Auto insurance coverage
When you invest in car insurance in Kansas, you are protecting yourself from unexpected financial loss. Our coverage options include:
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Bodily injury coverage
- Property damage liability
- Uninsured and underinsured motorist coverage
Additional auto coverage you should consider:
- Roadside assistance
- Rental car coverage
- Windshield replacement coverage
Learn more about our car insurance coverages.
How much is car insurance in Kansas?
Have you ever thought about the cost of auto insurance in Kansas? According to NerdWallet, the average car insurance cost in Kansas is $1,237 annually.¹ Several factors can influence car insurance rates, but the top three cost factors are typically:
- Driving record: Your driving history plays a crucial role. Accidents, tickets, and other violations can result in higher premiums.
- Age and gender: Younger, inexperienced drivers often face higher rates. Gender can also be a factor, as some statistics suggest that young males may have higher accident rates.
- Coverage and deductibles: The type and amount of coverage you choose and your deductible (the amount you pay before insurance kicks in) can significantly impact your rates.
What is the cheapest car insurance?
When it comes to car insurance in Kansas, it's more important that you get the coverage you need—and that satisfies state laws—than focus on the cost.
But cost is an important factor, so start by considering your financial situation. Determine what your budget allows, and as you compare car insurance policies, pay attention to each policy’s coverage limits and deductibles.
After that, you should talk to an insurance agent. Our reps ask pertinent questions to uncover the types of car insurance coverage you need. You'll undertsand what you're getting because they'll walk through real-life scenarios. You'll be valued and they'll advocate for what’s best for you; they don’t just sell you a package.
Car insurance discounts
There are many discounts to help you save on your auto insurance policy. Kansas auto insurance discounts2 range from different types of policies, driver histories or even safety. So many things affect your ability to save on Kansas car insurance.
- Multi-Policy Discount: A Multi-Policy Discount applies when you opt to bundle auto and home insurance together.
- Safety discounts: Some auto discounts are specifically for teen drivers, defensive drivers, or people who equip their vehicles with anti-theft devices. Our DriverIQ Program uses smartphone app technology to give you feedback on your driving and can save you up to 25%.
- Driver discounts: We offer driver discounts for full-time students with a 3.0 GPA or higher, as well as good driver discounts for drivers who have remained accident-free for a specific amount of time, and more!
See all our car insurance discounts.
Car insurance for teens
Yes, it’s rather tricky to insure teenagers. Here at COUNTRY Financial we’ve got you covered. There’s always a plethora of options for auto insurance for teens; the trouble is choosing which one and understanding what you need and why you need it based on your individual circumstances.
Read more about car insurance for teenagers.
Is car insurance required?
Yes, every driver in Kansas must have insurance before driving. The state requires liability coverage, personal injury protection and uninsured motorist protection.
- Liability coverage: Protects you if you injure others or damage their property in an accident. There are two types of liability protection:
- Bodily injury liability: Pays for injuries to others in an accident caused by you.
- Property damage liability: Pays for damage to property of others in an accident caused by you.
- Personal injury protection: Pays for medical expenses for you and your passengers following a car accident, regardless of who caused the accident.
- Uninsured motorist protection: Covers physical and property damages resulting from an accident with another driver who has no auto insurance.
Car insurance in Kansas
At COUNTRY Financial, we proudly serve car owners in various cities in Kansas. While these are just some of the areas we do business in, we have an extensive state network with more flexible coverage than most car insurance companies.
Ready to start a car insurance quote?
Start online, find a local rep or call us at 866-COUNTRY (866-268-6879). We'll help you find car insurance that works for you.
¹Cheap Car Insurance in Kansas for 2024 - NerdWallet, February 2024
2Discounts and availability vary by state.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
Auto insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.
For product and service information, read our Terms & Conditions.