Key Insurance Review (2022)

The Key Insurance company was founded in 2007 and provides insurance for drivers residing in Oklahoma, Alabama, Nevada, Arizona, and Kansas. Very little information is listed on the Key Insurance site, but if you need good car insurance coverage, you can shop online to compare multiple quotes from some of the best companies in the industry.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 15, 2022

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The Rundown

  • The Key Insurance Company only provides car insurance policies
  • The Key Insurance Company provides insurance in five states
  • You can shop online to find a cheap, reliable insurance company

Driving down the road with the wind in your hair is an incredible feeling, but an even better feeling is the one that comes when you purchase a car insurance policy that can keep you and your vehicle safe. Unfortunately, Key Insurance doesn’t seem to be an insurance company that can instill such a feeling.

The Key Insurance Company provides hardly any information about its insurance products. Of course, if you were to give the Key Insurance phone number a call, you may get more information, but this lack of transparency may be a sign that you should look elsewhere for car insurance.

One of the best things you can do when shopping for insurance is to read insurance reviews, so keep reading this Key Insurance review to learn more about this company and discover how to reduce your rates.

As you read more about Key Insurance, you can enter your ZIP code to receive free insurance quotes from companies in your area and find the best policy for you.

Who is the Key Insurance Company?

The company’s relatively young age makes its lack of an online pay feature or a Key Insurance login all the more shocking. The Key Insurance head office is located in Kansas, but this company also provides coverage outside the state.

If you live in these states, you can reach out to get Key Insurance quotes:

  • Alabama
  • Arizona
  • Kansas
  • Nevada
  • Oklahoma

The type of coverages that are available in these states is unknown as the Key Insurance website doesn’t share that information. To learn what types of coverage may be available through this company, you’ll need to reach out to a Key Insurance customer service representative directly.

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Are Key Insurance rates reasonable?

There is no quote tool or pricing information provided by this company. However, if you would like to know what the average rates for insurance are in your state, you can review the data table below:

Average Car Insurance Rates by State and Company
StateAverage by StateAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alabama$3,566.96$3,311.52-$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Alaska$3,421.51$3,145.31$4,153.07-$2,879.96$5,295.55-$3,062.85$2,228.12-$2,454.21
Arizona$3,770.97$4,904.10-$5,000.08$2,264.71-$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
Arkansas$4,124.98$5,150.03-$4,257.87$3,484.63-$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
California$3,688.93$4,532.96-$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77-$3,338.87
Connecticut$4,618.92$5,831.60--$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
Delaware$5,986.32$6,316.06--$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
District of Columbia$4,439.24$6,468.92--$3,692.81-$4,848.98$4,970.26$4,074.05-$2,580.44
Florida$4,680.46$7,440.46--$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67-$2,850.41
Georgia$4,966.83$4,210.70--$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88-$3,157.46
Hawaii$2,555.64$2,173.49-$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28-$1,189.35
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19-$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35-$3,898.00$2,408.94$3,393.75$1,630.86
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92--$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79--$6,154.60--$7,471.10$4,579.12-$4,353.12
Maine$2,953.28$3,675.59-$2,770.15$2,823.05$4,331.39-$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17--$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87-$2,744.14
Massachusetts$2,678.85$2,708.53--$1,510.17$4,339.35-$3,835.11$1,361.86$3,537.94$1,458.99
Median$3,660.89$4,532.96$3,698.77$3,907.99$3,073.66$5,295.55$3,187.20$3,935.36$2,731.48$3,729.32$2,489.49
Michigan$10,498.64$22,902.59-$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49-$2,066.99-$2,861.60
Mississippi$3,664.57$4,942.11--$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91-$2,525.78
Montana$3,220.84$4,672.10-$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74-$2,031.89
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71-$2,330.78
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New Hampshire$3,151.77$2,725.01--$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46-$1,906.96
New Jersey$5,515.21$5,713.58-$7,617.00$2,754.94$6,766.62-$3,972.72$7,527.16$4,254.49-
New Mexico$3,463.64$4,200.65-$4,315.53$4,458.30-$3,514.38$3,119.18$2,340.66-$2,296.77
New York$4,289.88$4,740.97--$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
North Carolina$3,393.11$7,190.43--$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66-
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53-$2,006.80
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62-$4,142.40$3,437.34$6,874.62-$4,832.35$2,816.80-$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12--$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45--$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43-$4,691.85$3,178.01-$3,625.49$4,573.08$3,071.34-$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23--
Tennessee$3,660.89$4,828.85-$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72-$3,263.28-$3,867.55$4,664.69$2,879.94-$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83-$2,491.10
Vermont$3,234.13$3,190.38--$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84-$1,903.55
Virginia$2,357.87$3,386.80--$2,061.53-$2,073.00$2,498.58$2,268.95-$1,858.38
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78-$2,262.16
West Virginia$2,595.36$3,820.68--$2,120.80$2,924.39--$2,126.32-$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53-$2,975.74
Wyoming$3,200.08$4,373.93-$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55-$2,779.53
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As you can see, where you live can play a large role in influencing your insurance rates, but other factors, like your preferred coverage amount, your driving record, and your age, can also play a part in determining how much you could pay for insurance.

Does Key Insurance offer discounts?

The only product that Key Insurance offers is car insurance, so there is no chance of bundling policies, and there is so little information present on the site that it is hard to say what discounts may be offered through Key Insurance. However, as you shop for a reliable car insurance company, you can use the data table below to help you find car insurance companies that offer many discounts to their drivers.

Car Insurance Discounts by Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107x
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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This table illustrates that you can obtain a good car insurance policy while maintaining rates that work with your budget. It’s important to remember that just because a policy is cheap, that doesn’t mean that it is good.

What You Need to Know About Key Insurance

Unfortunately, there doesn’t appear to be much to say about Key Insurance except that it may behoove you to look elsewhere for insurance. When you begin shopping for a new policy, you should always get between three to five quotes so you can verify that you are getting the best deal possible.

Now that you’ve read this Key Insurance review, you’re ready to start shopping for car insurance. Enter your ZIP code to compare free quotes from companies near you.

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