Updated: November 18, 2024
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The best car insurance in Kansas varies with your needs. Auto-Owners leads overall according to MoneyGeek. However, for minimum coverage, Auto-Owners is also the top pick. Nationwide is favored for families with a teen driver.
If cost is your primary concern, consider exploring the cheapest car insurance in Kansas, where service quality may differ.
Best Car InsuranceKansasBest Car Insurance in Kansas
Why Trust MoneyGeek? We created an insurance scoring system for providers in Kansas based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Kansas.
Auto-Owners tops the MoneyGeek car insurance company rankings for Kansas with an impressive score of 92 out of 100. MoneyGeek's scores for Kansas car insurers range from 92 down to 72, excluding companies that did not qualify for scoring. These figures represent MoneyGeek's baseline scoring model, with individual scores potentially varying for different driver profiles.
How does MoneyGeek score companies?
MoneyGeek's evaluation framework places significant emphasis on customer satisfaction and affordability when calculating overall scores for insurers. Claims experience and offered coverages are also highly weighted factors in this multifaceted analysis. This comprehensive approach ensures that the performance metrics reflect the aspects most valued by consumers seeking quality insurance services.
Certain insurers listed in the no_score dataset, including Dairyland and Iowa Farm Bureau, did not receive a MoneyGeek score due to incomplete data across the five scoring components. While these companies are not characterized as optimal choices universally, Iowa Farm Bureau is noted for performing notably in customer satisfaction. It's crucial to recognize that this acknowledgment does not imply a strong overall recommendation, but rather shows specific strengths in the areas in which they could be evaluated.
| Auto-Owners Insurance Co | 92 | $971 |
| Shelter | 89 | $1,107 |
| American Family | 88 | $888 |
| Nationwide | 84 | $768 |
| Travelers | 83 | $984 |
| State Farm | 79 | $1,361 |
| Farmers | 79 | $1,176 |
| GEICO | 78 | $1,120 |
| Progressive | 75 | $1,514 |
| Allstate | 72 | $1,414 |
| Dairyland | No Data | $2,406 |
| Iowa Farm Bureau | No Data | $1,399 |
| Farmers Union Insurance | No Data | $1,440 |
MoneyGeek found that Auto-Owners is the best option in Kansas for best full coverage car insurance, offering top-notch service and affordability with a MoneyGeek score of 92 out of 100, at an annual premium of $971.
Auto-Owners has the highest rankings in both customer satisfaction and affordability in Kansas, which are key factors contributing to its superior MoneyGeek score. In Kansas, many companies provide different experiences regarding cost and service. If savings are a priority, you can look at MoneyGeek's comprehensive analysis of the companies that offer the cheapest full coverage car insurance in Kansas.
Ranks well in claims satisfaction, rank 1 in the state
Offers roadside assistance and gap insurance, rank 2 for key coverages
Does not excel in customer service with a score of 31
Ranks number 3 in state for cost, with an average annual premium of $971
Auto-Owners has a high MoneyGeek scores, with exceptional satisfaction (30 out of 35) and claims handling (20 out of 20). It provides essential common coverages, including roadside assistance and rental car and/or travel reimbursement. Auto-Owners covers the basics but also offers additional value with coverages useful to a wide range of drivers. Diminished value coverage ensures that if a car loses value after an accident, despite repairs, the policy can account for this loss. Gap insurance is a noteworthy addition for new car owners, covering the difference between the car's actual value and the amount owed on a lease or loan if the vehicle is totaled. Auto-Owners has a high MoneyGeek Score of 92, supported by strong scores in affordability (28 out of 30) and coverage (9 out of 10).
Auto-Owners is the best option in Kansas for consumers seeking top-notch car insurance customer service.
Auto-Owners balances customer satisfaction, claims handling and financial stability, contributing significantly to its top MoneyGeek score. It also offers this superior service at a more affordable cost than its closest competitor, Shelter.
In Kansas, drivers encounter a spectrum of companies with varying levels of customer satisfaction and claims handling experiences. Ensuring that an insurer can be relied upon to manage claims effectively and maintain a high level of customer support is invaluable.
Rank 1 in state for claims satisfaction
Offers diminished value and accident forgiveness coverages
Rank 2 in key coverages
Does not excel in customer service, with a score of 39.54
Auto-Owners stands out with exceptional satisfaction (40 out of 45) and claims (30 out of 30) scores influencing its high MoneyGeek Score. The company offers roadside assistance and rental car and/or travel reimbursement, accident forgiveness and deductible modification.
Auto-Owners Insurance Co also caters to more specific needs with rare coverages like diminished value coverage. The personal automobile plus package bundles several protections, simplifying coverage for customers. Gap insurance fills the financial gap between a car's actual value and loan amount. These offerings make Auto-Owners a strong choice for comprehensive auto insurance protection.
MoneyGeek found that Auto-Owners is the best option in Kansas for drivers seeking the most competitive car insurance for minimum coverage.
Auto-Owners stands out in Kansas because of its exceptional affordability and top-tier claims handling. As the company with the top MoneyGeek score, it offers drivers an annual cost of just $349 for the minimum insurance required by law in Kansas.
Many insurers in Kansas provide affordable minimum coverage car insurance, opting for the bare minimum may mean exposing oneself to significant financial risk. In the event of a serious accident, minimum coverage may not fully cover the costs incurred.
Offers common discounts like bundling, safe driving, and multiple car
Ranks 2nd in state for affordability, with an average annual premium of $349 for minimum coverage
Leads in claims handling satisfaction, ranking 1st in the state
Lacks common discounts such as anti-lock brakes and airbag
Auto-Owners leads with strong affordability and claims handling, boasting near-perfect scores of 39 (out of 40) and 20 (out of 20) respectively—key components in its 88 MoneyGeek Score. With an average annual premium of just $349, coverage under Auto-Owners is accessible for the average driver. While the discount data for this company may be limited, their competitive pricing still signifies value. Customer satisfaction and stability of Auto-Owners is high, with scores of 15 (out of 25) and a perfect 5 (out of 5) respectively. Customers looking for robust coverage can also find assurance in its score of 9 (out of 10), further solidifying Auto-Owners as a top-tier insurance provider.
In Kansas, driver age significantly influences car insurance rates, with varying cost implications and specific coverages and discounts for each age group. MoneyGeek found that Nationwide, with a score of 84, is the best option for teens, offering affordability at an annual premium of $878 and satisfactorily claims handling. For young adults and seniors, Auto-Owners leads the way, scoring 91 for both groups. Young adults can expect to pay an annual premium of $1,261, while seniors benefit from a slightly lower rate of $923, making Auto-Owners the optimal choice for these age brackets in Kansas.
Best for teens: Nationwide
Best for seniors: Auto-Owners
Best for young adults: Auto-Owners
MoneyGeek found that Nationwide is the best option in Kansas for car insurance for teens, offering an impressive balance of affordability and customer satisfaction.
Nationwide stands out for teen car insurance due to its top-tier affordability and claims handling. These factors greatly contribute to their high MoneyGeek score, making them a preferred choice for families. To get cheap car insurance for a teen in Kansas, it is significantly more cost-effective to add them to a family policy, with Nationwide's annual premium being notably affordable at $878 for a teen policy.
Adding a teen to a car insurance policy in Kansas, as in other states, is more expensive due to the higher risk associated with younger, less experienced drivers. By choosing a company with a strong MoneyGeek score, families in Kansas can mitigate these costs, securing valuable coverage without sacrificing quality.
Offers good student discount
Ranks 1st in state for cost, average annual premium $878
Customer service could be better, ranks 28th
Nationwide's high MoneyGeek Score of 84 is largely due to its perfect coverage score of 10 (out of 10) and maximum affordability score of 30 (out of 30), indicating it has comprehensive plans at competitive prices. For families with teens, Nationwide is an added bonus, offering two sought-after discounts for young drivers: a good student discount for maintaining good grades and a multiple car discount, which is invaluable when adding young drivers to a policy.
Nationwide provides rare coverages such as identity theft coverage, safeguarding individuals and families against identity theft. It also offers total loss deductible waiver, ensuring that if your car is declared a total loss, you can avoid the financial strain of your deductible.
MoneyGeek found that Auto-Owners Insurance Co is the best option in Kansas for seniors seeking quality car insurance coverage.
Auto-Owners has the highest satisfaction score among its competitors, which indicates a significant level of customer contentment. Its strong performance in claims handling and coverage options further contributes to its leading status. Importantly, for seniors searching for cheap car insurance for a senior in Kansas, the annual cost of a policy with Auto-Owners is $923, maintaining competitive pricing while providing excellent service.
Car insurance premiums for seniors doesn't always exceed those of middle-aged drivers in Kansas and many other states, as evidenced by rates analyzed for seniors in their 60s. As age increases, so does the likelihood of higher premiums, with individuals in their 70s and 80s typically facing increased costs.
Offers roadside assistance and rental car/travel reimbursement
Ranks 1st in the state for claims satisfaction
Ranks 5th in the state for cost, average annual premium is $923
Does not excel in customer service
Auto-Owners Insurance has a stellar MoneyGeek score of 91. Despite not offering roadside assistance or rental car/travel reimbursement, its high scores in customer satisfaction (31 out of 35) and claims handling (20 out of 20) are enough to outweigh the absence of these coverages. The company boasts an average annual premium of $923, but it is important to note that it does not provide a senior discount, While additional comforts like roadside assistance and rental car/travel reimbursement are not part of its offerings, the company's focus on core benefits is evident through its high scores.
Auto-Owners is the best option in Kansas for young adults seeking a balance of cost and quality coverage in their car insurance.
Auto-Owners has a superior MoneyGeek score, which is especially critical for drivers in their 20s in Kansas. It has excellent performance in satisfaction, stability and claims handling, which are significant contributors to the overall MoneyGeek evaluation. The annual premium of $1,261 stamps it as a competitive choice for a young adult's policy.
Young adults tend to pay more for car insurance due to inexperience on the road and a higher statistical likelihood of being involved in accidents. Insurers consider this higher risk in their pricing models, a common industry practice detailed on cheap car insurance for a young adult in Kansas.
Ranks well for claims satisfaction, being 1st in the state
Offers good student and distant student discounts
Ranks 4th in state for cost, with an average annual premium of $1,261
Does not offer driver's education discount
Auto-Owners Insurance Co. excels with high satisfaction and claims handling, contributing notably to its reputable MoneyGeek Score of 91. Although no young driver discounts such as good student, distant student or driver’s education are available, the company’s merits in affordability, service and other categories make it a good choice. In terms of common coverages, Auto-Owners does not provide rental car or roadside assistance, which could be considered slight drawbacks. Auto-Owner's competitive pricing achieves an affordability Score of 27 (out of 30). The company's stability (5 out of 5) and adequate coverage score (9 out of 10) exhibit an unwavering commitment to providing reliable insurance to consumers.
MoneyGeek found that American Family is the best option in Kansas for drivers with driving offenses, providing excellent car insurance with a competitive edge in both satisfaction and affordability.
American Family offers high customer satisfaction and affordability. MoneyGeek's scoring system, which reflects data from drivers with speeding tickets, at-fault accidents and DUIs, places a significant emphasis on claims handling and coverage options. American Family not only excels in satisfying customers but also offers the lowest annual premium of $996 for drivers with offenses in Kansas. This cost-efficiency firmly establishes American Family as a leading choice for those seeking cheap car insurance as a high risk driver in Kansas, although premiums tend to be slightly higher compared to drivers in other age demographics.
It's typically more expensive to insure drivers with a record of traffic violations or accidents because these factors increase the perceived risk for insurers. These infractions can lead to a higher probability of future claims, prompting insurance companies to charge more to mitigate this risk.
Ranks well in state for cost, 1st out of many, with $996 average annual premium for full coverage with driving offenses.
Offers common coverages such as roadside assistance and rental car/travel reimbursement, and reasonably common coverages like accident forgiveness and gap insurance.
Does not excel in customer service with a score of 31
Lacks rare coverages such as OEM coverage, which may be important for some customers
American Family's outstanding MoneyGeek Score can largely be attributed to its affordability (30 out of 30) and satisfaction (31 out of 35), American Family offers essential coverages like roadside assistance and rental car/travel reimbursement, as well as accident forgiveness and gap insurance. With an average annual premium of $996, this company stands out as an affordable choice, especially for drivers who typically face higher rates due to offenses.
Gap insurance covers the difference between the car's market value and what is still owed on it, offering protection against financial loss in the event of a total loss accident. These advantages underscore American Family's commitment to providing comprehensive support to drivers, regardless of their driving history.
MoneyGeek found that Travelers is the best option in Kansas for drivers with new cars seeking car insurance. This top-ranking is particularly significant considering the critical coverages that are often essential to new car owners are included.
Travelers distinguishes itself as the foremost choice by not only offering competitive rates but also including valuable coverages like new car replacement and/or better car replacement, which can be crucial for those with a new vehicle. With an annual cost of $1,166, Travelers not only scores high overall but also proves to be a potentially money-saving option for Kansas's new drivers in the long run.
Ranks well in state for claims satisfaction, citing rank 1
Offers new car replacement coverage
Affordable, ranking 1 out of competitors, with $1,166 average annual premium
Doesn't excel in customer service, with a score 28
Travelers excels in affordability and claims handling, leading to an impressive MoneyGeek Score of 93 (out of 100). With an average annual premium of $1,166, Travelers stands as an affordable choice for comprehensive auto insurance coverage. Traveler's new car replacement coverage is a high-value option for anyone with a new car. If your car is totaled or stolen within the first five model years, Travelers will replace it with a brand-new car of the same make and model. Additionally, this provider scores highly in customer satisfaction (28 out of 35), claims handling (20 out of 20) and coverage (10 out of 10). Travelers offers roadside assistance and accident forgiveness as well as gap insurance.
MoneyGeek found that Auto-Owners is the best in Kansas for car insurance tailored to military personnel, boasting the top MoneyGeek score in the state.
USAA is also a good option for those with a military background but based on the MoneyGeek score, which values a balance of service quality and affordability, it did not win in Kansas.
Auto-Owners has outstanding satisfaction, claims handling, coverage quality and financial stability, contributing to its top placement. Not only does it score high across various performance metrics, but it also comes at a competitive annual cost of $971. Military drivers focused on rates might consider researching the cheapest car insurance in Kansas for military drivers.
Ranks well in claims satisfaction, taking the top spot
Offers accident forgiveness and diminished value coverage, ranking second for key coverages
Does not excel in customer service with a score of 31 or lower
More expensive than some insurers, ranking fourth in affordability
Does not offer OEM coverage
Auto-Owners Insurance Co. stands out with near-perfect scores for satisfaction and claims handling, significantly contributing to its high MoneyGeek Score of 92. This achievement highlights Auto-Owner's commitment to customer contentment and efficient claims resolution. Their average annual premium is a competitive $971. Although specifics on rare coverages are not provided, clients can rest assured that the common coverages available meet the fundamental needs of a multitude of drivers.
These include liability insurance, which is crucial for protecting against financial losses from at-fault accidents, and comprehensive insurance, offering protection from non-collision related damages such as theft or natural disasters. Collision insurance supports drivers by covering repair expenses when their vehicle is damaged in an accident. Auto-Owners offerings underscore its 9 (out of 10) coverage score, solidifying its position as an industry leader.
In Kansas, the finest car insurance providers distinguish themselves through a blend of affordability, financial credibility and high-quality service. MoneyGeek has streamlined this selection for you, identifying insurers that excel in these areas. For those inclined to conduct their own research, a thorough evaluation should include at least four specific steps.
Exceptional customer service is essential for car insurers in Kansas, as it ensures a smooth experience during stressful times, like after an accident. Customers should independently verify insurers' service records through resources like JD Power and the NAIC. According to MoneyGeek, Auto-Owners ranks highest for service in Kansas, with a customer satisfaction score of 40/45 and a claims handling score of 30/30.
Kansas drivers can benefit from comparing car insurance quotes to find affordable rates without compromising on quality. Personal research is key, as the cheapest option can vary based on individual profiles. MoneyGeek's analysis identified Auto-Owners as offering the best minimum coverage in Kansas, with an annual premium of $349.
Choosing the right coverages is essential when selecting a car insurance policy in Kansas. It's important for drivers to research and find insurers that offer coverages aligning with their needs. Based on MoneyGeek's findings, American Family is the only insurer with a perfect coverage score of 10, indicating it provides all four key coverages: rental car and/or travel reimbursement, roadside assistance, gap Insurance and OEM coverage.
Ensuring your insurer has a strong financial stability rating is vital, as it reduces the risk of claim denial due to financial incapacity. Researching this aspect is crucial for peace of mind. According to MoneyGeek, Auto-Owners, Travelers and State Farm all received a perfect stability score of 5, indicating the highest financial strength rating of A++ from A.M. Best.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Auto-Owners has been determined to be the best car insurance in Kansas overall, with a MoneyGeek score of 92. The company stands out with an annual premium of $971. The two biggest factors contributing to its score are satisfaction, with a score of 31 out of 35, and claims handling, with a perfect score of 20 out of 20.
Auto-Owners is also recognized as the best for cheap car insurance in Kansas, with an affordable annual premium of $349 for a minimum coverage policy and a MoneyGeek score of 88. While minimum coverage policies are the most affordable, they may not provide comprehensive protection. Consumers can still find affordable full coverage policies by comparing quotes to ensure both cost savings and adequate coverage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
