What are the best car insurance companies in Kansas?

The best Kansas car insurance companies include Nationwide and The Hartford. The average rates for full coverage in the state are $68.26/month. Compare quotes online to reduce your bill by up to 20%.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Drivers in Kansas must carry car insurance
  • Kansas is a no-fault car insurance state
  • The major national companies also offer services to Kansas residents

Car insurance is a necessity for drivers in the state of Kansas.

If you purchase auto insurance in this state, your policy must include a minimum liability coverage of $10,000 per accident for property damage, $50,000 per accident for bodily injury, and $25,000 per person for bodily injury.

Kansas drivers are required to carry personal injury protection coverage.

The current average car insurance rate in Kansas is $1,150.24.

Rates vary based on a number of factors, including the city where you live. Wichita drivers pay approximately $1,714.36 on car insurance every year, while those who live in Overland Park pay $1,587.58.

Although Kansas is a no-fault state, drivers are not required to carry uninsured/underinsured motorist protection coverage.

If you want to get low car insurance rates in Kansas, make a list of companies that offer cheap coverage. Visit their websites or use our free comparison tool to get free auto insurance quotes.

Choose a policy that offers extensive coverage at reasonable rates. When looking for coverage, make sure you look at customer satisfaction ratings and the financial strength rating of the company as well as what prices they offer.

We’ve compiled the best national and local insurance carriers that operate in this state below.

Kemper Preferred

With more than 755,000 policyholders and over 4,700 independent insurance agents, Kemper Preferred is one of the largest insurance companies in the nation.

This insurance provider is rated “A-” (Excellent) by A.M. Best. Kemper Preferred offers affordable car insurance coverage for your car, home, boat, and jewelry.

The company features different types of auto insurance at competitive rates, including liability, collision, and comprehensive coverage.

Customers can keep their premiums down by taking defensive driving courses or insuring multiple cars under the same roof. For massive discounts, install the following in your vehicle:

  • Anti-theft devices
  • Airbags
  • Automatic safety belts
Many auto insurance companies will offer a discount when drivers increase security on their vehicles. By having a secure vehicle and practicing safe driving habits, you become a prime customer. High-risk drivers often see higher rates because they lack any sort of security on their vehicles or they have less than ideal driving habits.

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C.D. Schulte Agency, Inc.

With over 50 years of experience, C.D. Schulte Agency offers insurance and financial services. This independent insurance provider works with the best companies on the market to bring you premium auto insurance policies.

The company specializes in:

  • Personal and commercial vehicle insurance
  • Life and health insurance
  • Disability insurance
  • Motorcycle coverage

Safe Auto

Established in 1993, Safe Auto is an independent insurer that operates in 16 states, including Georgia, Kansas, Kentucky, Indiana, Illinois, Virginia, and Pennsylvania.

The company has its headquarters in Columbus, Ohio. Customers who buy car insurance policies from Safe Auto get lower rates because the company does not use middlemen to sell coverage.

This online car insurance carrier offers multiple payment options, including checks, money orders, credit cards, Western Union, and MoneyGram.

Customers can get cheap auto insurance quotes in less than 10 minutes. Safe Auto allows policyholders to pay in full, monthly, or by-monthly.

Allen & Purcell Insurance

Allen & Purcell provides customers with auto, life, health, commercial, and homeowners insurance.

This independent company offers several types of auto insurance, including:

  • Bodily injury liability and property damage liability coverage
  • Personal injury protection coverage
  • Uninsured motorist coverage

Some policies cover losses caused by uninsured motorists, while others offer financial protection from lawsuits occurring from a car accident.

The company provides a variety of benefits such as flexible payment options, 24-hopur claims, free windshield repair, and accident forgiveness. Good students are entitled to major car insurance discounts. Being a safe driver and maintaining a good credit rating can bring you extra savings.

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Eklund Insurance, LLC

Eklund Insurance is a local company that sells different types of coverage from leading insurance providers. Customers can purchase farm, life, business, homeowners, and auto insurance.

The company also specializes in boat and motorcycle coverage. Eklund Insurance offers flexible car insurance policies tailored to your individual needs. Customers enjoy multiple payment options and affordable auto insurance rates.

The Hartford

The Hartford has been offering insurance policies for more than 200 years. The company caters to both individual and business customers.

Whether you are looking for auto insurance, homeowners insurance, disability insurance, or general liability coverage, The Hartford can help you find a policy that fits your budget.

Instead of accepting the renewal quote from your current insurer, purchase an auto insurance policy from The Hartford and you will save up to $400 on coverage.

This auto insurance provider sells different types of policies, including collision and comprehensive insurance, medical payments insurance, personal injury protection coverage, full glass coverage, rental reimbursement coverage, and uninsured motorist property damage coverage.

Even if you are on a tight budget, you can still save money when buying car insurance. The Hartford offers:

  • Driver training credits
  • Defensive driver credits
  • Air bags discounts
  • Bundling discounts

Nationwide

Nationwide is one of the fastest growing insurance providers on the market. With over 80 years of experience, Nationwide is the sixth largest car insurance company and the ninth largest variable annuities provider in the United States.

The company is rated “A+” by A.M. Best and “A1” by Moody’s.

Customers can buy coverage for their homes, boats, cars, motorcycles, and other personal assets.

For business customers, Nationwide offers general liability insurance, commercial auto insurance, and inland marine insurance.

Kansas drivers can choose from different types of auto insurance such as gap coverage and comprehensive coverage. Nationwide also specializes in family compensation insurance and no fault protection insurance.

Drivers can save money on car insurance by joining auto clubs and taking defensive driving classes. If you have more than two cars, insure them with Nationwide. This way you will save up to 20% on your policy.

Customers who are insured with Nationwide for at least five years can save 15% on coverage.

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The Bottom Line

Finding cheap car insurance in Kansas can be fairly easy as long as you look at multiple companies. Looking at the customer service and financial strength of a company can be incredibly beneficial. This will show you how reliable a company will be.

Plus, you can usually do this from the comfort of your own home. With a few mouse clicks, drivers can compare hundreds of insurance quotes from local and natural insurers.

Once you have decided how much coverage you need, go online and search for a car insurance plan that suits your vehicle and driving habits. The key to comparison shopping is to know what type of coverage you need before you start.

Read customer reviews and research the companies you are interested in. To save up to 70% on car insurance, apply for as many discounts as possible as well.

We have a free comparison tool that will let you compare quotes from different companies.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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