Cheap Car Insurance in Kansas for 2024 (Save Big With These 10 Companies!)
Geico, State Farm, and Travelers offer cheap car insurance in Kansas, with affordable prices as low as $24 per month. Geico excels in affordability, State Farm provides strong local support, and Travelers rewards safe driving, making these companies top choices for drivers seeking the best value in Kansas.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she ...
Licensed Insurance Agent
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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17,759 reviewsCompany Facts
Min. Coverage in Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
1,731 reviewsCompany Facts
Min. Coverage in Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviewsGeico, State Farm, and Travelers offer cheap car insurance in Kansas at just $24/mo, providing tailored coverage options to keep you protected.
State Farm provides strong local support, making it ideal for drivers who prefer in-person assistance, while Travelers offers valuable discounts for safe driving.
Our Top 10 Company Picks: Cheap Car Insurance in Kansas
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $24 A++ Affordable Rates Geico
#2 $26 B Local Agents State Farm
#3 $28 A++ Bundling Policies Travelers
#4 $29 A+ Customer Service Erie
#5 $32 A Roadside Assistance AAA
#6 $36 A Loyalty Rewards American Family
#7 $41 A+ Coverage Options Progressive
#8 $46 A Safe-Driving Discounts Farmers
#9 $51 A+ Infrequent Drivers Allstate
#10 $56 A Add-on Coverages Liberty Mutual
Finding affordable coverage can be challenging due to the unique driving conditions in the state. Understanding your options, such as collision auto insurance, is essential for making informed decisions about your coverage. about your auto insurance.
This article covers the basics of car insurance in Kansas, factors affecting rates, tips for saving on premiums, and introduces the top affordable insurance companies in the state. Enter your ZIP code now.
- Explore cheap car insurance in Kansas with tailored options
- Compare rates to meet Kansas’s minimum insurance requirements affordably
- Geico is the top pick, offering rates starting at $24 per month
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#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Geico offers some of the most competitive rates for cheap car insurance in Kansas. Read more in our Geico insurance review and ratings.
- User-Friendly Online Tools: Their online platform simplifies policy management with tools that help you easily compare options and find cheap car insurance in Kansas.
- Substantial Discounts: Geico provides numerous discounts, such as multi-vehicle and safe driver discounts, which can help you save significantly on cheap car insurance in Kansas.
Cons
- Limited Local Agents: Geico has fewer local agents, which might be a drawback for those seeking personalized assistance with cheap car insurance in Kansas.
- Customer Service Issues: Some users report mixed experiences with customer service, affecting their overall satisfaction with cheap car insurance in Kansas.
#2 – State Farm: Best for Local Agents
Pros
- Local Agent Network: State Farm’s extensive network of local agents provides personalized service, making it easier to discuss and tailor cheap car insurance in Kansas to your specific needs.
- Varied Discounts: Offers a range of discounts, including good student and safe driving discounts, that can lower the cost of cheap car insurance in Kansas. Discover it through our State Farm insurance.
- Strong Customer Service: Known for excellent customer service, with agents available to assist with any queries or issues related to cheap car insurance in Kansas.
Cons
- Higher Premiums: Some may find that their premiums are higher compared to other providers, which could impact the affordability of cheap car insurance in Kansas.
- Complex Policy Options: The variety of policy options can be overwhelming for those seeking straightforward and easily understandable cheap car insurance in Kansas.
#3 – Progressive: Best for Bundling Policies
Pros
- Flexible Bundling Options: Progressive offers flexible bundling options with other types of insurance, which can help lower your overall costs for cheap car insurance in Kansas.
- Comprehensive Coverage: Provides extensive coverage options, including custom car insurance and accident forgiveness, meeting diverse needs for cheap car insurance in Kansas.
- Innovative Tools: Their online tools, like the Name Your Price tool, help find affordable options by matching your budget with coverage for cheap car insurance in Kansas.
Cons
- Mixed Claims Experience: Some customers have reported inconsistent claims processing experiences, which can affect their overall satisfaction. Read more at Progressive insurance.
- Higher Rates for Some Drivers: Rates might be higher for certain drivers, such as those with recent accidents, making it less competitive for cheap car insurance in Kansas.
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#4 – USAA: Best for Customer Service
Pros
- Top Customer Service: USAA is renowned for exceptional customer service, providing a great experience for cheap car insurance in Kansas, especially valued by its eligible members.
- Competitive Rates for Military Members: Offers very competitive rates, particularly for military personnel, ensuring affordable options for cheap car insurance in Kansas.
- Strong Financial Stability: Known for financial stability, ensuring reliable and consistent coverage for cheap car insurance in Kansas. Discover more at “United Service Automobile Association.”
Cons
- Eligibility Restrictions: Only available to military members and their families, which limits access for non-military individuals seeking cheap car insurance in Kansas.
- Limited Physical Locations: Fewer physical locations for in-person service, which might be inconvenient for some customers who prefer face-to-face interactions.
#5 – Allstate: Best for Roadside Assistance
Pros
- Robust Roadside Assistance: Allstate provides comprehensive roadside assistance, adding significant value to your policy for cheap car insurance in Kansas by offering help when you need it most.
- Various Discounts: Offers multiple discounts, including for bundling policies and safe driving, making cheap car insurance in Kansas more affordable.
- Strong Nationwide Presence: Known for its extensive network, ensuring you can access support and services across the country for cheap car insurance in Kansas.
Cons
- Higher Premiums: Some customers may experience higher premiums compared to other providers, potentially impacting the overall affordability. Explore more in our article “Allstate insurance.”
- Customer Service Variability: Service quality can vary significantly by location, which may affect your overall experience and satisfaction with cheap car insurance in Kansas.
#6 – Liberty Mutual: Best for Loyalty Rewards
Pros
- Loyalty Rewards: Liberty Mutual offers rewards for long-term customers, providing additional savings on cheap car insurance in Kansas as you remain with them.
- Comprehensive Coverage Options: Offers a wide range of coverage options, including new car replacement and accident forgiveness. Explore more at Liberty Mutual insurance.
- Customizable Policies: Allows you to tailor your policy to fit specific requirements, which helps in managing costs effectively for cheap car insurance in Kansas.
Cons
- Higher Rates for New Customers: New customers might face higher rates initially, which can affect their search for affordable cheap car insurance in Kansas.
- Complex Policy Terms: The complexity of policy terms and options might make it challenging for customers to easily understand and select the best deal on cheap car insurance in Kansas.
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#7 – Nationwide: Best for Coverage Options
Pros
- Wide Range of Coverage Options: Nationwide offers a variety of coverage options, including full and liability coverage, catering to different needs for cheap car insurance in Kansas.
- Strong Financial Ratings: Known for its financial stability and strong ratings, ensuring reliable and consistent coverage for cheap car insurance in Kansas.
- Numerous Discounts: Provides several discounts, such as multi-policy and safe driving discounts, which can help lower the cost of cheap car insurance in Kansas.
Cons
- Mixed Customer Service: Customer service experiences can be inconsistent, which might impact your overall satisfaction. Read this article, “Does nationwide offer rental reimbursement coverage?.”
- Higher Premiums for Some Drivers: Premiums may be higher for drivers with certain risk factors, potentially affecting the affordability of cheap car insurance in Kansas.
#8 – Travelers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Travelers offers discounts for safe driving records, which can make cheap car insurance in Kansas more affordable for those with clean driving histories.
- Comprehensive Coverage Options: Provides a range of coverage options, including liability and comprehensive coverage, to meet various needs for cheap car insurance in Kansas.
- Strong Reputation: Known for reliability and strong customer service, supporting their offerings and reputation for cheap car insurance in Kansas. Read it more in our auto insurance.
Cons
- Complex Claims Process: Some customers report a complex claims process, which can affect the overall satisfaction and ease of handling cheap car insurance in Kansas.
- Higher Premiums for High-Risk Drivers: Rates may be higher for drivers deemed high-risk, impacting the cost-effectiveness of cheap car insurance in Kansas.
#9 – Amica: Best for Infrequent Drivers
Pros
- Infrequent Driver Discounts: Amica offers special rates for infrequent drivers, making it a good choice for those who don’t drive often and are seeking cheap car insurance in Kansas.
- Strong Customer Service: Known for high customer satisfaction, providing a positive experience for cheap car insurance in Kansas with responsive support and personalized service.
- Flexible Payment Options: Provides flexible payment plans, which can help manage the cost of cheap car insurance in Kansas more easily. Learn more about Amica insurance.
Cons
- Limited Physical Locations: Fewer local offices might be a drawback for those preferring in-person service for cheap car insurance in Kansas, relying more on online or phone support.
- Higher Rates for Frequent Drivers: Rates might be higher for drivers who use their vehicle frequently, potentially affecting the affordability of cheap car insurance in Kansas.
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#10 – Farmers: Best for Add-on Coverages
Pros
- Add-On Coverage Options: Farmers offers a variety of add-on coverages, such as gap insurance and roadside assistance, enhancing your policy for cheap car insurance in Kansas.
- Customizable Policies: Allows you to tailor your policy to fit your specific needs, making it easier to find affordable options. Visit Farmers insurance for more details.
- Strong Nationwide Presence: Provides extensive coverage across the country, ensuring that you can find support and services for cheap car insurance in Kansas, wherever you are.
Cons
- Potentially Higher Premiums: Some drivers may find that premiums are higher compared to other providers, which could impact the overall cost of cheap car insurance in Kansas.
- Inconsistent Customer Service: Service quality can vary by location, which might affect your overall experience and satisfaction with cheap car insurance in Kansas.
Understanding Car Insurance in Kansas
Finding cheap car insurance in Kansas is easier than ever with the right tools and strategies. Whether you’re searching for cheap auto insurance in Kansas or the cheapest car insurance in Kansas, it’s important to compare car insurance quotes in Kansas from multiple providers.
Kansas Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $32 | $86 |
 | $51 | $160 |
 | $36 | $114 |
 | $29 | $90 |
 | $46 | $144 |
 | $24 | $75 |
 | $56 | $174 |
 | $41 | $127 |
 | $26 | $81 |
 | $28 | $87 |
One of the most common types of coverage is Liability Auto Insurance, which protects you financially if you are at fault in an accident and cause injury or damage to someone else.
This coverage helps pay for medical expenses, property repairs, and legal fees that may arise from the accident. Comprehensive coverage is yet another option to consider when choosing your car insurance policy. This coverage protects your vehicle against damage caused by incidents other than accidents, such as theft, vandalism, or natural disasters.
Having comprehensive coverage can provide you with peace of mind, knowing that you are financially protected from a wide range of potential risks.
Tips to Get Cheap Car Insurance in Kansas
For drivers in urban areas, such as Kansas City, exploring options for cheap car insurance in Kansas City can yield significant savings. Many car insurance companies Kansas offer discounts and competitive Kansas car insurance rates, making it possible to secure cheap liability car insurance in Kansas or even full coverage at an affordable price.
Wondering how much is car insurance in Kansas? Rates vary based on your driving record and location, but by comparing Kansas auto insurance quotes or KS car insurance quotes, you can find policies that fit your budget.
Car Insurance Discounts From the Top Providers for Kansas| Insurance Company | Available Discounts |
|---|---|
| Anti-Theft Device Discount, Multi-Policy Discount, New Car Discount, Safe Driver Discount |
| Good Student Discount, Defensive Driving Course Discount, Low Mileage Discount, Multi-Policy Discount |
| Safe Driver Discount, Good Student Discount, Anti-Theft Device Discount, Multi-Car Discount |
| Safe Driver Discount, Multi-Policy Discount, Defensive Driving Course Discount, Good Student Discount |
| Anti-Theft Device Discount, New Car Discount, Multi-Policy Discount, Safe Driver Discount |
| Safe Driver Discount, Multi-Policy Discount, Good Student Discount, Low Mileage Discount |
| Defensive Driving Course Discount, Multi-Policy Discount, Good Student Discount, New Car Discount |
| Good Student Discount, Safe Driver Discount, Multi-Policy Discount, Defensive Driving Course Discount |
| New Car Discount, Safe Driver Discount, Multi-Policy Discount, Anti-Theft Device Discount |
| Multi-Policy Discount, Good Student Discount, Safe Driver Discount, Defensive Driving Course Discount |
When it comes to find the Kansas cheap auto insurance, understanding the types of auto insurance can help you employ several strategies to get the best rates possible.
Kansas Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 10% | Geico, State Farm, Allstate |
| Multi-Policy Discount | A- | 9% | Progressive, Nationwide, Liberty Mutual |
| Good Student Discount | B+ | 7% | Farmers, USAA, American Family |
| Anti-Theft Device Discount | B | 6% | Travelers, MetLife, The Hartford |
| Defensive Driving Course Discount | B- | 5% | NJM Insurance, Plymouth Rock |
By exploring different options and taking advantage of available discounts, you can save a significant amount of money on your car insurance premiums.
Start comparing auto insurance quotes in Kansas today to discover cheap Kansas car insurance companies offering the cheapest Kansas car insurance. Save money with cheap insurance in Kansas by shopping smart and bundling discounts where available.
Shopping Around for the Best Rates
One of the most effective ways to find cheap car insurance in Kansas is to shop around and compare quotes from multiple insurance companies. Rates can vary significantly between insurers, so it’s worth investing time in gathering quotes and evaluating the coverage options they offer.
Thanks to the internet, comparing car insurance quotes has never been easier. Online comparison tools allow you to enter your information once and receive quotes from multiple insurance providers. This saves you time and effort, as you don’t have to contact each company individually.
In addition to online tools, contacting insurance agents directly can also help simplify the process. Agents can provide personalized quotes based on your specific needs and answer any questions you may have about coverage options.
Maintaining a Clean Driving Record
As mentioned earlier, your driving record has a significant impact on your car insurance rates. By obeying traffic laws, avoiding accidents, and practicing safe driving habits, you can maintain a clean record and enjoy lower premiums as a result.
Insurance companies consider drivers with clean records less risky, which translates into lower premiums. By being a responsible driver, you not only protect yourself and others on the road but also save money on your car insurance.
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Taking Advantage of Discounts
Many insurance companies offer various discounts that can help reduce your car insurance costs. These discounts can include safe driver discounts, good student discounts, multi-policy discounts, and more. However, it’s essential to consider “What if I can’t pay my auto insurance deductible?” when choosing your coverage options.
Kansas Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Claims Satisfaction | A | High satisfaction with claims process among residents |
| Discount Availability | B+ | Multiple discount options available for various drivers |
| Average Premium Cost | B | Premiums are slightly above the national average |
| Rate Stability | B- | Rates have seen minor changes in recent years |
| Affordability | C+ | Costs are moderate but can impact affordability for some |
Safe driver discounts are often offered to drivers who have completed defensive driving courses or have a clean driving record. Good student discounts are available to students who maintain a certain GPA or are on the honor roll.
Additionally, some insurance companies offer discounts for low mileage, installing anti-theft devices in your vehicle, or being a member of certain organizations. It’s worth exploring all the potential discounts available to you, as they can significantly reduce your car insurance premiums.
Top Affordable Car Insurance Companies in Kansas
While price is important, it’s also crucial to consider the company’s reputation, customer service, and coverage options when making a decision.
Best companies are known for its competitive rates and excellent customer service. It offers a wide range of coverage options to suit different needs and has consistently received positive reviews from policyholders. Its online tools make it easy to manage your policy and file claims conveniently.
Kansas Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Kansas City | 1,000 | 950 |
| Overland Park | 800 | 780 |
| Topeka | 700 | 650 |
| Wichita | $1,200 | $1,150 |
Another reason that the company will stand out is to have a reliable option for affordable car insurance in Kansas. It has strong financial stability and offers customizable coverage options to accommodate individual preferences.
5 Most Common Auto Insurance Claims in Kansas| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 32% | $3,400 |
| Single Vehicle Accident | 20% | $4,000 |
| Intersection Accident | 18% | $5,000 |
| Parked Car Damage | 15% | $1,700 |
| Weather-Related Damage | 15% | $2,500 |
Additionally, its agents are knowledgeable and responsive, ensuring a seamless insurance experience. And with its prompt claims processing ensures that you receive the assistance you need when it matters most.
In conclusion, finding cheap car insurance in Kansas requires understanding the state's insurance requirements, considering the factors that affect rates, implementing cost-saving strategies, and selecting the right insurance company.Ty Stewart Licensed Insurance Agent
By following these guidelines, you’ll be well-equipped to find affordable coverage, including comprehensive auto insurance, that meets your needs.
Remember to compare Kansas car insurance quotes, maintain a clean driving record, take advantage of discounts, and carefully evaluate insurance companies before making a final decision. Enter your ZIP code here.
Frequently Asked Questions
Are there discount options for car insurance in Kansas?
Yes, many insurers offer discounts like safe driver, multi-policy, good student car insurance discounts, and anti-theft savings. It’s best to check with different providers to find the most beneficial discounts.
How does no-fault insurance apply in Kansas?
In Kansas, no-fault insurance means your own insurance covers your medical expenses and damages after an accident, no matter who’s responsible, which can simplify claims but may also affect premiums. It’s best to check with different insurance providers to see which discounts they offer. Enter your ZIP code to know more.
What factors influence car insurance rates in Kansas?
Car insurance costs in Kansas are influenced by factors such as your age, driving history, type of vehicle, coverage level, car insurance deductible, location, and credit rating.
Can I purchase additional coverage options for my car insurance in Kansas?
In Kansas, you can add extra coverage to your car insurance beyond the minimum liability. Options include comprehensive, collision, uninsured/underinsured motorist, and medical payments coverage. Talk to an insurance agent to find what’s best for you.
How can I find cheap car insurance in Kansas?
Consider safety ratings for premium costs and enjoy perks like accident forgiveness and bundling discounts.
Can I find cheap car insurance in Kansas if I drive an older vehicle?
Yes, insuring an older vehicle often costs less because its value is lower, which reduces the potential payout for the insurer. However, it’s crucial to balance this with adequate coverage to protect yourself in case of an accident.
Are there any state-specific regulations in Kansas that affect car insurance rates?
Yes, Kansas requires no-fault insurance, which means your insurer covers your injuries regardless of fault. Understanding state regulations is important because this can affect your insurance rates (Read more: Fault and No-Fault Car Accidents).
Is it possible to get affordable car insurance in Kansas, where there is a poor driving record?
Yes, it is possible, but it may be more challenging. Drivers with a poor driving record may face higher premiums. To manage costs, you can consider increasing your deductible, seeking out specialized insurers, or taking defensive driving courses to potentially improve your rates.
How does the minimum coverage requirement in Kansas impact the cost of insurance?
Kansas requires minimum liability coverage, but opting for only the minimum can sometimes result in higher premiums if you have additional risks. Investing in higher coverage options or a combination of different types of coverage might provide better protection and potentially lower long-term costs.
What should I do if I have trouble finding affordable car insurance in Kansas?
If you’re struggling to find affordable car insurance in Kansas, consider contacting an independent broker or the Kansas Insurance Department for help and resources. Find affordable auto insurance rates from leading providers by entering your ZIP code.
Enter your ZIP code below to compare cheap insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.