Car Insurance in Kansas
- GEICO and Shelter offer the cheapest liability and full coverage auto insurance in KS
- Compare the cheapest car insurance quotes in KS from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Kansas
The average cost of full coverage car insurance in Kansas is $1,174 for a six-month policy, which is 7% more expensive than the national average.[1] For drivers in Kansas prioritizing their budget, Shelter, and GEICO offer the most affordable quotes for full coverage and liability, respectively.
Although 32% of Kansas residents feel they are overpaying for car insurance, many are willing to spend more on superior customer service and comprehensive coverage options.[2] We suggest starting your car insurance search with Shelter, State Farm, and Farmers for these individuals.
- Shelter offered the cheapest full insurance coverage in Kansas (without eligibility restrictions) at $142/mo. USAA offers rates around $130 monthly, but coverage is limited to military members and their families.
- See the other cheapest full coverage insurance companies and best discounts in Kansas ↓
- GEICO offered the cheapest liability insurance in Kansas at $34/mo. While USAA was $4 less monthly, it is limited to military members and their families.
- Read about the rest of the top and best companies in Kansas ↓
- As a highly-rated regional carrier, Shelter scored at the top of the list on J.D. Power's 2024 auto study for the central U.S.[3] USAA is also a great option if you are a military member eligible for coverage.
- Read about the rest of the top and best companies in Kansas ↓
- The Zebra used third-party reviews from J.D. Power and AM Best, as well as thousands of customer ratings in Kansas, to name Shelter the best overall company for Kansas drivers.Â
- Read more about why we've ranked Shelter as a great fit for many Kansas ↓
Cheap liability insurance in Kansas
The average cost for a 6-month liability insurance policy in Kansas is $322.[1] Based on our user profile, USAA, Progressive and GEICO provide the cheapest liability insurance options in the state.
Relatively cheap compared to full coverage auto insurance, keep in mind that liability also gives you much less coverage overall. If your peace of mind is more important than your budget, you'll likely want full coverage. The table below highlights monthly and 6-month liability insurance quotes from Kansas's leading insurance providers.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
USAA | $182 | $30 |
GEICO | $205 | $34 |
Progressive | $296 | $49 |
Shelter | $298 | $50 |
State Farm | $307 | $51 |
Farmers | $418 | $70 |
Allstate | $482 | $80 |
Source: The Zebra
Our research shows that 44% of Kansas drivers opt for liability-only coverage for their vehicles. Kansas mandates minimum liability limits of 25/50/25, which means $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage per accident.
Kansas also requires underinsured/uninsured motorist coverage ($25,000 per person and $50,000 per accident) and personal injury protection (PIP) coverage. More detailed than many other states, Kansas's minimum PIP coverage requires the following:Â
- $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
Refer to the detailed guidelines for a more comprehensive explanation of Kansas's car insurance limits and regulations.
Kansas is one of 12 states in the U.S. that is considered "no-fault." This means that regardless of whose fault an accident is, you pay for your own vehicle's damage. These states typically have minimum coverage limits slightly different from the norm; they usually include personal injury protection (PIP) requirements, which help pay for medical costs and lost wages.
The KS minimum for medical expense coverage is $4,500 per person, but some drivers opt for higher limits. If you're new to KS and haven't insured a vehicle in a no-fault state before, take the time to familiarize yourself with the details and the state's specific requirements. Remember that the more coverage you have, the higher your premiums.
Beth Swanson, licensed insurance writer at The Zebra
Full coverage car insurance in Kansas
In 2024, Kansas's average full coverage insurance cost is $1,174 for a 6-month policy. This type of coverage is a popular choice, with 56% of The Zebra's Kansas customers looking for full coverage car insurance.[2]Â Full coverage typically includes collision and comprehensive coverage. Comprehensive coverage applies to events such as natural disasters, theft, and vandalism, whereas liability coverage does not.Â
Although full coverage isn't as cheap as Kansas drivers may hope, residents looking for the most affordable options should begin their search with quotes from Shelter, USAA or GEICO.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
USAA | $782 | $130 |
Shelter | $849 | $142 |
GEICO | $851 | $142 |
State Farm | $1,130 | $188 |
Farmers | $1,142 | $190 |
Progressive | $1,171 | $195 |
Allstate | $1,515 | $253 |
Source: The Zebra
Updating data...
Company | Liability Coverage | Full Coverage |
---|---|---|
GEICO | $136 | $737 |
USAA | $158 | $735 |
Nationwide | $159 | $654 |
State Farm | $169 | $681 |
Shelter | $269 | $810 |
Progressive | $273 | $797 |
Farmers | $297 | $929 |
Allstate | $337 | $1,409 |
Source: The Zebra
What are the best car insurance companies in Kansas?
We named Shelter the best car insurance company in Kansas based on consumer reviews, third-party ratings (J.D. Power, Trustpilot, and AM Best), and details such as discount information and coverage options.[4]
Below are the pros and cons of Shelter, plus more of the best-rated companies in Kansas. We recommend getting multiple quotes to compare as you shop for the right insurance option.
Shelter, a regional carrier operating in 14 states, offers excellent, localized service and ranks highly from third-party reviews, such as J.D. Power.[3] It may not be the cheapest option, depending on your rating factors, but it is relatively affordable compared to other companies. The company also has strong financial stability, which confirms it can pay out claims reliably and sustain its operations over the long term.Â
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Variety of products and services
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Reasonable rates
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Local agents
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Limited availability nationwide
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May lack technology compared to larger companies
Best car insurance in Kansas — honorable mentions
To determine the best companies, we compared J.D. Power Auto ratings and consumer reviews collected from nearly 3,000 drivers across Kansas and the U.S. Although Shelter took the lead as our first choice in Kansas, these are additional options for providing quality service.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
USAA | $782 | $130 |
GEICO | $851 | $142 |
State Farm | $1,130 | $188 |
Allstate | $1,515 | $253 |
Source: The Zebra
How did we pick what company has the "Best Value" in Kansas?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Kansas
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based, nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Kansas auto insurance quotes after an accident or ticket
Finding affordable car insurance in Kansas after an accident can be challenging and pricey, but it is still worth shopping for the best option. Insurance companies assess your previous accidents and tickets to determine the liability risk you present as a customer. An at-fault accident could raise your car insurance premiums to $3,318 annually (an almost 200% increase).
Below is a breakdown of how much top insurance companies in Kansas might charge you following an at-fault accident.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Shelter | $1,074 | $179 |
USAA | $1,096 | $183 |
GEICO | $1,338 | $223 |
State Farm | $1,381 | $230 |
Progressive | $1,620 | $270 |
Farmers | $1,666 | $278 |
Allstate | $2,077 | $346 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
Ideally, you'll never need to use your insurance, but a smooth experience is vital if you do. In our 2024 Customer Satisfaction Survey, we assessed the experiences of those who filed claims. USAA stood out as a top choice, making it worth considering if you're a military member in Kansas. If you aren't eligible for USAA, American Family and Allstate are also top contenders for claims satisfaction.[4]
A bad driving record can really make your insurance rates skyrocket in both Kansas and across the country. If you get a ticket, your premiums are likely to go up. How much they increase depends on the violation, your insurer's policies, and local insurance rules. That’s why tickets impact your rates differently across the country; the same violation here may result in a higher rate hike than in another state.
Source: The Zebra
The Zebra's guide to Kansas car insurance laws for high-risk drivers
Some of the violations above, such as a DUI or driving without insurance, can lead to more complicated insurance implications. Below are more details about Kansas car insurance laws and regulations. Check out our guide for additional information about car insurance requirements in the state of Kansas
Kansas DUI laws
In Kansas, a DUI offense can increase your annual car insurance premium by an astounding 275%. Finding affordable auto insurance after a DUI violation isn’t simple. 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, Shelter, advertises annual rates 44% 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 (still 6% below average).
Updating data...
Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Shelter | $1,236 | $206 |
Progressive | $1,275 | $212 |
Farmers | $1,509 | $252 |
State Farm | $1,540 | $257 |
Allstate | $1,799 | $300 |
USAA | $1,860 | $310 |
GEICO | $2,072 | $345 |
Source: The Zebra
There is no car insurer in particular that offers cheap rates after a DUI. Our suggestion to find an affordable rate is to compare and purchase car insurance online or consult an insurance agent to explore options and find a budget-friendly policy.
Learn more about car insurance and how DUI infractions impact rates.
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.
Â
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.
Â
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.
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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-owner car insurance policy before filing an SR-22 request. Non-owner auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Kansas in minutes!
How have car insurance costs in Kansas changed?
In Kansas, average annual auto insurance costs increased by $684 in the past year. A typical Kansas driver pays an average of $2,349 per year. The recent pricing trend in Kansas leans toward higher car insurance costs and remains higher than the national average. There have been a few dips in average rates, such as in 2018 and 2023, but increases usually follow. 2024's steep hike was the most significant one-year change during this time frame, but the general trend in the state has been increasing rates since 2015.
We recommend getting multiple quotes from several companies to find the best rates on your car insurance.
Year | Avg. Annual Premium | Yearly Change |
---|---|---|
2024 | $2,349 | $684 |
2023 | $1,665 | -$126 |
2022 | $1,791 | $144 |
2021 | $1,647 | $48 |
2020 | $1,599 | -$45 |
2019 | $1,644 | $105 |
2018 | $1,539 | -$257 |
2017 | $1,796 | $234 |
2016 | $1,562 | -$323 |
2015 | $1,885 | $216 |
Find your best value insurance match with The Zebra.
Car insurance in popular Kansas cities
Where you live in Kansas is one factor that will impact your car insurance costs. Given the increased number of drivers and claims (therefore higher risk), car insurance tends to be more expensive in bigger cities like Topeka or Wichita.Â
This is equally true if you live in areas more susceptible to severe weather like tornadoes. According to the Insurance Information Insitute, Kansas sees tens of thousands of dollars in losses for insured residents' property yearly.[5]Â The effects of hail, wind, and other destructive forces aren't limited strictly to homeowners' claims, either, so these natural events can also cause your car insurance to increase, which might surprise you.
Each car insurance company weighs its rating factors differently, so it's essential to get multiple quotes when shopping for a better rate.
Updating data...
City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Olathe | $1,058 | $176 |
Overland Park | $1,078 | $180 |
Topeka | $1,133 | $189 |
Wichita | $1,206 | $201 |
Kansas City | $1,297 | $216 |
Source: The Zebra
Cheap auto insurance for teens and young drivers in Kansas
Young drivers (between the ages of 16 and 25) typically have expensive auto insurance costs, with those aged 16-19 paying the highest prices. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. This is why teens can expect to pay over 100% more than drivers in their 20s and nearly 200% more than drivers in their 30s.[1]Â
Luckily, Kansas teen rates aren't as high as in many other locations. Kansan teens pay auto insurance costs that are about 3% less than the national average: $4,881 every six months or $407 monthly. The best options for cheaper coverage for teen drivers are Shelter, GEICO, and USAA.
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Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Shelter | $2,259 | $377 |
GEICO | $2,426 | $404 |
USAA | $2,814 | $469 |
State Farm | $3,784 | $631 |
Farmers | $3,891 | $649 |
Allstate | $4,442 | $740 |
Progressive | $4,517 | $753 |
Source: The Zebra
Updating data...
Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
---|---|---|
Allstate | $5,842 | $974 |
Progressive | $5,690 | $948 |
State Farm | $5,016 | $836 |
Farmers | $4,787 | $798 |
USAA | $4,039 | $673 |
GEICO | $2,820 | $470 |
Shelter | $2,604 | $434 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
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Take a Defensive Driving Course: Qualify for discounts and reduce accident risk.
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Choose a Safe, Affordable Car: Opt for a car with good safety ratings and low repair costs.
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Stay on a Parent's Policy: Save money and benefit from their insurance history.
If your auto insurance rates are higher than the average amount in your state, it's a great time to 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.
Find your best value insurance match with The Zebra.
Kansas car insurance FAQs
Below, you'll find answers to some of the most commonly asked questions regarding Kansas auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating
Anonymized User Surveys. The Zebra
2024 U.S. Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
Facts + Statistics: Tornadoes and thunderstorms. Insurance Information Insititute
RECENT QUESTIONS ABOUT CAR INSURANCE IN KANSAS
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Learn more about car insurance in Kansas:
- Car Insurance with a DUI in Kansas
- Average Cost of Car Insurance in Kansas
- Car Insurance in Topeka, KS
- Overland Park, KS Car Insurance
- Kansas City, KS Car Insurance
- Kansas Car Insurance Laws
- Temporary Car Insurance in Kansas
- Car Insurance for High-Risk Drivers in Kansas
- Car Insurance in Wichita, KS
- Olathe, KS Car Insurance
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 editorial 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.