Cheapest and Best Non-Owner Car Insurance in Kansas (2024)

For people who need insurance but don’t own cars, non-owner car insurance in Kansas offers liability coverage. This insurance could be beneficial if they frequently borrow someone else's car or want continuing car insurance protection. Those who have committed traffic violations, such as a DUI, may find that their driver's licenses are reinstated more swiftly if they carry non-owner auto insurance.

In Kansas, Auto-Owners offers the best non-owner car insurance at the lowest prices. This company also provides the state's cheapest SR-22 car insurance if you have a traffic violation on your record.

One company filled in MoneyGeek’s top spots for the cheapest non-owner car insurance in Kansas for drivers with clean records and those with driving violations:

• Drivers with clean records: Auto-Owners ($17 per month)
• Drivers with violations: Auto-Owners ($20 per month)

You should expect to pay more for non-owner car insurance if you have driving violations. The least expensive insurance costs an extra $3 per month for drivers with offenses.

The most affordable non-owner car insurance for Kansas drivers with clean records is provided by the following insurers:

• Auto-Owners: $17 per month
• GEICO: $20 per month

USAA is the least expensive choice in the state at $14 per month. However, it is only available to those who are currently serving in the military, veterans and their relatives. Compared to the national average of $43, Kansas' non-owner auto insurance monthly rate is $27.

For Kansas residents with prior driving violations, the following insurance companies provide the cheapest non-owner auto insurance:

• Auto-Owners: $20 per month
• State Farm: $25 per month

Additionally, USAA provides military personnel and eligible family members in Kansas with cheap SR-22 insurance for approximately $22 per month.

If you commit a driving infraction, such as a DUI, you may need to file an SR-22, which will increase the overall cost of your insurance. In Kansas, the average cost of non-owner SR-22 insurance is $27, which is $16 less than the national average.

Non-owner car insurance provides liability protection to those who use or rent cars but do not own them. Although it excludes comprehensive and collision insurance, it does provide liability protection against potential claims for bodily harm and property damage. It does not, however, safeguard you from injury or damage to the vehicle you’re driving. The table below outlines the differences between non-owner car insurance and full coverage insurance.

The average monthly rate of non-owner car insurance in Kansas is $27, which is significantly lower than the $43 average cost nationwide. Companies generally take location into account when determining car insurance premiums. However, there are a number of additional factors, such as your driving record, make and model of car, age and policy options, that could have a greater impact on insurance premiums.

The best non-owner auto insurance companies in Kansas, according to MoneyGeek’s analysis, are as follows:

• Auto-Owners: MoneyGeek score 76 out of 100
• GEICO: MoneyGeek score 71 out of 100
• State Farm: MoneyGeek score 69 out of 100

For this assessment, we analyzed pricing, AM Best ratings for financial stability and J.D. Power customer service statistics. To help you find the insurer that most effectively matches your needs, we have examined the top three insurance providers.

Non-owner auto insurance is helpful for folks who don’t own cars yet occasionally require coverage. For example, it’s a good fit for people who frequently rent cars, borrow them from family and friends or seek to have their licenses reissued. In the list below, we outline how non-owner auto insurance may offer the greatest value for different driver types.

If you're considering purchasing non-owner car insurance in Kansas, we answered some frequently asked questions to help you get started.