Cheap Kansas Car Insurance

Find affordable auto insurance that works for you in Kansas. Compare quotes from over 100 top companies.

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

Across the Sunflower State, there are 286,642 miles of road just waiting to be driven. Read on to learn how much auto insurance costs in Kansas based on the most common rating factors. Or, you take the wheel and let us help you save on insurance by using our free quote comparison tool.


 

Affordable insurance companies in Kansas

What's the cheapest car insurance in Kansas?
RankCompany NameAvg. Annual Premium
1Farm Bureau Mutual$1,081
2Travelers$1,084
3Allied$1,321
4USAA$1,407
5State Farm$1,439
6Safeco$1,500
7Progressive$1,642
8Farmers$2,033
9American Family$2,170
10Allstate$2,501

Collect quotes from dozens of companies that provide coverage throughout Kansas. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Kansas

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Kansas drivers without a recent moving violation typically save 16% on their car insurance premiums, near the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$28316.56%
No Accidents$51626.59%
Good Credit$1,27147.16%

 

Cheap auto insurance for young drivers in Kansas

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Kansas is a relatively affordable state for teen drivers: the typical teen driver pays $4,139 per year — about $800 less than the national average for teens, but still far more than the Kansas driver average across all age groups.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$3,726$6,197
17$3,454$5,395
18$3,411$4,818
19$2,963$3,154

 

Cheap auto insurance for bad drivers in Kansas

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 24% after a DUI, 26% after an at-fault accident, and 16% after a speeding ticket in Kansas. The post-citation penalties assessed by car insurance companies in Kansas are lower than nationwide averages, especially after a DUI citation. If you have a clean driving record, be on the lookout for good-driving discounts from your insurer.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,94026.59%
DUI$1,88624.50%
Speeding Violation$1,70716.56%
Bad Credit$2,69547.16%

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Top rated car insurance companies in Kansas

Every car insurance company advertises its low prices. But as with any product, the least expensive insurance isn't always the best choice. Considering the financial stakes, it's worth doing your homework to discover the policy that covers your car adequately after a collision. Be on the lookout for the best value, rather than settling for the cheapest auto insurance in your state.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AlliedN/AN/AAverageN/A
AllstateAbove averageAverageSuperior4.3 / 5
American FamilyBelow averageExcellentExcellent4.3 / 5
Cal CasualtyN/AN/AGoodN/A
FarmersAverageBelow averageExcellent4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

Kansas Auto Insurance Laws

State minimum insurance requirements in Kansas

In Kansas, drivers are required to carry liability, uninsured/underinsured motorist coverage, and personal injury protection at or above the below mandatory minimums:

Liability

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

Uninsured/Underinsured Motorist

  • Bodily Injury $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

For the minimum required coverage in Kansas, expect to owe an average of $480 per year. This is cheaper than the U.S. average by 27%. If you elect better coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages incurred by car collisions, theft and vandalism, or weather incidents. Better coverage comes with a cost: in Kansas, a comprehensive policy with a $1,000 deductible costs $1,199, 150% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 198% more than you would for basic coverage.

It's worth noting that Kansas is a no-fault state.

A no-fault insurance laws system requires drivers to carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of their own damages, theoretically reducing the chances of a party suing over culpability. As a bonus, it guarantees every driver immediate medical treatment in the event of an accident.

Learn more about car insurance laws in Kansas.

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How tickets change insurance rates in Kansas

If you receive a ticket or citation, your car insurance premiums will probably rise. By how much depends on the specific citation, your car insurance company's pricing standards, and local insurance regulations. 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 violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,12344%$646
Refused Breathalyzer/Chemical Test$1,99335%$517
DUI$1,99335%$517
Racing$2,08341%$606
Reckless Driving$1,99335%$517
Driving with a Suspended License$2,08141%$604
At-Fault Accident$1,93331%$457
Driving with an Open Container$1,87227%$395
Operating a Vehicle Without Permission$1,77820%$301
Passing a School Bus$1,85225%$376
Improper Passing$1,82624%$349
Following Too Closely$1,82624%$350
Speeding$1,75219%$275
Failure to Stop at a Red Light$1,76520%$288
Illegal Turn$1,82624%$349
Driving Wrong Way/Wrong Lane$1,75319%$277
Failure to Yield$1,82624%$349
Speeding in a School Zone$1,73317%$256
Driving Too Slowly$1,72417%$248
Distracted Driving$1,65612%$180
Driving with Expired Registration$1,6139%$137
Failure to Show Documents$1,6139%$137
Not-at-Fault Accident$1,5082%$31
Failure to Use Child Safety Restraint$1,5485%$71
Failure to Wear a Seat Belt$1,5485%$71
Driving Without Lights$1,5364%$59

 

Kansas car insurance FAQs

Who has the cheapest car insurance in Kansas?

Our data shows Farm Bureau Mutual and Travelers 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?

Rates vary based on your driving profile. However, data from 2019 shows that the average driver in Kansas paid $716 for a six-month policy. This is 2% higher than the national average.

Which insurance company is best for auto?

If you're looking for full coverage insurance in Kansas, your best bet is to shop around. While Travelers and Farm Bureau Mutual 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.

How much does car insurance cost in Kansas cities?

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

RankCityAvg. Annual Premium
1Kansas City$1,902
2Wichita$1,714
3Topeka$1,537
4Overland Park$1,522
5Lenexa$1,516
6Shawnee$1,515
7Olathe$1,507
8Lawrence$1,493
9Manhattan$1,488
10Salina$1,435

 

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Ross Martin
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As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.