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)
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About The Zebra's recommendations

The Zebra’s product features real quotes from some of the companies we review. However, our content and reviews are unbiased and never commissioned-based.

Reference our editorial standards or learn more about how we make money.

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Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Ross Martin

Insurance Writer

Credentials
  • 5+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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.

Cheapest full coverage in KS
Cheapest full coverage in KS
Cheapest liability coverage in KS
Cheapest liability coverage in KS
Best customer service in KS
Best customer service in KS
The Zebra's Recommendation for best car insurer - Shelter
Best car insurance in KS — overall

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.

Cheapest insurance companies in Kansas for minimum coverage

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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: 

  • $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.

beth swanson
What does Kansas's "no-fault" status mean for auto coverage?

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] 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. 

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.

Full coverage quotes in KS

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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

Cheapest Liability & Full Coverage Quotes in Kansas

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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
Overall best car insurance company in Kansas — Shelter

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. 

Pros
  • Variety of products and services

  • Reasonable rates

  • Local agents

Cons
  • Limited availability nationwide

  • 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.

Best car insurance companies in Kansas

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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.

Best insurance companies in KS after an 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.

Auto insurance rates by violation in Kansas

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Accident/Violation Avg. Annual Premium $ Rate Increase
None $2,349 $0
One Med/PIP claim $2,349 $0
Not-at-fault accident $2,414 $65
Two Med/PIP claims $2,520 $171
One comp claim $2,532 $183
Failure to show documents $2,602 $253
Two comp claims $2,624 $275
Failure to wear a seat belt $2,647 $299
Child safety restraint $2,718 $369
Driving without lights $2,724 $375
Driving with expired registration $2,727 $379
Speeding 6 - 10 MPH over limit $2,812 $463
Driving too slowly $2,844 $495
Cell phone violation $2,848 $500
Texting while driving $2,849 $500
Failure to yield $2,863 $515
Illegal turn $2,863 $515
Following too closely $2,864 $515
Wrong way/wrong lane $2,868 $520
In 65 MPH zone $2,883 $535
Speeding 11 - 15 MPH over limit $2,885 $536
Failure to stop at a red light $2,888 $540
Speeding in school zone $2,894 $545
Improper passing $2,897 $548
Speeding 16 - 20 MPH over limit $2,900 $551
Open container $2,923 $574
Operating a vehicle without permission $2,956 $607
Passing school bus $2,971 $623
Speeding 21 - 25 MPH over limit $2,979 $630
At-fault accident - less than $1000 $3,007 $658
At-fault accident - $1000-$2000 $3,318 $969
At-fault accident - greater than $2000 $3,318 $969
Racing $3,675 $1,326
Reckless driving $3,989 $1,640
Driving with a suspended license $4,320 $1,972
Refusal to submit to a chemical test $4,363 $2,014
DUI $4,398 $2,049
Leaving scene of an accident/hit and run $4,585 $2,236

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).

Kansas car insurance quotes with a DUI

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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.

 

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-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!

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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.

Car insurance costs in Kansas since 2015
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.

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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. 

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] 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.

Auto insurance quotes in Kansas's biggest cities

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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] 

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.

Cheapest car insurance quotes for young drivers in KS

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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

Top companies in Kansas for Teens
Filter by:

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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

  1. Take a Defensive Driving Course: Qualify for discounts and reduce accident risk.

  2. Choose a Safe, Affordable Car: Opt for a car with good safety ratings and low repair costs.

  3. 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.

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Kansas car insurance FAQs

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

Our data shows Shelter and USAA offer the cheapest insurance in Kansas. Our data reflects costs for a 30-year-old male driver. The best way to find coverage that meets your budget is to look at multiple companies and compare quotes.

Rates vary based on your driving profile, but the current average rate for a six-month policy in Kansas is $1,174 ($196 per month). This is about 7% more expensive than the national average.

Kansas requires minimum coverage 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. The state also requires underinsured/uninsured motorist coverage and personal injury protection (PIP) coverage. For more information, see our detailed explanation of Kansas car insurance regulations.

Save money on your next car insurance policy!

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Sources
  1. Data Methodology. The Zebra’s Dynamic Insurance Rating

  2. Anonymized User Surveys. The Zebra

  3. 2024 U.S. Auto Insurance Study. J.D. Power

  4. 2024 Customer Satisfaction Survey. The Zebra

  5. Facts + Statistics: Tornadoes and thunderstorms. Insurance Information Insititute

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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.