Cheap Car Insurance Quotes for Safe Drivers in Kansas

For Kansas drivers, one of the components that is used by auto insurance companies to calculate the price of your policy is where you call home in Kansas. Areas with a lot of weather claims or more people like Garden City, Kansas City, and Wichita tend to have higher auto insurance costs, whereas cities that are not as densely populated benefit from lower coverage costs.

The next table rates the highest-priced areas in Kansas for safe drivers to purchase auto insurance in.

Rates are approximated as specific Kansas garaging address can impact price quotes noticeably.

Buying affordable insurance is tough enough, and deciding which companies have the cheapest auto insurance rates for safe drivers will involve a bit more work. Insurance rates should be moderately lower-priced than the average price in Kansas, with the lower price attributed to the lower likelihood of claims related to selling coverage for good drivers. Competitively-priced insurance should be easy to find from many insurers.

Each insurance company uses their own calculation for determining rates in each state, so we’ll go over the auto insurance companies with the overall best prices in Kansas.

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USAA quotes some of the lowest car insurance rates in Kansas at around $743 annually. The Hartford, Auto-Owners, Allied, and Travelers are also some of the best Kansas auto insurance companies.

As shown above, if you buy coverage from Auto-Owners and switched to USAA, you might see an annual premium reduction of approxmiately $320. Insureds with Allied might save as much as $344 a year, and Travelers policyholders might reduce rates by $363 a year.

Understand that those policy prices are averages across all types of drivers and the different vehicles they drive and do not factor in a price discount for safe drivers. So the company that is most affordable for your situation may not even be shown in the list of companies above. That emphasizes why you need to get rate quotes using your own driver data and vehicle information.

The vehicle needing coverage is a large consideration when comparison shopping for cheap auto insurance for safe drivers in Kansas. Vehicles with economical engines, an excellent safety record, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models.

The next lists presents insurance costs for a handful of the most affordable vehicles to buy coverage for.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific Kansas garaging location which can lower or raise coverage prices considerably.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific zip code location which can impact premium rates substantially.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can influence rates greatly.

Picking the right auto insurance provider is difficult considering how many choices there are in Kansas. The ranking information shown below may help you choose which car insurance companies to look at when buying insurance for safe drivers.

The ratings below are for companies with a nationwide focus, so companies that only write business in Kansas or surrounding areas are not included in the list. If you’d like to compare prices from the most competitive companies in Kansas, follow this link.

Top 10 Major Auto Insurance Providers in Kansas Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Travelers
8. Allstate
9. The Hartford
10. Esurance

Top 10 Major Auto Insurance Providers in Kansas Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Travelers
10. The General

Who is cheaper: Allstate, Geico, State Farm, or Progressive?

When comparing rates for car insurance for good drivers in Kansas, the top insurers to get price quotes from are Allstate, Geico, State Farm, and Progressive. If you put them all together, they insure about 50% of all policies written in the United States. All four offer physical damage and liability coverage, but each has a slightly different set of options and discounts that you can select from. The next table illustrates some of the ratings and options shoppers can find with each company.

Ideas for finding economical car insurance for safe drivers

Here are some of the better penny-pinching suggestions that can help Kansas drivers quote low-cost car insurance.

• Assess whether full coverage is needed
• Having too many claims will increase rates substantially
• Remain accident-free and save
• Higher comprehensive and collision coverage deductibles will save money
• Ensure your driving record is clean
• Keep rates low by shopping around frequently

That last tip is notably important, as was noted in this write-up. Insurance prices in Kansas vary greatly, so don’t hesitate to buy from a new company if you find a better deal.

Having a favorite company is great, but it’s not a good idea if that stubbornness costs you hundreds of dollars a year. It takes less than five minutes to shop around and find cheaper auto insurance for safe drivers.