The Best Auto Insurance in Kansas

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.

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.

• 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

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.

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:

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.

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.

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.

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.

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.