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Here's what you need to know when driving in Kansas

The average car insurance rate in Kansas is $1,647 per year — 8% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Kansas car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Kansas based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in Kansas

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Kansas.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 897 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Kansas.

2nd place medal
Shelter Insurance

As a highly-rated regional carrier, Shelter Insurance scored an 856 on J.D. Power's 2021 auto study.

3rd place medal
Farmers

Farmers placed third in this region with a score of 848 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.2 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Kansas drivers pay about 8% more for car insurance on average
  • The cheapest major car insurance company is Nationwide

The cheapest car insurance companies in Kansas

These companies offer the cheapest rates in the following scenarios.

medal
Cheapest full coverage insurance — Nationwide

The cheapest rates are from Nationwide at $1,217 annually or $101 per month.

medal for most affordable
Cheapest after at-fault accident and DUI — State Farm

We found that State Farm has the most affordable rates following an at-fault accident or DUI.

Most affordable medal
Cheapest for teen drivers — Nationwide

Insuring young drivers between the ages of 16 and 19 can be exorbitantly expensive. Nationwide provides the cheapest rate for teens.

Company Avg. Annual Premium
Nationwide $1,217
USAA $1,340
State Farm $1,384
GEICO $1,400
Farmers $1,784
Progressive $1,811
Allstate $2,546
Updated: 09/29/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Kansas auto insurance laws

Car insurance is mandatory in almost every state, including Kansas. If you choose the legal minimum coverage level in Kansas, expect to pay an average of $502 annually. This expenditure is less expensive than the nationwide average by 67%.

If you choose the legal minimum coverage level in Kansas, expect to pay an average of $502 annually.

State minimum coverage

In order to drive legally in the state of Kansas, you must carry at least the minimum liability limits listed below:

Liability coverage:

  • Bodily Injury: $25,000 per person
  • Bodily Injury: $50,000 per accident
  • Property Damage: $25,000 per accident

Uninsured/underinsured motorist coverage:

  • Bodily Injur:y $25,000 per person
  • Bodily Injury: $50,000 per accident

Personal injury Protection (PIP)

  • $4,500 medical expense per person
  • $900 per month income loss for one year
  • $25 per day at-home services
  • $4,500 rehabilitation expense per person
  • $2,000 funeral expense per person

Optional coverage in Kansas (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Kansas, a comprehensive insurance policy with a $1,000 deductible costs $1,395, 178% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 250% more than you would for basic coverage.

In Kansas, a comprehensive insurance policy with a $1,000 deductible costs $1,395, 178% more than liability-only car insurance.

The Zebra's guide to Kansas car insurance laws


Learn more about car insurance requirements in the state of Kansas with our helpful guide.


Compare car insurance rates from the best companies in Kansas.

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Kansas car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Kansas.

Cheap auto insurance in Kansas for minimum coverage

Getting liability-only coverage at the state minimum level will make your car insurance significantly cheaper than having full coverage. In Kansas, the average cost for minimum coverage is $42 per month, or $502 yearly — a savings of $1,254 compared to full coverage.

Company Avg. Annual Premium
GEICO $273
USAA $315
Nationwide $318
State Farm $337
Progressive $545
Farmers $594
Allstate $674
Updated: 09/29/22.

Cheap auto insurance in Kansas with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Kansas drivers with poor credit pay $1,419 more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
GEICO $1,789
Nationwide $1,801
USAA $2,469
Farmers $2,686
Progressive $3,050
State Farm $3,347
Allstate $3,634
Updated: 09/29/22.

Cheap auto insurance in Kansas with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $629 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
State Farm $1,679
USAA $1,871
Nationwide $1,971
GEICO $2,195
Farmers $2,422
Progressive $2,616
Allstate $3,430
Updated: 09/29/22.

Cheap auto insurance for young drivers in Kansas

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Kansas, teen drivers pay especially high rates: $4,963 per year — more than $3,400 more than the nationwide average and over three times as much as a typical Kansas driver.

Company Avg. Annual Premium
Nationwide $3,183
GEICO $3,916
State Farm $4,461
USAA $4,763
Farmers $6,271
Allstate $6,995
Progressive $7,354
Updated: 09/29/22.

Kansas auto insurance rate by violation

In Kansas, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. How much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below average auto insurance rates in Kansas after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,791 0% $0
None $1,791 0% $0
Not-at-fault accident $1,847 3% $57
Two Med/PIP claims $1,914 7% $124
One comp claim $1,925 8% $134
Two comp claims $1,994 11% $203
Failure to wear a seat belt $1,994 11% $204
Driving without lights $2,023 13% $233
Failure to show documents $2,027 13% $236
Child safety restraint $2,064 15% $273
Driving with expired registration $2,087 17% $296
Cell phone violation $2,136 19% $346
Texting while driving $2,137 19% $347
Driving too slowly $2,149 20% $359
Speeding 6 - 10 MPH over limit $2,163 21% $372
Failure to stop at a red light $2,176 22% $385
Speeding 11 - 15 MPH over limit $2,176 22% $385
Speeding in school zone $2,183 22% $393
Speeding 16 - 20 MPH over limit $2,186 22% $396
Failure to yield $2,194 23% $404
Illegal turn $2,194 23% $404
Following too closely $2,194 23% $404
Wrong way/wrong lane $2,198 23% $407
In 65 MPH zone $2,206 23% $416
Improper passing $2,207 23% $416
Speeding 21 - 25 MPH over limit $2,228 24% $438
Operating a vehicle without permission $2,229 24% $438
Open container $2,266 27% $475
Passing school bus $2,266 27% $475
At-fault accident - less than $1000 $2,266 27% $475
Racing $2,469 38% $679
At-fault accident - $1000-$2000 $2,628 47% $838
At-fault accident - greater than $2000 $2,628 47% $838
Reckless driving $2,639 47% $849
Driving with a suspended license $3,291 84% $1,500
Refusal to submit to a chemical test $3,360 88% $1,570
DUI $3,388 89% $1,598
Leaving scene of an accident/hit and run $3,524 97% $1,733
Updated: 09/29/22.

Kansas DUI laws

In Kansas, a DUI offense can increase your annual car insurance premium by an average of 89%. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing or reckless driving.

 
Low-cost car insurance after a DUI in Kansas

If you're convicted of a DUI or DWI violation in Kansas, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Kansas, State Farm, advertises annual rates 45% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Kansas is Progressive, while the priciest firm is GEICO.

Company Avg. Annual Premium
State Farm $1,866
Progressive $2,006
Farmers $2,334
Nationwide $2,538
Allstate $2,987
USAA $3,166
GEICO $3,392
Updated: 09/29/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Kansas SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Kansas to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Kansas might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Kansas

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company and ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Find an affordable policy in Kansas in minutes!

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Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Gardner and the most expensive in Coolidge, Kansas.

Have a look at the table below to see average car insurance costs in some of Kansas's biggest cities.

City Avg. Annual Premium
Olathe $1,590
Overland Park $1,620
Topeka $1,717
Wichita $1,835
Kansas City $1,963
Updated: 09/29/22.

Car insurance price trends in Kansas

In Kansas, average annual auto insurance costs increased by $48 in the past year. A typical Kansas driver pays an average of $1,647 per year.

The recent pricing trend in Kansas leans toward pricier car insurance costs and remains higher than the national average. The steepest decrease occurred from 2015 to 2016, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

KANSAS CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Kansas Yearly Change — Kansas Avg. Annual Premium — US Yearly Change — US
2021 $1,647 $48 $1,529 $46
2020 $1,599 -$45 $1,483 -$61
2019 $1,644 $105 $1,544 $23
2018 $1,539 -$257 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Kansas car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Kansas auto insurance.

Who has the cheapest car insurance in Kansas? Chevron down icon
Our data shows Nationwide and USAA offer the cheapest insurance in Kansas. Our data reflects costs for a 30-year-old male driver. In order to find the cheapest insurance in Kansas, use our comparison tool here for personalized spam-free quotes.
How much is car insurance in Kansas? Chevron down icon
Rates vary based on your driving profile. However, data from 2022 shows that the average driver in Kansas paid $824 for a six-month policy. This is 8% higher than the national average.
Which insurance company is best for auto? Chevron down icon
If you're looking for full coverage insurance in Kansas, your best bet is to shop around. While Nationwide and USAA might be the cheapest insurance for our driving profile, it might not be for yours. Use our comparison tool to find the best rates for you.

Save money on your next car insurance policy!

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RECENT QUESTIONS

Does a non-running vehicle need to be insured in Florida

There's a couple of things to think about here: If your car is registered you will need to have insurance on it, even if you are not driving it. If you do not have insurance, the state of Florida can suspend your license.
Aug 1, 2018 Miami, FL

If I am in between vehicles and need an SR22, what should I do for insurance?

I would recommend getting a non-owners insurance policy with an SR22 added. This will provide state-required coverage to drive while you don't actually own a vehicle and don't have a need for a traditional auto policy.
Feb 10, 2017 Topeka, KS

Can I get car insurance without a home address?

Unfortunately it seems like you are in a tough spot until you have moved into your new place. Lots of information is used by insurance companies to determine the rate that they will charge to insure a driver and a major factor in rating that price is your home address.
May 29, 2016 Portland, OR

How do I handle insurance, tags, and title if I'm going to buy a vehicle from a private party through payments?

For the seller's security, a contract for the payments should be drafted and both you and the seller should have a notarized copy. Once the agreement has been signed by both of you then the seller should cancel the insurance coverage and registration on the vehicle as well as transfer the title to your name.
Jul 11, 2017 Chapel Hill, NC

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.