Who Has the Cheapest Auto Insurance Quotes for Uninsured Drivers in Kansas?

When buying insurance for drivers with no prior coverage, one of the key things that is used to calculate insurance cost is where you normally keep your vehicle in Kansas. Areas that are densely populated or have higher claim frequency like Garden City, Kansas City, and Wichita likely pay more, whereas cities that are not as densely populated tend to receive cheaper rates.

The following table displays the most expensive areas in Kansas for uninsured drivers to purchase auto insurance in.

Rate information is estimated as the specific Kansas residence address can alter premiums considerably.

The type of vehicle you are trying to insure is one of the largest factors when trying to find the best cheap coverage for uninsured drivers. Vehicles with higher performance, a lack of modern safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models. The table below shows auto insurance premiums for a selection of the most economical vehicles to insure in Kansas.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in specific location information which can modify auto insurance rates considerably.

Looking at the numbers, you can expect cars like the Ford Escape, Honda CR-V, Hyundai Tucson, Toyota Prius, and Ford Explorer should be a few of the more affordable vehicles to insure for drivers with no prior coverage.

Shopping around for cheap insurance is easier said than done, and figuring out which insurers offer the cheapest auto insurance rates for uninsured drivers will require even more work. Each company has a proprietary method for determining rates, so let’s rank the most competitive auto insurance companies in Kansas.

Keep in mind that Kansas auto insurance rates are determined by lots of factors that control the policy premium. That is why it is important to perform a complete rate comparison to get the most economical car insurance quotes for uninsured drivers. Insurance prices are influenced by many things and change frequently, so the cheapest rate the last time you checked may now cost much more than other companies.

Cheapest Insurance Rates in Kansas

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USAA quotes some of the most affordable car insurance rates in Kansas at around $766 each year. The Hartford, Auto-Owners, Allied, and Travelers also are some of the most economical Kansas car insurance companies.

As shown in the rates above, if you have coverage with The Hartford and switched to USAA, you may see an annual premium reduction of around $65. Kansas drivers with Auto-Owners could save as much as $287 a year, and Allied customers might reduce prices by as much as $288 a year.

Remember that these premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in a price decrease for uninsured drivers. So the company that fits your situation best may not even be in the company chart above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.

The information below demonstrates how deductible levels can increase or decrease insurance costs when searching for cheap insurance for uninsured drivers. The prices are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

A 40-year-old driver could pocket $226 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $344 by using a $1,000 deductible. Youthful drivers, such as the Age 20 example, have the ability to save $576 every year by choosing a larger deductible amount.

When choosing a higher deductible, it is necessary to have enough savings to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Which car insurance company is best?

If you want reliable car insurance for drivers with no prior coverage in Kansas, four good companies to start with are Geico, State Farm, Progressive, and Allstate. They all have different features and discounts that policyholders can choose from. The table below shows ratings for price, service, and claims, in additional to some of the optional coverages that you can purchase from each one.