Looking for a new auto insurance plan can take some digging. Because Kansas has unique requirements for drivers, you must be aware of state rules to ensure you meet all of the necessary legal requirements. However, you also have to consider your individual needs and wants, as each provider will offer different benefits and limitations.
Explore our guide on auto insurance providers in Kansas, from national, well-known providers to locally-owned businesses, to help you find the best plan for you. This article will walk you through Kansas’s basic state driver requirements and the services provided by the best insurance companies in the state.
Before investing in car insurance in Kansas, you should be aware of certain state policies. Kansas has specific guidelines that licensed state drivers must follow as minimum requirements. Of course, drivers are welcome to add additional policies for better or more protection, so long as they meet the state’s auto insurance policies.
Kansas drivers should be aware that Kansas is a no-fault state. In a no-fault state, drivers are responsible for using their insurance to cover accident costs, regardless of who caused the accident. This law helps protect policyholders from lawsuits arguing over the cause of accidents and lets emergency responders treat drivers quicker.
By law, Kansas requires all drivers to hold policies for liability, personal injury protection (PIP) and uninsured or underinsured motorist coverages. These minimum-required policies help the state ensure they can protect all drivers under their no-fault policy and create a standard for better driving.
While the above requirements are the minimums set by the state, you can purchase additional coverage to protect yourself more. For instance, it may benefit you to purchase collision protection since the second largest cause of crashes in Kansas is with animals. Further comprehensive plans can help protect against weather damages, which can help during tornado season in Kansas.
Like in all states, auto insurance prices in Kansas will fluctuate depending on your driving record, how long you’ve been driving, your policy provider, your chosen policies and where you live. Typically, costs tend to rise around the major cities, and new drivers often have to pay higher premiums because they pose higher accident risks. However, you can still find reasonable rates for all drivers in Kansas.
On average, Kansas drivers pay just under $700 annually for car insurance, according to the most recent data from the National Association of Insurance Commissioners. If you choose to invest in more than the minimum requirements, your premium will likely be higher. Ultimately, how much you spend on car insurance in Kansas will depend on you.
Having auto insurance is necessary for covering costs and protecting you from damages and accidents, so you don’t have to pay for them out of pocket. Particularly in a state like Kansas, a no-fault state, you must have a way to cover accident, injury and car damage costs, even in accidents you didn’t cause.
If a cop stops you while driving in Kansas, they may also ask you to provide proof of auto insurance along with your driver’s license and registration. It’s essential to always have proof of your auto insurance on you when driving in Kansas, as not having insurance can result in heavy fines. Keep information accurate, updated and organized to keep traffic stops short and easy.
Additionally, to register your car in Kansas, you’ll need to provide proof of insurance. If you’re moving to Kansas or buying a new car in Kansas, you must have car insurance to legally register your vehicle in the state. As mentioned, your auto coverage must tick each box when it comes to the state’s minimum requirements.
When researching auto insurance plans, you should remember that prices are estimates. While they’re often accurate, prices fluctuate depending on location or other specific information. If you see a considerably low price for a car insurance plan during your search, keep in mind that the coverage premium you end up paying may differ from what you’re seeing online.
Receive more accurate information by requesting quotes from the providers you’re considering. As you do so, ensure you’re requesting the same information each time. This way, when you review your research and compare prices, you know each amount will correspond with the same services.
Try to customize your requests to receive the most accurate information. When requesting quotes, you can request general or personalized quotes, which will give you different information. While general requests will include less specific information based on the company’s average policyholder, a personalized quote will ask you to submit personal information about yourself to represent how rates may change.
Additionally, as you research, you should be aware of popular or common discounts that many insurance companies offer their customers. If you or someone in your family qualifies for one or more discounts, you can speed up your research process by looking for specific deals. A few common discounts provided by auto insurance companies include:
As you’re searching for auto insurance plans, be sure to check what discounts they offer so you can make the most of your plan payments.
Before choosing an insurance company, you should thoroughly research each provider to find the best one to meet your needs. Even though Kansas has minimum requirements for drivers, you may need other services or assistance that only certain companies can offer. Further, some companies offer discounts for specific people and behaviors, so knowing which companies can best serve you to get the lowest rates can help you make the most of your policy.
Check out the top 11 best auto insurance providers in Kansas to make your search a bit easier.
Allstate is a nationally ranked insurance provider. When it comes to auto insurance, you can find many unique coverage options under their policies, including plans for protecting classic cars, driving in Mexico, rideshares and even your sound system. Allstate customers love that they can find all they need under one provider.
This company also provides various discounts for many lifestyles and habits, including overall good driving records and paperless services. For example, you can receive discounts for incorporating certain features into your car, like anti-theft technology or anti-lock brakes. These discounts are one of the many reasons Allstate receives high customer satisfaction rates, resulting in an 826 J.D. Power score in Kansas.
If you’re looking for an insurance provider to cover younger drivers, American Family is a great option. American Family’s coverage plans offer policies for teens and new drivers and discounts to promote good driving and other habits. Specifically, teens can receive discounts on having good driving records, encouraging them to drive safely, and for going to college away from home.
American Family is a good choice for families with young or new drivers because it offers other services in their coverage plans, like roadside assistance, so you can rest assured knowing your teen can always receive the help they need, regardless of whether they get a flat tire or run out of gas on the highway. This additional support can give you a bit more peace of mind as your kids learn to navigate the road.
Overall, American Family offers a wide range of services, helping meet the needs of all drivers. American Family also boasts some of the lowest rates, making it an economical choice for Kansas citizens.
If you’re searching for an insurance provider to help you better protect your finances, you can depend on Shelter. Of course, drivers can’t anticipate every issue they might encounter on the road, making it challenging to best prepare for the future. Fortunately, Shelter’s policies can help you financially navigate the aftermath of an accident.
Shelter provides disability income, accidental death, car replacement and loss of use coverage for customers, allowing policyholders to better prepare for the unexpected and have more control over their finances during trying times. If you’re injured in an accident, you can receive disability income payments every week for a year after the crash.
Like many other insurance providers, Shelter offers various discounts you can apply to your coverage plan, like being a safe driver, a good student or enrolling in safe driving courses. The company’s customizable care, high-quality services and variety of discounts helped them reach a J.D. Power rating of 856, which is higher than most other insurance agencies in the state.
Farmers offers some of the lowest premium rates out of the big-name insurance providers. While many insurance providers offer various discounts for their customers, Farmers has an extensive list of discounts that customers can apply to their payments. Therefore, you can almost always find a discount with Farmers, regardless of your demographic or driving habits.
These discounts include ones for students, installing anti-theft technology and having an accident-free record. There are also ways to receive discounts for taking courses to improve your driving habits, like a defensive driving course. The company’s discounts will help you budget your payments as you strive to maintain and better your driving skills. That’s a win-win for any driver.
GEICO consistently ranks first for the lowest rates for good drivers with no accidents or ticket records, making them the best choice for safe drivers. As one of the most well-known car insurance companies in the country, you can find numerous options for affordable plans. Regardless of your driving record, GEICO offers low rates and comprehensive plans.
Often recognized for their famous “Jake from State Farm” commercial, State Farm is an excellent provider for Kansas drivers. If you’re looking for a cheaper full coverage plan that includes comprehensive and collision plans, State Farm might be a good place to start. State Farm is often regarded as having some of the most low-cost auto plans in the country.
State Farm is also a great choice for drivers with tickets in their history. Many insurance companies raise their rates when policyholders receive tickets or have records of tickets, making it difficult for certain drivers to find a good policy. Fortunately, you don’t have to think about that when choosing a plan from State Farm.
Like State Farm, Progressive is another well-known national insurance provider people recognize from their popular promotional character, Flo, who it uses in its commercials. Progressive promotes its ability to bundle multiple insurance plans, so policyholders can better budget and manage their policies and payments while also cutting costs.
Progressive also offers many discounts for drivers, many of which relate to good driving habits and customer loyalty. If you have a clean driving record for at least three years, you can receive a deduction on your payments. Further, you can find deals for paperless payments, insuring multiple cars under Progressive and owning your home.
Like many other insurances, Travelers offers excellent rates and discounts. The factor that makes Travelers unique as a provider is that it provides low rates for drivers with DUIs on their records, where many other companies raise rates. If you’re concerned about paying a hefty premium because of a certain implication on your driving record, Travelers could be your best option.
Nationwide is by your side with low rates for senior drivers and drivers with low credit. Because senior drivers often have lower visibility and other characteristics that lead to higher risks, auto insurance providers often raise rates for covering senior drivers. However, at Nationwide, you can find reasonable rates to protect senior Kansas drivers.
Of course, Nationwide also offers comprehensive plans for all drivers, including young and adult drivers.
For one of the cheapest rates across almost every category, you can turn to USAA to provide quality services at low costs. When researching USAA, it’s essential to make sure you fit their requirements — USAA only provides its services to active or retired military members and their families. If you’re a serving or retired American veteran, USAA can be an excellent auto insurance choice.
USAA ranks the lowest in the following categories:
Be sure to look into USAA to see whether you qualify for their plans. If you do, you’ll have access to comprehensive car insurance at affordable prices.
For a local and customized approach to car insurance, you can count on David Pope Insurance to provide you with quality service at low prices. David Pope Insurance serves many types of drivers and drivers with various records — whether you’re a new or senior driver or have a couple of accidents or tickets on your record, you can count on David Pope Insurance to provide you with the best coverage in Kansas.
At David Pope Insurance, we offer many types of auto insurance, including insurance plans for vehicles other than cars, like boats, motorcycles and trucks. Regardless of what kind of vehicle you manage, we can help you protect yourself and your car. If you need more than one insurance plan for your multiple vehicles, we can work with you to ensure each one has the correct coverage.
David Pope Insurance is a local organization with agents located near you, so you can ensure you’re talking to someone who will understand your specific needs, whether on a general level or specific to your area. At David Pope Insurance, we pride ourselves on our open-minded approach, so we can help you find and receive the best auto insurance coverage.
If you’re searching for an auto insurance plan in Kansas, you’ll want to do thorough research before you sign up for coverage. Because Kansas has specific car insurance policies that residents must include in their coverage, finding a plan that ticks each box can take time. Fortunately, David Pope Insurance can help guide you through the process to ensure you and your family get the most comprehensive insurance at an affordable monthly cost.
At David Pope Insurance, we dedicate ourselves to helping our clients find the lowest rates and the best services that fit their needs. As a locally-based, family-owned business, we work with you to find the policies and plans that suit you and your family. When it comes to auto insurance, we accept people with various driving records, including new drivers, so you can find a plan for everyone in your household.
Contact David Pope Insurance today to request a quick and easy auto insurance quote and discover how we can serve you!
