, a Kansas driver must complete the vision, written, and road tests. Information for the knowledge test can be found in the Kansas Driver’s Manual.
Cheap Auto Insurance Discounts
Auto insurance discounts are one of the best ways to find legitimate deals on car insurance rates. We have gathered a list of discount auto insurance offers that you can use to lower your auto insurance rates. Browse the list below to see if you can apply any of the discounts to lower your car insurance rates in Kansas.
- Anti-theft discount
- Bundling insurance policies discount
- Mature driver discount
- Military or Veteran discount
- Car safety features discount
- Senior citizen discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Kansas Car Insurance
This section covers general questions you have about car insurance in Kansas. Use it to get a good foundation so you can move on to more specific questions.
What does 50/50 mean in car insurance in Kansas?
50/50 describes your limits for coverage. It describes the per person and per accident coverage in thousands of dollars. 50/50 means $50,000 per person and $50,000 per accident limits.
How to get car insurance paper in Kansas?
You can get your car insurance card by contacting your insurance company whether by phone or getting it from your local car insurance agency. Also, nearly every company can email your card so you can print it off yourself immediately.
What is full coverage auto insurance in Kansas?
Full coverage generally refers to comprehensive coverage for your vehicle as well as state minimum liability protection in one insurance policy when it comes to auto insurance in Kansas. There are a number of companies offering cheap insurance full coverage options.
When did Kansas become a no-fault auto insurance state?
Kansas has been a no-fault auto insurance state since at least 2013. They are one of 12 states in the country that mandate no-fault car insurance.
Who makes the decision on what type car insurance you get in Kansas?
In almost every situation, you do. The courts can mandate you get additional insurance if you’re convicted of certain driving crimes and lenders may require comprehensive insurance if you’re financing a car.
How does Kansas car insurance work?
Kansas is a no-fault insurance state. That means you’re entitled to first-party insurance benefits regardless of who’s at fault in an accident. You need to have a minimum of $25,000/$50,000/$10,000 for per person bodily injury, per accident bodily injury, and per accident property damage. If you are in a branch of the armed services look into the best car insurance for military members.
How does Kansas no-fault auto insurance work?
Kansas’s no-fault auto insurance means that your insurance company is required to give you first party insurance benefits no matter who is at fault in an accident. They’re one of 12 states in the country that require no-fault insurance.
What happens if you don't have car insurance in Kansas?
Driving without insurance in Kansas results in different penalties depending on how many times you’ve been convicted of that offense. The first offense will get you a fine of $300-$1,000, no more than 6 months in jail, loss of registration until you have proof of insurance, and a $100 reinstatement fee. The second offense causes the fine to go up to $800-$2,500, up to 1 year in jail, and a $300 reinstatement fee for registration. Third and habitual offenders will face a fine of $800-$2,500, 1-2 years in jail and a $300 reinstatement fee.
What Is the most common auto insurance coverage in Kansas?
The most common coverage for Kansas auto insurance is the state legal minimum liability insurance, which is $25,000 for bodily injury per person, up to $50,000 per accident, and $10,000 for property damage. To get the cheapest rates be sure to compare car insurance quotes.
What Is considered full coverage auto insurance in Kansas?
Full coverage in Kansas is generally considered to be a combination of state minimum liability coverage and comprehensive coverage that covers damages to your car. Related: Is a 1000 deductible car insurance best?
Kansas Car Insurance Laws
This section answers the questions you have about Kansas car insurance laws.
What is Kansas minimum liability required for auto insurance?
Kansas requires a minimum liability of 25/50/10. That means $10,000 for property damage and $25,000 per person for bodily injury, up to $50,000 per accident. Many people opt for liability only auto insurance to keep costs down.
In Kansas, when do you have to get car insurance on your teen?
You should check your insurance policy to be sure, but most policies will cover your teen while they’re a student driver and you’re in the car. You’ll need to add them to an insurance policy or get them their own policy when they get their license. Many people succeed in finding cheap auto insurance for teens by doing a bit extra work comparing quotes.
What does insurance for Kansas say about loaning a car?
Your car insurance covers liability for situations when you occasionally loan your car to someone. However, if someone is frequently borrowing your car, then you may need to add them as a driver on your policy. Sometimes people will look at temporary auto insurance companies if they think they will be using a vehicle for a long enough but short period of time.
In Kansas, when car is totaled, does insurance pay for car or cost of repair?
Insurance companies pay about 75% of the actual cash value of the car when they total it out from an accident. That’s the same number as the maximum they’ll spend on repairs.
How long does Kansas law allow for car insurance payouts?
You have two years to initiate a lawsuit over your car insurance payout. That means you’ll need to contact a lawyer to file a case before that time period is up.
How long do you have to make an auto insurance claim in Kansas?
You can make an auto insurance claims for up to two years from the date of the accident in Kansas. After that you won’t be able to file any claim from the accident.
What is the base car insurance Kansas requires?
Kansas requires $25,000 in personal injury coverage per person, up to $50,000 per accident. It also requires $10,000 in property damage protection. Look at our car insurance comparison tool to see all the minimums.
How long do I have to transfer insurance to a new car Kansas?
You need to have proof of insurance for a car when you go to register it in Kansas. You have 30 days to transfer your registration from your old car to your new car according to state law. However, depending on your policy, your new car may or may not be covered by your old insurance. There are ways to get same day car insurance if you really need it right now though. Since you’re shopping you may want to see what car has the cheapest insurance.
What do I need to get car insurance in Kansas?
You need your driver’s license number (state ID number for non-owner policies), the driver’s license number for anyone that will be driving the car regularly, and the VIN of the car. Once you have all this gathered use our form to shop for cheap online car insurance.
Is car inspection required when I switch car insurance to state of Kansas?
You don’t need a car inspection for insurance when you move to Kansas, but you will need an inspection to get your registration. The Kansas Highway Patrol handles vehicle examinations.
What Is the Fine for Not Having Car Insurance in Kansas?
The fine for the first offense is $300-$1,000. The second and subsequent offenses will cost $800 – $2,500. You may also face jail time and reinstatement fees. Even if you don’t own a car you may need to get non owners car insurance if you’re driving very much.
Kansas Car Insurance Prices
Price is the thing that most people want to know about when it comes to Kansas car insurance. We’ll answer your questions about pricing here.
Why is auto insurance so high in Kansas?
One of the main factors driving the cost of car insurance in Kansas is the fact that it’s a no-fault insurance state. That means insurance companies have to pay out for claims more often, and so they charge customers more.
How much is car insurance per month in Kansas?
The average price per month for car insurance in Kansas is $58.20. However, this price can change a lot depending on where you live and other factors.
Who has the cheapest car insurance in Kansas?
While everyone’s rates will be different because of lots of different factors, on average American Family has the cheapest rates, with an average annual rate of $897. State Farm is second with an average annual cost of $940, and Farmers comes in third with average annual rates of $1,007.
Who has the best auto insurance rates in Kansas?
American Family generally has the cheapest auto insurance rates in Kansas. However, you might also get a good deal from State Farm or Farmers depending on where you live and your specific driving history.
Who has the lowest car insurance rates in Kansas?
That depends on your situation. American Family has the lowest rates for many people, but Travelers has the best rates for those with a clean driving history and those looking for the legal minimum coverage. Ask them if they offer a car insurance without deposit option.
Why do auto insurance companies in Kansas charge more for a policy if you had a suspended license?
A suspended license means that you’re statistically more likely to file a claim with the insurance company. That means they charge higher rates to offset the risk they’ll have to pay out. If may be best to find someone local in which case doing a simple search for car insurance companies near me should yield plenty of results.
What is the best auto Insurance company in Kansas?
That depends what you’re looking for in an auto insurance company. If you qualify, then USAA has the best overall service and rates. American Family has the lowest average rates for Kansas drivers, and Travelers offers the best rates for people with a good driving record. Some reviews say Safe Auto car insurance is good as well.
How to get cheap car insurance in Kansas?
The best way to get cheap car insurance in Kansas is to make sure you’re not paying for more insurance than you need. That means getting a state minimum liability policy. You should also take advantage of ways to lower your insurance cost. Taking a driving class is one of the best ways to lower the cost of your insurance. Learn more about how to insure a car.
What is the best car insurance in Kansas?
American Family is the best car insurance in Kansas on average. However, Travelers is the best option for people with a good driving history and those who are only looking for the state legal minimum requirements. For classic insurance there are different options with companies that specialize in just this.
How much is car insurance in Kansas for an 18-Year old?
Kansas fits very closely to the national average when it comes to car insurance prices. For 18-year-olds, the average price of Kansas auto insurance is $4,817.92 per year.
How much is car insurance for a 20-year old female in Kansas?
Insurance rates for females in Kansas that are about 20 years old average around $2,000. However, your driving record and car will contribute a lot to your quote. Take a look at the average cost for car insurance for other categories.
How much is car insurance in Kansas for a new driver?
For teens with their own policy, the average cost for a 16-year-old driver is $6,196.57 in Kansas. This drops by about $800 per year until the driver is in their early 20’s. Read more: How much is car insurance for a new driver?
How much is car insurance for a 16-year old in Kansas?
A 16-year-old in Kansas will pay, on average, $6,196.57 per year for car insurance. You can get a cheaper rate if you’re added as a secondary driver on your parent’s policy.
What is the insurance break for senior citizens on car insurance in Kansas?
There’s no state mandated car insurance break for senior citizens in Kansas. However, depending on other factors, you may be able to qualify for senior citizen discounts from specific companies. Check out the best car insurance for senior citizens.
Kansas Car Insurance Coverage + Claims
This section answers questions you have about car insurance coverage and claims in the state of Kansas.
How does car under insurance in Kansas work in a fatality?
Your car insurance will pay up to your policy limit for fatalities if you are found to be at-fault in the accident.
When borrowing a friend's car, whose insurance covers in Kansas?
That depends. Your liability insurance will cover damages to other people and property. However, their car insurance will cover costs for repairs to their car.
When does the state of Kansas cancel car insurance?
In Kansas, car insurance companies can cancel your insurance after 60 days for nonpayment of premiums. They don’t have to cancel your policy at this point, but they are allowed to.
Can the police make the decision on what type car insurance you get in Kansas?
The police cannot, but the courts can. Courts can mandate that you have specific kinds of car insurance if you’re convicted of certain crimes.
Car accident in Kansas without cops - how do you claim insurance?
You can claim insurance the same way you would in any other situation. Insurance companies are prepared to deal with this situation. After all, there are situations where police can’t write an accident report, for example if the accident was on private property.
What happens If you do not call auto insurance company in Kansas after accident?
Your insurance company is likely to find out about the accident from police reports or when they are contacted by other insurance companies that have an interest in the case. They may deny your claim, depending on the wording in your policy.
What happens if you get in a car accident without insurance in Kansas?
If you get into an accident without car insurance in Kansas, then you’ll face criminal penalties for driving without insurance. You’ll also be responsible for any bodily injury and property damage you’re at fault for.
How to get temp motorcycle insurance for test drive?
You’ll need to contact your insurance company to see about getting one-day insurance if you need insurance for your test drive. When you’re ready to get permanent coverage we can asist you with a motorcycle insurance quotes comparison.
Other Kansas Car Insurance Questions
We’ll cover questions that don’t fit into our other categories in this section.
What does Kansas require when I keep my car that insurance totaled?
You’ll need to get a salvage title from the Kansas Department of Revenue if you want to keep your car once it’s been totaled. Your insurance company can also deduct the salvage amount from your total loss statement.
What happens to the title when I keep my car that insurance totaled in Kansas?
The title that you had is no longer valid. Instead, you’ll need to go to the Kansas Department of Revenue to get a salvage title. Related: What car insurance companies cover salvage titles?
How to report auto insurance fraud in Kansas?
The best way to report auto insurance fraud in Kansas is to contact the Kansas Insurance Department. They’ll investigate and turn any cases over to the relevant authorities.
How do cops check auto insurance in Kansas?
Police in Kansas have access to a database of insurance coverage. Insurance companies notify the state when your policy starts or ends. The state uses that information to update the database.
How to cancel auto liability insurance Kansas?
You’ll need to check with your specific auto insurance company to find out how to cancel your coverage. Keep in mind that state law requires you to have a minimum liability coverage to drive legally.
How to file a complaint against an auto insurance company in Kansas?
You can file a complaint against an auto insurance company in Kansas by contacting the Kansas Insurance Department. They handle licensing and will investigate your claims.
How to deal with at fault insurance company in Kansas for a personal injury car accident?
Your best option in this situation is to contact a lawyer. The attorney will know the best way to proceed to ensure you get the payment that you’re owed.
How can you get insurance on a car without a driver's license in Kansas?
Yes you can get car insurance with no license and this is generally called a non-owner policy. You’ll have to provide the information for the people that will be mainly driving the car and the rates will be set based on their information.
How to get SR22 insurance quotes after a DUI?
Some companies will let you just get a quote on their website. For example you can get sr22 quotes on our website. You should compare quotes to get the cheapest rates.