Best Cheap Car Insurance in Kansas (from $63/mo)

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By Ross Martin

Updated October 21, 2021

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?

Rank	Company Name	Avg. Annual Premium
1	Farm Bureau Mutual	$1,081
2	Travelers	$1,084
3	Allied	$1,321
4	USAA	$1,407
5	State Farm	$1,439
6	Safeco	$1,500
7	Progressive	$1,642
8	Farmers	$2,033
9	American Family	$2,170
10	Allstate	$2,501

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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	$283	16.56%
No Accidents	$516	26.59%
Good Credit	$1,271	47.16%

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.

Age	Annual Rate with Parents	Annual 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 Factor	Annual Rate	% Increase
At-Fault Accident	$1,940	26.59%
DUI	$1,886	24.50%
Speeding Violation	$1,707	16.56%
Bad Credit	$2,695	47.16%

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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)
Allied	N/A	N/A	Average	N/A
Allstate	Above average	Average	Superior	4.3 / 5
American Family	Below average	Excellent	Excellent	4.3 / 5
Cal Casualty	N/A	N/A	Good	N/A
Farmers	Average	Below average	Excellent	4.3 / 5
GEICO	Average	Average	Superior	4.4 / 5
Progressive	Below average	Below average	Excellent	4.3 / 5
State Farm	Above average	Above average	Superior	4.5 / 5
Travelers	Below average	Below average	Superior	4.3 / 5
USAA	Excellent	Excellent	Superior	4.6 / 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.

Violation	Avg. Annual Auto Insurance Rate	% Insurance Rate Increase	$ Insurance Rate Increase
Hit and Run	$2,123	44%	$646
Refused Breathalyzer/Chemical Test	$1,993	35%	$517
DUI	$1,993	35%	$517
Racing	$2,083	41%	$606
Reckless Driving	$1,993	35%	$517
Driving with a Suspended License	$2,081	41%	$604
At-Fault Accident	$1,933	31%	$457
Driving with an Open Container	$1,872	27%	$395
Operating a Vehicle Without Permission	$1,778	20%	$301
Passing a School Bus	$1,852	25%	$376
Improper Passing	$1,826	24%	$349
Following Too Closely	$1,826	24%	$350
Speeding	$1,752	19%	$275
Failure to Stop at a Red Light	$1,765	20%	$288
Illegal Turn	$1,826	24%	$349
Driving Wrong Way/Wrong Lane	$1,753	19%	$277
Failure to Yield	$1,826	24%	$349
Speeding in a School Zone	$1,733	17%	$256
Driving Too Slowly	$1,724	17%	$248
Distracted Driving	$1,656	12%	$180
Driving with Expired Registration	$1,613	9%	$137
Failure to Show Documents	$1,613	9%	$137
Not-at-Fault Accident	$1,508	2%	$31
Failure to Use Child Safety Restraint	$1,548	5%	$71
Failure to Wear a Seat Belt	$1,548	5%	$71
Driving Without Lights	$1,536	4%	$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.

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

Is my deck covered by my homeowners policy?

Since the deck you recently had built is attached to your home, the structure should be covered under the "dwelling" portion of your homeowners insurance. If the deck were not attached to your home then it would be covered under the other structures portion of your policy.

Jun 7, 2017 Salina, KS

If I have two separate insurance claims to file, do they tally the two claims to determine if the car is totaled?

The claims department will want to do whatever is the least expensive option. They will likely add the damages together to decide what to do.

Jan 26, 2020 Mulvane, KS

After an auto accident where my car was totaled, can I change my coverage from full to liability only to keep my rates down?.

Yes, you can downgrade your coverage to liability only until you get a new car. It is true that you should maintain coverage if you plan on getting a new car soon in order to keep the rates down.

Jun 30, 2019 Leavenworth, KS

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

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance.

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Cheap Kansas Car Insurance