Kansas Auto Insurance

Under Kansas law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy.  In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk.  A college student who lives away from home and does not have access to a vehicle may be excluded.  If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be either stated in the policy or on an endorsement.

Allowing your liability auto insurance to lapse in Kansas is the same as driving without the state minimum insurance requirements.  This can result in fines, the loss of your license and possibly the loss of your vehicle’s registration. 

The state of Kansas allows insurance companies to check you credit history when they set your premiums and determine whether they will insure you.  The insurance company will generally use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Kansas is a no fault state which means you can be personally sued for serious injuries caused by traffic accidents and deaths due to an accident.  The average insurance premium in Kansas averages about $579.00 and has the 47th most expensive auto insurance premiums in the nation as of 2006.  The lowest premiums available in Kansas are generally offered to a 70 year old female with a clean driving record.  A 70 year old married male gets the next best premium rates with a 55 year old married female coming in third.  Sixteen year old males have the highest premiums.  Dairyland Insurance Company has the highest overall premiums.  The lowest overall premium is offered to a 70 year old married woman for $256.00 by Safeco Mutual Insurance Company.  The highest overall premium is offered to a 16 year old single male for $4,068.00 by Alliance Indemnity Company.

Below you will find a table comparing the approximate annual premium estimates in the Kansas area for teenage drivers with a preferred standard risk and older drivers with a clean driving record. 

Gender and Age Female 16     Male 16       Female 21 Male 21 Female 35   Male 35
Marital Status Single     Single       Single Single Married   Married
Company Name
AIG National Ins. Co.           $1044.00     $1438.00     $554.00       $799.00 $458.00   $515.00
Alliance Indemnity Co. $2822.00     $4068.00     $1606.00     $2224.00   $1129.00   $1129.00
Allstate Fire & Cas. Co. $1081.00     $1415.00     $606.00       $729.00 $427.00   $427.00
Allstate Indemnity Co. $1759.00     $2941.00     $1352.00     $2070.00 $1065.00   $1065.00
American Family
Mutual Insurance Co.           $1020.00   $1327.00     $678.00       $942.00 $479.00   $479.00
Automobile Club
Inter-Insurance Co.           $816.00   $1244.00     $599.00       $786.00 $419.00   $419.00
Buckeye State
Mutual Insurance Co.           $876.00       $1430.00     $837.00       $1025.00   $489.00   $489.00
Cincinnati Insurance Co.        $1702.00   $2548.00     $1216.00     $2048.00 $531.00   $715.00
Dairyland Insurance Co.        $2434.00   $3401.00     $2208.00     $2962.00 $1578.00   $7100.00
Depositors Insurance Co.      $982.00   $1409.00     $709.00       $943.00 $418.00   $431.00
Farm Bureau Mutual
Insurance Company         $926.00   $1421.00     $798.00       $1017.00 $526.00   $526.00
Farmers Insurance Co.        $1860.00   $2042.00     $1247.00     $1799.00 $800.00   $800.00
First National Insurance
Company of America         $2118.00   $2437.00     $1186.00     $1555.00     $713.00   $807.00
Garrison Property &
Casualty Ins. Co         $1751.00   $2116.00     $1194.00     $1434.00     $843.00   $845.00
Geico General Ins. Co.        $932.00   $1248.00     $669.00       $712.00 $436.00   $436.00
Geico Indemnity Co.         $2089.00   $2417.00     $1210.00     $1371.00 $764.00   $799.00
Government Employees
Insurance Company         $932.00   $1248.00     $669.00       $712.00 $436.00   $436.00
Liberty Mutual Fire
Insurance Company         $1224.00   $1947.00     $943.00       $1261.00 $670.00   $670.00
Mid-Century Ins. Co.         $2120.00   $2130.00     $1920.00     $2608.00 $1363.00   $1363.00
National Farmers Union
Property & Casualty Co.      $1011.00   $1399.00     $476.00       $691.00 $340.00   $341.00
Nationwide Affinity
Insurance Co. of America     $1028.00   $1475.00     $742.00       $988.00 $437.00   $451.00
Progressive Direct
Insurance Company       $2768.00   $3655.00     $728.00       $1044.00 $465.00   $465.00
Progressive Northwestern
Insurance Company       $2309.00 $3057.00     $654.00       $944.00 $470.00   $478.00
Safeco Mutual Ins. Co       $1116.00 $1286.00     $635.00       $836.00 $385.00   $436.00
Shelter Mutual Ins. Co.      $917.00 $1425.00     $638.00       $869.00 $438.00   $438.00
State Farm Fire and
Casualty Company       $1327.00 $1988.00     $677.00       $882.00 $476.00   $476.00
State Farm Mutual
Automobile Ins. Co.       $1032.00 $1553.00     $635.00       $827.00 $447.00   $447.00
The Travelers Home &
Marine of Hartford       $2189.00 $2992.00     $440.00       $612.00 $334.00   $343.00
United Services
Automobile Association     $1532.00 $1847.00     $1044.00     $1250.00 $742.00   $743.00
USAA Casualty Ins. Co.    $1751.00 $2116.00     $1194.00     $1434.00 $843.00   $845.00
USAA General
Indemnity Company       $2285.00 $2760.00     $1525.00     $1830.00 $1070.00   $1070.00

Gender and Age Female 55           Male 55           Female 70           Male 70
Marital Status Married           Married           Married           Married
Company Name
AIG National Ins. Co.           $401.00 $403.00 $459.00 $519.00
Alliance Indemnity Co. $951.00 $951.00 $869.00 $869.00
Allstate Fire & Cas. Co. $394.00 $394.00 $333.00 $333.00
Allstate Indemnity Co. $952.00 $952.00 $933.00 $933.00
American Family
Mutual Insurance Co.           $433.00 $433.00 $399.00 $399.00
Automobile Club
Inter-Insurance Co.           $374.00 $374.00 $374.00 $374.00
Buckeye State
Mutual Insurance Co.           $382.00 $382.00 $318.00 $318.00
Cincinnati Insurance Co. $505.00 $406.00 $453.00 $366.00
Dairyland Insurance Co. $1355.00           $1437.00           $1412.00           $1526.00
Depositors Insurance Co. $357.00 $381.00 $347.00 $350.00
Farm Bureau Mutual
Insurance Company           $451.00 $451.00 $430.00 $430.00
Farmers Insurance Co. $728.00 $728.00 $665.00 $665.00
First National Insurance
Company of America           $568.00 $667.00 $480.00 $679.00
Garrison Property &
Casualty Ins. Co $755.00 $777.00 $773.00 $815.00
Geico General Ins. Co. $404.00 $404.00 $296.00 $296.00
Geico Indemnity Co.           $764.00 $771.00 $698.00 $755.00
Government Employees
Insurance Company           $404.00 $404.00 $296.00 $296.00
Liberty Mutual Fire
Insurance Company           $594.00 $594.00 $563.00 $563.00
Mid-Century Ins. Co.           $1320.00           $1320.00           $1291.00           $1291.00
National Farmers Union
Property & Casualty Co. $266.00 $294.00 $279.00 $305.00
Nationwide Affinity
Insurance Co. of America $374.00 $399.00 $363.00 $367.00
Progressive Direct
Insurance Company           $383.00 $431.00 $425.00 $466.00
Progressive Northwestern
Insurance Company           $397.00 $300.00 $410.00 $440.00
Property & Casualty
Insurance Co. of Hartford $402.00 $402.00 $486.00 $486.00
Safeco Mutual Ins. Co $306.00 $365.00 $256.00 $365.00
Shelter Mutual Ins. Co. $360.00 $360.00 $290.00 $290.00
State Farm Fire and
Casualty Company           $417.00 $417.00 $347.00 $347.00
State Farm Mutual
Automobile Ins. Co.           $391.00 $391.00 $325.00 $325.00
The Travelers Home &
Marine of Hartford           $305.00 $315.00 $315.00 $319.00
United Services
Automobile Association $666.00 $684.00 $683.00 $718.00
USAA Casualty Ins. Co. $755.00 $777.00 $773.00 $815.00
USAA General
Indemnity Company           $958.00 $982.00 $991.00 $1041.00

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating.  Other things that can affect your insurance are the area where you live and work and the traffic volume in that area.  If you have a teenage driver, it may be less expensive to include them on the family policy.  Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums.  Your age, the age of your car as well as its condition and the type of vehicle you drive, your gender, and your marital status will play a factor in the cost of your auto insurance premiums.