Best Car Insurance in Kansas for 2025 [Find the Top 10 Companies Here]
The best car insurance in Kansas is offered by State Farm, Geico, and Progressive. State Farm minimum coverage premiums begin at $26 per month. These companies are known for affordable rates, excellent customer service, and extensive coverage, which makes them top options for auto insurance in Kansas.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Mar 13, 2025
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19,116 reviewsCompany Facts
Full Coverage in Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsState Farm, Geico, and Progressive offer the best car insurance in Kansas, starting at $56 per month.
When selecting a provider, it is important to weigh factors like discounts, customer service, and policy features. Comparing Kansas auto insurance rates can help you find the right coverage, whether you’re looking for Kansas City car insurance or coverage elsewhere in the state.
Our Top 10 Company Picks: Best Car Insurance in Kansas
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Customizable Coverage | Progressive |
 | #4 | 25% | A+ | Comprehensive Options | Allstate |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 20% | A | Bundling Discounts | Farmers |
 | #7 | 25% | A | Flexible Policies | Liberty Mutual |
 | #8 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #9 | 25% | A | Home Bundling | American Family |
 | #10 | 13% | A++ | Competitive Rates | Travelers |
For more details on car insurance options, check out why you need car insurance. See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
- State Farm offers the best car insurance in Kansas, at $81 monthly
- Geico and Progressive also offer competitive rates with flexible coverage
- Kansas drivers should compare discounts and coverage to save
#1 – State Farm: Top Overall Pick
Pros
- Excellent Support: State Farm provides a quick and effective customer service experience, making it the best provider of cheap car insurance in Kansas.
- Affordable Full Coverage: State Farm’s full coverage plan is available for around $81 per month, providing an affordable plan for Kansas drivers.
- Discount Options: Our State Farm car insurance review has listed several discount options, including bundling and multi-car, to make saving easier.
Cons
- Lower Bundling Savings Than Competitors: While State Farm offers a 17% discount, other providers like Geico and Allstate provide up to 25% on Kansas auto insurance policies.
- Limited Options for High-Risk Drivers: Kansas drivers with prior accidents or DUIs may find more affordable coverage with other insurers that specialize in non-standard policies.
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#2 – Geico: Best for Affordable Rates
Pros
- Affordable Minimum Coverage: Geico offers cheap auto insurance in Kansas that drivers can rely on, with minimum coverage starting at $24 per month.
- Wide Range of Discounts: Geico provides a 25% bundling discount and savings for good drivers, students, and military members.
- Strong Financial Reputation: With an A++ A.M. Best rating, Geico ensures reliable claim handling, as noted in the Geico car insurance review.
Cons
- Limited Local Presence: Geico operates mainly online, which may not suit Kansas drivers who prefer in-person service.
- Higher Full Coverage Rates: Geico’s full coverage costs $75 per month, higher than USAA’s $56 for eligible members.
#3 – Progressive: Best for Customizable Coverage
Pros
- Flexible Coverage Options: Our Progressive car insurance review finds that Kansas drivers can personalize policies with add-ons such as accident forgiveness and rideshare coverage.
- Affordable Full Coverage: Progressive’s rates for full coverage, at $127 per month, are competitive compared to other companies, making it a good provider of car insurance in Kansas.
- Safe Driver Rewards: Kansas drivers can save on their premiums with Progressive’s’ Snapshot program by providing safe driving practices.
Cons
- Higher Minimum Coverage Costs: Progressive’s minimum coverage, at $41 per month, is more expensive than Geico and USAA’s, which may be a drawback for budget-conscious drivers.
- Slow Claims Process: Some drivers report delays in Progressive’s claims approval and settlement times.
#4 – Allstate: Best for Comprehensive Options
Pros
- Bundling Savings: Kansas drivers who combine their vehicle and home insurance with Allstate can save up to 25%.
- Comprehensive Coverage: Includes accident forgiveness, rental reimbursement, and new car replacement.
- Strong Financial Stability: According to Allstate car insurance review, an A+ rating from A.M. Best ensures reliable claim payouts for Kansas drivers.
Cons
- High Premiums: Allstate’s full coverage costs $160 per month, higher than many Kansas competitors.
- Discount Restrictions: Some savings, such as those requiring telematics enrollment, have strict eligibility criteria, limiting options for Kansas City auto insurance.
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#5 – USAA: Best for Military Families
Pros
- Best Rates for Military Families: The car insurance quotes in Kansas begin at $18 for minimum coverage and $56 for full coverage, offering the best rates to military families.
- Top-Tier Customer Satisfaction: USAA has always been highly ranked in the handling of claims and customer relations, with the best service quality.
- Strong Financial Security: With an A++ A.M. Best rating, USAA can give peace of mind in having quick and guaranteed claim payouts.
Cons
- Membership Restrictions: USAA car insurance review shows coverage is available only to military members, veterans, and their families in Kansas.
- Limited Physical Locations: As USAA primarily operates online, it has fewer physical service centers available for in-person support.
#6 – Farmers: Best for Bundling Discounts
Pros
- Solid Bundling Discounts: Bundle your auto and home policies to save up to 20 percent with Farmers, an especially great option for those looking for a great value.
- Custom Coverage Options: Farmers also offer many coverage choices, such as rideshare insurance and accident forgiveness, for different needs.
- Strong Local Agent Network: Farmers has a well-established presence in Kansas, making it easy to get KS car insurance quotes.
Cons
- Higher Minimum Coverage Rates: Rates start at $46/month, and their basic coverage costs more than those of other providers like State Farm ($26) and Geico ($24).
- Basic Digital Experience: The online tools and apps are less advanced than those of Geico or Progressive, as noted in our Farmers car insurance review.
#7 – Liberty Mutual: Best for Flexible Policies
Pros
- Diverse Policy Add-Ons: Kansas drivers can opt for add-ons like accident forgiveness, gap insurance, and rental car reimbursement.
- Strong Discount Potential: Our Liberty Mutual car insurance review recommends a 25% bundling discount along with discounts for being a safe driver.
- Reliable Claims Support: A. M. Best gives them an A rating for financial strength and a fast claim settlement process.
Cons
- Highest Minimum Coverage Cost: At $56 per month, it exceeds the average cost of car insurance in Kansas, making it pricier than many top insurers.
- Customer Service Complaints: Some Kansas policyholders report delays in claims processing and support issues.
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#8 – Nationwide: Best for Vanishing Deductible
Pros
- Dwindling Deductible: Kansas drivers with good driving records can lower their deductible after many years, according to our Nationwide car insurance review.
- Cost-Effective Comprehensive: At $92 per month, Nationwide’s cost is more reasonable than the competition’s; hence, it offers competitive Kansas car insurance quotes.
- Reliable Financial Backing: With an A+ rating from A.M. Best, it will help the insured rest assured about claims service.
Cons
- Limited Agent Network: Unlike State Farm or Farmers, Nationwide has fewer physical service locations, which could be a downside for those who prefer in-person support.
- Fewer Discount Options: Compared to competitors like Geico or Liberty Mutual, Nationwide offers fewer savings opportunities, limiting your potential for lower rates.
#9 – American Family: Best for Home Bundling
Pros
- Significant Bundling Savings: Drivers in Kansas can enjoy savings of up to 25% by bundling home and auto insurance, making it a great option for those looking to combine coverage.
- Moderate Full Coverage Rates: At $114 per month, it’s more affordable than Liberty Mutual but pricier than Progressive.
- Well-Rated for Customer Service: American Family earns high marks for claims handling and policyholder satisfaction, as discussed in our American Family car insurance review.
Cons
- Limited Kansas Availability: American Family is not as widely available as major brands like Geico and Progressive.
- Mobile App Lacks Advanced Features: The app offers fewer features than competitors, which could be a drawback for those seeking car insurance quotes in Kansas City, KS.
#10 – Travelers: Best for Competitive Rates
Pros
- Affordable Full Coverage Rates: At just $87 per month, Travelers provides more budget-friendly full coverage than Allstate and Liberty Mutual for drivers in Kansas City, KS.
- Strong Financial Stability: Travelers’ car insurance review shows its commitment to reliable and swift claim payouts, with an A++ A.M. Best rating.
- Comprehensive Coverage Options: It offers great add-on options like accident forgiveness, new car replacement, and gap insurance to protect the traveler’s mind.
Cons
- Limited Discounts: Travelers does not have as many discount opportunities as Geico and Liberty Mutual.
- Limited Local Presence: Travelers have fewer in-person locations than State Farm and Farmers, especially in car insurance in Kansas City, KS.
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Kansas Car Insurance Coverage and Rates
Kansas drivers need car insurance. Distressingly, 7.2% of motorists are uninsured, and finding the correct policy can be difficult if one doesn’t know how car insurance works.
Kansas Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $51 | $160 |
| $36 | $114 |
| $46 | $144 |
| $24 | $75 |
| $56 | $174 |
| $29 | $92 |
| $41 | $127 |
| $26 | $81 |
| $28 | $87 |
| $18 | $56 |
Finding the correct auto insurance quotes from Kansas providers is key, and rates vary according to driving history, vehicle type, and coverage level, so compare them for the best deal.
Some vehicles qualify for lower premiums due to safety features, while others may cost more to insure. Exploring multiple providers helps you balance affordability and protection for your needs.
Best Car Insurance Discounts in Kansas
Kansas drivers can save on car insurance through discounts from leading providers. The cheapest car insurance companies like State Farm, Geico, and Progressive offer savings for bundling policies and maintaining a clean driving record.
Car Insurance Discounts From the Top Providers in Kansas
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Good Student, Homeowner, Early Signing, Pay-in-Full, New Car, Vehicle Safety Features, Auto Pay, Smart Student |
| Multi-Policy, Safe Driving, Good Student, Bundling, Claims-Free, Low Mileage, Home Renovation, Car Safety Features, Young Adult, e-Policy |
| Multi-Policy, Good Driver, Claims-Free, Bundling, Homeowner, 55 and Older, Student Away at School, Pay-in-Full, Home Security System |
| Multi-Policy, Good Student, Military, Safe Driver, Emergency Deployment, Federal Employee, New Car, Membership Discounts, Online Quote |
| Multi-Policy, Homeowner, New Car, Safe Driving, Student Away at School, Early Signing, Hybrid/Electric Vehicle, Advanced Safety Features |
| Multi-Policy, Safe Driver, Good Student, Homeowner, Defensive Driving Course, Claims-Free, Family Legacy, e-Policy, Paperless Billing |
| Multi-Policy, Snapshot Program, Homeowner, Paid-in-Full, Continuous Coverage, Online Quote, Multi-Car, Teen Driver, Advanced Safety Features |
| Multi-Policy, Safe Driver, Good Student, Steer Clear, No Accidents, Vehicle Safety Features, Homeowner, e-Policy, Bundling Discounts |
| Multi-Policy, Safe Driver, Homeowner, New Car, Discount for Hybrid/Electric Vehicles, Claims-Free, Pay-in-Full, e-Policy, Home Security System |
| Multi-Policy, Good Student, Military, Safe Driver, Vehicle Storage, Long-Term Policyholder, Membership Discounts, Claims-Free, Auto Pay |
Additional discounts are available for students, homeowners, and military personnel. Some insurers also offer savings for paying in full, using paperless billing, or enrolling in usage-based programs like Progressive’s Snapshot.
The savings depend on eligibility and available discounts. For instance, good student discounts can cut premiums by 21%, while paying in full may save around 10%.
Kansas Report Card: Car Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Student Discount | A | 21% | State Farm, Allstate, Progressive, GEICO |
| Paid-in-Full Discount | B | 10% | Geico, Allstate, Progressive |
| Low Annual Mileage Discount | C | 8% | Allstate, State Farm, Geico |
Low-mileage drivers can qualify for an 8% discount. Kansas drivers should compare rates and inquire about savings to get the best deal on their KS auto insurance.
Driving in Kansas: Understanding Accident Statistics and Claims
Statistics from accidents in Kansas are essential determinants on which type of car insurance coverage to get. Wichita has reported the highest number of accidents at 7,018 annually, with 2,418 claims.
Kansas Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Kansas City | 3,379 | 890 |
| Olathe | 1,837 | 415 |
| Overland Park | 2,806 | 752 |
| Topeka | 2,811 | 565 |
| Wichita | 7,018 | 2,418 |
Common claims include rear-end collisions (40%), side-impact collisions (25%), and single-vehicle accidents (15%). Hit-and-run and pedestrian accidents make up smaller portions of claims.
These trends help drivers select suitable Kansas car insurance rates for better coverage. Understanding accident frequencies allows drivers to prepare for risks.
5 Common Car Insurance Claims in Kansas
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Rear-End Collisions | 40% | $3,000 |
| Side-Impact Collisions | 25% | $4,000 |
| Single-Vehicle Accidents | 15% | $5,000 |
| Hit-and-Run Incidents | 10% | $6,000 |
| Pedestrian Accidents | 10% | $10,000 |
Awareness of other risks, such as vehicle theft and traffic congestion, helps drivers make informed choices. It can also lead to savings on Kansas car insurance rates while ensuring adequate protection.
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Additional Car Insurance in Kansas
In Kansas, Kansas auto insurance mandates uninsured/underinsured motorist coverage and PIP, unlike many other states. How the states rank on uninsured drivers shows that 7.2% of Kansas motorists are uninsured, highlighting the need for coverage.
Loss Ratios Over Time (2012–2014)
| Loss Ratio | 2012 | 2013 | 2014 |
|---|---|---|---|
| Medical Payments (MedPay) | 99.61% | 90.94% | 72.5% |
| Uninsured/Underinsured Motorist Coverage (UUM) | 67.63% | 66.72% | 73.92% |
| Personal Injury Protection | 64.66% | 60.79% | 59.61% |
If an uninsured driver causes an accident, they may lack the funds to cover damages. A loss ratio indicates the number of claims paid against those denied, and it can be used to evaluate the financial soundness of an insurer.
A loss ratio greater than 100% indicates potential bankruptcy, while a loss ratio less than 50% may indicate overcharging. It is essential to analyze loss ratios when choosing an insurer for financial stability.
Kansas Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Cheapest Insurance Provider | A | USAA offers ~$912/year for military, GEICO for non-military |
| State Minimum Coverage | B | 25/50/25 liability, plus PIP and uninsured motorist coverage |
| Factors Affecting Rates | C | Weather risks increase accident rates and insurance costs |
In Kansas auto insurance, a loss ratio ranges between 50% and 100%. USAA offers low premiums for military members, while GEICO provides competitive rates for non-military drivers.
Finding the Best Kansas Car Insurance Companies
Choosing the right car insurance company with many available options can be challenging. You need a provider that offers fair pricing, excellent service, and hassle-free claims.
Follow these five steps to find the best coverage in Kansas.
- Determine Your Coverage Needs: Kansas requires liability insurance, but additional coverage like collision, comprehensive, or uninsured motorist protection can offer extra security.
- Check Customer Satisfaction Ratings: Look through car insurance in your state and independent reviews to identify insurers known for dependable claims handling and customer care.
- Research Complaint Records: Review consumer reports and government agency data to identify companies with high complaint rates.
- Compare Multiple Quotes: Gather Kansas auto insurance quotes from at least three providers to find the best balance of cost and coverage.
- Choose a Top-Rated Provider: To ensure quality coverage, select a company based on satisfaction ratings, complaint history, and pricing.
Compare different options and learn about your insurer’s reputation to make the best choice. Begin searching today to find the right car insurance for your vehicle.
Kansas Minimum Coverage Requirements
In Kansas, drivers must have minimum liability insurance coverage, including bodily injury and property damage. The state follows a no-fault insurance system, where drivers file claims with their own insurer, regardless of fault.
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Kansas requires $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Personal injury protection (PIP) is also required for medical expenses and lost income.
State Farm is the top choice for car insurance in Kansas, offering full coverage starting at $81 per month, along with excellent customer support and various discounts.
Jimmy McMillan Licensed Insurance Agent
Uninsured motorist coverage of $25,000 per person and $50,000 per accident is mandatory. When comparing car insurance rates by state, including car insurance rates in Kansas, ensure your policy meets these minimums.
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Affordable Providers of the Best Car Insurance in Kansas
For the best car insurance in Kansas, compare rates from popular companies such as State Farm, Geico, and Progressive for competitive pricing with excellent service. State Farm ranges from $81 monthly to fit most people’s budgets. With auto insurance in KS from companies like Geico and Progressive, you can find excellent rates and flexible coverage.
Check out insurance guides to understand coverage options and discounts that can help reduce your premiums while ensuring adequate protection. See if you’re getting the best deal on car insurance by entering your ZIP code.
Frequently Asked Questions
What are the top-rated car insurance companies in Kansas?
State Farm, Geico, and Progressive are highly rated for customer service, affordability, and customizable coverage. Look at our 10 best car insurance companies for expanded insights.
How can I reduce my Kansas auto insurance rate?
Drivers can reduce premiums by qualifying for discounts like low mileage, good student, or bundling home and auto policies. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
What’s the difference between liability and full coverage in Kansas?
Liability insurance protects against bodily harm and property damage to others, whereas full coverage includes protection such as comprehensive and collision insurance for your car.
How does the no-fault system affect car insurance in Kansas?
Kansas is considered a no-fault state, where the driver submits a claim with their insurance firm regardless of fault in the accident. Dive into our the different types of car insurance coverage to gain a deeper insight.
Are there unique car insurance options for military families in Kansas?
USAA offers specialized car insurance with lower premiums and exclusive benefits for military families in Kansas.
How do weather-related accidents affect car insurance in Kansas?
Weather-related accidents, like hailstorms or flooding, can raise premiums for drivers with coverage for these incidents.
How does a vehicle’s safety rating affect Kansas insurance premiums?
Cars that have earning safety ratings are eligible to obtain lower premiums. This is because the probability of risky accidents will be very low. Read more in our Safety car insurance review.
Can I adjust my coverage based on how much I drive in Kansas?
Yes, usage-based insurance policies, like Progressive’s Snapshot, adjust premiums based on actual driving habits.
How do Kansas car insurance rates compare to other states?
Kansas car insurance rates are generally lower than the national average, making it an affordable state for coverage. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
What’s the impact of an accident on my car insurance in Kansas?
Accidents can raise premiums, but accident forgiveness or a clean driving record may result in smaller increases. Check out the things you do that can raise your premiums.