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The Best Auto Insurance in Kansas

Learn about the best overall and niche providers in Kansas.

Best Auto Insurance in Kansas Overall
USAA Logo 2023

USAA offers Kansans the cheapest insurance and the highest customer service quality on our list. If you’re a military member, veteran, or spouse or child of a military member/veteran, we strongly recommend signing up for USAA.

Best Commercial Auto Insurance in Kansas
Nationwide logo

Kansas’ central geographic location makes it an ideal state for fleets and commercial trucking businesses. With an advanced telematics fleet program, trucking safety features, and a commercial rewards program, Nationwide is our top pick for commercial auto insurance.

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If you’re one of Kansas’ 2 million licensed drivers, you will need minimum liability (bodily injury and property damage) and uninsured/underinsured motorist coverage to drive legally. Luckily for you, Kansas has some of the lowest auto insurance rates in the country (the 11th-most affordable in the nation). The average cost of car insurance in the state is $793 annually, meaning Kansans pay an average of about $250 less than the national average of $1,047 for full-coverage car insurance.

Below, we’ll look at the best providers in Kansas based on specialized coverage, discounts, customer service scores, bundling options, vehicle type, and more. But keep in mind that Kansas drivers have different average rates by ZIP code, credit score, and age, so the lowest car insurance rates aren’t one-size-fits-all. Rather, the cheapest car insurance company for you may be different from the cheapest provider for your next-door neighbor.

Summary of the Best Auto Insurance in Kansas

  1. 1.

    Best Auto Insurance in Kansas Overall: USAA

  2. 2.

    Best Commercial Auto Insurance in Kansas: Nationwide

  3. 3.

    Best Usage-Based Auto Insurance in Kansas: Allstate

  4. 4.

    Best Auto Insurance for Bundling in Kansas: Liberty Mutual

Comparison of the Best Auto Insurance in Kansas

Insurance company Average annual rate Bundling discount Senior discount Good student discount Safe driver discount Low mileage discount J.D. Power auto claims satisfaction study

(out of 1,000)1

Review
USAA $1,151 Yes No Yes Yes Yes 890 USAA review
Nationwide $1,614 Yes No Yes Yes Yes 868 Nationwide review
Allstate $1,673 Yes No Yes Yes Yes 889 Allstate review
Liberty Mutual $1,637 Yes No Yes Yes No 870 Liberty Mutual review

Detailed List of the Best Auto Insurance in Kansas

1. Best Auto Insurance in Kansas Overall - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

Kansas is home to nearly 50,000 active-duty military members and families and nearly 200,000 veterans.2 Its veteran population is about 10 percent of the state population, which is nearly double the national average. With an average annual rate of $1,151, USAA is the cheapest provider on our list and the best choice for Kansans who are eligible for USAA memberships.

ProsWho It's Best For
  • pro
    Military members, veterans, and their families
  • pro
    People with multiple vehicles
  • pro
    Rideshare drivers
  • pro
    Low-mileage drivers
ConsWho It's Not Best For
  • con
    Unsafe drivers

Sizable Savings

Whether you’re stationed in one of Kansas’ five military bases or entering retirement as a veteran, USAA offers several discounts on car insurance rates.

  • Storage discount: Save up to 60 percent on your car insurance if you keep your vehicle in storage while you’re deployed out of state.
  • Bundling discount: Bundle your auto insurance with USAA homeowners or renters insurance and earn up to 10 percent off your car insurance.
  • Safe-driver discount: Get 10 percent off your car insurance for signing up with USAA’s safe driving program, SafePilot. Complete the program, and earn up to 30 percent off your premiums.
  • Good-student discount: Teens or parents of teens with B averages or higher may be eligible for this discount.
  • Military-base discount: Earn up to 15 percent off your comprehensive coverage premium when you store your vehicle on a military base.
  • New-car discount: If your car is less than 3 years old, you may be eligible for this discount.

PRO TIP:

USAA was one of our top picks for new-car owners. Check out our guide to the best auto insurance for new cars to learn more.

  • Automatic-payments discount: When you set up automatic payments for your policy, you can save up to 3 percent on your auto premium.
  • Multiple-vehicle discount: Qualify for a multivehicle discount when you insure two or more vehicles.

Pay-Per-Mile Insurance

At 9,763 miles per year, Kansans drive slightly more than the rest of the country (9,405 miles), on average.3 If you drive less than 10,000 miles per year or are closer to driving 7,500 miles per year, you should consider USAA’s pay-per-mile insurance. The fewer miles you drive, the more you save.

Pay-per-mile insurance is a good option if you work from home, use public transportation, have your vehicle in storage while you’re deployed out of state, or simply don’t drive that much. Talk to your local USAA agent to learn more about the program and how much you can save.

International Coverage

If you’re stationed overseas and want to continue driving, you can transfer your USAA insurance to select international locations. You can also extend that insurance to your family members if they’re approved to join you overseas.

Your USAA plan can extend to the following locations:

  • Azores
  • Belgium
  • Cuba
  • France
  • Germany
  • Greece
  • Guam
  • Italy
  • Netherlands
  • Portugal
  • Puerto Rico
  • South Korea
  • Spain
  • U.S. Virgin Islands
  • United Kingdom
2. Best Commercial Auto Insurance in Kansas - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

Kansas is home to two of the top five refrigeration warehouses globally and ranks seventh in the U.S. for tons carried through freight.4 Because of its central location, the Sunflower State is a hotbed for logistics, fleets, and warehouse companies. And when it comes to commercial auto insurance and fleet insurance, Nationwide is our top choice. Through its Vantage 360 Fleet program, you can access several features that make it easier to track and manage your fleets.

ProsWho It's Best For
  • pro
    Owners of fleets
  • pro
    Logistics and delivery businesses
  • pro
    Business owners with rentals
  • pro
    Agribusiness owners
ConsWho It's Not Best For

Advanced Fleet Telematics Program

Nationwide’s Vantage 360 Fleet is a free telematics program that allows you to track your drivers and alter their schedules based on unexpected events. If, for example, a driver faces poor weather conditions or hits unexpected traffic, you can redirect their route and identify the safest/quickest path to their destination.

On top of that, Vantage 360 Fleet will collect and analyze your drivers’ habits on the road and reward drivers with points for safe driving. Your drivers can accrue points and redeem them for gift cards.

Customized Fleet Insurance

Nationwide offers customized fleet insurance with specialized coverage options for agribusiness owners. You can curate a combination of fleet insurance, property insurance for your equipment, ranch personal property, ranch structures, and more. Your drivers will benefit from automatic out-of-state coverage and fleet car insurance even if they drive non-hauling vehicles.

If you own a farm or ranch, here are Nationwide’s three farm insurance packages you can customize on top of your fleet insurance:

Package Features
AgriChoice
  • Livestock coverage
  • Machinery and equipment
  • Farm and ranch structures
  • Personal property
  • Liability protection
  • Detached garages
AgriChoice Plus
  • Liability for farm and commercial auto
  • Hauling or storing grain for neighbors
  • Seed dealers
  • Processing, shipping, or selling of agriculture and food products
  • Farm stores
  • Dairy processing
CountryChoice
  • Losses to harvested farm products
  • Farm equipment and machinery
  • Products damaged while in transit
  • Off-property recreational vehicle coverage
  • Farm interruptions, including loss of income

FUN FACT:

With over $76 billion in contributions to the state’s economy, the agriculture sector is the largest economic driver in Kansas.5 The agriculture industry is responsible for more than 250,000 jobs, or nearly 15 percent of the state’s total workforce.

Fast and Effective Claims Process

Commercial fleet owners and farmers don’t have time for lengthy or tedious claims processes. With orders to fulfill and daily deliveries, they need their vehicles up and running as quickly as possible after an accident or damage. Nationwide’s On Your Side Claims Service helps ensure that drivers are back on the road as soon as possible by providing written guarantees for repairs and a choice of qualified repair shops in the area.

The On Your Side Auto Repair Network includes mechanics and shops that Nationwide has already screened, so you will be working with only trustworthy, tested, and reliable mechanics in your area.

3. Best Usage-Based Auto Insurance in Kansas - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Allstate is one of Kansas’ largest and most recognizable brands, and it offers several ways to customize the best auto insurance policy for your unique needs. The company’s Milewise program offers big savings if you don’t drive often, and its other discounts (like the home bundling discount) come with some of the largest discount percentages in the car insurance industry.

ProsWho It's Best For
ConsWho It's Not Best For
  • con
    People with DUIs on their records
  • con
    People looking for the cheapest option

Usage-Based Insurance

Allstate’s usage-based insurance program, Drivewise, allows you to pay for insurance based on how safely and often you drive. The more safely you drive and the fewer miles you drive each month, the less you’ll pay for car insurance. Drivewise is a good option if you’re a safe driver, don’t drive often, or seek to improve your driving. However, driving more miles than usual or exhibiting poor driving habits can increase your premiums.

The Drivewise app provides key driving insights, tips, daily safety challenges, and a crash detection feature that can send help automatically in the event of an accident. Get a discount for signing up with Drivewise (the percentage varies by state), and continue earning discounts by staying active in the program. Drivewise has a 4.8-star rating in the Apple App Store and a 3.9-star rating in the Google Play store.

Other Great Savings

Allstate offers several other ways to save on insurance, with or without a pay-per-mile plan. Here are some of the most extensive saving opportunities and discounts you can earn with Allstate:

  • Vehicle equipment discount: Install an anti-theft device, adaptive headlights, or other approved safety vehicle equipment to be eligible for this discount.
  • FullPay discount: If you pay for your policy in full or complete a year of on-time payments, you could save on car insurance.
  • Home and auto insurance bundle: You can save up to 25 percent off your car insurance premiums by bundling home and auto insurance.
  • Smart-student discount: If you’re a full-time student or parent of a student, you could earn a discount by meeting these requisites:
    • Maintain at least a B average or a GPA of 2.7 or above
    • Complete the teenSMART driver education program
    • Store your vehicle 100 miles away from where you attend school
  • Safe-driver discount: You need to complete a defensive driving course and be accident-free for six months to earn this discount.
  • New-car discount: If you’re the first owner of a new vehicle and your car is either the current or last year’s model, you could qualify for this discount.

24/7 Roadside Assistance

According to the Kansas Department of Commerce, Kansas has 140,000 miles of public roadways, many of which are interstate highways along the state’s Great Plains. If you happen to have a roadside emergency or vehicle breakdown on one of Kansas’ many interstate highways, knowing that help is only a call or click away might be worth the subscription. With Allstate’s Roadside service, you get these benefits:

  • 24-hour roadside assistance: Roadside assistance includes towing, jump-start fuel deliveries, lockout services, flat-tire assistance, and more.
  • Trip interruption: If your car becomes undrivable and you’re at least 100 miles away from home on a trip, Allstate will reimburse you for meals, transportation, and lodging.
  • Hazard reimbursement: Allstate will reimburse you for tire and wheel damages due to road hazards.
  • Motorcycle and RV coverage: Your roadside benefits extend to your motorcycle and RV automatically.
  • Member discounts: Roadside service members benefit from discounts on oil changes, auto parts, travel costs, and more.
4. Best Auto Insurance for Bundling in Kansas - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

Bundling is a great way to lower your insurance premiums and manage your various policies from the same Liberty Mutual account. With Liberty Mutual, you can bundle additional policies at any time and transfer your renters insurance to homeowners insurance if you buy a home.

DID YOU KNOW?

Customers who switched to Liberty Mutual between October 2021 and September 2022 reported an average of $950 in savings when they bundled home and auto insurance.

ProsWho It's Best For
  • pro
    Homeowners and renters
  • pro
    People with multiple vehicles
  • pro
    People who want gap insurance
  • pro
    People who recently purchased cars or homes
ConsWho It's Not Best For

Better Bundling Options

With Liberty Mutual, you can bundle your auto insurance with your homeowners, renters, or condo insurance. If you’re a homeowner (67 percent of Kansans are), you might be able to save nearly $1,000 by bundling home and auto insurance.6 Liberty Mutual drivers who bundle home and auto have reported saving nearly $950, on average, and even more have taken advantage of these other benefits that come with bundling:

  • Review and download all of your policy documents from one Liberty Mutual account
  • Access digital ID cards for your various policies from your account
  • Make payments and manage your bills for multiple plans
  • Make policy changes whenever you like
  • Review your plans’ coverage details
  • Access and manage all of your policies directly from the Liberty Mutual app

Seamless Mobile App

Liberty Mutual offers a user-friendly mobile app that is highly rated on both iOS (4.8 out of five stars) and Android (4.7 out of five stars). Through the app, you can do the following:

  • Pay your bills
  • Track claims
  • Review your policy
  • Adjust your coverage
  • Upload real-time photos of car damages to file a claim
  • Call for roadside assistance

The app also gives you access to the Coverage Customizer Tool, which will inform you of upcoming discounts in your next renewal, provide you with an overview of your current policy, and tell you what your coverage looks like after a claim.

Excellent Coverage Options

Want extra coverage and protection? Try one of Liberty Mutual’s optional coverage types.

  • Better car replacement: If you total your car, Liberty Mutual will pay for the cost of a car one year newer than your original.
  • 24-hour roadside assistance: With this add-on, a roadside service member is available 24/7 to help you with a flat tire, dead battery, emergency fuel, towing, and more.
  • Mexico car insurance: Traveling to Mexico? You can get coverage for your own vehicle or a rental, which is a necessity if you’re driving beyond the border zone (approximately 14 miles from Mexico’s northern border).
  • Teacher insurance: Benefit from a $0 collision deductible when you’re driving on school business, added property coverage for your teaching materials if they are damaged or stolen (up to $2,500), vandalism loss protection if your vehicle is damaged on school property, and other benefits for teachers.
  • Gap coverage: If you total your leased car and the car’s value is lower than the amount you owe on your loan, gap insurance will cover the remaining amount.
  • Lifetime repair guarantee: For as long as you own your Liberty Mutual-insured vehicle, Liberty Mutual will guarantee that it will help you find an approved repair facility after an accident.
  • New-car-replacement insurance: If your new car is stolen or totaled in the first year, Liberty Mutual will cover the costs for a brand-new vehicle of the same original value, not its current, depreciated value.
  • Original-parts replacement: Original-parts replacement helps you replace any damaged parts on your vehicle with the highest-quality parts. If the original parts are not available or are no longer in production, Liberty Mutual will come up with an estimate that includes comparable parts.

Methodology

  • Proprietary data: Over the past 20 years, AutoInsurance.com has collected millions of data points on car insurance companies that have had the most success insuring drivers across each state, including Kansas. We’ve analyzed that data to narrow down the best service providers in Kansas based on insurance rates, discounts, driving trends, state laws, and more.
  • Government data: At AutoInsurance.com, we look at only the most credible state and federal entities for our facts, figures, and research, including Kansas-specific data from the National Highway Traffic Safety Administration, U.S. Census, local DMVs, and other government sources.
  • Public studies: Third-party ratings and studies help customers and industry leaders keep track of the credit ratings, customer service scores, and financial strength of insurance companies. We look at third-party studies from organizations like the Better Business Bureau, J.D. Power, Moody’s, AM Best, the National Association of Insurance Commissioners, and S&P Global, among others, to find the most accurate ratings of insurance providers.
  • Expert institutional guidance: Last but not least, AutoInsurance.com is backed by insurance industry expert Paul Ford. Paul is the president of insurance services at Centerfield, AutoInsurance.com’s parent company. Paul’s decades of insurance-related experience inform our articles and research, providing us with the expert guidance we need to improve our recommendations, information, and assessments of car insurance companies.

Frequently Asked Questions

Who offers the cheapest car insurance in Kansas?

On average, the three cheapest providers in Kansas are USAA, GEICO, and State Farm. However, your insurance rates will vary depending on several factors, including your age, vehicle type, coverage needs, and location. The best way to find the cheapest rates in Kansas is to compare quotes from auto insurers in your area.

Is Kansas an at-fault state?

Yes, Kansas is an at-fault state, also known as a tort state. In tort or at-fault states, drivers who cause accidents cover the other party’s losses for that accident. Additionally, Kansas is a modified comparative negligence state, which means someone wouldn’t be eligible for compensation from the other driver if they were 50 percent or more at fault in an accident.

What are the minimum liability limits in Kansas?

To drive legally in Kansas, you need these minimum liability limits:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
  • $25,000 in uninsured motorist bodily injury coverage per person
  • $50,000 in uninsured motorist bodily injury coverage per accident
  • Personal injury protection (PIP) coverage of $4,500 for medical expenses per person, which includes the following:
    • $900 per month for one-year disability/loss of income
    • $25 per day for in-home services
    • $2,000 for funeral, burial, or cremation expenses
    • $4,500 for rehabilitation expenses

Citations

  1. Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds. J.D. Power. (2022, Oct 27).
    https://www.jdpower.com/business/press-releases/2022-us-auto-claims-satisfaction-study

  2. Veterans as a Percent of County Population (FY2017): Kansas. U.S. Department of Veterans Affairs. (2023).
    https://www.va.gov/vetdata/docs/SpecialReports/State_Summaries_Kansas.pdf

  3. Highway Statistics 2020. Office of Highway Policy Information. (2021, Oct).
    https://www.fhwa.dot.gov/policyinformation/statistics/2020/ps1.cfm

  4. Logistics & Distribution. Kansas Commerce. (2023).
    https://www.kansascommerce.gov/industry/logistics/

  5. Kansas Agriculture. Kansas Department of Agriculture. (2023).
    https://agriculture.ks.gov/about-kda/kansas-agriculture

  6. QuickFacts: Kansas; United States. United States Census. (2023).
    https://www.census.gov/quickfacts/fact/table/KS,US/PST045222