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We’re in the business of breaking down car insurance for you in a way that actually makes sense. If you are sick of Wizard of Oz jokes, can see clear across the state (on account of it being flat and all), and need some car insurance cost information that pertains to you, this page will be right up your alley.
What Are You Looking For?
- Kansas’s Cheapest Companies
- How Much Drivers Like You Spend On Auto Insurance
- Specific City Rates
- Most Popular Kansas Car Insurance Companies
- Customer Satisfaction Ratings
- Our Recommendation
What Kind of Auto Insurance Coverage Are You Looking For?
Out of 10 cities and 10 driver profiles, we found car insurance annual averages for 21 insurance companies. Our research shows that on average, Travelers Insurance is the most affordable car insurance provider in the Sunflower State. At about $937.14 a year, or roughly $78 a month, it is almost $100 cheaper than Progressive and American Family Insurance, the second and third cheapest companies.
Why should this matter to you? For one, if you’re looking for the cheapest quotes in Kansas for the average driver, this will give you a place to start. It’ll also show you the range of what people pay from company to company. Travelers is just under $940 and is much cheaper than Traders which hit the $4,000 mark. Take a look and see for yourself to see the cheapest car insurance companies in Kansas according to our analysis.
| Cheapest to Most Expensive | |
|---|---|
| Travelers | $937.14 |
| Progressive | $1,040.60 |
| American Family | $1,041.12 |
| State Auto Mutual | $1,075.21 |
| QBE Insurance | $1,132.00 |
| Cincinnati Insurance | $1,231.35 |
| Iowa Farm Bureau | $1,236.52 |
| Safeco | $1,278.14 |
| Alliance Insurance | $1,304.92 |
| GEICO | $1,339.08 |
| USAA | $1,353.76 |
| CSAA Insurance | $1,366.83 |
| Shelter Insurance | $1,444.31 |
| Nationwide | $1,445.15 |
| Allstate | $1,456.43 |
| State Farm | $1,485.07 |
| Farmers | $1,506.19 |
| Auto Club Enterprises | $1,538.73 |
| Brickstreet Mutual | $1,566.06 |
| Dairyland | $2,465.44 |
| Traders Insurance | $4,265.16 |
Keep in mind, auto insurance rates will vary based on a number of factors, including the types of coverage you add to your policy. Kansas has a minimum coverage requirement that includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. In order to make sure your own vehicle is protected, it is recommended you add collision coverage and comprehensive coverage to your policy as well. Liability insurance only pays for the damages of other drivers if you’re in an accident.
If you just rely on the averages, you may not get the lowest rates available to you. When shopping for insurance, always run a few quotes and look for discounts to see what the average rates are for you.
How Much Do Drivers Like You Spend on Car Insurance?
at your age, gender, driving history, and more. This is so that they can determine the amount of risk they are accepting by writing you a policy, as well as how much coverage you need. To help you see how much you may pay based on your driving profile, we’ve broken down rates into several categories. Remember, you are unique, so these rates should only be used to give you an indication of what you may pay.
Cheapest For Women and Men
Ladies, you definitely luck out on car insurance premiums in Kansas. You’ll pay 19% less on average than men. This may be because women are seen as lower risk customers. A clean driving record also factors into this. Our research shows that Travelers is the most affordable regardless of sex. Progressive is the second cheapest option for women, but isn’t in the top three for male drivers. For comparative purposes, here are the companies with the cheapest to most expensive premiums for female and male drivers:
| Ladies | Guys | ||
|---|---|---|---|
| Travelers | $801.57 | Travelers | $1,072.71 |
| Progressive | $887.88 | American Family | $1,096.58 |
| American Family | $985.65 | State Auto Mutual | $1,140.77 |
| State Auto Mutual | $1,009.65 | Progressive | $1,193.31 |
| QBE Insurance | $1,067.23 | QBE Insurance | $1,196.77 |
| Cincinnati Insurance | $1,094.23 | Iowa Farm Bureau | $1,311.27 |
| Safeco | $1,152.90 | Cincinnati Insurance | $1,368.46 |
| Iowa Farm Bureau | $1,161.77 | Alliance Insurance | $1,382.08 |
| CSAA Insurance | $1,203.35 | Safeco | $1,403.38 |
| Alliance Insurance | $1,227.77 | GEICO | $1,422.04 |
| GEICO | $1,257.19 | USAA | $1,442.93 |
| USAA | $1,266.31 | CSAA Insurance | $1,530.31 |
| State Farm | $1,303.01 | Allstate | $1,546.28 |
| Nationwide | $1,305.96 | Farmers | $1,554.67 |
| Shelter Insurance | $1,312.46 | Shelter Insurance | $1,576.15 |
| Allstate | $1,370.04 | Nationwide | $1,584.35 |
| Auto Club Enterprises | $1,433.81 | Auto Club Enterprises | $1,647.84 |
| Brickstreet Mutual | $1,452.69 | State Farm | $1,667.14 |
| Farmers | $1,460.04 | Brickstreet Mutual | $1,681.65 |
| Dairyland | $2,327.26 | Dairyland | $2,596.70 |
| Traders Insurance | $3,691.37 | Traders Insurance | $4,838.95 |
Cheapest For Teens
Teen drivers are new to the road, so insurance companies know to expect an accident or two. This is also a reason why teens pay more for auto coverage. Teens are more likely to make big mistakes, and they don’t always react to hazards older adults would see early on. Teens also have more issues with distractions.
American Family tops our list of most affordable for less experienced drivers at $1,775.80 a year. Notice that Travelers, the state’s overall most affordable, doesn’t make the list of affordable options for teens. Based on male and female 16-year old drivers, here are the rates you might expect to pay starting with the cheapest coverage available:
| Best for Teen Drivers | |
|---|---|
| American Family | $1,775.80 |
| Cincinnati Insurance | $2,132.50 |
| Alliance Insurance | $2,193.90 |
| State Auto Mutual | $2,262.40 |
| QBE Insurance | $2,293.70 |
| Iowa Farm Bureau | $2,509.40 |
| Nationwide | $2,573.00 |
| GEICO | $2,653.38 |
| Shelter Insurance | $2,742.60 |
| Brickstreet Mutual | $2,816.53 |
Cheapest For 21-Year Olds
You’re not a teen anymore, but you’ll still pay more as a young driver than more experienced people. A 21-year old may have tickets lingering from their teen years. More importantly, though, you don’t have a long driving record on your own. Prices are better than when you were 16, but insurance companies are still wary.
Take State Auto Mutual for example, which has the most affordable rates for drivers in this age group. Its rates drop almost 50% when comparing teens to drivers in their 20’s. Check out the cheapest auto insurance providers for the average 21-year old male or female driver:
| Best for Drivers Age 21 | |
|---|---|
| State Auto Mutual | $1,224.60 |
| American Family | $1,240.40 |
| QBE Insurance | $1,321.70 |
| Iowa Farm Bureau | $1,544.00 |
| CSAA Insurance | $1,553.20 |
| USAA | $1,565.65 |
| Travelers | $1,596.80 |
| State Farm | $1,605.59 |
| GEICO | $1,619.40 |
| Cincinnati Insurance | $1,636.30 |
Cheapest For Established Drivers
When you hit your mid 20’s, the average cost drops about 45%. At this point, you’ve been driving and paying your insurance on your own for awhile. The tickets and accidents from your teen years have fallen off your driving record. That’s seriously good news for you.
Want some more? Check out the cheapest car insurance rates by provider in Kansas for your age group:
| Best for Middle Age Drivers | |
|---|---|
| State Auto Mutual | $718.73 |
| Travelers | $748.27 |
| USAA | $773.43 |
| Progressive | $785.32 |
| State Farm | $810.18 |
| American Family | $821.09 |
| QBE Insurance | $822.18 |
| Allstate | $827.91 |
| CSAA Insurance | $832.73 |
| Cincinnati Insurance | $872.36 |
| Iowa Farm Bureau | $893.55 |
| GEICO | $899.36 |
| Alliance Insurance | $970.55 |
| Nationwide | $985.18 |
| Auto Club Enterprises | $1,019.64 |
| Shelter Insurance | $1,060.55 |
| Safeco | $1,112.73 |
| Farmers | $1,123.27 |
| Brickstreet Mutual | $1,201.27 |
Cheapest For People Over 50
Looking at men and women drivers age 55 and 70, we found that you’ll pay a lot less than other groups for car insurance. Our sample group had clean driving histories. So rates will change if you have an accident or two on your record. Under these ideal mature driver profiles though, rates will be much lower for experienced drivers, as they are seen as a less risky profile to insure. Here are the cheapest companies in Kansas:
| Best for Drivers Over 50 | |
|---|---|
| State Auto Mutual | $593.82 |
| Travelers | $672.09 |
| QBE Insurance | $678.36 |
| Progressive | $679.77 |
| CSAA Insurance | $705.45 |
| Iowa Farm Bureau | $731.09 |
| State Farm | $738.91 |
| American Family | $740.00 |
| USAA | $758.77 |
| Cincinnati Insurance | $804.73 |
| Allstate | $814.36 |
| Alliance | $849.64 |
| GEICO | $865.82 |
| Nationwide | $866.82 |
| Shelter Insurance | $870.55 |
| Auto Club Enterprises | $897.64 |
| Brickstreet Mutual | $989.09 |
| Safeco | $1,000.18 |
| Farmers | $1,012.73 |
What Are Average Rates in Each City?
Home sweet home is definitely better in some places than others. Why? Because car insurance rates vary by city. For instance, you’ll pay nearly double for insurance in Garden City than what you’d pay in Colby. It seems nuts, but insurance companies have their reasons (crime rate, demographic, etc.). Populous cities translate to more cars on the road and a greater chance of accidents. Check out the cost of auto insurance for drivers in your city below.
| Price by City | |
|---|---|
| Colby | $855.79 |
| Johnson County: Zip 66221 | $1,209.25 |
| Salina | $1,259.33 |
| Manhattan | $1,267.62 |
| Lawrence | $1,315.80 |
| Chanute | $1,365.91 |
| Topeka | $1,378.18 |
| Wyandotte County | $1,398.89 |
| Johnson County: Zip 66204 | $1,413.30 |
| Wichita | $1,458.93 |
| Garden City | $1,593.39 |
Who Are The Most Popular Kansas Car Insurance Providers?
A word we use to talk about popularity is “market share.” It shows us the percentage of customers a company has compared to competitors.
Market share is a great way to gauge how a company is doing in your area. Take State Farm for instance. It’s the top auto provider in Kansas, but it’s in the middle of the road when it comes to premiums. The smart thing to wonder about here is why the most people flock to a company that isn’t the cheapest?
It could be that its coverage and customer service outweighs the cost. While the cheapest option in Kansas for the average driver is Travelers at just around $940, it doesn’t rank in the top for market share. When you get quotes for insurance, you can compare coverages and other factors that matter. You can also consider factors such as the financial stability of the company. If an insurance company is on the verge of going bankrupt, they may have low rates, but that could cause you serious problems later on.
| Most Popular | Market Share | Average Annual Rate |
|---|---|---|
| State Farm | 20.51 | $1,485.07 |
| American Family | 12.67 | $1,041.12 |
| Progressive | 10.24 | $1,040.60 |
| Iowa Farm Bureau | 8.21 | $1,236.52 |
| Farmers | 7.99 | $1,506.19 |
| USAA | 5.18 | $1,353.76 |
| Allstate | 4.91 | $1,456.43 |
| Nationwide | 4.39 | $1,445.15 |
| GEICO | 4.17 | $1,339.08 |
| Liberty Mutual | 4.15 | N/A |
You can pull the decision trigger here, but we want you to see how companies measure up with market share in comparison to their rates.
Which Auto Insurance Companies Have The Most Complaints?
Ever complain about something with your insurance? It didn’t go unheard. There’s something called a “complaint index” that logs the percentage of customers who complain compared to a company’s market share. You just need to know that the lower the number, the less complaints a company has and the happier the customers as a whole probably are. The higher, and well, you can put two and two together.
USAA is ranked the best for low customer complaints in Kansas, while Traders is astronomically high. If you’re looking for an insurance company, make sure they have a low complaint index by checking out this list.
| Best Customer Service | Complaint Index |
|---|---|
| USAA | 0.36 |
| Progressive | 0.56 |
| State Farm | 0.57 |
| Shelter Mutual Insurance Company | 0.65 |
| American Family | 0.75 |
| Allied Property & Casualty Insurance Company | 0.76 |
| Travelers | 0.77 |
| Farmers | 0.83 |
| American Standard Insurance Company of Wisconsin | 1.00 |
| GEICO | 1.06 |
| Allstate | 1.07 |
| Safeco | 1.16 |
| Nationwide | 1.19 |
| Automobile Club Inter-Insurance Exchange | 1.56 |
| Dairyland Insurance Company | 3.44 |
| Traders Insurance Company | 5.86 |
What do we recommend?
We provided you with all of this information so that you can make up your own mind about the car insurance company you want to work with! We’re just here to help you along with all the facts and information you need to do so.
Based on overall scores, American Family, GEICO, Progressive, and State Farm all ranked in the top ten for cheapest coverage, most popular by market share, and best customer service (based on low complain indexes). In general, it’s smart to go with a company that’s all-around excellent. While there are cheaper options out there, they might fall short in customer service or coverage, so it’s something to think about for sure.
If you still have questions, give an agent a call today. The number’s [mapi-phone /].
Where We Found The Facts
All the stuff you read on this page is true and came from the credible links below. We just used our own brains to calculate premiums from the data. While the numbers there are right for those driver categories, they might not be exactly what you get when you call for a quote. That’s because insurance companies use billions of data points based on your exact information (such as your age, marital status, credit score, and driving record) to determine your unique quote. The best way to get the right price is to call! This is just here to give you an idea of what to expect when you get your own auto insurance quotes.
Source Links:
- Kansas Department of Insurance
- Valuepenguin.com