USAA tops the Kansas auto insurance ranking because of its affordable rates and excellent customer service. It offers some of the lowest prices on average for many types of drivers in Kansas. While choosing USAA doesn't have many drawbacks, keep in mind that it's only available to members of the armed forces, veterans, and their families. While it doesn't have the cheapest car insurance in the industry in Kansas, Shelter has a reputation for strong customer service.
The tables below show the cheapest car insurance for young drivers in Kansas, along with monthly and annual costs. The highest average car insurance prices in Kansas are found on the western side of the state and in populated areas such as Wichita. Auto insurers consider several details when determining the cheapest auto insurance rates in Kansas. No-fault states typically have more expensive auto insurance coverage than at-fault states, but that's not the case with auto insurance in Kansas.
Full-coverage auto insurance is a policy that includes liability coverage as well as comprehensive insurance and collision coverage. Kansas isn't the most expensive state for car insurance, but its broad coverage standards make it more expensive than many of its neighbors. It's hard to find cheap car insurance in Kansas when you recently got your first driver's license. Kansas drivers typically find lower rates and quality service at USAA, Geico, State Farm, Shelter Insurance and Progressive.
While Kansans aren't legally required to have any of these coverages, it's a smart move for most drivers to add them to their car insurance policy. One of the factors that insurers use to base their car insurance premiums is the number of miles you drive. A person's age, driving history, and credit ratings can have a big impact on the cost of auto insurance in Kansas. Using a usage-based insurance plan is another way insurers can control your mileage, since they can monitor your performance and mileage.
An easy way to find the best car insurance rates is to combine your car policy with homeowners or renters insurance. If you don't drive very far or often, you might want to consider low-mileage or pay-per-mile car insurance.