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“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.
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
| Company | Average annual premium |
|---|---|
| Auto-Owners | $72 |
| Geico | $74 |
| USAA | $107 |
| State Farm | $169 |
| Progressive | $202 |
Note that USAA only offers coverage to military members, veterans and their families.
 | InsureSquare
| Get a Quote |
 | Ultimate Insurance
| Get a Quote |
 | Best Auto Insurance
| Get a Quote |
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
| Age | Male | Female |
|---|---|---|
| 16 | $815 | $771 |
| 17 | $702 | $671 |
| 18 | $615 | $593 |
| 19 | $454 | $441 |
| 20 | $415 | $405 |
| 21 | $331 | $322 |
| 22 | $316 | $310 |
| 23 | $301 | $298 |
| 24 | $290 | $291 |
| 25 | $282 | $297 |
| 30 | $267 | $273 |
| 35 | $260 | $270 |
| 40 | $255 | $267 |
| 45 | $251 | $261 |
| 50 | $247 | $254 |
| 55 | $243 | $248 |
| 60 | $245 | $247 |
| 65 | $259 | $260 |
| 70 | $273 | $269 |
| 75 | $294 | $284 |
Which 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 Kansas | Lowest non-owner car insurance rates |
|---|---|
| Bird City | $228 |
| Gove | $228 |
| Mc Donald | $228 |
| Oberlin | $228 |
| Sharon Springs | $228 |
| St. Francis | $228 |
| Mattawan | $229 |
| Atwood | $229 |
| Dresden | $229 |
| Goodland | $229 |
| Grinnell | $229 |
| Jennings | $229 |
| Kanorado | $229 |
| Ludell | $229 |
| Norton | $229 |
| Park | $229 |
| Quinter | $229 |
| Wallace | $229 |
| Bogue | $230 |
| Damar | $230 |
The 20 Kansas cities with the highest non-owner car insurance rates
| Cities in Kansas | Highest non-owner car insurance rates |
|---|---|
| Wichita | $310 |
| McConnell AFB | $307 |
| Kansas City | $306 |
| Haysville | $304 |
| Byram | $302 |
| Kechi | $302 |
| Fairway | $300 |
| Leawood | $299 |
| Mission Hills | $298 |
| Bonner Springs | $297 |
| Merriam | $297 |
| Derby | $296 |
| Shawnee | $294 |
| Maize | $293 |
| Lenexa | $292 |
| Olathe | $292 |
| Andover | $291 |
| Lake Quivira | $291 |
| Mulvane | $291 |
| Overland 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 Kansas | Non-owner car rates |
|---|---|
| Wichita | $310 |
| Kansas City | $306 |
| Shawnee | $294 |
| Olathe | $292 |
| Lenexa | $292 |
| Overland Park | $288 |
| Topeka | $279 |
| Lawrence | $272 |
| Manhattan | $248 |
| Salina | $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
| State | Average annual premium |
|---|---|
| North Carolina | $926 |
| Florida | $759 |
| New York | $578 |
| Michigan | $574 |
| Texas | $408 |
| Illinois | $385 |
| Georgia | $373 |
| National Average | $353 |
| Pennsylvania | $337 |
| California | $323 |
| Ohio | $230 |
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.
