Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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With so many insurance companies on the market, shopping for car insurance can be challenging. Comparing multiple insurance companies on factors like price, coverage options, discounts, and customer service can help you find the insurer that fits your individual priorities.
To assist you in your search, Insurify analyzed 50 car insurance companies to determine the best auto insurance in Kansas.
Best car insurance companies in Kansas
Kansas drivers have a variety of solid auto insurance companies to choose from. The best car insurance companies in Kansas offer affordable pricing, a range of coverage options and discounts, and a high level of customer satisfaction.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$73/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$96/mo
4.1
Best choiceBased on 11,351 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,071)
Ethline
Verified Review
Insurance Increase
Reviewed in Maryland on July 2025
My only problem with State Farm is the rising cost of my insurance. I've been with them for about 35 years, and my husband had one accident last year, causing the premiums to increase by 100%. What's that about? They've just increased mine as well.
Deidre
Verified Review
Florida Insurance Cost Woes
Reviewed in Florida on July 2025
It seems to be the best price here in Florida. Customer service is lacking. There's no agent to talk to. When we bought the policy, we had an agent who was okay, but he left, and now it is a house account. We would prefer a broker to find us the best rate, but alas, that is lacking in Florida. We feel frustrated and alone in trying to find the best rate. We had a better deal in Arizona.
Jim
Verified Review
Left wanting more for my money.
Reviewed in Ohio on July 2025
They and others are too expensive. I have one homeowner's claim in 37 years of home ownership and still pay too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm was founded in 1922 and is the largest insurance company in the U.S. by market share. State Farm has above-average scores from J.D. Power for customer service and claims satisfaction. Kansas drivers can also benefit from a wide range of discounts and competitive pricing.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region[1]
Above-average J.D. Power claims satisfaction rating[2]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$105/mo
4.9
Best choiceBased on 2,120 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,202)
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
Kenneth
Verified Review
Too long with USAA, apparently.
Reviewed in Florida on July 2025
Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
The United Services Automobile Association (USAA) was formed in 1922 by 25 army officers. Today, USAA is the seventh-largest property and casualty insurance company by market share. USAA insurance products are exclusively available to military members and their families. The company also has the highest customer and claims satisfaction ratings from J.D. Power.
Pros
Save up to 30% with SafePilot program
Top J.D. Power customer satisfaction rating in the Central region
Above-average J.D. Power claims satisfaction rating
Cons
Fewer discounts than competitors
Available only to military members and their families
More customer complaints than expected, according to the NAIC
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$165/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$215/mo
3.8
A solid optionBased on 2,230 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,181)
Cinda
Verified Review
They are fine but expensive
Reviewed in Colorado on July 2025
Overall good.
Cinda
Verified Review
I pay too much a month for car insurance
Reviewed in Colorado on July 2025
The rates are way too expensive.
April
Verified Review
There's cheaper quality insurance
Reviewed in Kansas on July 2025
Find cheaper insurance because Farmers is very expensive and doesn't allow for your rates to go down with good driving, improved credit, and absolutely no accidents or claims.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Getting its start in Los Angeles in 1928, Farmers is now the ninth-largest insurance company according to market share. Farmers offers a wide range of auto insurance coverage options, including accident forgiveness and rideshare insurance. Where Farmers really outshines its competition is in the discount department, with more than 20 discounts available.
Pros
Above-average J.D. Power claims satisfaction rating
Wide range of auto insurance discounts
Online quotes available
Cons
Higher insurance rates than some competitors
Below-average J.D. Power customer satisfaction rating in the Central region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo
4.5
Best choiceBased on 471 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (238)
William
Verified Review
Getting a better rate for car insurance.
Reviewed in California on July 2025
So far, no other insurance company could beat their offer.
Richard
Verified Review
American Family Insurance
Reviewed in Florida on May 2025
Purchased through Costco and it originally saved me a lot of money.
Scott
Verified Review
Check the Fine Details
Reviewed in Oregon on May 2025
My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Starting in 1927, American Family has stood the test of time and today is the 12th-largest insurance company in the country by market share. The company offers a range of car insurance products, including add-ons like gap and rental reimbursement coverage. American Family also received a high score of 4.6 out of 5 stars on Trustpilot.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Online quotes available
Highly rated mobile app
Cons
Below-average J.D. Power claims satisfaction rating
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo
3.1
A solid optionBased on 829 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (442)
Arissa
Verified Review
Expensive fraudulence
Reviewed in Arizona on July 2025
Rates never reduce even for good driving without incidents or accidents. The customer service is atrocious. I canceled and they still tried to pull a $300 payment five days after cancellation and I had to cancel my card because they "couldn't stop it." They told me to allow it to run its course of attempts.
Michelle
Verified Review
Very easy process
Reviewed in Georgia on June 2025
It was really easy to use.
Xochitl
Verified Review
Bait and Switch
Reviewed in New Mexico on May 2025
They attracted me with low monthly payments, but then the rate increased after the first month.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Root, a newer insurance company, got its start in 2015. Root uses an app to determine how safe a driver is. Before you can get insurance, you have to perform a test-drive, where you drive with the Root app in your car for about three weeks. Only the drivers that meet Root’s safety threshold can get insurance. By not insuring unsafe drivers, Root is able to offer more affordable rates.
Pros
Cheap liability auto insurance
Highly rated app
Rates based on your driving ability
Cons
Must undergo a test-drive period to get coverage
Limited history compared to competitors
More customer complaints than expected with the NAIC
Our editorial team analyzed regional and national auto insurance companies that sell policies in Kansas to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Kansas
Here are some things you can do to find the best car insurance in Kansas:
Determine how much coverage you need
Kansas drivers need to meet the mandatory minimum coverage limits, which include liability, personal injury protection (PIP), and uninsured/underinsured motorist bodily injury coverage.[3] If you want additional protection, you can buy an insurance policy that exceeds the minimum coverage requirements or purchase add-ons such as rental reimbursement coverage or excess medical payments coverage.
Read reviews from policyholders
Visit sites like Trustpilot or the Better Business Bureau (BBB) to see what current and former policyholders say about different insurance companies.
Consider customer satisfaction scores
J.D. Power releases customer survey data and ranked lists of insurance companies to help you make important decisions. You can review these rankings to see which insurance companies score the highest for customer satisfaction and claims satisfaction.
Maintain a clean driving record
Having multiple speeding tickets or accidents on your driving record can make you look like a high-risk driver, which can result in higher premiums. A good way to prevent your insurance costs from rising is to maintain a clean driving record.
Improve your credit
Kansas car insurers can use your credit history, among other factors, to determine your premiums. A negative credit history could contribute to a higher insurance rate.
Look for discounts
When comparing companies, you can also look at the available car insurance discounts. Companies offer discounts to help drivers lower the cost of car insurance.
Compare quotes from multiple companies
Prices vary between insurance companies. To find cheap car insurance rates, try to compare quotes from at least three companies before making a decision.
Find Cheap Car Insurance in Kansas
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Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Kansas
The average annual premium for car insurance in Kansas is $1,396, compared to the national average of $1,794.
Kansas drivers pay an average rate of $963 per year for liability insurance and $1,829 for full coverage.
Best car insurance in Kansas FAQs
If you still have questions about car insurance in Kansas, check out the additional information below.
How much is car insurance in Kansas?
Kansas drivers pay an average rate of $80 per month for liability insurance and $152 for full coverage. Compare this to the U.S. averages of $107 per month for liability insurance and $192 for full coverage.
What are the best car insurance companies in Kansas?
The best car insurance company for you will depend on your individual wants, needs, and budget. Some of the top insurance companies in Kansas include State Farm, USAA, and Farmers, according to Insurify research.
What is the required auto insurance coverage amount in Kansas?
The state-minimum requirements in Kansas include $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 per accident for property damage. They also include $25,000 per person and $50,000 per accident for uninsured/underinsured bodily injury.
Drivers must also have personal injury protection that includes the following:
$4,500 per person for medical expenses
$900 per month for one year for disability or loss of income
$25 per day of substitution benefits
$2,000 for funeral, burial, or creation expenses
$4,500 in rehabilitation expenses to train for re-employment
Survivor benefits that include $900 per month for a year for disability or loss of income and $25 per day for substitution benefits
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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