Find the Best Car Insurance Quotes & Options in Kansas
In Kansas, average car insurance rates are about $1,147 per year. Kansas has cheaper car insurance rates than many other states, ranking 33rd highest overall for the nation. The current national average cost of car insurance is about $1,311 annually, so drivers in Kansas can save some money in comparison. But though you can get away with just getting a car insurance policy that satisfies the state's minimum coverage requirements, you'll probably want to add more to yours.
A Kansas independent insurance agent can easily help you get equipped with the right kind of car insurance for you. They'll make sure you get every type of coverage necessary to satisfy the state's requirements and your own personal needs. But for starters, here's an extensive breakdown of car insurance in Kansas.
Best Car Insurance Companies in Kansas
There's no need to waste time shopping for car insurance in Kansas from an insurance company that won't meet your needs. So we've gone ahead and compiled a list of the best car insurance companies in Kansas and broken it down by category and type for you. We've included the best Kansas car insurance companies for minimum liability coverage, full coverage, young drivers, drivers with accident histories, and the best overall. Here are just a few of our top picks for car insurance in Kansas.
- Best Kansas Car Insurance Company Overall: USAA
- Best Kansas Car Insurance Company for Minimum Liability: Nationwide
- Best Kansas Car Insurance Company for Full Coverage: Nationwide
- Best Kansas Car Insurance Company for Young Drivers: Nationwide
- Best Kansas Car Insurance Company for Accident History: Nationwide
A Kansas independent insurance agent can help you determine if any of these car insurance companies have the type of auto insurance you need.
Best Kansas Car Insurance Company Overall: USAA
Our first choice for the best Kansas car insurance company overall goes to USAA. USAA is known for combining quality coverage with affordable rates. In Kansas, USAA's "full coverage" auto insurance is no exception. Rates for a full coverage car insurance policy from USAA average $1,320 annually in Kansas.
First founded in 1922, USAA has more than a century of experience in the insurance industry. The carrier was created by a group of Army officers who wanted to insure each other’s vehicles. The carrier has since expanded to servicing millions of customers across the country with a variety of coverage solutions.
In recent years, USAA’s net worth surpassed $35 billion. USAA now has more than 13 million policyholders and 35,000 employees. USAA has also paid out $2.4 billion in returns to its customers over time. The insurance carrier is repeatedly rated highly by major agencies like Moody’s Investors Service and Standard & Poor. AM Best rates USAA an "A++," the highest available, for financial strength.
|Average Monthly Insurance Cost: Car Insurance Policy||Average Annual Insurance Cost: Car Insurance Policy|
Best Kansas Car Insurance Company for Minimum Liability: Nationwide
Our first choice for the best Kansas car insurance company for minimum liability coverage only goes to Nationwide. Nationwide offers car insurance policies that comply with Kansas's minimum state requirements at highly affordable rates. A minimum liability-only policy from Nationwide costs only about $326 annually.
First founded in 1925, Nationwide has been in the insurance industry for almost a century. The company has grown from a small car insurance company to one of the largest insurance and financial services companies across the world. Nationwide now has more than 10,000 employees.
For financial size, AM Best places Nationwide in the $2 billion or greater category. AM Best also awards Nationwide an "A+" or superior rating overall for financial strength. Nationwide also earned an impressive 876 out of 1,000 points on J.D. Power's Customer Satisfaction Survey recently.
|Average Monthly Insurance Cost: Minimum Liability||Average Annual Insurance Cost: Minimum Liability|
Best Kansas Car Insurance Company for Full Coverage: Nationwide
Our first choice for the best Kansas full-coverage car insurance company goes to Nationwide. The carrier provides some of the most affordable "full coverage" auto policies around for drivers in Kansas. "Full coverage" refers to auto insurance policies that have the state's minimum required coverage as well as extras like collision coverage, comprehensive coverage, and more. In Kansas, a full-coverage car insurance policy from Nationwide averages just $768 per year.
|Average Monthly Insurance Cost: Full Coverage Policy||Average Annual Insurance Cost: Full Coverage Policy|
Best Kansas Car Insurance Company for Young Drivers: Nationwide
Our first choice for the best Kansas car insurance company for young drivers, including teens and students, goes to Nationwide. Nationwide offers several discounts for young drivers and families with student drivers on their policies. Car insurance rates from Nationwide annually average just $1,108 for male teens and $1,030 for female teens.
|Average Monthly Insurance Cost: Policy for Young Drivers||Average Annual Insurance Cost: Policy for Young Drivers|
Best Kansas Car Insurance Company for Accident History: Nationwide
Our first choice for the best Kansas car insurance company for drivers with accidents on their records goes to Nationwide. Typically, car insurance rates increase quite a bit after just one accident or traffic violation goes on a driver's record. However, Nationwide helps keep auto insurance affordable for drivers with accident histories, with rates starting at just $1,180 per year.
|Average Monthly Insurance Cost: Drivers after an Accident||Average Annual Insurance Cost: Drivers after an Accident|
Kansas Car Insurance Requirements
Wherever you live and drive, you're required by state law to carry at least the minimum mandated car insurance. Kansas requires drivers to carry at least the minimum car insurance coverages before they can legally hit the road. Drivers who fail to comply with state car insurance laws can face penalties like fines or jail time, or even lose their license. In Kansas, you must carry at least the following coverages:
- Bodily injury liability: In Kansas, this coverage is required in the amounts of $25,000 per person and $50,000 per accident. Coverage pays the costs of medical treatment for another driver and their passengers after an accident you're at fault for.
- Property damage liability: In Kansas, this coverage is required in the amount of $25,000 per accident. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fences, etc., if you damage it with your car.
- Uninsured motorist coverage: In Kansas, this coverage is required in the amount of $25,000 per person and $50,000 per accident. Coverage pays for damage to your vehicle or medical treatment if another driver causes a collision and doesn't have any or enough insurance of their own.
- Personal injury protection: In Kansas, this coverage is required in the amounts of $4,500 in medical expenses, up to $900 for disability or loss of income, $25 daily for in-home healthcare services, $2,000 for funeral, burial, or cremation expenses, and $4,500 for rehabilitation costs. Coverage can pay for your own medical expenses after an accident you're at fault for.
Optional car insurance coverages in Kansas include:
- Collision: This can pay for damage to your own vehicle after an accident you're at fault for.
- Gap coverage: This can pay the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
- Rental car reimbursement: This can pay for a rental car after a covered accident.
- Roadside assistance: This can pay for towing services if you break down on the side of the road.
- Comprehensive: This can pay for expenses after incidents from threats other than collision, including incidents with large animals, windshield breaks, and more.
A Kansas independent insurance agent can help you assemble the right car insurance policy for you.
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Average Cost of Car Insurance in Kansas
Car insurance rates in Kansas are cheaper than the current national average of $1,311 annually. In Kansas, drivers pay about $1,147 per year for auto insurance. However, keep in mind that car insurance premiums vary depending on a number of factors, including the carrier you buy coverage from, the amount and type of coverage you need in your policy, the value of your car, and more. Full coverage policies in Kansas start at about $768 annually from more affordable carriers like Nationwide.
Average Kansas Car Insurance Costs By City
Your car insurance premiums vary down to the city you live in, not just the state. Your town's crime rates, car values, traffic, storm risk, and more all influence your average local car insurance rates. Drivers in Hutchinson pay the highest average rates for car insurance in Kansas, averaging about $1,295 per year. On the flipside, drivers in Manhattan pay only $1,069, on average, for car insurance per year, which is the lowest in the state.
Finding Car Insurance Discounts in Kansas
There are many ways you can save money on car insurance in Kansas. Discounts offered by many car insurance carriers can help you do just that. Depending on the car insurance company you choose, you may be eligible to receive several different car insurance discounts on one policy. Though not all of these may be offered by every car insurance carrier, some common auto insurance discounts in Kansas are:
- Student driver discounts: Offered to customers with households that have a student driver.
- Safe driver discounts: Offered to drivers with a clean track record with no accidents or traffic violations over the past few years.
- Military discounts: Offered to active or even retired military members.
- Anti-theft devices: Offered to customers whose vehicles are equipped with anti-theft devices that add to their security, such as an alarm.
- Paperless billing: Offered to customers who sign up for paperless billing statements.
- Other discounts: If a customer belongs to a certain organization such as a union, group, or the government, or is a teacher, they may earn an additional discount on car insurance premiums.
A Kansas independent insurance agent will automatically check for any car insurance discounts you qualify for to help you save as much money as possible on your premiums.
How to Find the Best Car Insurance Quote in Kansas
A Kansas independent insurance agent is your greatest ally in helping you obtain the best car insurance quote in Kansas. Instead of having to compare rates yourself, your Kansas independent insurance agent automatically shops and compares coverage from several different Kansas car insurance companies for you. They'll present you with only the results that offer the best blend of coverage and cost. Work with a Kansas independent insurance agent to find the best car insurance quote in your area today.
How to File a Car Insurance Claim in Kansas
Filing a car insurance claim in Kansas can be simple when you know exactly what to do. The good news is that your Kansas independent insurance agent can actually file claims directly for you. But if you want to file a claim yourself, the process typically goes like this:
- File a police report: After any type of accident, your first step should always be to call the police, ideally from the scene.
- Treat any injuries: Get medical attention for those who need it, next.
- Call your independent insurance agent: Keep your independent insurance agent in the know about any accidents or other updates that occur.
- Get a rental vehicle: Next, you may need to arrange for a rental vehicle from your insurance company while yours is in the shop.
- Schedule a visit from an adjuster: You'll most likely need to have your vehicle's damage assessed by an insurance adjuster so you can be evaluated for the proper reimbursement amount.
Why not let your Kansas independent insurance agent do the hard work of filing car insurance claims for you? They can even keep you updated with ETAs through every step of the claims process. However, if you decide to file by yourself, you can use these steps to streamline the process.