Best car insurance companies in Kansas
Many highly rated regional and national insurers serve Kansas drivers, but the best insurance company is the one that best accommodates your needs at a price that fits your budget. Compare rates, discounts, coverage levels, and customer service ratings to determine the insurer right for you.
“Auto insurance is the most competitive insurance market in the U.S. Insurers want to grow their market share, and prices can vary greatly between carriers,” says Mark Friedlander, corporate communications director for the Insurance Information Institute.
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best car insurance overall: State Farm
A well-known insurer serving all 50 states, State Farm has a strong financial rating from A.M. Best and the lowest monthly premiums for full-coverage policies in Kansas, at $81 per month, according to Insurify data. Discount options like the Drive Safe & Save app and Steer Clear program could help drivers of all ages lower their rates over time.
With the low rates that “cheap” auto insurers often promote and an established industry track record on par with other national competitors, State Farm is a solid overall choice for auto insurance, though some drivers may desire more from the limited discount categories available.
Pros
Lowest average full-coverage premiums in Kansas
A++ (Superior) A.M. Best rating for financial strength
Multiple discount options for drivers of all ages
Cons
Fewer overall discounts compared to some competitors
Payoff Protector feature won’t pay off past-due balances or interest owed on totaled vehicles
Drive Safe & Safe program guarantees a discount, but your driving habits could cause premium increases
Best cheap car insurance in Kansas: USAA
USAA offers an extensive range of auto insurance products, including pay-as-you-drive insurance. It also has one of the lowest average rates for full-coverage insurance in Kansas, at $89 a month, according to Insurify data.
Although some other insurers may offer slightly lower rates for coverage, the cheapest insurer isn’t always the best. If you’re a member or family member of someone in the armed forces, USAA’s A.M. Best rating, discounts, and membership perks provide both extra value and peace of mind.
Pros
Some of the lowest full-coverage rates in the state
Extensive insurance product offerings
A++ (Superior) A.M. Best rating
Cons
Only for military members and their families
No 24/7 live customer service
No rideshare coverage available
Most affordable car insurance in Kansas: Midvale Home & Auto
Midvale Home & Auto has the lowest liability coverage on average in Kansas, at $80 per month, according to Insurify data. An affiliate of American Family Insurance, Midvale Home & Auto may offer some of the lowest rates in Kansas due to its nine discount incentives. Midvale Home & Auto also offers comprehensive car insurance coverage.
Unfortunately, the company isn’t highly rated through the Better Business Bureau (BBB), and some drivers in Kansas may find cheaper rates or more discounts elsewhere.
Pros
Offers discounts for bundling home and auto policies
Lowest liability-only coverage available, on average
Provides optional coverages, like emergency roadside assistance and loan/lease gap insurance
Cons
Doesn’t have the cheapest full-coverage policies in Kansas
Few unique discounts compared to some competitors
Low BBB rating and not BBB accredited
Best for farmers: Farmers Alliance
Established in Kansas in 1888, Farmers Alliance has an intimate knowledge of the insurance needs both drivers and farmers in Kansas require. Farmers Alliance offers diverse insurance products, including auto, farm auto, and farmowner policies. More than 850 independent insurance agencies across the region can provide you with a policy.
Pros
Offers auto, farming, and farm auto insurance
Business-owner policies and commercial auto policies available
A (Excellent) rating from A.M. Best
Cons
Available in only 8 states
Must communicate through an independent agent
Website doesn’t specify any available discounts
Best for small-business owners: GEICO
GEICO is a well-known national insurer that provides auto coverage as well as business insurance. Auto coverages include everything from liability to optional coverages, while its business insurance offerings include general liability insurance and professional liability insurance.
GEICO offers policyholders a number of discount opportunities. It also has one of the lowest average premiums for full coverage in Kansas, at $124 per month, according to Insurify data.
Pros
Offers both auto and business insurance products
Auto coverage available in all 50 states
A++ (Superior) A.M. Best rating
Cons
Other large insurers may offer lower rates
No gap insurance available
Doesn’t provide business insurance directly
Best for families: American Family
With family right in the name, American Family Insurance is a great choice for families in Kansas. At $96 per month on average, premiums for full-coverage policies are substantially lower than the state average of $179. American Family has a high A.M. Best financial strength rating, too.
An advantage to American Family policies is the number of available family-specific discounts. Drivers throughout the household may qualify for savings from customer loyalty, multi-vehicle, good driving, low mileage, and generational discounts.
Pros
Offers one of the lowest average full-coverage policies in the state
Multiple coverage options and discounts designed for diverse family needs
A (Excellent) A.M. Best rating
Cons
Teen driver discount can be removed if traffic violations or at-fault accidents occur
Only drivers age 55 and older are eligible for defensive driving discounts
Coverage not available in all states
Best for students: Auto-Owners Insurance
From high school students living at home to college students living away from their hometown, Auto-Owners Insurance offers a number of discounts for young drivers, such as discounts for good grades, teen driver monitoring discounts, and discounts for college students living more than 100 miles from home without a vehicle.
Auto-Owners has an A+ rating with the BBB and affordable full-coverage insurance policies, which average $105 per month.
Pros
Offers specific discounts for students
Has one of the lowest full-coverage premiums in Kansas
A++ (Superior) A.M. Best rating
Cons
At-fault accident forgiveness requires maintaining a clean policy for three years
Available in only 26 states
Other competitors may offer more discounts
Best for commuters: Travelers
Depending on your commute to and from work, Travelers may offer drivers some of the best options for full-coverage insurance, at $140 per month on average. Travelers has an A++ (Superior) financial strength rating from A.M. Best and is a well-known company in the insurance industry.
Lower premiums than the state average, optional accident forgiveness plans, and discounts for safe-driving habits are among Travelers’ benefits for commuters.
Pros
Lower monthly premiums than state average
Coverage options include accident forgiveness
Multiple discounts available, including safe driver, hybrid/electric car, and new-car savings
Best for high-risk drivers: Dairyland
Founded in 1953, Dairyland provides auto insurance to high-risk drivers in nearly every state. This insurer helps high-risk drivers secure coverage even when they have poor or no credit and driving histories. It can provide SR-22 filings and has comparatively cheaper average rates for high-risk drivers than other high-risk insurers, like The General and Bristol West.
For instance, drivers in Kansas with Dairyland policies may pay an average of $211 per month for full-coverage insurance with a clean driving record, $283 for full coverage with a speeding ticket, $302 for full coverage with an at-fault accident, and $420 for full coverage with a DUI.
Pros
Lower average premiums for high-risk drivers than some competitors
Provides no-fee SR-22 filings
Won’t cancel your policy if your insurance lapses because of a missed payment
Cons
Offers limited discounts compared to competitors
Higher rates across all driving histories than many competitors
Offers homeowners/renters insurance discounts but not coverage
How Insurify’s experts used internal proprietary data to rate the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.
The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service’s database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.