10 Best Auto Insurance Companies in Kansas 2025

State Farm, American Family, and Auto-Owners are the best auto insurance companies in Kansas, offering low rates and dependable claims support.

Although other insurers such as Geico offer lower baseline rates, these are the best places to buy car insurance in Kansas.

The top ten companies provide the most value based on products and services, agent accessibility, and policy perks such as discounts and accident forgiveness.

Top 10 Companies: Best Auto Insurance in Kansas

State Farm is the top option drivers seeking consistent rates and reliable service across all demographics, offering competitive pricing close to the average cost of auto insurance in Kansas.

By comparing premiums, coverage features, and discount opportunities, our guide helps Kansas drivers find balanced protection. Get fast and cheap auto insurance coverage today with our quote comparison tool.

Cheapest Auto Insurance Rates in Kansas

Kansas drivers searching for the lowest monthly rates will often choose Geico, which offers minimum coverage at about $43 per month, followed by Progressive and State Farm in the mid-forties.

However, the cheapest car insurance in Kansas isn’t always the best option. State Farm, Auto-Owners, and American Family offer greater long-term value and reliable coverage, even at slightly higher rates.

Kansas Auto Insurance Monthly Rates by Coverage Level

State Farm sells full coverage car insurance in Kansas at around $101 per month and is praised for strong customer service and dependable claims support.

Auto-Owners, at about $108 per month, is widely trusted for reliable claims, especially during Kansas storms.

American Family, averaging $119 per month, offers valuable benefits like accident forgiveness and loyalty rewards.

As noted in our auto insurance guide, AmFam provides stronger protection and peace of mind beyond just low prices.

How Age Impacts Kansas Auto Insurance Rates

Among Kansas auto insurers, Geico consistently stands out for the lowest monthly rates, especially for younger drivers.

Rates start at about $115 per month at age 18 and drop by almost half to $58 per month by age 25 (Read More: Cheap Auto Insurance for Teens).

Kansas Auto Insurance Monthly Rates by Age

As drivers gain experience, Progressive and Nationwide remain affordable, with Progressive at about $60 per month at age 25.

For older drivers, State Farm and Auto-Owners stand out, offering around $47 and $48 per month at age 45.

Teens in Kansas and young drivers under 25 can keep rates affordable if they maintain a clean driving record.

Usage-based auto insurance in Kansas is also an option, helping teens learn and track safe driving habits for lower rates. State Farm offers Drive Safe & Save with a 30% discount, while Allstate Drivewise users save up to 40%.

Kansas ZIP Code & Auto Insurance Rates

Location plays a major role in what Kansas drivers pay for auto insurance each month, as rates can vary significantly between cities.

While the statewide average is about $66 per month for minimum coverage and $80 per month for full coverage, some areas see higher premiums due to local risk factors.

Coffeyville, for example, averages around $72 per month for minimum coverage and $176 per month for full coverage auto insurance, making it one of the more expensive locations to live.

Wilson averages about $70 per month for minimum coverage and $169 for full coverage, while Herndon is slightly lower at $68 and $165 per month.

How Driving History Affects Kansas Auto Insurance Rates

The cheapest car insurance in Kansas for good drivers is at Geico, averaging $43 per month, and stays affordable after a minor ticket at about $45 per month.

For those with more serious infractions, State Farm offers some of the most stable rates. Premiums are near $61 per month after an accident and $80 per month with a DUI, which is lower than many other car insurance companies in Kansas.

Kansas Auto Insurance Monthly Rates by Driving Record

American Family and Auto-Owners are also competitive, approaching $64 and nearly $71 per month, respectively, after an accident.

While carriers like Liberty Mutual are more than $150 a month after a DUI, insurers such as Geico, State Farm, and American Family provide the best blend of low monthly costs and long-term value for Kansas drivers across all driving histories.

How Credit Score Impacts Kansas Auto Insurance Rates

When comparing Kansas auto insurance by credit score, Geico offers the lowest monthly rates, starting around $39 per month for excellent credit.

However, rates jump to $90 per month for poor credit, which is still the cheapest on the list, but an increase of over $50 per month.

Kansas Auto Insurance Monthly Rates by Credit Score

State Farm and Auto-Owners remain competitive, raising rates to $96 and $103 per month for poor credit.

However, the best value isn’t always the cheapest. American Family provides stronger protection and service, even at slightly higher rates.

All three companies rank among the best auto insurance companies for claims handling, especially after an accident.

American Family, at $44–$112 per month, adds accident forgiveness and long-term value for Kansas drivers who may have less-than-perfect credit ratings.

Minimum Kansas Auto Insurance Requirements

Kansas is a no-fault insurance state. Drivers turn to their own insurance for medical expenses after an accident, regardless of who is at fault.

To legally drive in Kansas, all motorists are required to carry the following minimum liability auto insurance:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Due to the state’s no-fault laws, minimum insurance requirements in Kansas also include $25,000/$50,000 in personal injury protection and uninsured or underinsured motorist coverage (UM/UIM).

These additional requirements protect your out-of-pocket costs after an accident, since each individual driver in Kansas is responsible for their own medical bills and vehicle repairs.

While Kansas minimum insurance coverage requirements do provide some protection, drivers should consider these minimums as only providing minimal coverage and not covering bigger accidents or significant weather-related damage.

Many drivers choose additional car insurance coverage to consider in Kansas, such as collision, comprehensive, gap, and rental reimbursement, for protection against accidents and theft. These options provide greater peace of mind than minimum coverage.

Read More: Liability vs. Full Coverage Auto Insurance

How to Save on Kansas Auto Insurance

Most Kansas insurers offer a variety of discounts that can help lower the monthly cost of coverage, including savings for bundling policies, insuring multiple vehicles, using anti-theft devices or participating in usage-based programs.

Geico and American Family, among the best home and auto insurance companies in Kansas, offer up to 25% bundling savings, while Liberty Mutual and Nationwide give up to 40% off with usage-based programs.

Top Auto Insurance Discounts in Kansas

Beyond traditional discounts, Kansas drivers can further reduce their premiums through practical choices and good financial habits.

Maintaining strong credit often leads to lower rates, as many insurers in the state consider credit-based insurance scores.

• Maintain Good Credit: In Kansas, insurers often use credit history when setting rates. Improving your credit score can lead to lower monthly premiums.
• Pay Premiums in Full: Paying your policy in one annual or semi-annual payment instead of monthly installments can unlock a paid-in-full discount.
• Enroll in Paperless Billing or Auto-Pay: Many insurers offer small but easy savings for opting into electronic documents or automatic payments.
• Take a Defensive Driving Course: Completing a state-approved safety or defensive driving course can qualify drivers, especially teens and seniors, for additional discounts.
• Limit Your Annual Mileage: Driving fewer miles per year can lower your risk profile. Drivers who commute less or work from home may qualify for low-mileage discounts.

Paying premiums in full can remove fees and boost savings. Simple steps like paperless billing or auto-pay also qualify for discounts, as shown in 26 hacks to save money on auto insurance.

Drivers who take defensive driving courses earn extra savings, and low-mileage drivers may also qualify for discounts.

Top Auto Insurance Providers in Kansas

The market for auto insurance in Kansas is mostly dominated by five major providers, each with a unique set of strengths that cater to specific types of drivers.

State Farm, holding the largest share at 27%, ranks as one of the best insurance companies in Kansas for its strong customer service, local agents, and dependable claims handling, making it a top choice for families and long-term policyholders.

American Family holds 20% with strong family-focused benefits and comprehensive auto insurance options.

Progressive entices drivers with solid rates and usage-based programs such as Snapshot. Geico offers low-cost coverage and quick quotes, appealing to drivers seeking rates below the average cost of car insurance in Kansas.

#1 – State Farm: Top Overall Pick

Pros

• Personalized Service: Local agents tailor coverage for Kansas drivers, with minimum rates from $47 per month. Read our State Farm auto insurance review for more
• In-Person Claims Support: Kansas drivers benefit from face-to-face guidance during claims, even when paying around $101 per month for full coverage.
• Long-Term Relationship Value: Many Kansas drivers value annual policy reviews and savings check-ins, especially those paying around $40 per month with excellent credit.

Cons

• Slower Quote Process: Kansas drivers may wait longer for personalized quotes since they often require speaking with a local agent rather than using instant online tools.
• Limited Digital Savings Tools: Kansas policyholders may find State Farm’s usage-based discounts less aggressive than tech-focused programs like Nationwide’s 40% savings.

#2 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Savings Over Time: Long-term Kansas policyholders get lower premiums, helping reduce full coverage from around $119 per month.
• Accident Forgiveness: Loyal drivers in Kansas may avoid large rate increases after a first accident, keeping premiums closer to $64 per month.
• Family-Focused Benefits: Kansas families gain from teen driver coaching and multi-driver rewards over time. Explore our American Family Insurance review.

Cons

• Higher Starting Rates: Initial Kansas rates average about $119 per month, higher than low-cost options like Geico.
• Slow Reward Build-Up: In Kansas, full loyalty perks may take years to unlock, offering limited savings for drivers who don’t plan to stay long-term.

#3 – Auto-Owners: Best for Coverage Flexibility

Pros

• Customizable Coverage Options: Kansas drivers can tailor Auto-Owners policies, with rates starting near $48 per month. Find the full list in our Auto-Owners insurance review.
• Value for Experienced Drivers: Safe drivers in Kansas may pay around $62 per month, gaining flexibility with solid protection.
• Optional Add-On Protections: Extras like accident forgiveness and gap coverage offer Kansas drivers added long-term security.

Cons

• Agent-Dependent Adjustments: Requires working through an agent, which may slow policy changes for Kansas drivers.
• Not Ideal for High-Risk Drivers: Rates for drivers with DUIs or violations in Kansas can exceed $110 per month, reducing affordability.

#4 – Allstate: Best for Drivewise App

Pros

• Accident Prevention Tools: The app offers real-time feedback on braking, speeding, and late-night driving, helping Kansas drivers improve habits and avoid costly accidents.
• Crash Detection Support: Drivewise comes with emergency crash detection alerts that notify EMS if you’ve been in an accident.
• Low-Mileage Incentives: Kansas drivers with shorter commutes or remote work may save more due to lower mileage. Discover details in our Allstate insurance review.

Cons

• Location Tracking Concerns: Drivewise uses GPS to continuously monitor trips, which may be uncomfortable for Kansas users who prefer privacy.
• Battery and Data Drain: Running the app in the background can drain phone battery and data, an inconvenience for drivers relying on mobile navigation across Kansas.

#5 – Geico: Best for Budget Rates

Pros

• Cheapest Minimum Coverage: Geico is among the cheapest car insurance companies in Kansas at $43 per month, making it a great option for cost-conscious shoppers.
• Consistent Rates Across Credit Tiers: Even Kansas drivers with fair credit can find rates near $61 per month, keeping coverage widely accessible statewide.
• Fast Online Quoting: Kansas drivers can secure rates as low as $58 per month by age 25 through Geico’s fast digital platform. Check out our Geico insurance review for insights.

Cons

• Less Tailored for High-Value Vehicles: Kansas drivers with newer or luxury vehicles may find Geico’s coverage too limited, even with lower rates.
• Inconsistent Claims Experience: Some Kansas drivers report slower follow-up during large storm seasons, reducing confidence despite initial savings.

#6 – Farmers: Best for Safe Drivers

Pros

• Steady Rates for Clean Records: Farmers offers Kansas safe drivers stable premiums, averaging about $55 per month, helping maintain predictable costs.
• Strong Claims Support for Storms: Farmers delivers reliable claims support during Kansas storms. Find additional info in our Farmers insurance review.
• Local Agent Guidance: Farmers has local Kansas agents who deliver hands-on assistance to safe drivers by creating coverage designed around their clean driving records.

Cons

• Limited Rewards for Minor Violations: A single speeding ticket can push Farmers’ Kansas rates to about $68 per month, offering less leniency than State Farm.
• Discounts May Vary by Location: Safe drivers in rural Kansas may see lower discounts than those in urban areas due to regional rating differences.

#7 – Liberty Mutual: Best for Add-Ons

Pros

• Flexible Add-Ons: Kansas drivers can add new car replacement to plans averaging $126 per month. See our Liberty Mutual insurance review for more.
• High Anti-Theft Savings: Offers up to 35% off for anti-theft devices, making add-ons more affordable throughout Kansas.
• Weather Protection: Heavy-hitting add-ons are there for Kansas drivers facing hail, storms, and more.

Cons

• Higher Base Rates: Starting rates around $57 per month in Kansas make add-ons costlier than competitors like Geico or State Farm.
• Limited Value for Older Cars: Add-ons like new car replacement offer little benefit to Kansas drivers with aging vehicles.

#8 – Progressive: Best for Risk Drivers

Pros

• Flexible Coverage for High-Risk Drivers: Kansas drivers can add accident forgiveness or deductible savings. Get a complete view in our Progressive auto insurance review.
• SR-22 Filing Support: Progressive is known for accepting drivers requiring SR-22 forms in Kansas, making it a viable option for those recovering from serious violations.
• Accident Recovery Programs: Kansas drivers benefit from optional protections like small accident forgiveness, helping prevent sharp rate increases after a first minor incident.

Cons

• Significant Increase After Accidents: Kansas drivers may see monthly premiums rise to about $83 per month following an at-fault accident.
• Mixed Service Experience: Some Kansas drivers report less personalized claims support, which can be challenging for those managing complex, high-risk situations.

#9 – Nationwide: Best for Deductible Savings

Pros

• Deductible Reduction Rewards: Nationwide lowers your deductible each claim-free year, giving Kansas drivers paying around $109 per month better long-term savings.
• Support for High-Risk Regions: Drivers in Kansas cities like Wichita or Topeka can benefit from deductible relief after accidents, helping offset higher repair costs.
• Enhances Policy Value Over Time: Deductible savings help Kansas drivers justify higher premiums with added protection. Learn more in our Nationwide auto insurance review.

Cons

• Higher Starting Premiums: Nationwide starts around $109 per month for full coverage in Kansas, which may deter drivers seeking the lowest upfront cost.
• Reset After a Claim: If a Kansas driver files an accident claim early, earned deductible credits may reset, reducing the long-term benefit despite higher monthly payments.

#10 – Travelers: Best for Policy Choices

Pros

• Strong Full Coverage Value: For drivers who want cheap full coverage car insurance in Kansas but don’t want to pay fancy premium prices, Travelers is $113 per month.
• Competitive Rates for Mature Drivers: Kansas drivers in their mid-40s may find Travelers around $51 per month, making it a steady option for experienced motorists.
• Reliable Customer Stability: Travelers offers Kansas drivers consistent pricing and long-term policy stability. See our Travelers auto insurance review for details.

Cons

• Limited Appeal for Young Drivers: Rates over $79 per month make Travelers less attractive for Kansas teens and young drivers.
• Average Bundling Benefits: With only 13% bundling savings, Kansas drivers may find better value with insurers offering 20–25% discounts.

Find the Right Kansas Auto Insurance Today

Choosing among the best auto insurance companies in Kansas, such as State Farm, American Family, and Auto-Owners.

Prices start at $39 per month, and these top three providers offer a powerful combination of affordability, dependability, solid service, and responsive customer support.

Prioritizing these trusted insurers and reviewing coverage and quotes from the best car insurance companies helps Kansas drivers stay protected.

Quality over price is dependable when it matters most. Start comparing total coverage auto insurance rates by entering your ZIP code here.