Cheapest Car Insurance in Kansas for 2022 | Bankrate

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The cheapest car insurance in Kansas

car insurance is required in Kansas, as it is in most states, but that does not mean you need to break the bank to get coverage. We reviewed the average premiums, which we obtained from Quadrant Information Services, for the largest companies in Kansas by market partake. We besides took other aspects of each company into retainer, like discounts, coverages and third-party rankings. If you are searching for cheap car policy coverage in Kansas, the follow companies could be a good place to start :

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $239 $1,225
Iowa Farm Bureau $325 $1,494
State Farm $335 $1,280
Farmers $362 $1,335
American Family $531 $1,858

USAA

USAA is wide considered to be one of the best and most low-cost indemnity companies. however, not all drivers are eligible for coverage. USAA merely sells insurance policies to active duty military members, veterans and certain immediate family members. USAA ’ south average Kansas premiums are quite a bit lower than the state ’ s average. The company besides offers a kind of discounts, including savings for being a safe driver, being a effective student, garaging a vehicle on a military base, driving infrequently, insuring a newfangled vehicle and taking a driver aim run. Learn more : USAA Insurance recapitulation

Iowa Farm Bureau

Although “ Iowa ” is in the name, Iowa Farm Bureau sells policy in Kansas through a net of agents. The caller ’ south average minimal and full coverage premiums are well below the express ’ south modal. You might want to take advantage of the optional coverages, excessively, by adding wayside aid or refilling cost coverage. If you are looking for discounts, Farm Bureau does not disappoint. You might save with the company ’ mho telematics deduction, Driveology. You may besides qualify for a dismiss if you are a safe driver, a commodity student or if you insure multiple cars.

Learn more : farm Bureau Insurance reappraisal

State Farm

state of matter farm is the largest car policy company in the nation, with over 16 % of the market share. If you are looking for a party with cheap average rates coupled with a personalized, agency experience, State Farm could be a good meet. The ship’s company has a network of agents across Kansas that may be able to help you with your car policy needs. In terms of preservation opportunities, drivers have a phone number of options. State Farm has two safe driver discounts programs, Drive Safe & Save for adults and Steer Clear for adolescent drivers. State Farm besides offers a variety show of more traditional discounts for being accident-free, being a commodity student, having a car with condom features, insuring multiple vehicles and bundling policies. Learn more : state farm Insurance review

Farmers

You may want to consider Farmers if you are looking for a company with batch of optional coverages and cheaper-than-average rates. The company offers numerous options for customizing your policy. You could add guaranteed value coverage, custom-make equipment coverage, ridesharing coverage, rental cable car reimbursement or roadside aid. Although Farmers does not advertise many discounts on its web site, you might save by bundling your home and car policies, insuring more than one car and avoiding accidents. Farmers besides offers a telematics program called Signal that might save you money and aid you learn safer drive skills. Learn more : Farmers Insurance review

American Family

American Family ’ s average premiums in Kansas are above the country average, but you might still want to get a quote from the company. The company offers a compass of optional coverages that might help you get the coverage you need, like accidental end and dismemberment coverage, gap coverage and rental reimbursement coverage. To keep your agio down, you may be able to utilize american Family ’ south discounts. The company offers standard discount options like savings for insuring multiple cars, buying multiple insurance products and having vehicle safety equipment. There are besides more alone options, like the company ’ randomness KnowYourDrive dismiss, a new tennessean discount rate and a generational discount for children who spin off from their parents ’ policies. Learn more : american Family Insurance reappraisal

Affordable coverage for Kansas drivers

To drive legally in Kansas, you must carry at least the keep up state-mandated coverages and limits :

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage
  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident.

Kansas is a no-fault express and requires drivers to carry personal injury coverage ( PIP ). The following limits of PIP are required :

  • $4,500 per person for medical expenses
  • $900 per month for one year for loss of income or disability
  • $25 per day for in-home services
  • $2,000 for funeral, burial or cremation services
  • $4,500 for rehabilitation expenses
  • Survivor benefits: $900 per month for one year for loss of income or disability
  • In-home services for $25 per day for one year

Drivers who purchase the state minimum needed coverage much pay the lowest rates. however, minimal coverage could leave you with brawny out-of-pocket expenses if you cause an accident where the damages or injuries exceed your policy limits. Most insurance professionals recommend that you purchase higher limits to gain more fiscal protection. Minimum coverage besides does not provide any coverage for damage to your own car. For that, you will need full coverage. You may be required to carry full coverage if you have a loan or lease on your vehicle .

How to get cheap car insurance in Kansas

In addition to choosing a cheap indemnity company, there are several other ways that Kansas drivers can get low-cost insurance. Some suggestions include :

  • Identify your needs: Do a bit of research into insurance companies in your area. Identifying what you are looking for in a company may help you identify which carriers could fit your needs.
  • Compare quotes: Get quotes from several insurance companies that fit your needs and compare them side-by-side. That is one of the best ways to figure out which insurance provider can offer you the lowest rate for the amount of coverage you need.
  • Look for discounts: Look for insurance companies that have several discounts you can take advantage of. Some discounts will impact your premium more than others.
  • Raise your credit score: Insurance companies typically look at your credit score to determine your premium. If you can raise your credit score, you might get a lower rate.
  • Increase your deductibles: If you have full coverage, your policy has two deductibles: one for collision and one for comprehensive. If you increase one or both of these, you will have to pay more out of pocket if you file a claim for damage to your own vehicle, but you may lower your premium. Just be sure to choose a level that makes sense for your finances, in case you do have to file a claim.

If you are not indisputable how much policy you need or what discounts might work best for your situation, working with an agent might be helpful .

Frequently asked questions

What is the best car insurance in Kansas?

Drivers in Kansas have a variety show of options when it comes to car insurance, but the best car policy in Kansas varies based on your needs and individual evaluation factors, like your credit mark, long time, drive record, the type of car you drive. Getting quotes from several companies might help you find the option that best fits your situation .

What is the average cost of car insurance in the U.S.?

The average monetary value of car indemnity in the United States is $ 1,674 per year for a fully coverage policy and $ 565 for minimum coverage. The average price of full coverage insurance in Kansas, which is $ 1,698 per year, is just slightly higher than the national rate. Minimum coverage in Kansas costs $ 410 per year, quite a morsel less than the national average. however, every driver pays a different rate based on individual rat factors .

How do I get an insurance quote?

many cable car policy companies offer an on-line quotation mark tool, where you will be prompted to submit some basic information about you and your vehicle and get an moment rate appraisal. You can besides call an agentive role to get a quote or visit a local agency. You will need your address, vitamin a well as the name, date of birth and driver ’ s license number for each driver you need to insure. You will besides need the fomite identification count ( VIN ) of each vehicle you want a quotation for. Some companies can give quotes without VINs, but since the VIN includes your fomite ’ south specific mannequin information, it can make quotes more accurate.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, well credit and the stick to full moon coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimal coverages that meet each submit ’ s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample distribution rates and should only be used for comparative purposes .

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