Best Car Insurance Companies in Kansas 2022 | Quotes, Discounts

The right deal on car insurance can be sweeter than Kansas’s barbecue and just as smoking hot. Insurers build their rates based on various factors, including your age, location, and driving record. To help you find the best car insurance rates from top insurance providers, we've put several insurers on the grill only to serve up the best offerings in the state of Kansas.

In this article, you'll find the top seven companies in Kansas with a combined average rate of $157 per month, which is $77 cheaper than the national average of $234 per month, representing savings of $924 per year. While you're putting money squarely back in your wallet, enjoy your shopping experience at Insurify and its average rating of 4.8/5 from 2,900+ reviews. Insurify is the #1 highest-ranked insurance comparison tool in the U.S., and many Kansans use it to find the best rates in the Sunflower State.

Best Car Insurance Companies 2022

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Top Car Insurance Companies: Find the Right One for You

You saw the list above of the top seven companies, but what benefits does each of them offer, and how do you find out which is best for you? Below, you'll find strengths, top discounts, and a price breakdown for the most common types of drivers.

And while you do your homework, here are the insurance requirements that every insurance policy must meet in Kansas, also known as the state minimum coverages:

• Liability coverage

• $25,000/person and $50,000/accident for bodily injury liability

• $25,000/accident for property damage liability

• Personal injury protection

• $4,500/person for medical expenses

• $900/month for one year for disability/loss of income

• $25/day for in-home services

• $2,000 for funeral, burial, or cremation expense

• $4,500 for rehabilitation expense

• Survivor Benefits: Disability/loss of income up to $900/month for one year

• In-home services up to $25/day for one year

• Uninsured/underinsured motorist coverage

• $25,000/person

• $50,000/accident

1

Nationwide

Nationwide is "on your side" if you're looking for a one-stop shop for all your insurance needs. If you want a company with solid name recognition and special programs like telematics and accident forgiveness, then get a quote from this insurer. Customers with good credit will also find an exceptionally affordable deal with Nationwide.

Top discounts that the company offers include multiple policy, family, and farm bureau.

Here are the average monthly costs for most types of drivers in Kansas.

2

Safeco

Safeco is owned by another company on our list, Liberty Mutual. But it's a separate brand with its own unique insurance coverages and market segment. Rideshare drivers will find competitive Kansas auto insurance rates with Safeco. If you want to bundle your renters or home insurance, then Safeco could also be an attractive option.

Top discounts that the company offers include good credit, multiple vehicle, and low mileage.

Below are Safeco's numbers for various drivers, and those over 60 are getting a surprisingly good deal.

3

Liberty Mutual

Liberty Mutual, along with LiMu Emu & Doug, wants to make sure you're not paying for anything you don't need. That's especially easy if you have a clean driving record and want to lock in discounts with Liberty's telematics device, RightTrack. If you don't want something beyond your control to bump up your rates, you can take advantage of creative ways to save, such as Liberty's accident forgiveness and its other leading discounts.

Top discounts that the company offers include advance shopper, driving training, and RightTrack.

Take a look at Liberty's average monthly costs in Kansas.

4

Travelers

What was the first company to offer travel insurance, multiple insurance products, or an auto insurance policy? Yep, it's Travelers. If finding a trusted company is a significant must-have for you, try this insurer. It also excels for Kansans who add their spouses, teen drivers, or other young drivers to their auto insurance policy.

Top discounts that the company offers include safe driver, continuous coverage, and good payer.

Travelers had the lowest price for those with average credit, so folks with poor credit might find a deal in the rates below, too.

5

State Auto

People in the Sunflower State love State Auto. Maybe it's because the company caters to folks who want multiple types of policies, all from the same company. It also rewards the safest drivers with juicy price breaks - make sure you snag the good driver discount. If customizing your policy to precisely the coverage you want is essential (like changing your deductible), then you might want to try State Auto.

Top discounts that the company offers include multiple policy, good driver, and early quote.

State Auto's average monthly costs give all kinds of Kansans a reason to smile.

6

Bristol West

Bristol West may not have the same name recognition as its parent company, Farmers, but it still enjoys all the benefits of being backed by one of the largest insurance companies in the nation. Bristol West specializes in folks with a less-than-perfect driving history. If a DUI makes you need to file an SR-22, you should get a quote from Bristol West. The company also brings home the personal touch for those who want to visit a local agent.

Top discounts that the company offers include good driver, switching providers, and preferred payment discounts.

Here are Bristol West's average monthly costs for six of the most common types of drivers in Kansas.

7

SafeAuto

If you want no-frills, cheap car insurance, why not make the safe choice? Safe Auto’s insurance products are often lauded for their affordability. It also does an excellent job of serving the one out of 13 Kansas who require bilingual service as Spanish speakers. If you want straightforward service at a great price, try Safe Auto.

Top discounts that the company offers include multiple vehicles, switching providers, and homeowners discounts.

Below are Safe Auto's prices, with a significantly low rate for those over 60.

Average Monthly Cost of Car Insurance in Kansas

Kansas is one of few places where even the big cities have a small-town charm. There are six cities with over 100,000 people, specifically Wichita, Overland Park, Kansas City, Olathe, Topeka, and Lawrence. Generally, densely populated areas have higher prices because more traffic means more accidents and claims.

How to Determine the Best Car Insurance Company for Yourself

In Kansas, so much of car insurance comes down to the options you choose. For example, those with a full-coverage policy with liability, comprehensive coverage, and collision coverage will pay more than those with liability insurance only. However, good drivers can usually find a deal. They just hand over a little more if they drive a Ferrari rather than a Toyota.

In the past, the only way to save a buck on your auto insurance was to spend countless hours on the phone, online, or in person trying to track down the best deals. Insurify has streamlined the process with an online comparison tool that factors in all the most relevant criteria to your specific situation. Things like your driving record, age, driving experience, location, coverages, vehicle model, coverage limits, and credit score are all put into an algorithm, allowing you to find the best quotes from 10+ companies in a matter of minutes.

Once you find a price you like and coverages that give you the protection you need, you simply get the insurance policy that makes the most sense. Insurify is fast, free, and finance-friendly so you can spend less time on insurance, save on average $585 per year, and get back to the barbecue.