Non-owner car insurance in Kansas: Which company has the cheapest rates?

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Non-owner car insurance in Kansas costs $280 annually, which is $100 lower than the national average, according to Insure.com’s 2023 rate analysis.

Many companies offer these policies in Kansas, such as USAA, State Farm and Progressive, for example.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Kansas.

How much does non-owner auto insurance cost in Kansas?

Non-owner insurance is usually cheaper than typical car insurance—insurers regard non-owner policyholders as less risky because they have limited access to a vehicle.

On average, in the United States, it costs $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. This is applicable to those drivers with a good credit score as well as a clean driving record. It’s $1,526 in Kansas.

Alternatively, non-owner car insurance costs $380 on average in the U.S. and $280 in Kansas.

There are different variables that will affect your rates, such as how old you are, your chosen insurance company and your driving history.

Which insurer offers the cheapest non-owner insurance rates in Kansas?

Kansas’ least expensive non-owner insurance policy is offered by Auto-Owners at $72 a year.

At $509 a year, Nationwide charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Kansas’ most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Kansas

You should note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Kansas by age?

Age plays an important role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $931 a year for a 16-year-old and $282 for a 45-year-old in Kansas.

Average non-owner auto insurance rates in Kansas by age and gender

Which Kansas cities have the cheapest non-owner auto insurance?

From city to city, there’s a lot of variation in rates. Insurers consider the number of thefts, collisions and vandalism in different areas when calculating rates.

Below are charts showing which cities in Kansas have the lowest and highest non-owner car insurance rates.

The 20 Kansas cities with the lowest non-owner car insurance rates

The 20 Kansas cities with the highest non-owner auto insurance rates

How much is non-owner car insurance in Kansas’ 10 biggest cities?

The biggest cities in Kansas sometimes have rates that are significantly different. The non-owner insurance price in Wichita is the most expensive at $310. Salina has the least expensive prices among the state’s largest cities at $241.

Non-owner auto rates in Kansas’ 10 largest cities

How non-owner insurance rates in Kansas compare to rates in other states

The rates for non-owner car insurance will differ from state to state. The average non-owner insurance rate in Kansas is $280, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and then Iowa at $193 per year.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner auto insurance in Kansas

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are a few insurers with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.