Auto-Owners offers Kansas' cheapest non-owner car insurance for drivers with clean records at just $17 a month, well below the state average of $27 for minimum coverage. Explore the table below for more affordable options.
Cheapest Non-Owner Car Insurance in Kansas
Updated: January 30, 2025
Advertising & Editorial Disclosure
Best Cheap Non-Owner Car Insurance in Kansas: Key Takeaways
Auto-Owners offers the cheapest non-owner SR-22 car insurance for drivers with incidents in Kansas, averaging $20 monthly.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet Kansas' minimum coverage requirements.
Consider non-owner insurance if you often borrow or rent cars or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Kansas
| Auto-Owners | $201 | $17 |
| GEICO | $238 | $20 |
| State Farm | $257 | $21 |
| Travelers | $370 | $31 |
| Progressive | $370 | $31 |
| Farmers | $430 | $36 |
| Nationwide | $537 | $45 |
Cheapest Non-Owner SR-22 Car Insurance in Kansas
Auto-Owners has the most affordable SR-22 non-owner policy in Kansas at just $20 monthly, lower than the state average of $39 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $239 | $20 |
| State Farm | $296 | $25 |
| GEICO | $405 | $34 |
| Travelers | $473 | $39 |
| Nationwide | $603 | $50 |
| Progressive | $612 | $51 |
| Farmers | $677 | $56 |
How Much Is Non-Owner Car Insurance in Kansas?
In Kansas, the non-owner car insurance cost averages $27 per month, less than the national average of $43. For SR-22 insurance, drivers pay about $39 monthly, compared to the $48 national average for those with a recent accident and $35 for those with a clean record. Your premium can vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Kansas Average Cost
Monthly Premium
$27Non-owner car insurance in Kansas is cheap:$16 saved
This is 37% less expensive.
Kansas Non-Owner Car Insurance: Buyer's Guide
We’ve created a guide for Kansas drivers to help them decide if non-owner insurance suits them. It explains this insurance, how it differs from regular policies and the typical costs.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance is a more affordable choice than standard policies. It covers costs if you hurt someone or damage their property while driving. Below, find out how non-owner policies compare to standard plans.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Kansas Allow Non-Owner Car Insurance?
Kansas residents who don't own a car but drive occasionally can secure non-owner insurance. If you need to file an SR-22, you can find affordable plans that meet minimum coverage requirements.
KANSAS MINIMUM INSURANCE REQUIREMENTS
Kansas' minimum coverage requirements apply to non-owner car insurance, too. The minimum limits are:
- $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 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $4,500 personal injury protection (PIP) per person
Consider how much coverage you need before purchasing a policy. In some cases, going beyond the minimum offers better financial protection.
Should You Get Non-Owner Car Insurance in Kansas?
Non-owner insurance is for drivers who don’t own a car and often rent vehicles or use car-sharing services. It is affordable and covers you when renting or borrowing a car, meeting state minimum coverage requirements. Consider how often you drive and the vehicles you use to decide if this plan suits you.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Kansas, as they aren't legitimate and may signal fraud. Opting for insurance from a car rental company is safer for temporary coverage, such as during a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner car insurance provides coverage when driving someone else's vehicle, protecting against out-of-pocket expenses in case of an at-fault accident.
Occasional renters
Non-owner insurance is a cost-effective alternative to rental agency coverage, offering financial protection from claims without daily fees.
Drivers between cars
Drivers without a vehicle can maintain continuous coverage with non-owner insurance, preventing premium increases from coverage lapses when they buy a car later.
License reinstatement-seekers
Drivers looking to reinstate their license after suspension may need proof of insurance. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, also called a Certificate of Financial Responsibility (CFR), is a form that insurance companies file with your state's DMV. It shows you meet the minimum coverage requirements. If you've had a violation, like a DUI or driving without insurance, you might need an SR-22 to drive legally.
Cheap Non-Owner Car Insurance in Kansas: Bottom Line
Kansas provides non-owner car insurance for drivers, including those who need SR-22 forms. The most affordable option is Auto-Owners, followed by GEICO and State Farm. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Kansas: FAQ
Find answers to frequently asked questions about non-owner car insurance in Kansas below.
Which company offers the cheapest non-owner car insurance in Kansas?
Auto-Owners offers the cheapest non-owner car insurance in Kansas at $17 per month. It also provides the cheapest SR-22 rate at $20.
How much does non-owners car insurance cost in Kansas?
In Kansas, non-owner car insurance averages $321 annually or $27 monthly. For drivers needing SR-22 insurance, the annual cost rises to $472 or $39 monthly.
Kansas Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Kansas auto insurance rates by collecting data from the Kansas Department of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Kansas using minimum coverage policies. The state-required minimum coverage includes:
- $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 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $4,500 personal injury protection (PIP) per person
Drivers and Cars in Kansas
To find the best and most affordable companies for non-owner car insurance in Kansas, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.