Home Car insurance Non-owner car insurance Non-owner car insurance in Kansas Non-owner car insurance in Kansas: Which company has the cheapest rates? Auto-Owners and Geico offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 14, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Kansas costs $255 annually, which is $98 lower than the national average, according to an Insure.com 2023 rate analysis. In Kansas, non-owner policies are available from companies such as USAA, State Farm and Progressive. “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. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Kansas. Key Takeaways The average non-owner car insurance cost in Kansas is $21 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in Kansas pays an average of $815 for non-owner car insurance, whereas a 25-year-old male pays $282 a year for the same coverage. Auto-Owners offers most affordable rates for non-owner car insurance in Kansas at $72. How much does non-owner auto insurance cost in Kansas? Non-owner insurance is usually less expensive than full coverage auto insurance—insurers view non-owner policyholders as less of a risk because they have limited access to a vehicle. On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 per year 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. Full coverage car insurance is $1,526 in Kansas. Meanwhile, non-owner car insurance is $353 a year on average in the U.S. and $255 in Kansas. But actual rates are based on your age and driving history and also where in Kansas you live. Which insurer offers the cheapest non-owner insurance rates in Kansas? In Kansas, Auto-Owners’ non-owner insurance policy is the cheapest at $72 a year. At $509 a year, Nationwide charges the highest rate for non-owner insurance in the state. You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in Kansas are listed below. Cheapest non-owner insurance rates in Kansas CompanyAverage annual premiumAuto-Owners$72Geico$74USAA$107State Farm$169Progressive$202 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 seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually enjoy less expensive rates. On average, non-owner insurance costs $793 a year for a 16-year-old and $256 for a 45-year-old in Kansas. Average non-owner car insurance rates in Kansas by age and gender AgeMaleFemale16$815$77117$702$67118$615$59319$454$44120$415$40521$331$32222$316$31023$301$29824$290$29125$282$29730$267$27335$260$27040$255$26745$251$26150$247$25455$243$24860$245$24765$259$26070$273$26975$294$284 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Kansas by cityWichitaOverland ParkKansas CityOlatheTopekaWhich Kansas cities have the cheapest non-owner auto insurance? It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates. The tables below display the cities in Kansas that have the least and most expensive non-owner auto insurance rates. The 20 Kansas cities with the lowest non-owner auto insurance rates Cities in KansasLowest non-owner car insurance ratesBird City$228Gove$228Mc Donald$228Oberlin$228Sharon Springs$228St. Francis$228Mattawan$229Atwood$229Dresden$229Goodland$229Grinnell$229Jennings$229Kanorado$229Ludell$229Norton$229Park$229Quinter$229Wallace$229Bogue$230Damar$230 The 20 Kansas cities with the highest non-owner car insurance rates Cities in KansasHighest non-owner car insurance ratesWichita$310McConnell AFB$307Kansas City$306Haysville$304Byram$302Kechi$302Fairway$300Leawood$299Mission Hills$298Bonner Springs$297Merriam$297Derby$296Shawnee$294Maize$293Lenexa$292Olathe$292Andover$291Lake Quivira$291Mulvane$291Overland Park$288 How much is non-owner auto insurance in Kansas’ 10 biggest cities? The largest cities in Kansas have different non-owner insurance rates. The cost of non-owner insurance in Wichita is the highest at $310. Salina has the cheapest prices of the state’s largest cities at $241. Non-owner car rates in Kansas’s 10 largest cities 10 largest cities in KansasNon-owner car ratesWichita$310Kansas City$306Shawnee$294Olathe$292Lenexa$292Overland Park$288Topeka$279Lawrence$272Manhattan$248Salina$241 How non-owner insurance rates in Kansas compare to rates in other states Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Kansas is $255 a year, which is lower than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 per year. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 How to get non-ownercar insurance in Kansas Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a quote on a non-owner insurance policy, don’t go online and call your insurer instead. “The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance. 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. Explore other insurance options in Kansas Average car insurance cost in Kansas Cheapest homeowners insurance in Kansas Average renters insurance cost in Kansas How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow moreLeslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. 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