The best car insurance companies in Kansas for 2024 are Travelers, Nationwide, Geico and State Farm. This list is determined by analyzing the companies’ annual car insurance premiums, financial stability and customer satisfaction ratings.
Use our guide to find the right insurance company for your needs and budget. Navigate your insurance options in Kansas with confidence to choose the best car insurance company.
Our take
Travelers is the best car insurance company in Kansas. With an A++ financial rating from AM Best and competitive rates, it is an ideal choice for those seeking affordability and comprehensive coverage.
Travelers’s car insurance costs an average of $1,601 annually. Its J.D. Power score is 797/1,000 and its overall rating is 3.54 out of 5.
Based on CarInsurance.com’s analysis, Nationwide provides the most affordable car insurance premiums at $1,316 annually.
Check out our experts recommendations for the best car insurance coverage
What are the best car insurance companies in Kansas?
When it comes to finding the right car insurance, Kansas drivers have many top-rated companies to choose from. Whether you’re looking for the best overall experience, the most affordable rates or exceptional customer service, there’s an insurer that meets your needs.
Here’s a breakdown of the best auto insurance companies in Kansas by category.
| Category | Company |
|---|---|
| Best overall | Travelers |
| Most affordable | Nationwide |
| Highest customer satisfaction | Shelter Insurance |
| Best for teen | Travelers |
| Best for young adults | Travelers |
| Best for adults | Travelers |
| Best for seniors | Travelers |
You might also like
- Non-owner car insurance in Kansas: Find affordable rates
- Liability insurance for Kansas drivers
- Minimum car insurance requirements in Kansas
- Kansas car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Kansas?
- Cheap car insurance for seniors in Kansas
- Car insurance discounts in Kansas; 13% potential savings
- What’s the cheapest car insurance in Kansas?
- How much does car insurance cost in Kansas?
Compare the best auto insurance companies in Kansas
Comparing car insurance companies is important in finding the best policy that suits your specific requirements. Insurance rates can vary significantly from one company to another based on how they assess risk.
By comparing quotes, you can find affordable rates and potentially save money on your premiums. To make it easier, we’ve analyzed the best car insurance companies in Kansas. The table below shows the best auto insurance providers for Kansas drivers.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $1,601 | A++ | 797 | 0.49 | 3.54 |
| Nationwide | $1,316 | A+ | 792 | 0.64 | 3.42 |
| Geico | $1,622 | A++ | 819 | 0.91 | 3.27 |
| State Farm | $1,976 | A++ | 833 | 0.70 | 3.26 |
| Progressive | $1,937 | A+ | 803 | 0.65 | 3.09 |
| Farmers | $1,992 | A | 819 | 0.80 | 2.89 |
| Shelter Insurance | $2,230 | A | 851 | 1.18 | 2.70 |
| Allstate | $2,968 | A+ | 806 | 0.65 | 2.55 |
Best car insurance companies by age group in Kansas
As you age, your driving habits and insurance needs change, influencing your car insurance rates and the type of coverage you require. The best insurer for a teen is likely not the best choice for a senior, as each age group has unique needs and priorities when it comes to auto insurance.
Teenagers, viewed as high-risk due to their inexperience, often benefit from policies with extensive coverage options, digital tools and discounts for good grades and safe driving habits. Seniors, on the other hand, might prioritize higher liability limits and prefer personalized customer service.
Additionally, while teen drivers’ insurance needs change rapidly as they gain experience, seniors typically focus on maintaining comprehensive coverage as they age. Thus, the best insurer for one may not meet the unique requirements of the other.
Select your age group and coverage level below to see the list of best car insurance companies and their annual average rates.
| Company | Annual rates | Customer satisfaction rating |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Check out our detailed guide on average car insurance rates by age group
Best for teen drivers in Kansas
Teen drivers often face higher insurance premiums because of their increased risk and limited driving experience. According to the Centers for Disease Control and Prevention, teen drivers are more prone to misjudging or failing to notice risky situations compared to older drivers.
They are also more likely to make serious mistakes that can result in major accidents. In 2022, a report from the Insurance Institute for Highway Safety revealed that 2,883 teenagers aged 13 to 19 lost their lives in car accidents.
Travelers stands out for its affordable rates for teen drivers. It offers car insurance at $4,190 per year.
To determine the best car insurance companies for teen drivers, we considered several factors to ensure a thorough evaluation. Each company’s overall score is based on a weighted analysis of four primary factors:
- The average annual full-coverage car insurance cost (25%)
- J.D. Power score (30%)
- AM Best rating (25%)
- NAIC rating (20%)
Each factor is given a specific percentage weight according to how well the companies performed in each category.
Based on our analysis, here are some of the top choices for teens aged 16-19:
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $4,190 | A++ | 797 | 0.49 | 3.65 |
| State Farm | $5,112 | A++ | 833 | 0.7 | 3.43 |
| Nationwide | $3,923 | A+ | 792 | 0.64 | 3.42 |
| Geico | $5,074 | A++ | 819 | 0.91 | 3.26 |
| Progressive | $7,610 | A+ | 803 | 0.65 | 2.88 |
| Farmers | $6,741 | A | 819 | 0.8 | 2.83 |
| Allstate | $9,900 | A+ | 806 | 0.65 | 2.55 |
| Shelter Insurance | $6,381 | A | 851 | 1.18 | 1.82 |
Best for young adults in Kansas
Young drivers must find the right insurance company, as they usually encounter higher premiums due to their perceived risk. According to an analysis by the National Safety Council, drivers aged 20 to 24 were involved in 7,300 fatal crashes in 2022, which accounts for 11.2% of the total number of drivers involved in these incidents.
Companies like Travelers and Nationwide offer affordable rates for those aged 20-24 in Kansas.
To compile our list of the best car insurance companies for young adults in 2024, we evaluated four factors: average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%). Each factor has been assigned a specific percentage weight to calculate overall performance.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $2,350 | A++ | 797 | 0.49 | 3.60 |
| Nationwide | $2,054 | A+ | 792 | 0.64 | 3.42 |
| State Farm | $3,106 | A++ | 833 | 0.70 | 3.28 |
| Geico | $2,699 | A++ | 819 | 0.91 | 3.22 |
| Progressive | $3,000 | A+ | 803 | 0.65 | 3.12 |
| Farmers | $2,613 | A | 819 | 0.80 | 3.07 |
| Allstate | $4,831 | A+ | 806 | 0.65 | 2.55 |
| Shelter Insurance | $3,675 | A | 851 | 1.18 | 1.67 |
Best for adult drivers in Kansas
For those aged 25 to 60, choosing car insurance means weighing factors such as coverage options, customer service and premium costs. These factors are important in finding the best insurer.
For adult drivers, Travelers is the best choice for car insurance in Kansas. It provides full coverage at an average yearly cost of $1,612 and has an overall rating of 3.52, the highest among the companies analyzed.
We have considered four different factors to curate a list of the best car insurance companies for adult drivers. These factors consist of average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%).
Experienced drivers are generally considered low-risk compared to younger drivers. This age group typically benefits from lower insurance premiums due to their experience and lower accident rates.
Below is a list of the best insurance companies in Kansas for adults aged 25-60 and annual premiums.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $1,612 | A++ | 797 | 0.49 | 3.52 |
| Nationwide | $1,281 | A+ | 792 | 0.64 | 3.42 |
| State Farm | $1,968 | A++ | 833 | 0.70 | 3.25 |
| Geico | $1,641 | A++ | 819 | 0.91 | 3.24 |
| Progressive | $1,952 | A+ | 803 | 0.65 | 3.07 |
| Farmers | $1,908 | A | 819 | 0.80 | 2.92 |
| Allstate | $2,972 | A+ | 806 | 0.65 | 2.55 |
| Shelter Insurance | $2,150 | A | 851 | 1.18 | 1.73 |
Best for senior drivers in Kansas
Travelers provides the cheapest car insurance premiums among the companies analyzed at an average cost of $1,401 a year. It is an affordable option for senior drivers.
Insurance rates tend to increase for drivers around age 70 and older. This rise is due to insurers’ perception of increased risk associated with aging. Factors like slower reflexes, poor eyesight and a higher likelihood of health issues that could affect driving ability contribute to this perception. As a result, seniors may see their premiums increase, despite having years of driving experience and possibly a long history of safe driving.
Determining the best car insurance companies for senior drivers requires a comprehensive analysis of several factors. Each insurer’s overall score is derived from a weighted analysis of four important factors: the average annual cost of full-coverage car insurance (25%), the J.D. Power score (30%), the AM Best rating (25%) and the NAIC rating (20%).
The best auto insurance companies in Kansas are listed below for senior drivers aged 65-75.
| Company | Monthly cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $117 | A++ | 797 | 0.49 | 3.55 |
| Nationwide | $92 | A+ | 792 | 0.64 | 3.42 |
| State Farm | $148 | A++ | 833 | 0.70 | 3.29 |
| Progressive | $150 | A+ | 803 | 0.65 | 3.09 |
| Geico | $155 | A++ | 819 | 0.91 | 3.07 |
| Farmers | $156 | A | 819 | 0.80 | 2.88 |
| Allstate | $247 | A+ | 806 | 0.65 | 2.55 |
| Shelter Insurance | $150 | A | 851 | 1.18 | 1.86 |
Learn more about how to shop for car insurance for seniors
Best overall car insurance company in state
Please enter the correct format
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via How do I choose the best insurance company based on my driver profile in Kansas?
The right insurance company for you is significantly influenced by your driver profile. Here’s how to choose the right insurer based on your specific needs:
For budget-conscious drivers in Kansas
Look for car insurance companies that offer discounts, including safe driver, multi-policy and automatic payment discounts, to reduce your premiums. And you can opt to pay your premiums monthly, semi-annually or annually.
Find the best insurance companies and their annual rates for different coverage levels listed below in Kansas.
| Company | State-minimum | Liability-only | Full coverage |
|---|---|---|---|
| Nationwide | $416 | $383 | $1,316 |
| Travelers | $398 | $423 | $1,601 |
| Geico | $263 | $296 | $1,622 |
| Progressive | $458 | $520 | $1,937 |
| State Farm | $335 | $388 | $1,976 |
| Farmers | $576 | $674 | $1,992 |
| Shelter Insurance | $562 | $585 | $2,230 |
| Iowa Farm Bureau | $371 | $393 | $2,289 |
| Allstate | $767 | $824 | $2,968 |
| USAA | $226 | $252 | $1,151 |
Notes:
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
- State minimum car insurance is 25/50/25.
For high-risk drivers in Kansas
High-risk drivers, such as those with multiple traffic violations or DUIs, should seek insurers specializing in high-risk policies. Work on improving your driving record. Attend defensive driving courses or consider driving a safer, less risky vehicle. These changes can help lower your rates over time.
High-risk status isn’t permanent. As your driving record improves and your risk profile changes, regularly compare insurance rates and options.
| Company | 6-month cost | Annual cost |
|---|---|---|
| Nationwide | $1,007 | $2,014 |
| Travelers | $1,135 | $2,270 |
| Progressive | $1,317 | $2,633 |
| Geico | $1,339 | $2,678 |
| State Farm | $1,557 | $3,114 |
| Farmers | $1,628 | $3,256 |
| Allstate | $2,005 | $4,010 |
| USAA | $874 | $1,748 |
By understanding specific driver profiles and doing proper research, high-risk drivers can find an insurance company that meets their needs and provides the best value.
In conversation with experts
CarInsurance.com editors interviewed James Brau, Joel C. Peterson, professor of finance at Brigham Young University. See his responses below.
How important is customer service when deciding the right car insurance company?
Customer service is critical – it should be one of the top factors consumers consider. All else equal, meaning similar premiums, coverage, riders, etc., customer service is often the deciding factor. If a customer gets to speak to a cheerful human without 10 minutes of robot phone trees, especially when stressed out after a wreck or theft, it makes life a lot better.
What are the key factors that consumers should consider when selecting a car insurance company in their state?
Customers should do research pertaining to coverage, premiums, reputation, how many stars on reviews, etc. Make sure to compare apples to apples – that you’re getting the same coverage amounts, for example. Shop around – competition helps the consumer.
How often should policyholders review and adjust their car insurance policies?
Every six months is a good rule of thumb because most people pay in semi-annual installments. If you keep your company on its toes, they are more likely to stay competitive and offer special pricing, deals, incentives, etc.
Frequently asked questions
What is the average cost of car insurance in Kansas?
The average cost of car insurance in Kansas is $1,900 per year. This rate can vary based on factors such as the driver’s age, driving history and coverage limit.
How much car insurance coverage do I need in Kansas?
When determining how much car insurance you need in Kansas, it’s important to consider the legal requirements. The minimum coverage required in Kansas typically includes $25,000 in bodily injury per person, $50,000 in bodily injury per accident and $25,000 in property damage liability.
Beyond Kansas’s-required minimums, you should consider purchasing higher liability limits if you have significant assets to protect. Experts recommend that you purchase full coverage car insurance with limits of 100/300/100 with a $500 collision/comprehensive deductible.
This means:
- $100,000 in bodily injury liability per person. This coverage pays for injuries that you, as the policyholder, cause to one person in an accident.
- $300,000 in bodily injury liability per accident: This is the total amount that your insurance will cover for injuries per accident, covering costs if multiple people are injured.
- $100,000 in property damage liability per accident: This covers damage that you cause to another person’s property in an accident.
These higher limits are recommended because they provide more comprehensive protection against financial losses. It’s also wise to consider factors such as your driving habits, vehicle value and financial situation when choosing coverage limits.
Which company has the cheapest car insurance rates in Kansas?
Based on CarInsurance.com’s data analysis, Nationwide offers the cheapest car insurance for Kansas drivers at $110 a month or $1,316 a year.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Fatality Facts 2022 Teenagers.” Accessed September 2024.
- Centers for Disease Control and Prevention. “Risk Factors for Teen Drivers.” Accessed September 2024.
- National Safety Council. “Age of Driver.” Accessed September 2024.
Methodology
CarInsurance.com collected insurance rate data from Quadrant Information Services for Kansas drivers. The rate data is for drivers of different age groups:
- Teens: Age 16-19
- Young adults: Age 20-24
- Adults: 25- 60
- Seniors: 60-75
The different coverage levels include:
- Annual full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- A six-month car insurance policy with limits of 100/300/100-500 coll/comp deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old male and female driver with the following incidents applied:
- 1 at-fault property damage accident over $2K
- 1 at-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 mph over limit
- Speeding ticket 11-29 mph over limit
The editors created a rating system to determine the best insurance companies in each sector. For auto insurers, we took the following and gave each a weight.
- Average annual cost: 25%
- J.D. Power score: 30%
- AM Best rating: 25%
Each insurer was awarded an overall rating of 0.5 to 5. No insurer in our overall rating received less than 1 rating and 5 was the most any insurer could receive.
To evaluate the rates, we have compared 51,088,003 insurance quotes from 167 national & regional insurance companies across 29,152 cities and 34,588 ZIP codes.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered.
Due to technical error, please try again later.
Guide to car insurance (with rates) in cities of Kansas
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Kansas