Who Has the Cheapest Auto Insurance Quotes for Infrequent Drivers in Kansas?

The make and model of vehicle that is being insured is a large consideration when shopping for the cheapest car insurance for infrequent drivers in Kansas. Vehicles with lower acceleration and performance, excellent safety ratings, or a track record of few liability claims will cost significantly less to insure than high performance models. The data below presents auto insurance costs for a selection of the most affordable automobiles to buy coverage for.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in vehicle location which can influence price quotes significantly.

Looking at the rates, we can presume that cars like the Ford Explorer, Jeep Wrangler, and Ford Escape are likely to be some of the cheaper vehicles to insure for low mileage drivers.

When shopping for the cheapest insurance for low mileage drivers, one of the many things that is used by insurance companies to determine a rate quote is where your residence is in Kansas. Areas with increased crime or more people like Garden City, Liberal, and Great Bend tend to have more expensive auto insurance rates, whereas areas that are not as densely populated generally have lower rates.

The information below ranks the higher priced cities in Kansas for infrequent drivers to buy car insurance in.

Rate information is estimated as the specific Kansas residence address can impact price quotes noticeably.

Difference between full coverage and liability only rates

Finding the cheapest car insurance for infrequent drivers in Kansas is important to the majority of people, and one of the quickest ways to find cheaper insurance is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of premium costs with and without physical damage coverage. The price estimates are based on no claims or driving citations, $250 deductibles, drivers are not married, and no additional discounts are factored in.

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As an average for all age groups, physical damage insurance costs $2,014 per year over and above liability only. At some point, about every driver wonders if buying full coverage is a good investment. There is no clear-cut formula to delete physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

Selecting a good quality insurance provider can be difficult considering how many companies sell coverage in Kansas. The ranking information below can help you pick which auto insurers you want to consider comparing rates from. The ratings below include the largest companies in the United States, so companies that focus mainly on Kansas business are not factored into these rankings.

Which major car insurance company is best?

If you are looking for the best car insurance for low mileage drivers, probably the best companies to start with are Geico, State Farm, Progressive, and Allstate. All offer your standard physical damage and liability coverages, but each one has a little bit different set of discounts and options that you can choose from. The next table points out some of the different options and features that you can purchase from each one.