Best Car Insurance in Kansas (2026)
State Farm, USAA, and Farmers are some of the best car insurance companies in Kansas.
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Written byJessica Martel
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
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Edited byChris Schafer
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Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
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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.
As you start your search for a new car insurer, consider these best car insurance companies in Kansas.
State Farm: Best overall
| User Reviews | 4.2 |
|---|---|
| IQ Score 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. | $50/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. | $103/mo |
4.2
Best choiceBased on 17,001 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 11 reviews from Kansas driversSee all 7,377 State Farm reviews
Verified Review
Reviewed in Kansas on March 20, 2026
State Farm has changed a lot since big losses with forest fires and hurricane losses in California and Florida. They "established" their claims department as a separate profit center, and claims are difficult to get done. Home insurance is also very difficult as well. As an example, five homes around my home have had their roofs replaced due to hail damage. I have been with them for thirty years, and the company is not the same. Profits are driving all decisions! Getting quotes to change.
Verified Review
Reviewed in Kansas on February 26, 2026
I am still with State Farm for my autos.
Verified Review
Reviewed in Kansas on December 9, 2025
They are really easy to work with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Cons
No accident forgiveness
Payoff Protector (gap) coverage restricted to customers who originate an auto loan through State Farm Bank
More customer complaints than expected, according to the National Association of Insurance Commissioners (NAIC)
USAA: Best for military members
| User Reviews | 4.3 |
|---|---|
| IQ Score 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. | $54/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 |
4.3
Best choiceBased on 3,407 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.1 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.1 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,531 USAA reviews
Verified Review
Reviewed in Texas on April 12, 2026
USAA was the perfect fit for me. They had lower rates than any other agency. I’m retired and like to have lower rates because I drive 1,000 miles per year. So, I’ll stay with USAA as long as they are the best for people who drive less than working people.
Verified Review
Reviewed in Washington on April 12, 2026
Way too expensive. We are retired and don't drive much.
Verified Review
Reviewed in Michigan on April 12, 2026
I have had USAA Insurance for years and have never had a problem with it. When I have had to make a claim, it is handled expeditiously and the company has always worked with me. I love having them as my insurance company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 fifth-largest auto insurer in the U.S. by market share. USAA insurance products are exclusively available to active-duty military members, veterans and their respective family members. The company also has the highest customer and claims satisfaction ratings from J.D. Power.
Pros
Save up to 30% with SafePilot telematics program
Top J.D. Power customer satisfaction rating in the Central region
Above-average J.D. Power claims satisfaction rating
Cons
Does not have local insurance agents
Coverage restricted to members of the military community
More customer complaints than expected, according to the NAIC
Farmers: Best for discounts
| User Reviews | 3.8 |
|---|---|
| IQ Score 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. | $112/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. | $230/mo |
3.8
A solid optionBased on 2,400 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.6 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 3 reviews from Kansas driversSee all 1,120 Farmers reviews
Verified Review
Reviewed in Kansas on March 3, 2026
Expensive car insurance, but cheaper house insurance and cheaper umbrella. As a result, a combo of the three makes them competitive with other companies.
Verified Review
Reviewed in Kansas on September 29, 2025
We've been with them for almost six years. Never had an accident or traffic violation, but our policy continues to increase.
Verified Review
Reviewed in Kansas on July 22, 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.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.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).
AWhy we picked this company
Getting its start in Los Angeles in 1928, Farmers is now the seventh-largest U.S. auto insurer by 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
Doesn’t offer 24/7 customer service
American Family: Best for customer satisfaction
| User Reviews | 4.1 |
|---|---|
| IQ Score 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. | $59/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. | $121/mo |
4.1
Best choiceBased on 615 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 267 American Family reviews
Verified Review
Reviewed in Ohio on April 4, 2026
Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.
Verified Review
Reviewed in Oklahoma on April 4, 2026
They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.
Verified Review
Reviewed in Washington on March 31, 2026
Everything was good, I just found better coverage at a cheaper price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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).
AWhy we picked this company
Established in 1927, American Family has stood the test of time and today is the eighth-largest insurance company in the country by market share. The Wisconsin-based super-regional 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
Fewer discounts than some competitors
Only available in 19 states
Root: Best for cheap liability insurance
| User Reviews | 3.5 |
|---|---|
| IQ Score 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. | $61/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. | $117/mo |
3.5
A solid optionBased on 1,254 verified driver reviews and ratings
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 2.9 | 3.6 |
| Discounts | 3.1 | 2.9 |
| Policy transparency | 2.9 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 5 reviews from Kansas driversSee all 522 Root reviews
Verified Purchase
Reviewed in Kansas on March 15, 2026
So simple to sign up.
Verified Review
Reviewed in Kansas on March 12, 2026
Very good and best pricing we have found.
Verified Purchase
Reviewed in Kansas on January 24, 2026
Good rate provided.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93A.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).
NRWhy we picked this company
Root, an insurtech 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
Company has no financial strength rating from AM Best or other third parties
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
Check quotes from 120+ top insurance companies
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4.7 out of 5 based on 13,478 reviews
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Average cost of car insurance in Kansas
The average annual premium for car insurance in Kansas is $1,309, compared to the national average of $1,678.
Kansas drivers pay an average rate of $873 per year for liability insurance and $1,745 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 $73 per month for liability insurance and $145 for full coverage. Compare this to the U.S. averages of $97 per month for liability insurance and $183 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
Sources
- J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
- J.D. Power. "Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds."
- Kansas Insurance Department. "Auto Insurance Shopper's Guide."
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert