A person's age, driving history, and credit ratings can have a big impact on the cost of auto insurance in Kansas. An easy way to find the best car insurance rates is to combine your car policy with homeowners or renters insurance. 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. Auto insurance rates in Kansas almost always increase after motorists receive a violation for driving under the influence of alcohol, as this is a telltale sign that they are a high-risk driver.
USAA tops the Kansas auto insurance ranking because of its affordable rates and excellent customer service. While it doesn't have the cheapest car insurance in the industry in Kansas, Shelter has a reputation for strong customer service. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. State Farm is the largest auto insurance company in the United States, and its insurance agents offer strong coverage throughout the Sunflower state.
Kansas drivers typically find lower rates and quality service at USAA, Geico, State Farm, Shelter Insurance and Progressive. Kansas car insurance companies can use your zip code as a qualifying factor when determining your premium, which means that average rates can vary from city to city. 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. Full-coverage auto insurance is a policy that includes liability coverage as well as comprehensive insurance and collision coverage.
Kansas follows a no-fault car insurance system, so your car insurance provider will cover your medical bills regardless of who caused the accident. Bankrate's insurance editorial team includes two licensed agents with decades of combined experience helping drivers across the country find car insurance that fits their needs without breaking their budget. Because insurance coverage rates are a little cheaper in Kansas than the national average, you have a good chance of finding great car insurance in Kansas at great prices.