Key Insurance Car Insurance Review & Ratings (2023)
This Key Insurance Car Insurance Review will cover Key Insurance Car Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Key Insurance Car Insurance A.M. Best rating is Not Rated. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Jun 28, 2022
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Headquartered in Shawnee Mission, Kansas, Key Insurance Company is a subsidiary of the Med James, Inc. brand and sells basic car insurance.
You can currently buy Key Insurance car insurance in Alabama, Arizona, Kansas, Nevada, and Oklahoma.
In this Key Insurance car insurance review, learn how to request a quote, read about the claims center, and compare customer reviews and financial rankings to help you determine if Key Insurance is right for you.
After reading our Key Insurance car insurance company review, secure your best coverage by entering your ZIP code into our free quote comparison tool above, and get rates from the best companies in your region.
What is Key Insurance Company?
Key Insurance is a wholly-owned subsidiary of Med James, Inc., a managing general agency and wholesaler based in Kansas.
Currently, it sells car insurance policies in five states: Alabama, Arizona, Kansas, Nevada, and Oklahoma.
While Key Insurance announced plans to expand to additional states back in 2013, it has not yet done so.
There is no Key Insurance mobile app. But this company does have a very basic website with access to a user portal.
Your Key Insurance login is simply your policy number and ZIP code.
Once logged in, you can access your policy documents and make your Key insurance payment. But there does not appear to be a claims center in the user portal.
Similarly, you cannot make changes to your policy in the user portal. Instead, you must contact the company directly or reach out to the agent who initially assisted you.
Some drivers may prefer a company with an updated website, a user-friendly mobile app, and easier access to customer service representatives.
When it comes to coverage options, you can purchase all of the car insurance basics from Key Insurance. In addition, it sells at least the minimum required coverages in the states where it operates.
In the table below, see the required car insurance levels in the five states where you can buy a Key insurance policy.
| States | Insurance Required | Minimum Liability Limits |
|---|---|---|
| Alabama | BI & PD liability | 25/50/25 |
| Arizona | BI & PD liability | 25/50/15 |
| Kansas | BI & PD liability, PIP | 25/50/25 |
| Nevada | BI & PD liability | 25/50/20 |
| Oklahoma | BI & PD liability | 25/50/25 |
The company sells personal injury protection (PIP) insurance, at least in Kansas, where it is required by state law.
According to the website, it also offers uninsured or underinsured motorist coverage to drivers.
However, it is unclear if the company offers any other optional policy add-ons, like roadside assistance or accident forgiveness.
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How do you request Key Insurance car insurance quotes?
Independent agents or brokers underwrite most Key Insurance car insurance quotes.
The company website does not offer any online quote forms for potential customers.
So to buy Key Insurance car insurance, you must either call the company directly or go through an independent agent or broker.
What are the average Key Insurance car insurance rates?
Key Insurance car insurance rates are not publicly available at this time.
However, we know the average cost of car insurance in the five states where this company operates.
If you do request a quote from Key, you can compare it to the average rates where you live.
In the table below, compare the average annual cost of car insurance in the states where Key Insurance sells policies.
| States | Average Annual Car Insurance Rates |
|---|---|
| Alabama | $3,703.76 |
| Arizona | $3,810.03 |
| Kansas | $3,392.95 |
| Nevada | $4,801.04 |
| Oklahoma | $4,142.32 |
When looking at these rates, consider that many different factors impact your car insurance costs, including your ZIP code, driving record, age, and more.
Plus, all companies use slightly different formulas to calculate your rates, and not all companies are active or available in every location.
So to truly secure the best coverage for you, compare quotes from multiple insurance companies before selecting one.
How do you file a Key Insurance car insurance claim?
Unfortunately, there is no convenient Key Insurance online claims center available for customers.
Instead, you must call either the local or toll-free claims phone line:
- Local number: 913-663-3636
- Toll-free number: 866-867-3636
Otherwise, there is no additional information about the Key Insurance claims department on the company website.
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Does Key offer any car insurance discounts?
The Key Insurance website is minimal and does not mention car insurance discounts.
So it appears that Key Insurance does not offer any discounts to customers at this time.
However, some companies do not advertise every available discount publicly.
So if you do contact Key Insurance, remember to ask if you can earn any deals, like a safe driver or multi-car discount.
How do you cancel Key car insurance?
You can cancel your Key Insurance car insurance policy at any time. However, depending on the laws in your state, a cancellation fee may apply.
If any paid premium remains after you cancel your policy, Key Insurance refunds you promptly.
What do Key car insurance ratings and reviews look like?
Analyzing an insurance company’s customer reviews and financial ratings helps you determine if it is reliable before committing to an actual policy.
Unfortunately, neither Key Insurance nor its parent company, Med James, Inc., are rated by A.M. Best or any other reputable credit rating agency.
However, according to the Med James, Inc. LinkedIn profile, Key Insurance is an admitted carrier in all five states where it operates.
But it is unknown how reliable this information is, as this profile appears outdated by many years.
Key Insurance is not accredited by the Better Business Bureau (BBB) but did earn a B+ rating. The company received 12 complaints over the last three years, and three complaints were closed in the past 12 months.
However, many customers state that the Key Insurance customer service representatives are often unavailable and unresponsive.
Customers also say the claims center moves slowly, and the adjusters are unresponsive.
Despite the primarily negative online customer reviews, Key Insurance earned a 1.13 complaint index score according to the National Association of Insurance Commissioners (NAIC).
This number implies that the company received a similar number of complaints to the median, which is always set to 1.00.
Overall, customers appear to be unsatisfied with their Key Insurance experiences.
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What is the history of Key Insurance?
Med James, Inc. chartered the Key Insurance Company in June of 2007 as a private passenger car insurance company licensed in Kansas.
Then, the company expanded into four other states: Alabama, Arizona, Nevada, and Oklahoma.
It planned to grow again in 2013 but has not acted on those goals.
Med James, Inc. is a managing general agency and wholesaler based in Kansas that has sold insurance products since 1991.
Key Insurance: The Bottom Line
Overall, not much information about the Key Insurance car insurance company is available.
Some people may secure cheap rates from Key Insurance, but it only offers very basic coverage and lacks most of the benefits other insurance companies readily provide.
While there is a Key Insurance pay online feature, it does not have an updated, secure website or a mobile app. There is also no online claims center.
Fortunately, many of the best insurance companies offer cheap rates and have more reliable, reputable information available online.
Take what you’ve learned about affordable Key Insurance car insurance and secure your best coverage by entering your ZIP code into our free rate comparison tool below to receive quotes from the best companies near you.