{"id":324738,"date":"2025-11-14T07:56:30","date_gmt":"2025-11-14T12:56:30","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88757"},"modified":"2025-11-14T07:56:31","modified_gmt":"2025-11-14T12:56:31","slug":"best-in-kansas","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-kansas\/","title":{"rendered":"The Best Auto Insurance Companies in Kansas"},"content":{"rendered":"\n\n\n<p>Although most car insurance companies offer coverage nationwide, the type of policy you need may be different from one state to another. Kansas is one of the few no-fault states, so the<a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\"> best car insurance<\/a> in Kansas includes liability and Personal Injury Protection (PIP). Requirements under the Kansas Automobile Injury Reparations Act have not been changed through November 2025, according to current statutes and the Kansas Insurance Department (<a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0007.html\">K.S.A. 40-3107<\/a>; <a href=\"https:\/\/insurance.ks.gov\/consumers\/auto.php\">Kansas Insurance Department<\/a>). Pricing has shifted materially since 2021: the latest official statewide baseline is the NAIC\u2019s 2022 average expenditure (<a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC Auto Insurance Database Report<\/a>), and the federal <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">motor vehicle insurance CPI<\/a> shows persistent, double\u2011digit year\u2011over\u2011year increases through much of 2024 with elevated levels into 2025. After examining over a dozen providers, our picks emphasize strong financial stability, broad coverage and discounts (including usage\u2011based programs), and solid experience metrics from recognized industry studies.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Auto Insurance Companies in Kansas<\/h2>\n\n\n\n<ul><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best Coverage Options<\/li><li><a href=\"#american-family\" rel=\"nofollow\" class=\"achor-toggles\">American Family<\/a>: Best for Young Driver Savings&nbsp;<\/li><li><a href=\"#farmers-insurance\" rel=\"nofollow\" class=\"achor-toggles\">Farmers<\/a>: Best for Discounts<\/li><li><a href=\"#shelter-mutual-insurance\" rel=\"nofollow\" class=\"achor-toggles\">Shelter<\/a>: Best for Financial Protection<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Best for Cheap Full Coverage<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_601471f32529d\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Kansas<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for State Minimum* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Overall Customer Satisfaction** \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_601471f32529d-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$476<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,792<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>825<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_601471f32529d-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$531<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,858<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>839<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_601471f32529d-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$362<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,335<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>848<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_601471f32529d-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Shelter<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$658<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,347<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>856<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_601471f32529d-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$335<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,280<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>847<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025. Pricing cells marked with * reflect a historical 2021 vendor sample retained for comparability; for the latest official statewide averages, see the <a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC Auto Insurance Database Report<\/a>. Since then, the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">motor vehicle insurance CPI<\/a> indicates materially higher prices into 2025.<\/em><\/p>\n\n\n\n<p><em>* Data provided by Bankrate.com (historical sample year 2021).<\/em><\/p>\n\n\n\n<p><em>** J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a> rating for the Central region. Based on a 1,000-point scale. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Best Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Coverage Options<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers robust coverage and discount breadth in Kansas, including traditional protections (liability, comprehensive, collision) and modern options such as usage\u2011based telematics discounts. Industry studies show telematics participation reached record levels as shoppers seek relief from higher premiums (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,792*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">825**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers robust coverage and discount breadth in Kansas, including traditional protections (liability, comprehensive, collision) and modern options such as usage\u2011based telematics discounts. Industry studies show telematics participation reached record levels as shoppers seek relief from higher premiums (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide array of endorsements and discounts, plus telematics savings potential (see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>)<\/li>\n                            <li>Strong digital tools for claims and policy management, with industry-wide adoption of photo estimating and faster triage (<a href=\"https:\/\/www.cccis.com\/insights\/ccc-crash-course-2025\/\">CCC Crash Course 2025<\/a>)<\/li>\n                            <li>Financial strength from a national carrier<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Rates across the industry rose notably since 2022; compare quotes frequently (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a>)<\/li>\n                                        <li>Usage\u2011based pricing can change at renewal based on driving behavior\u2014review program terms (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>)<\/li>\n                                        <li>Comprehensive premiums in hail\u2011prone areas can be higher due to weather risk (<a href=\"https:\/\/www.aon.com\/en\/insights\/weather-climate-catastrophe-insight-2025\">Aon 2025 Catastrophe Insight<\/a>)<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability (BI\/PD) and PIP (no-fault)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive (hail, theft, animal strikes)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare (TNC) and rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mexico travel and international extension options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sound system and custom parts\/equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Umbrella liability and UM\/UIM<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usage-based telematics (driving habits)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy (home\/auto), multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-theft and safety equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless, autopay, pay-in-full<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student and responsible payer<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/Allstate-review\/\" data-rich-text-format-boundary=\"true\">Allstate homeowners insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/Allstate-review\/\" data-rich-text-format-boundary=\"true\">Allstate renters insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/Allstate-review\/\" data-rich-text-format-boundary=\"true\">Allstate auto insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"young-drivers\" title=\"Best for Young Driver Savings\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">American Family<\/h2>\n\n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Young Driver Savings<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family stands out for teen and young driver savings in Kansas, combining student and distant-student discounts with a telematics program that can reward safe habits\u2014an appealing mix amid industrywide price increases (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=342881-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,858*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">839**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family stands out for teen and young driver savings in Kansas, combining student and distant-student discounts with a telematics program that can reward safe habits\u2014an appealing mix amid industrywide price increases (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Stackable savings for students and telematics participants (supports safer driving)<\/li>\n                            <li>Well-rated digital access (quotes, billing, claims) and live-agent support<\/li>\n                            <li>Optional protections like gap coverage for newer vehicles<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Pricing pressure continues industrywide; compare quotes across multiple carriers (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a>)<\/li>\n                                        <li>Response times may vary by claim complexity and repair network demand<\/li>\n                                        <li>Alcohol-related violations can impact eligibility and price across insurers<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\"><span style=\"font-weight: 400;\">Full coverage<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PIP (no-fault) and medical benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property damage and bodily injury liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare and roadside assistance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student and teen safe-driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usage-based telematics savings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low mileage and defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-line and multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student away at school<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More American Family Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\" data-rich-text-format-boundary=\"true\">American Family homeowners insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\" data-rich-text-format-boundary=\"true\">American Family renters insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\" data-rich-text-format-boundary=\"true\">American Family auto insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"discounts\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers<\/h2>\n\n\n                                                \n\n\n<section id=\"farmers-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                To maximize savings, Farmers\u2019 broad discount menu pairs well with its Signal telematics program and options like full glass coverage\u2014useful in Kansas\u2019 hail corridor (<a href=\"https:\/\/www.aon.com\/en\/insights\/weather-climate-catastrophe-insight-2025\">Aon 2025 Catastrophe Insight<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325340-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,335*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">827**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                To maximize savings, Farmers\u2019 broad discount menu pairs well with its Signal telematics program and options like full glass coverage\u2014useful in Kansas\u2019 hail corridor (<a href=\"https:\/\/www.aon.com\/en\/insights\/weather-climate-catastrophe-insight-2025\">Aon 2025 Catastrophe Insight<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Competitive discount depth (bundling, telematics, driver training)<\/li>\n                            <li>Coverage options for custom equipment and full windshield\/glass<\/li>\n                            <li>Classic and collector car options (agreed value)<\/li>\n                            <li>Many six\u2011month policy terms enable faster rating updates (up or down)<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Six\u2011month terms also mean more frequent premium changes in a rising market (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a>)<\/li>\n                                        <li>Full coverage pricing may be less competitive for some profiles<\/li>\n                                        <li>Financial strength ratings vary by subsidiary; review AM Best grades<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision and comprehensive (hail, theft, animal)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customized equipment and OEM parts options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full windshield and glass<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Guaranteed value for collector vehicles<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Usage-based Signal app<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident-free and good driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student and student away at school<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy and multi-vehicle<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Farmers Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\" data-rich-text-format-boundary=\"true\">Farmers homeowners insurance review <\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\" data-rich-text-format-boundary=\"true\">Farmers renters insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\" data-rich-text-format-boundary=\"true\">Farmers auto insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"financial-protection\" title=\"Best for Financial Protection\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Shelter Insurance<\/h2>\n\n\n                                                \n\n\n<section id=\"shelter-mutual-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Shelter Mutual Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Financial Protection<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Shelter\u2019s auto policies can add income\u2011replacement and accidental\u2011death benefits alongside core coverages\u2014useful for households seeking a stronger first\u2011party protection layer in a no\u2011fault state.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.shelterinsurance.com\/insurance\/autoinsurance\/\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,347*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">856**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Shelter\u2019s auto policies can add income\u2011replacement and accidental\u2011death benefits alongside core coverages\u2014useful for households seeking a stronger first\u2011party protection layer in a no\u2011fault state.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Optional disability income benefits can help replace wages after a covered injury<\/li>\n                            <li>Regional mutual model can deliver personalized service<\/li>\n                            <li>Household policyholders may unlock additional multi\u2011policy savings<\/li>\n                            <li>Comprehensive\/glass options are valuable for hail\u2011prone geographies (<a href=\"https:\/\/www.aon.com\/en\/insights\/weather-climate-catastrophe-insight-2025\">Aon 2025<\/a>)<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited independent satisfaction data compared with larger national carriers<\/li>\n                                        <li>Discount and endorsement menus may be narrower than big\u2011brand competitors<\/li>\n                                        <li>Service hours are more limited than 24\/7 national call centers<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disability income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap\/loss of use<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection (PIP)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident prevention course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Companion policy (multi-line)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Companion life insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-car and paid in full<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest-full-coverage\" title=\"Best for Cheapest Full Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Cheapest Full Coverage<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm is the nation\u2019s largest private\u2011passenger auto writer and remains a price leader for many full\u2011coverage Kansas profiles, supported by its scale and strong financials (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">Insurance Information Institute<\/a>). Its Drive Safe &amp; Save telematics program can provide additional savings for safe driving.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,280*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">847**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm is the nation\u2019s largest private\u2011passenger auto writer and remains a price leader for many full\u2011coverage Kansas profiles, supported by its scale and strong financials (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">Insurance Information Institute<\/a>). Its Drive Safe &amp; Save telematics program can provide additional savings for safe driving.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Large agent network and mobile tools for quotes, ID cards and claims<\/li>\n                            <li>Telematics discounts available; strong financial strength<\/li>\n                            <li>Often competitive for full coverage relative to peers<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Customer satisfaction varies by region and price environment (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-insurance-study\">J.D. Power 2021 Central<\/a>)<\/li>\n                                        <li>Coverage innovation pace can be slower than some competitors focused on niche features<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bodily injury liability and property damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision and comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental car and travel expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare and roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist and PIP<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident-free and good driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drive Safe &amp; Save (telematics)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driver training and good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passive restraint and anti-theft device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student away at school and multi-policy<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\" data-rich-text-format-boundary=\"true\">State Farm homeowners insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\" data-rich-text-format-boundary=\"true\">State Farm renters insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\" data-rich-text-format-boundary=\"true\">State Farm auto insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data provided by Bankrate.com.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2021 U.S. Auto Insurance Study<\/a> rating for the Central region. Based on a 1,000-point scale. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Kansas<\/h2>\n\n\n\n<p>Premiums depend on personal factors like <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\"> credit score<\/a>, age, claims history, vehicle type and where you garage your car. The most recent official statewide baseline is the NAIC\u2019s 2022 average expenditure per insured vehicle for Kansas (<a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC Auto Insurance Database Report<\/a>). Since that period, the national <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">motor vehicle insurance CPI<\/a> recorded sustained year\u2011over\u2011year increases through 2024 and remained elevated into 2025, indicating that current market premiums are materially higher than 2021 levels. Location matters: urban areas tend to see higher claim and theft frequency, while rural areas often see fewer crashes but greater severity\u2014both of which are reflected in territorial pricing (<a href=\"https:\/\/www.iii.org\/article\/what-determines-the-price-of-auto-insurance\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/urban-vs-rural\">IIHS<\/a>; <a href=\"https:\/\/www.nicb.org\/reports\/hot-spots-vehicle-theft-2025\">NICB Hot Spots 2025<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Kansas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>QBE<\/td><td>$1,208<\/td><\/tr><tr><td>USAA<\/td><td>$1,225<\/td><\/tr><tr><td>State Farm<\/td><td>$1,280<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com. Note: Figures reflect a 2021 sample for comparative history only; the latest statewide averages are published by the <a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC<\/a> and recent market pricing has increased in line with the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">motor vehicle insurance CPI<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Kansas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Electric Insurance Company<\/td><td>$2,891<\/td><\/tr><tr><td>Shelter<\/td><td>$2,347<\/td><\/tr><tr><td>Sentry<\/td><td>$2,322<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com. Note: Historical 2021 sample; use current NAIC statewide averages for the latest official baseline and consider CPI trends for 2025 context (<a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC<\/a>; <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS<\/a>).<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Kansas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Gardner<\/td><td>$1,475<\/td><\/tr><tr><td>Edgerton<\/td><td>$1,485<\/td><\/tr><tr><td>Eudora<\/td><td>$1,486<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com. Historical 2021 sample retained for city\u2011to\u2011city comparison; current pricing varies by ZIP and local risk factors (traffic, theft, hail) and is generally higher per CPI (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS<\/a>).<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Kansas<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Garden City<\/td><td>$1,928<\/td><\/tr><tr><td>Liberal<\/td><td>$1,922<\/td><\/tr><tr><td>Tyro<\/td><td>$1,921<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com. Historical 2021 sample; today\u2019s differentials reflect territory factors like traffic density, theft incidence and severe weather exposure (see <a href=\"https:\/\/www.iii.org\/article\/what-determines-the-price-of-auto-insurance\">Triple\u2011I<\/a>; <a href=\"https:\/\/www.nicb.org\/reports\/hot-spots-vehicle-theft-2025\">NICB<\/a>).<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What You Need to Know About Kansas Car Insurance&nbsp;<\/h2>\n\n\n\n<p>Kansas is a no\u2011fault state: after a crash, you generally file under your own PIP benefits regardless of fault. Despite nationwide price pressure since 2022, Kansas drivers can reduce costs by comparing quotes, considering telematics programs, and tailoring deductibles and comprehensive coverage for local hail and theft risks (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>; <a href=\"https:\/\/www.aon.com\/en\/insights\/weather-climate-catastrophe-insight-2025\">Aon 2025<\/a>).<\/p>\n\n\n\n<ul><li>Location is a major rating factor: urban ZIPs often face higher accident and theft frequency, while rural roads tend to have fewer crashes but higher fatality rates per mile traveled (<a href=\"https:\/\/www.iii.org\/article\/what-determines-the-price-of-auto-insurance\">Triple\u2011I<\/a>; <a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/urban-vs-rural\">IIHS<\/a>).<\/li><li>Vehicle theft remains concentrated in metropolitan areas, which can raise comprehensive rates in affected cities (<a href=\"https:\/\/www.nicb.org\/reports\/hot-spots-vehicle-theft-2025\">NICB Hot Spots 2025<\/a>).<\/li><li>Industry pricing has risen since 2021; BLS data show motor vehicle insurance inflation stayed elevated into 2025 (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS CPI<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"additional-coverage\" title=\"Additional Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Additional Car Insurance Coverage in Kansas<\/h2>\n\n\n\n<p>Rural roads and severe convective storms (hail, wind, tornadoes) can damage vehicles in ways liability insurance won\u2019t cover. Consider these add\u2011ons for Kansas risks:<\/p>\n\n\n\n<ul><li><strong>Comprehensive:<\/strong> Pays for non\u2011collision losses such as theft, hail and animal strikes (deer). <\/li><li><strong>Collision: <\/strong>Pays for repairs if you hit another vehicle or object.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Kansas Minimum Car Insurance Requirements<\/h3>\n\n\n\n<p>Each state sets its own legal minimums. Kansas has <a href=\"https:\/\/insurance.ks.gov\/consumers\/auto.php\"> more requirements<\/a> than many states and remains a no\u2011fault jurisdiction.<\/p>\n\n\n\n<p>Here are the minimum car insurance requirements for Kansas drivers:&nbsp;<\/p>\n\n\n\n<ul><li>Liability coverage<ul><li>$25,000 per person for bodily injury<\/li><li>$50,000 per accident for bodily injury<\/li><li>$25,000 per accident for property damage<\/li><\/ul><\/li><li>Personal injury protection (PIP or No-Fault)<ul><li>$4,500 per person for medical expenses<\/li><li>$900 per month for one year for disability\/loss of income<\/li><li>$25 per day for in-home services<\/li><li>$2,000 for funeral, burial or cremation expense<\/li><li>$4,500 for rehabilitation expense<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul><li>Survivor Benefits: Disability\/loss of income up to $900 per month for one year<ul><li>In-home services up to $25 per day for one year<\/li><\/ul><\/li><li>Uninsured\/Underinsured coverage<ul><li>$25,000 per person<\/li><li>$50,000 per accident<\/li><\/ul><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Kansas\u2019s No-Fault Law<\/h3>\n\n\n\n<p>Kansas continues to require PIP benefits and a UM\/UIM minimum with 25\/50 limits. Statutes also set a tort threshold: recovery for pain and suffering generally requires reasonable proof that medical expenses exceed $2,000 or that the claimant sustained specified serious injuries (e.g., fracture, permanent disfigurement or permanent injury). See <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0004.html\">K.S.A. 40\u20113104<\/a> (required security), <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0007.html\">40\u20113107<\/a> (PIP minimums), <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_002_0084.html\">40\u2011284<\/a> (UM\/UIM), and <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0017.html\">40\u20113117<\/a> (tort threshold). The Kansas Insurance Department\u2019s consumer page confirms these requirements remain in effect as of 2025 (<a href=\"https:\/\/insurance.ks.gov\/consumers\/auto.php\">KID<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Kansas Car Insurance FAQ<\/h2>\n\n\n<div id=\"block_4da4561fc2112\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Kansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The minimum car insurance required in Kansas is 25\/50\/25 for liability coverage, which means $25K per person and $50K per accident for bodily injury and $25K per accident for property damage. Policies must also include PIP benefits (e.g., $4,500 medical, up to $900\/month disability for one year, $25\/day in\u2011home services) and UM\/UIM at least 25\/50. Requirements are confirmed in state law and regulator materials (<a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0007.html\">K.S.A. 40\u20113107<\/a>; <a href=\"https:\/\/insurance.ks.gov\/consumers\/auto.php\">Kansas Insurance Department<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_b64c7e17fcdf6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Kansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The latest official baseline is the NAIC\u2019s 2022 average expenditure per insured vehicle for Kansas (<a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC Auto Insurance Database Report<\/a>). Market prices increased substantially since 2021, with the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">motor vehicle insurance CPI<\/a> showing elevated year\u2011over\u2011year gains into 2025. Your rate will vary by driver profile, vehicle, coverage and ZIP code.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_be10a81b2026e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in Kansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Rates change frequently and vary by driver. Historic 2021 vendor samples list several low\u2011cost options, but for 2025 the best approach is to compare multiple quotes and consider usage\u2011based programs that may lower your price based on driving behavior (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power<\/a>). Use the NAIC\u2019s statewide averages as an official benchmark, understanding they reflect prior\u2011year experience, not a specific driver profile (<a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com evaluates carriers on affordability, financial strength, coverage breadth, customer satisfaction and digital capabilities. For current Kansas context, we anchored costs to the latest official statewide averages from the <a href=\"https:\/\/content.naic.org\/research\/reports\/auto-insurance-database-report\">NAIC Auto Insurance Database Report<\/a> (most recent public data year 2022) and used the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t01.htm\">BLS Consumer Price Index<\/a> for motor vehicle insurance to contextualize 2025 pricing levels. We referenced market leadership from the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">Insurance Information Institute<\/a> (NAIC market share) and relied on <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-insurance-study\">J.D. Power\u2019s regional satisfaction study<\/a> for score comparisons where applicable.<\/p>\n\n\n\n<p>Coverage requirements were confirmed with Kansas law and regulator materials, including <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0004.html\">K.S.A. 40-3104<\/a>, <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0007.html\">40-3107<\/a>, <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_031_0017.html\">40-3117<\/a>, <a href=\"https:\/\/www.ksrevisor.org\/statutes\/chapters\/ch40\/040_002_0084.html\">40-284<\/a>, and the <a href=\"https:\/\/insurance.ks.gov\/consumers\/auto.php\">Kansas Insurance Department<\/a>. We also incorporated current market and risk trends from <a href=\"https:\/\/www.cccis.com\/insights\/ccc-crash-course-2025\/\">CCC Crash Course 2025<\/a>, <a href=\"https:\/\/www.aon.com\/en\/insights\/weather-climate-catastrophe-insight-2025\">Aon\u2019s catastrophe report<\/a>, and NICB\u2019s <a href=\"https:\/\/www.nicb.org\/reports\/hot-spots-vehicle-theft-2025\">Hot Spots 2025<\/a> to explain location\u2011specific factors (hail, theft, rural vs. urban crash patterns).<\/p>\n\n\n\n<p>Historic 2021 company and city pricing samples shown in comparison tables are retained for comparability and illustrate relative positioning only. They do not represent current quotes. Always obtain personalized quotes for today\u2019s rates.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Although most car insurance companies offer coverage nationwide, the type of policy you need may be different from one state to another. Kansas is one of the few no-fault states, so the best car insurance in Kansas includes liability and Personal Injury Protection (PIP). Requirements under the Kansas Automobile Injury Reparations Act have not been [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":0,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Auto Insurance Companies in Kansas - Reviews.com<\/title>\n<meta name=\"description\" content=\"The Reviews team evaluated factors such as pricing, coverage options &amp; customer satisfaction surveys to choose top 6 auto insurance companies in Kansas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-kansas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Auto Insurance Companies in Kansas - 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