Comparing quotes for reasonably-priced car insurance is difficult, and deciding which companies have the cheapest insurance rates for retired military in Kansas involves even more diligence. Every car insurance company has a different process to establish rates, so we'll go over the insurance companies with the overall cheapest rates in Kansas.

Keep in mind that Kansas insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Price variation is why it is critical to perform an extensive rate comparison to find affordable car insurance quotes for retired military. Auto insurance prices can be altered by many different factors and change dramatically, so the most economical company the last time you shopped your coverage around may now be an over-priced policy.

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Rankings for the cheapest car insurance companies in Kansas
Rank Company Cost Per Year
1 USAA $743
2 The Hartford $831
3 Allied $1,054
4 Auto-Owners $1,063
5 Travelers $1,106
6 Farm Bureau Mutual $1,163
7 Farmers $1,164
8 State Farm $1,245
9 Nationwide $1,269
10 California Casualty $1,281
11 American Family $1,348
12 Progressive $1,410
13 Safeco $1,470
14 National Farmers Union $1,473
15 Auto Club $1,509
16 Liberty Mutual $1,531
17 GEICO $1,561
18 Electric $1,628
19 Shelter $1,788
20 Safe Auto $1,811
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USAA has some of the lowest car insurance rates in Kansas at around $743 a year. The Hartford, Allied, Auto-Owners, and Travelers also rank well as some of the cheaper Kansas car insurance companies.

As shown in the rates above, if you buy coverage from Auto-Owners and switched to The Hartford, you might see an annual savings of in the vicinity of $232. Drivers with Travelers may save as much as $275 a year, and Farm Bureau Mutual policyholders might realize rate reductions of up to $332 a year.

These estimates are averages across all drivers and vehicles in Kansas and do not factor in a price discount for retired military. So the insurer that can offer you the best rate may not even be in the top 23 companies shown above. That is why you need to get auto insurance quotes using your own driver and vehicle profiles.

One of the many considerations that are used to help calculate the price you pay for insurance is where your residence is in Kansas. Larger areas like Garden City, Liberal, and Wichita tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.

The next table rates the most costly cities in Kansas for retired military to buy car insurance in.

How much does car insurance cost in Kansas?
Rank City Average Per Year
1 Garden City $1,476
2 Dodge City $1,449
3 Liberal $1,418
4 Kansas City $1,342
5 Wichita $1,243
6 Great Bend $1,223
7 Hays $1,194
8 Emporia $1,180
9 Derby $1,176
10 Pittsburg $1,166
11 Leavenworth $1,160
12 Topeka $1,136
13 Prairie Village $1,128
14 Shawnee $1,127
15 Hutchinson $1,126
16 Leawood $1,125
17 Overland Park $1,116
18 Junction City $1,116
19 Olathe $1,113
20 Manhattan $1,113
21 Lawrence $1,112
22 Gardner $1,088
23 Newton $1,086
24 Lenexa $1,071
25 Salina $1,049
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Table data uses estimated as specific Kansas garaging address can decrease or increase price quotes noticeably.

The vehicle model on the policy is a large factor when comparing quotes for low-cost coverage for retired military. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The data below presents insurance costs for the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure for Retired Military in Kansas
Make and Model Estimated Cost for Full Coverage
Toyota Tacoma 4WD $639
Ford Explorer Eddie Bauer 2WD $646
Honda Accord EX 4-Dr Sedan $651
Honda CR-V EX 2WD $660
Ford Focus SE 4-Dr Sedan $662
Ford Edge SEL 2WD $669
Ford Escape XLT 2WD $699
Toyota Corolla LE $710
Honda Odyssey EX-L W/Navigation $717
Jeep Grand Cherokee SRT-8 4WD $722
Toyota Prius $731
Volkswagen Jetta SE 4-Dr Sedan $722
Nissan Altima 3.5 SR 4-Dr Sedan $730
GMC Sierra 3500HD SLE Extended Cab 2WD $735
Kia Optima EX $771
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Based upon the table data, you can conclude that cars like the Toyota Tacoma, Ford Explorer, Honda Accord, and Honda CR-V are most likely to be the less-costly vehicles to insure for veterans.

Buying coverage from a good quality auto insurance provider is difficult considering how many different companies sell coverage in Kansas. The ranking information in the lists below may help you choose which providers you want to consider when comparing auto insurance rates for retired military.

These rankings are only made up of large nationwide companies, so companies that focus mainly on Kansas business will not be included in the list. If you wish to compare prices from these and other companies in Kansas, simply click here.

Best 15 Insurance Companies for Retired Military in Kansas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Best Car Insurance Companies

The example below demonstrates how choosing different deductibles can raise or lower annual premium costs when trying to find cheap insurance for retired military in Kansas. The data assumes a single male driver, full physical damage coverage, and no discounts are applied.

As shown above, a 50-year-old driver could lower rates by $330 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $496 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could potentially save $1,086 each year by choosing larger deductibles on their policy.

When raising deductibles, it will now be necessary to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Chances are good that you're overpaying for Kansas car insurance

Kansas insurance rates are determined by lots of factors that can increase the price of your policy. Simply having a birthday, buying a different home, or getting a reckless driving citation can trigger price changes that can now make some companies cheaper than competitors. In addition to those changes, companies change the rates they charge in Kansas every year to ensure their profitability. Larger than normal claims can cause rate increases, while a profitable period may cause cheaper Kansas car insurance rates.

The graph below shows the cheapest car insurance in Kansas for a 40-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we estimate rates based on his current rating profile, USAA quotes the best car insurance rates in Kansas at $750 annually. This is $668 less than the average policy premium paid by Kansas drivers of $1,418. The Hartford, Allied, Travelers, and Auto-Owners are the rest of the best Kansas auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison an accident claim, a lower credit score, and a blemish on his driving record. Since each insurance company uses their own calculation for determining rates, getting updated rate quotes may now present a completely different list of cheap Kansas auto insurance companies as shown below.

Farm Bureau Mutual now has the lowest price in Kansas with The Hartford, Nationwide, State Farm, and California Casualty also being competitive. This illustrates why consumers need to take the time to perform an extensive rate comparison when trying to find the most economical insurance quotes for retired military.

Insurance rates can be altered by many different factors and can increase or decrease at any time, so the cheapest company the last time you compared rates may now be quite expensive.