Cheapest Car Insurance Rates in 2022
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Cheap SR 22 Auto Insurance in Kansas: Best Companies & Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
Best Car Insurance Companies in Kansas
- American Family
- State Farm
- Farm Bureau
|American Family||Allstate||Geico||State Farm||Progressive||Farm Bureau|
|AM Best Financial Strength Rating||A||A+||A++||A++||A+||A|
|JD Power 2019 Overall Customer Satisfaction score||4/5||4/5||4/5||3/5||3/5||N/A|
|Avg Annual Premium||$475||$767||$1,072||$486||$586||$435|
|Consumer Reports Reader Score||89||72||78||78||75||90|
|BBB Rating||A||A+||A+||A+||A+||Not Rated|
Auto Insurance Statistics in Kansas
According to NAIC.org, the auto insurance premiums in Kansas appear significantly lower than reported national averages. For drivers in Kansas, this means that the cost of insuring their vehicles is much more affordable than in other areas of the country.
Top 10 Cheapest Car Insurance Companies in Kansas
|Rank||Company Name||Avg. Annual Premium|
|1||Farm Bureau Mutual||$1,081|
|9||National Farmers Union P&C||$1,536|
Drunk Driving Fatalities
Reports from The National Highway Traffic Safety Administration show that there was an decrease in drunk driving fatalities in Kansas in 2017. Traditionally, the rates have remained fairly consistent below the national average. The NHTSA has done a tally of the number of drunk driving fatalities in Kansas vs. nationwide.
Drunk driving fatalities in Kansas from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Kansas has remained below the national average and is also lower than adult drinking and driving across the country. The below statistics represent the percentage of drivers that are teenagers who are drinking and driving in Kansas when compared with national averages.
Teen Drinking & Driving in Kansas vs. Nationwide (2017)
SR-22 Insurance in Kansas
In the state of Kansas, there are various reasons that you might have to purchase SR-22 if you want to drive a vehicle after a license suspension. The length that you will need to have an SR-22 policy on file will depend on the reason that your license was originally suspended. In most cases, you will need the policy for at least 12 months.
No matter what you do, it's important to shop around before you decide on an SR-22 policy. While some insurance providers will allow you to switch your policy to this form of insurance, others will require you to apply for a new policy altogether. As SR-22 insurance can be much more expensive than traditional insurance, it's always a good idea to compare rates.
Car Theft in Kansas
When examining car thefts in Kansas from the years 2012 to 2016, it appears that Kansas has been higher than the national average, excluding 2013. The below data shows how Wichita, Kansas and the nearby cities rank against other states nationwide in the number of car thefts.
Vehicle thefts by rank nationwide vs. Kansas
Uninsured Motorists in Kansas
Driving with underinsured and uninsured motorist coverage can help protect drivers who are in an accident where the other party has no insurance. Instead of paying out of pocket for damage caused by underinsured or uninsured motorists, the insurance policy would cover these damages. The below data shows how well Kansas ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
What Affects Your Rates?
There are various factors that help your insurance company determine what you pay each year for your vehicle. The most important is the vehicle itself. The best way to pay the least amount of money for insurance is to choose a car that’s newer, that is bigger, that doesn’t have a particularly large engine, and one that’s not found on the list of most stolen vehicles. It’s also helpful to live in an area of Kansas where the economy is good and the crime rate is low.
Low socioeconomic neighborhoods tend to boast more uninsured drivers. This is risky, so you pay more for your own insurance. It’s not fair to pay more to be insured when others aren’t paying for insurance at all, but it’s the way the industry works for so many drivers. What you do for a living also has a profound effect on what you pay for insurance. The less stressful your job, the less dangerous your career, and the closer you are to the office means you’ll pay less money for insurance because you’re on the road less often.
Your age also affects your rates. Young women and older men are typically better drivers, which is why their rates are lower. This also speaks to how much your gender affects your rates. Getting married, having a baby, buying a new car, and a few other factors can also help your insurance rates drop, so now is a good time to consider if you’ve done any of those in the recent months. Let your insurance company know if you have.
You’ll also need to have a clean driving history and a good credit score. Both are used to determine what kind of risk you are for an insurance company. You’ll pay more to work with these people, so you want to be sure you’re making good decisions and positively affecting your insurance rates.
Insurance in Kansas
There is no guarantee you’ll find the lowest rate at the same company as someone else at any company. That said, USAA, Allied, State Farm, American Family, and Auto-Owners have the best reputation in Kansas for having the lowest rates for their drivers. This is where you want to start. If you’re already a policyholder with any of these companies, call and ask for a discount. You have a good chance of receiving one if you’re a good customer who never misses payments or makes late payments, and if you’re someone who has a clean driving record.
Types of Auto Insurance Coverage in Kansas:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Kansas
There are minimum requirements for car insurance in the state of Kansas. According to the Kansas Insurance Commissioner, it is mandatory to have at least liability coverage for every registered driver who is operating a vehicle in the state as well as uninsured/underinsured motorist coverage and personal injury protection.
Liability Coverage minimums for the state of Kansas:
$10,000 for property damage
$25,000 per single bodily injury or death
$50,000 per multiple bodily injury or deaths
Personal Injury Protection (PIP or No-Fault):
$2,000 to cover funeral, burial or cremation expense
$4,500 per person
$4,500 for rehabilitation
$25/day for in-home care
Source: Kansas Insurance Commissioner
New Driver License Requirements
Motorists in Kansas will need to have a standard driver license in order to drive in the state legally. However, in Kansas, there are exceptions for operating farm equipment. Any new drivers who are under 17 will be required to get a Graduated Drivers License. According to Kansas Law, there are several different license requirements at various stages. The Kansas Department of Revenue will outline all of the licensing requirements for Kansas drivers.
In order to receive either a standard or graduated license, a Kansas driver must complete the vision, written, and road tests. Information for the knowledge test can be found in the Kansas Driver’s Manual.
Cheap Auto Insurance Discounts
Auto insurance discounts are one of the best ways to find legitimate deals on car insurance rates. We have gathered a list of discount auto insurance offers that you can use to lower your auto insurance rates. Browse the list below to see if you can apply any of the discounts to lower your car insurance rates in Kansas.
- Anti-theft discount
- Bundling insurance policies discount
- Mature driver discount
- Military or Veteran discount
- Car safety features discount
- Senior citizen discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Kansas Car Insurance
This section covers general questions you have about car insurance in Kansas. Use it to get a good foundation so you can move on to more specific questions.
What does 50/50 mean in car insurance in Kansas?
How to get high risk car insurance paper in Kansas?
What is full coverage auto insurance in Kansas?
When did Kansas become a no-fault auto insurance state?
Who makes the decision on what type car insurance you get in Kansas?
How does Kansas car insurance work?
How does Kansas no-fault auto insurance work?
What happens if you don't have car insurance in Kansas?
What Is the most common auto insurance coverage in Kansas?
What Is considered full coverage auto insurance in Kansas?
Kansas Car Insurance Laws
This section answers the questions you have about Kansas car insurance laws.
What is Kansas minimum liability required for auto insurance?
In Kansas, when do you have to get car insurance on your teen?
What does insurance for Kansas say about loaning a car?
In Kansas, when car is totaled, does insurance pay for car or cost of repair?
How long does Kansas law allow for car insurance payouts?
How long do you have to make an auto insurance claim in Kansas?
What is the base car insurance Kansas requires?
How long do I have to transfer insurance to a new car Kansas?
What do I need to get car insurance in Kansas?
Is car inspection required when I switch car insurance to state of Kansas?
What Is the Fine for Not Having Car Insurance in Kansas?
Kansas Car Insurance Prices
Price is the thing that most people want to know about when it comes to Kansas car insurance. We’ll answer your questions about pricing here.
Why is auto insurance so high in Kansas?
How much is car insurance per month in Kansas?
Who has the cheapest car insurance in Kansas?
Who has the best auto insurance rates in Kansas?
Who has the lowest car insurance rates in Kansas?
Why do auto insurance companies in Kansas charge more for a policy if you had a suspended license?
What is the best auto Insurance company in Kansas?
How to get cheap car insurance in Kansas?
What is the best car insurance in Kansas?
How much is car insurance in Kansas for an 18-Year old?
How much is car insurance for a 20-year old female in Kansas?
How much is car insurance in Kansas for a new driver?
How much is car insurance for a 16-year old in Kansas?
What is the insurance break for senior citizens on car insurance in Kansas?
Kansas Car Insurance Coverage + Claims
This section answers questions you have about car insurance coverage and claims in the state of Kansas.
How does car under insurance in Kansas work in a fatality?
When borrowing a friend's car, whose insurance covers in Kansas?
When does the state of Kansas cancel car insurance?
Can the police make the decision on what type car insurance you get in Kansas?
Car accident in Kansas without cops - how do you claim insurance?
What happens If you do not call auto insurance company in Kansas after accident?
What happens if you get in a car accident without insurance in Kansas?
How to get temp motorcycle insurance for test drive?
Other Kansas Car Insurance Questions
We’ll cover questions that don’t fit into our other categories in this section.