Cheapest Car Insurance Kansas

Because insurance coverage rates are slightly cheaper in Kansas than the national average, you have a good chance at finding great car insurance in Kansas at excellent rates.

Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Cheapest Car Insurance Companies in Kansas

The cheapest car insurance in Kansas doesn’t always mean the best overall coverage. Below, you’ll find five options that combine affordability with outstanding coverage plans.

Top Kansas Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Available	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Geico Learn More	9.1	8.4	9.1	16	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Shelter Insurance	8.4	8.2	9.0	9
Progressive Learn More	9.0	9.7	7.8	13	Learn More

Top Kansas Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Available	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Geico Learn More	9.1	8.4	9.1	16	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Shelter Insurance	8.4	8.2	9.0	9
Progressive Learn More	9.0	9.7	7.8	13	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Kansas.

Cheapest Car Insurance Coverage in Kansas

The coverage you choose will have a major impact on how much you pay for your car insurance. Minimum coverage is all that is required, but it can be better for you to look at full coverage plans. 

Below are the cheapest car insurance options in Kansas for both coverage types.

Minimum Coverage Car Insurance Cost in Kansas

Minimum coverage car insurance costs an average of $475 per year or $40 monthly across the Sunflower State. While the cheapest car insurance in Kansas isn’t necessarily among the nation’s most affordable, it’s still 32% below the national average of $627 per year for minimum coverage.

Below are the average rates for minimum coverage from some of Kansas’ top auto insurers:

Cheapest Full Coverage Car Insurance in Kansas

The cheapest car insurance in Kansas averages $258 per year for minimum coverage, while full coverage can cost as little as $1,263 annually.

*These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Kansas. Below we compare cheap car insurance estimates for Kansas drivers in these categories.

Cheapest Car Insurance for Young Drivers in Kansas

Young drivers will pay more for car insurance than adults. These tables below show the cheapest car insurance for young drivers in Kansas, along with monthly and annual costs.

Cheapest Kansas Car Insurance for 16-Year-Olds

It’s difficult to find cheap car insurance in Kansas when you recently got your first driver’s license. The most affordable option for 16-year olds is typically Nationwide, which charges an average of $4,075 per year.

Cheapest Kansas Car Insurance for 17-Year-Olds

Those who are 17 still pay high premiums for full coverage in the Sunflower State, with Nationwide offering the lowest average price of $2,753 per year.

*Costs were taken from 2022 information.

Cheapest Kansas Car Insurance for 18-Year-Olds

Costs start to decrease slightly as motorists turn 18, with Nationwide once again offering the cheapest Kansas auto insurance at an average rate of $2,608 per year.

*Costs were taken from 2022 information.

Cheapest Kansas Car Insurance for 21-Year-Olds

There’s often a significant drop in auto insurance prices when drivers turn 21. USAA typically has the most affordable premiums for this age group, with the company charging an average of $1,333 annually.

*Costs were taken from 2022 information.

Cheapest Kansas Car Insurance for 25-Year-Olds

It’s relatively affordable to find full coverage car insurance in the Sunflower State as a 25-year-old driver. Geico generally offers the lowest rates, with an average price of $1,508 per year.

Cheapest Kansas Car Insurance for High-Risk Drivers

Drivers who have had a recent accident, DUI or speeding ticket will most likely pay much more for car insurance. The tables below go over estimates for the cheapest car insurance rates for people who fall into these categories in Kansas.

Cheapest Car Insurance in Kansas for Drivers With a Speeding Ticket

Having a speeding ticket on your record often results in higher car insurance premiums. The cheapest car insurance in Kansas after a speeding ticket comes from Geico for an average of $1,547 per year.

Cheapest Car Insurance in Kansas for Drivers With a Recent Accident

Car accidents tend to significantly boost the cost of car insurance in Kansas, with the lowest prices commonly coming from State Farm for $1,862 per year on average.

Cheapest Car Insurance in Kansas for Drivers With a DUI

Auto insurance rates in Kansas almost always increase after motorists receive a DUI violation, as it’s a telltale sign of a high-risk driver. The lowest average premium for car insurance in Kansas after a DUI comes from State Farm for $1,763 per year.

Car Insurance Deals in Kansas

When looking for car insurance in Kansas, drivers can expect to find that providers will offer a variety of different discounts. Each provider is unique in their exact offerings, however, there are some typical discount offerings that most companies will offer. The table below will highlight the types of discounts the top providers in Kansas offer, with a breakdown below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Kansas

Discounts are a great way for drivers to save money on their car insurance. Although Kansas is a moderately expensive state for drivers to purchase insurance, discounts can still help bring your premiums down as a policyholder.

Here’s more information on the standard types of discounts offered by the best car insurance companies:

• Multi-policy: Bundle two or more insurance policies with the same company, such as bundling home and auto insurance
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies with a friend or family member
• Military: Applies whether you’re a veteran or active military member
• Senior: Typically applies to policyholders who are 55 and older

• Homeowners: If you pay for your mortgage as well, you may qualify for this discount
• Good student: Usually for college and high school students under 25 who maintain a B average in their courses
• Good driver: Applies to drivers with a clean driving record
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer will qualify
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

If you would like to know more about the cheapest auto insurance in Kansas, the sections below have information you might need: 

The average cost of full coverage car insurance in Kansas is $1,918 per year, which is about $160 per month. This is almost 4% lower than the national rate, which sits at $2,008 annually for those with a clean driving record.

Kansas Car Insurance Cost by Age

The cost of auto coverage in the Sunflower State varies considerably based on one’s age. While 30-year-olds can find full coverage for an average of $1,566 per year, those who are 16 get charged an average of $7,661 annually for the same policy.

Cost of Kansas Car Insurance by City

The highest average prices for car insurance in Kansas occur on the western side of the state and in populous areas such as Wichita. Many Kansas City suburbs pay some of the Sunflower State’s lowest rates. The table below shows the average estimates for full coverage insurance in different Kansas cities.

*Average rates above apply to the top three companies in each city.

As you can see, different cities have different car insurance rates. This can be due to many different factors such as extreme weather. 

Factors That Affect Car Insurance Costs

Car insurers consider multiple details when determining rates for the cheapest car insurance in Kansas.

A few key factors that impact car insurance premiums in Kansas can be found below:

• Location: Those in Wichita and some Kansas City suburbs pay higher-than-average rates for car insurance. 
• Age: Young drivers and teen drivers rarely receive the cheapest car insurance in Kansas due to their relative inexperience.
• Driving record: Those with at-fault accidents, speeding tickets or DUIs in their driving history may struggle to find affordable rates.
• Credit history: Drivers with poor credit scores will almost always pay increased costs for car insurance in the Sunflower State.
• Gender: Younger men usually receive higher rates than similarly aged women for auto coverage.
• Marital status: Married drivers often pay less than single motorists for auto insurance.
• Vehicle: Your car’s make, model, age and mileage play a significant role in your average prices.
• Deductible: You’ll generally find lower rates if you opt for a high deductible, but you’ll end up paying more out of pocket after an accident.

According to Kansas law, every driver must meet the following state minimum coverage limits:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $25,000 per accident
• Personal injury protection (PIP)
  • $4,500 per person for medical expenses
  • $900 per month for one year of disability or loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, burial or cremation services
  • $4,500 for rehabilitation expenses
• Uninsured motorist coverage/underinsured motorist coverage: $25,000 per person and $50,000 per accident

Kansas follows a no-fault car insurance system, so your auto insurance provider will cover your medical bills regardless of who caused the accident. No-fault states often have pricier auto insurance coverage than at-fault states, but that’s not the case for car insurance in Kansas.

Additional Coverage Types

While policies that go beyond minimum coverage requirements cost more, it’s typically smart to maintain additional coverage. Below, we’ll explain why Sunflower State drivers commonly pick up collision and comprehensive coverage for their vehicles.

• Collision insurance: Drivers often select collision coverage to cover damages to their cars after an accident. Without this type of insurance, motorists could end up paying out of pocket to repair their vehicles.
• Comprehensive insurance: Comprehensive coverage takes care of damages caused by natural disasters such as hailstorms, flooding and tornadoes. It also covers issues related to theft and vandalism.

While Kansans aren’t legally required to carry either of these coverages, it’s a smart move for most drivers to add them to their car insurance policy.

An easy way to find the best rates for car insurance is by bundling your auto policy with homeowners or renters insurance. By doing so, you’ll likely receive a bundling discount that can lower your car insurance rate.

Is It Illegal Not To Have Car Insurance in Kansas?

It is a class B misdemeanor to drive without proof of insurance in Kansas. First-time offenders face a fine of between $300 and $1,000 and could spend up to six months in jail. Expect to have your license and registration suspended as well after driving without insurance.

How To Get Car Insurance in Kansas

One of the easiest ways to find the cheapest car insurance in Kansas is by comparing car insurance quotes from multiple providers. That way, you’ll be able to discover what a fair rate looks like for your desired level of auto coverage.

Kansas drivers typically find lower rates and quality service from USAA, Geico, State Farm, Shelter Insurance and Progressive. All five of these providers offer an excellent product to Sunflower State drivers, and their prices are often quite competitive.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Kansas. We also looked at average cost of car insurance and coverage requirements in the Sunflower State.

Cheapest Car Insurance Kansas: FAQ

Below are some frequently asked questions about car insurance in Kansas:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.