The Best Auto Insurance in Kansas

Kansas is home to nearly 50,000 active-duty military members and families and nearly 200,000 veterans.² Its veteran population is about 10 percent of the state population, which is nearly double the national average. With an average annual full coverage rate of $1,327 in Kansas, USAA is the cheapest provider on our list and the best choice for Kansans who are eligible for USAA memberships.

Sizable Savings

Whether you’re stationed in one of Kansas’ five military installations, USAA offers several discounts on car insurance rates.

• Storage discount: Save up to 60 percent on your car insurance if you keep your vehicle in storage for any reason — for example, if you’re deployed out of state.
• Bundling discount: Bundle your auto insurance with USAA homeowners or renters insurance and earn up to 10 percent off your car insurance.
• Safe-driver discount: Get 10 percent off your car insurance for signing up with USAA’s safe driving program, SafePilot. Complete the program, and earn up to 30 percent off your premiums. You can also get a discount for maintaining a clean driving record for at least five years, or for taking a defensive driver or driver education course.
• Military-base discount: Earn up to 15 percent off your comprehensive coverage premium when you store your vehicle on a military base.
• New-car discount: You can also get a discount for having an anti-theft device in your car.

• Automatic-payments discount: When you set up automatic payments for your policy, you can save up to 3 percent on your auto premium.
• Multiple-vehicle discount: Qualify for a multivehicle discount when you insure two or more vehicles.
• Legacy discount: Young drivers transitioning from their parents’ policy to their own can save 10 percent.

Excellent Customer Satisfaction Ratings

USAA is technically ineligible for J.D. Power’s auto insurance customer satisfaction survey because its availability is limited to those with a military affiliation. That said, USAA’s third-party scores are consistently high. These scores indicate that USAA customers are generally happy with the company’s service, including the initial shopping experience. In other words, those who switch to USAA would likely have a smooth experience.

The J.D. Power Central region customer satisfaction average score is 698 out of 1,000. The insurance shopping average is 676 out of 1,000.

International Coverage

If you’re stationed overseas and want to continue driving, you can transfer your USAA insurance to select international locations. You can also extend that insurance to your family members if they’re approved to join you overseas.

Your USAA plan can extend to the following locations:

• Azores
• Belgium
• Cuba
• France
• Germany
• Greece
• Guam
• Italy
• Netherlands
• Portugal
• Puerto Rico
• South Korea
• Spain
• U.S. Virgin Islands
• United Kingdom

Kansas is home to two of the top five refrigeration warehouses globally and ranks seventh in the U.S. for tons carried through freight.⁴ Because of its central location, the Sunflower State is a hotbed for logistics, fleets, and warehouse companies. And when it comes to commercial auto insurance and fleet insurance, Nationwide is our top choice. Through its Vantage 360 Fleet program, you can access several features that make it easier to track and manage your fleets.

Advanced Fleet Telematics Program

Nationwide’s Vantage 360 Fleet is a free telematics program that allows you to track your drivers and alter their schedules based on unexpected events. If, for example, a driver faces poor weather conditions or hits unexpected traffic, you can redirect their route and identify the safest/quickest path to their destination.

On top of that, Vantage 360 Fleet will collect and analyze your drivers’ habits on the road and reward drivers with points for safe driving. Your drivers can accrue points and redeem them for gift cards.

Customized Fleet Insurance

Nationwide offers customized fleet insurance with specialized coverage options for agribusiness owners. You can curate a combination of fleet insurance, property insurance for your equipment, ranch personal property, ranch structures, and more. Your drivers will benefit from automatic out-of-state coverage and fleet car insurance even if they drive non-hauling vehicles.

If you own a farm or ranch, here are Nationwide’s three farm insurance packages you can customize on top of your fleet insurance:

AgriChoice

• Livestock coverage
• Machinery and equipment
• Farm and ranch structures
• Personal property
• Liability protection
• Detached garages

Affordable Rates for High-Risk Drivers

Even if you’re not a business owner and you fall into certain high-risk groups, Nationwide is worth checking out. Drivers with a DUI, a recent at-fault accident or a poor credit score are considered high-risk by insurance companies. This means their premiums are likely to be higher than those for drivers with clean records. Nationwide offers some of the most affordable rates in Kansas for drivers who are considered high-risk.

Average Rates in Kansas for Drivers with a DUI

The Kansas statewide average for drivers with a DUI is $2,632 a year. Nationwide’s typical annual premium of $2,684 is right around this statewide average and the cheapest DUI rate of all of our top-pick providers.

Average Rates in Kansas for Drivers with a Recent Accident

Drivers in Kansas with a recent accident can expect their premiums to be around $2,431 a year. At only $2,097 a year ($175 monthly), Nationwide’s premiums are around 14 percent less than this average.

Finally, along with GEICO, Nationwide has competitive rates for drivers with low credit in Kansas ($1,774 annual average, which is 31 percent less than the statewide average of $2,563) and households with teen drivers in Kansas ($3,236 annual average, which is 32 percent less than the statewide average of $4,743).

Allstate is one of Kansas’ largest and most recognizable brands, and it offers several ways to customize the best auto insurance policy for your unique needs. The company’s Drivewise program offers savings for safe driving, and its other discounts (like the home bundling discount) come with some of the largest discount percentages in the car insurance industry. Like USAA and Nationwide, Allstate is a good choice for customers who want to work with a local agent.

Usage-Based Insurance

Allstate’s usage-based insurance program, Drivewise, allows you to pay for insurance based on how safely and often you drive. The more safely you drive and the less you drive at night, the less you’ll pay for car insurance. Drivewise is a good option if you’re a safe driver, don’t drive often at night, or seek to improve your driving. However, be aware that poor driving habits can increase your premiums.

Drivewise monitors:

• Speeds over 80 mph
• Hard braking
• Night driving (1:00 a.m. to 4:00 a.m. on weekdays; 11:00 p.m. to 5:00 a.m. on weekends)

Drivewise, which is integrated into the Allstate app, provides key driving insights, tips, daily safety challenges, and a crash detection feature that can send help automatically in the event of an accident. Get a discount for signing up with Drivewise (the percentage varies by state), and continue earning discounts by staying active in the program.

Other Great Savings

Allstate offers several other ways to save on insurance, with or without enrolling in Drivewise. Here are some of the most extensive saving opportunities and discounts you can earn with Allstate:

• Vehicle equipment discount: Install an anti-theft device, adaptive headlights, or other approved safety vehicle equipment to be eligible for this discount.
• FullPay discount: If you pay for your policy in full or complete a year of on-time payments, you could save on car insurance.
• Home and auto insurance bundle: You can save up to 25 percent off your car insurance premiums by bundling home and auto insurance.
• Smart-student discount: If you’re a full-time student or parent of a student, you could earn a discount by meeting these requisites:
  • Maintain at least a B average or a GPA of 2.7 or above
  • Complete the teenSMART driver education program
  • Store your vehicle 100 miles away from where you attend school
• Safe-driver discount: You need to complete a defensive driving course and be accident-free for six months to earn this discount.
• New-car discount: If you’re the first owner of a new vehicle and your car is either the current or last year’s model, you could qualify for this discount.

Strong Third-Party Ratings

USAA, Nationwide, GEICO and Allstate hold the highest possible Better Business Bureau rating of A+. The BBB rates businesses based on how satisfied customers are with the service a company provides. It takes into account factors such as how likely a company is to answer and resolve complaints and how transparent it is in its communication and advertising.

Bundling is a great way to lower your insurance premiums and manage your various policies from the same Liberty Mutual account. With Liberty Mutual, you can bundle additional policies at any time and transfer your renters insurance to homeowners insurance if you buy a home.

Better Bundling Options

With Liberty Mutual, you can bundle your auto insurance with your homeowners, renters, or condo insurance. If you’re a homeowner (67 percent of Kansans are), you might be able to save nearly $1,000 by bundling home and auto insurance.⁶ Liberty Mutual drivers who bundle home and auto have reported saving nearly $950, on average, and even more have taken advantage of these other benefits that come with bundling:

• Review and download all of your policy documents from one Liberty Mutual account
• Access digital ID cards for your various policies from your account
• Make payments and manage your bills for multiple plans
• Make policy changes whenever you like
• Review your plans’ coverage details
• Access and manage all of your policies directly from the Liberty Mutual app

Seamless Mobile App

Liberty Mutual offers a user-friendly mobile app that is highly rated on both iOS (4.8 out of five stars) and Android (4.6 out of five stars). Through the app, you can do the following:

• Pay your bills
• Track claims
• Review your policy
• Adjust your coverage
• Upload real-time photos of car damages to file a claim
• Call for roadside assistance

The app also gives you access to the Coverage Customizer Tool, which will inform you of upcoming discounts in your next renewal, provide you with an overview of your current policy, and tell you what your coverage looks like after a claim.

Of all providers’ apps, Liberty Mutual’s and GEICO’s have the highest ratings from both Android and iOS users.

Liberty Mutual also scored higher than average on the J.D Power digital experience survey, indicating that its customers are also satisfied with its other digital service offerings, including its online policy management option and quote tool.

The average score is 698 out of 1,000.

Overall, Liberty Mutual is a better fit for someone who’s comfortable managing their policy digitally. Kansans who prefer to work with a local agent should consider USAA, Allstate, Nationwide or State Farm.

Excellent Coverage Options

Want extra coverage and protection? Try one of Liberty Mutual’s optional coverage types.

• Better car replacement: If you total your car, Liberty Mutual will pay for the cost of a car one year newer than your original.
• 24-hour roadside assistance: With this add-on, a roadside service member is available 24/7 to help you with a flat tire, dead battery, emergency fuel, towing, and more.
• Mexico car insurance: Traveling to Mexico? You can get coverage for your own vehicle or a rental, which is a necessity if you’re driving beyond the border zone (approximately 14 miles from Mexico’s northern border).
• Teacher insurance: Benefit from a $0 collision deductible when you’re driving on school business, added property coverage for your teaching materials if they are damaged or stolen (up to $2,500), vandalism loss protection if your vehicle is damaged on school property, and other benefits for teachers.
• Gap coverage: If you total your leased car and the car’s value is lower than the amount you owe on your loan, gap insurance will cover the remaining amount.
• Lifetime repair guarantee: For as long as you own your Liberty Mutual-insured vehicle, Liberty Mutual will guarantee that it will help you find an approved repair facility after an accident.
• New-car-replacement insurance: If your new car is stolen or totaled in the first year, Liberty Mutual will cover the costs for a brand-new vehicle of the same original value, not its current, depreciated value.
• Original-parts replacement: Original-parts replacement helps you replace any damaged parts on your vehicle with the highest-quality parts. If the original parts are not available or are no longer in production, Liberty Mutual will come up with an estimate that includes comparable parts.

GEICO famously advertises that drivers can save up to 15 percent on their car insurance when they switch to GEICO. In Kansas, coverage from GEICO typically costs around $640 less than the state average, and the company’s rates are some of the most affordable for both safe and high-risk drivers. Like Liberty Mutual, GEICO is a good choice for customers who feel comfortable shopping and managing their policies digitally.

Cheap Rates in Kansas

Along with USAA and Nationwide, GEICO offers some of the cheapest rates among our top picks in Kansas. On average, a full coverage policy from GEICO costs $1,248 annually, or $104 a month. A minimum coverage policy with GEICO costs around $266 a year, or only $22 monthly. GEICO’s rates are 30 percent lower than the statewide average for full coverage and over 50 percent lower for minimum coverage.

Competitive Rates for Drivers with Low Credit

Insurance companies classify drivers with low credit as high-risk because statistically, they are more likely to file claims. Unfortunately, this means drivers with low credit can expect higher premiums. In Kansas, the statewide full coverage average for a driver with low credit is $2,563, which is over $700 more than the statewide average for drivers with good credit.

On average, a policy for a Kansas driver with low credit from GEICO costs only $1,639. Nationwide also offers affordable policies for those with a less-than-stellar credit rating, with an average rate of $1,774.

Discounts for Teen Drivers

Like drivers with low credit, teens are considered high-risk and cost more to insure. GEICO offers a couple of discounts geared toward teens, which can help lower the cost of their premiums:

• Good-student discount: Full-time students who consistently score B grades and higher could save up to 15 percent on select coverages with GEICO.
• Driver’s education discount: Families who have added a teen to their auto insurance policy may be eligible for a discount if the young driver has completed a driver’s education course.

Overall, both GEICO and Nationwide offer some of the best rates for teen drivers in Kansas, where the statewide average for a policy with a teen driver is $4,743 annually, or $395 monthly.