Who Has The Cheapest Motorcycle Insurance in Kansas?

Who Has The Cheapest Motorcycle Insurance in Kansas?

We found the best rates in Kansas at Nationwide, where the typical price is $378 per year. That's 29% less than the average cost of motorcycle insurance in Kansas of $533 annually.

Compare Motorcycle Quotes in Kansas

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Motorcycle insurance doesn't just fulfill a legal requirement — it also protects you as a rider and the bike in which you've invested time and money. We gathered more than 100 quotes from across the state to identify the top insurers to fit your needs.

Best motorcycle insurance for most people: Nationwide

Nationwide has the best overall blend of affordable rates, dependable service and useful coverage options in Kansas.
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Nationwide is our recommendation as the best overall motorcycle insurer in Kansas. Its rates were the lowest we found statewide, at just $378 per year — 29% less than the state average.

We also found Nationwide's coverage to be well-rated. It has a National Association of Insurance Commissioners (NAIC) complaint index of just 0.53. That means it received only 53% as many complaints as you'd expect, given its size, and suggests Nationwide customers are usually satisfied with their service.

Finally, Nationwide's coverage options are good, but not excellent. Beyond basic coverages like liability, collision and comprehensive, it offers coverage for custom equipment and guaranteed OEM parts. However, it lacks other useful protections, like replacement cost coverage and rental reimbursement.

Best customer service: Progressive

Progressive has great customer service, but you'll pay more for coverage.
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For riders who prioritize highly rated service over low prices, we recommend Progressive. Its customer service was second to none in Kansas. It has a complaint index of 0.39, meaning it received only 39% as many complaints as a typical company, when adjusted for size. This is the best rating among all the companies we considered, and much lower than the national average of 1.00.

Progressive also has a wide range of coverage options — among the best we found in the state. It offers protections like replacement cost coverage for new bikes, an OEM parts guarantee and trip interruption protection.

However, Progressive was also the second-most-expensive insurer in Kansas, at an average price of $634 per year. That's 19% more than the state average, and $256 more than our top pick, Nationwide.

Best for commuters: Dairyland

Dairyland has a few coverage options that make it especially appealing to daily motorcycle commuters.
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Dairyland is our top pick in Kansas for people who depend on their motorcycles for daily commuting, and who may not have another vehicle.

Dairyland is a specialty insurer that works with drivers and riders who aren't able to get the coverage they need elsewhere. As such, they have a few coverage options that more mainstream insurers might lack.

Most importantly, it's one of the only insurers that offers rental reimbursement — which pays for a rental vehicle if your motorcycle is being repaired after a crash.

It also offers replacement cost coverage, roadside assistance and coverage for special equipment.

However, Dairyland's rates are slightly more expensive than average in Kansas. The typical price is $543, $10 more than average statewide.

Additionally, Dairyland receives a lot of complaints, suggesting customers are often dissatisfied with their experience. Its NAIC complaint index is 2.69, meaning it received 169% more complaints as a typical insurer, when adjusted for size.

Best-rated Kansas motorcycle insurers

You count on your insurer to be there when you need it, so it's crucial to have one that's dependable. We've found that Progressive and Nationwide have the best-rated customer service in Kansas, based on their NAIC complaint indexes and AM Best financial strength ratings.

Insurer
NAIC Complaint Index
AM Best rating
Allstate0.63A+
Dairyland2.69A+
Geico0.67A++
Nationwide0.53A+
Progressive0.39A+
USAA0.85

The NAIC Complaint Index compares a company's number of complaints with its share of the market. Lower numbers indicate better performance, and the average score is 1.0. A company with a better AM Best letter grade is in a better position to pay out claims, even in tough economic conditions.

Cheapest motorcycle insurance companies in Kansas

The cheapest motorcycle insurance company in Kansas is Nationwide, at an average rate of $378 per year. That's 29% less than the average price statewide, and $26 per year cheaper than the second-most-affordable option, Geico.

We always recommend shopping around with multiple companies, as the lowest rate for you might not be the same as for someone else.

A graph of the lowest motorcycle insurance rates in Kansas

Compare Motorcycle Quotes in Kansas

Currently insured?
Insurer
Average cost
Nationwide$378
Geico$402
State average$533
Dairyland$543
Progressive$634
Allstate$709

Kansas motorcycle insurance cost by city

The cost of motorcycle insurance will vary based on where you live. You might pay more for motorcycle insurance if you live in an area with a lot of motorcycle theft or a place with poorly-maintained roads, leading to more accidents.

Here's how the largest cities in Kansas compare when it comes to the cost of motorcycle insurance.

City
Average
Difference from state average
State average$533
Derby$473-11.2%
Dodge City$464-12.9%
Emporia$483-9.4%
Garden City$414-22.4%
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Kansas motorcycle insurance requirements

Motorcyclists in Kansas are required to buy at least a certain amount of coverage in order to ride. Here's the minimum amount of coverage you'll need to carry:

Coverage
Limits
Bodily injury liability per person$20,000
Bodily injury liability per crash$50,000
Property damage liability$15,000 Uninsured motorist coverage (bodily injury, per person)$25,000
Uninsured motorist coverage (bodily injury, per crash)$50,000

Methodology

We collected motorcycle insurance quotes from five major motorcycle insurance companies that operate in Kansas: Allstate, Dairyland, Geico, Nationwide and Progressive. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.