Car Insurance for Good Drivers in Kansas

The Zebra
July 15, 2019

Car insurance for good drivers in Kansas

Many of the factors insurance companies use to set your car insurance rates lie beyond your control, including your gender, age, and location. There are, however, factors you can more easily alter in pursuit of low premiums.

If you want to find the lowest possible car insurance rates, consider keeping your driving record squeaky clean, your credit score solid, and your monthly mileage low. Car insurance companies offer lower rates to customers who present relatively little risk, so low-risk driving behaviors can lead to a price cut.

Looking for car insurance as a low-risk driver in Kansas? Get started by checking out some sample rates below!

Car insurance rates for drivers with no citations in Kansas

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Car insurance companies see good drivers as less risky customers and assign them more affordable rates. Staying on the right side of the law is a great way to cut your insurance costs.

If you're citation-free, start your insurance comparison journey with USAA, with average annual premiums totaling $889. That comes out to $99less than the average car insurance rate for drivers without driving violations in Kansas.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN KANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$889
Farm Bureau Mutual (IA Group)$1,065
Allied$1,149
Nationwide$1,252
State Farm$1,304
National Farmers Union P&C$1,356
Progressive$1,556
Shelter$1,772

Auto insurance rates for drivers with above-average credit scores in Kansas

Car insurance companies reward drivers who have above-average credit. If your credit score sits in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If you have a "good" credit score (670-739), your best auto insurance option in Kansas could be USAA, offering average rates of $889. If your credit score is even better (in the "excellent" range), USAA could be the best option. USAA's premiums for drivers who have credit scores of 800 or better are $424 per year cheaper than average rates for drivers with excellent credit in Kansas.

Find below a breakdown of auto insurance rates in Kansas for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN KANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$889
Farm Bureau Mutual (IA Group)$1,065
Allied$1,149
Nationwide$1,252
State Farm$1,304
National Farmers Union P&C$1,356
Progressive$1,556
Shelter$1,772

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN KANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$858
Farm Bureau Mutual (IA Group)$1,014
Allied$1,091
State Farm$1,149
Nationwide$1,194
National Farmers Union P&C$1,223
Progressive$1,370
Metropolitan$1,654

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN KANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$828
Farm Bureau Mutual (IA Group)$963
State Farm$1,014
Allied$1,027
National Farmers Union P&C$1,091
Nationwide$1,123
Progressive$1,181
Metropolitan$1,397

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Car insurance for occasional drivers in Kansas

The fewer miles you drive, the less likely you are to file an insurance claim. At least that's what car insurance companies think. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Kansas driver who doesn't rack up major mileage, consider USAA, offering average annual savings of $221 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN KANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$767
Farm Bureau Mutual (IA Group)$907
Allied$1,149
State Farm$1,170
Nationwide$1,252
National Farmers Union P&C$1,356
Progressive$1,556
Shelter$1,560

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Car insurance rates for good drivers in Kansas — by city

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurers rate policies by the driver’s home ZIP code, adjusting prices for the risk levels associated with various regions.

Find below a summary of auto insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Olathe$1,008$1,008$923$848$935
Overland Park$1,012$1,012$927$851$938
Topeka$1,078$1,078$990$913$1,003
Wichita$1,188$1,188$1,091$1,006$1,104
Kansas city$1,238$1,238$1,135$1,045$1,149

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