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Best Car Insurance in Kansas: Top Companies (2023) – MarketWatch

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The best auto insurance companies in Kansas offer quality coverage options, multiple discount opportunities and affordable rates. In this article, we at the Guides Auto Team highlight the best car insurance options in Kansas to help you find the best rates and coverage for your needs. We’ll outline each company’s industry reputation, coverage options, average rates and customer satisfaction ratings.
We analyzed the top Kansas car insurance providers based on coverage options, add-on policy features and overall industry standing. We also considered average cost data from Quadrant Information Services.
State Farm is our highest-rated Kansas car insurance provider. USAA, Nationwide, Progressive and Travelers are also solid options for drivers in the Sunflower State.
*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in Kansas.
Our team weighed several key factors to calculate ratings for customer experience and industry reputation, including:
The results of our team’s August 2022 car insurance survey were also considered when finalizing provider ratings.
In the sections below, you’ll find details on each of our top five recommendations for Kansas car insurance companies. Each provider offers standard liability insurance and full-coverage policies that include collision and comprehensive protection. Drivers can also purchase personal injury protection (PIP), medical payments (MedPay) coverage, uninsured motorist coverage and a variety of add-on policies from each of these reputable insurers.
J.D. Power rating: 843/1,000
AM Best financial strength rating: A++
BBB rating: A+
State Farm is the nation’s most popular car insurance provider according to the National Association of Insurance Commissioners (NAIC), with more than $41 billion in car insurance premiums written in 2021. We named the company our Editor’s Choice because it offers a solid combination of competitive rates, generous discounts and has many local insurance agents spread across the U.S.
Along with standard auto coverage options, State Farm wide range of other policy add-ons include:
In addition to other discounts, State Farm has a usage-based insurance program called Drive Safe & Save™. Good drivers who maintain safe driving habits while using it can save up to 30% on their premium when they renew their policy.
In our team’s national car insurance survey, State Farm policyholders gave the insurer 4.2 out of 5.0 stars for overall satisfaction. The company also received an above-average score of 843 out of 1,000 points in the J.D. Power Auto Insurance Study.
Read more: State Farm insurance review
J.D. Power rating: 879/1,000
AM Best financial strength rating: A++
BBB rating: Not rated
As is the case in many states, USAA offers the lowest average car insurance rates in Kansas. The catch is that the company’s policies are available only to active military, veterans and their immediate family members.
USAA offers standard auto coverage options and add-ons such as:
The company also features rental car reimbursement and classic car insurance. SafePilot®, USAA’s usage-based program, can unlock discounts of up to 30% at policy renewal.
Although it received the highest score in the Central region of the J.D. Power Auto Insurance Study with 879 points, USAA wasn’t formally ranked due to its unique eligibility requirements. In our team’s national auto insurance survey, policyholders gave USAA a strong 4.3 out of 5.0-star rating for overall satisfaction.
Read more: USAA insurance review
J.D. Power rating: 800
AM Best financial strength rating: A+
BBB rating: A+
Nationwide has been in business for nearly 100 years and wrote over $5 billion in auto premiums in 2021 according to the NAIC. Affordable rates and widespread availability make the company a good car insurance option for Kansas drivers.
You’ll find the standard liability and full-coverage auto insurance options from Nationwide, as well as the following key add-on options:
Bundling your auto insurance with other policies, completing a state-approved safety course and driving a vehicle that’s equipped with certain anti-theft devices are all ways to save with Nationwide. Discounts like these can help offset potential higher quotes that may be related to having bad credit or to a spotty driving history.
Nationwide policyholders gave the company a 4.1 out of 5.0-star rating for overall customer satisfaction in our 2022 car insurance survey. The provider’s affordability, coverage, shopping and website scores were all in line with competitors. 
The J.D. Power Auto Insurance Study wasn’t as kind to Nationwide, as the company ranked last among national providers in the Central region, with 800 out of 1,000 points. We reached out to Nationwide for a comment on its low score but did not receive a response.
Read more: Nationwide insurance review
J.D. Power rating: 820/1,000
AM Best financial strength rating: A+
BBB rating: F
The third-largest auto insurer in the U.S. according to the NAIC, Progressive holds 13.7% of the market share. We recommend the company as an ideal option for high-risk drivers, as its rates for those with speeding tickets or a poor credit score are more affordable than most other providers.
To go with its standard auto insurance products, Progressive offers: 
Snapshot® is the company’s usage-based program, and it rewards safe driving habits with premium savings. Be aware, though, that riskier behaviors behind the wheel can lead to higher rates when using Progressive’s telematics program.
Progressive received solid ratings from customers in our 2022 nationwide car insurance survey. Policyholders gave the company a 4.1 out of 5.0-star rating for overall customer satisfaction, along with industry-average ratings in all other categories.
The J.D. Power Auto Insurance Study paints a slightly different picture, with Progressive receiving a below-average score of 820 out of 1,000 in the Central region. The provider also carries an F rating from the BBB. We reached out to Progressive for a comment on these ratings but did not receive a response.
Read more: Progressive insurance review
J.D. Power rating: 832/1,000
AM Best financial strength rating: A++
BBB rating: A
Travelers offers a wide variety of discounts and auto coverage options, which translate to generally affordable rates. The company was founded in 1864 and holds a superior financial strength rating from AM Best.
Travelers offers one of the widest coverage selections in the auto insurance industry. Beyond minimum-liability and full-coverage options, Travelers also offers:
The company features an ample selection of discounts as well, including up to 23% off for safe driving through the IntelliDrive® usage-based program and up to 13% for bundling policies.
In the J.D. Power Auto Insurance Study, the average score for the Central region was 835. Travelers received a score of 832, putting it right around average. Travelers received average or better ratings across the board in our 2022 car insurance survey.
Read more: Travelers insurance review
Several factors will determine your best auto coverage option in Kansas. As you compare car insurance quotes from Kansas providers, be sure to keep the following criteria in mind.
State-mandated car insurance requirements will help you begin evaluating your coverage options in Kansas. The required minimum coverages in the Sunflower State include:
Kansas is a no-fault state, which means insurers cover medical bills no matter who causes a car accident. While this normally results in higher car insurance rates, Kansas is an exception.
To fully protect yourself and your vehicle, we suggest purchasing collision and comprehensive auto coverage. Collision coverage pays for damage to your vehicle after an accident. Comprehensive coverage takes care of damage caused by environmental threats such as floods and tornadoes, as well as damage related to vandalism and theft.
If you have an auto loan or lease, you’ll likely be required to carry a full-coverage auto insurance policy with both collision and comprehensive protection. This allows lenders to protect their investment in your vehicle.
Consider who will be driving any vehicles on your policy. Teen drivers or older adults generally pay higher auto insurance premiums, but they also open the door to more discount possibilities.
According to average cost data from Quadrant Information Services, a full-coverage car insurance policy in Kansas costs $123 per month or $1,471 per year on average. This compares favorably to the national average of $144 per month or $1,730 per year.
The table below shows the average cost of full-coverage car insurance policies for 35-year-old Kansas drivers with clean driving records and good credit scores.
*Car insurance averages by city are based on the three most popular providers per location.
Insurers offer various discounts that can help you find cheap car insurance that fits in your budget. Here are a few of the most popular types of car insurance discounts:
Car insurance companies often feature telematics insurance programs that monitor your driving and reward you for safe habits. Many providers offer a discount for simply signing up, with further savings often available when you renew your policy.
Bundling your auto coverage with your homeowners, renters or life insurance policies is a great way to lock in the cheapest rates.
Many insurance providers reduce rates when drivers add anti-theft devices, blind spot monitoring and other safety features to their cars. Buying a new car with high safety ratings can also result in discounted rates.
We rate State Farm, USAA, Nationwide, Progressive and Travelers as the best car insurance companies in Kansas. Each company offers a variety of optional protections to complement standard auto insurance products. To find the cheapest car insurance company for your coverage needs, we recommend comparing quotes from multiple providers.

The average monthly cost of full-coverage car insurance in Kansas is $123. For minimum-liability coverage, the state average monthly cost is $42.
Car insurance in Kansas is cheaper than the national average. According to Quadrant Information Services, the average cost of a full-coverage policy in Kansas is $123 per month or $1,471 per year. This is about 15% lower than the national average cost of $144 per month or $1,730 per year.
The state minimum coverage limits in Kansas are $25,000 bodily injury liability for one person in an accident, $50,000 bodily injury liability per accident and $25,000 property damage liability per accident. Kansas drivers also need to carry uninsured motorist insurance and personal injury protection due to the state’s no-fault status.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
 
*Data accurate at time of publication.
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