Car Insurance in Kansas
- GEICO offers the cheapest liability at $31/mo.
- Travelers has the cheapest full coverage at $115/mo.
Enter your ZIP code to start your search for Kansas car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Kansas at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Kansas
The average car insurance rate in Kansas is $1,164 for a six-month policy — 0% in premium difference versus the U.S. average ($1,162).[1]
According to our data, 48% of Kansans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest liability coverage in KS
- GEICO offered the cheapest liability coverage in Kansas at $31/mo.
Cheapest full coverage in KS
- Travelers offered the cheapest full coverage in Kansas at $115/mo.
Best customer service in KS
- Shelter scored 678 in JD Power's latest study — the highest in Kansas.
Cheap liability insurance in Kansas
The average cost for liability insurance in Kansas is $334 for a 6-month policy or $56/mo.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $31/mo.
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 full coverage insurance policy with a $500 deductible costs $1,164, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $188 | $31 |
| Travelers | $215 | $36 |
| USAA | $216 | $36 |
| Auto-Owners | $263 | $44 |
| Progressive | $275 | $46 |
| Farm Bureau Mutual (IA Group) | $276 | $46 |
| State Farm | $310 | $52 |
| Farmers | $400 | $67 |
| American Family | $471 | $78 |
| Safe Auto | $501 | $84 |
| Allstate | $508 | $85 |
| Encompass | $609 | $102 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 38% of Kansas drivers carry only the state-required liability coverage.[2] In Kansas, the law mandates minimum liability limits of 25/50/25. This refers to how much coverage an at-fault driver's insurance will cover in bodily injury per person/per accident/and in total property damage.
Learn more about car insurance requirements in the state of Kansas with our helpful guide.
Kansas is one of the few states with a no-fault auto insurance system. Every auto insurance policy must include Personal Injury Protection (PIP) coverage, which helps pay for medical expenses, lost wages, rehabilitation costs, and certain other injury-related expenses after a covered accident, regardless of who was at fault.[4] This allows injured drivers and passengers to receive benefits more quickly while reducing the need for lawsuits over minor injuries.
Beth Swanson, licensed insurance writer at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $216 | $896 |
| Travelers | $215 | $690 |
| State Farm | $310 | $1,113 |
| Shelter | $323 | $871 |
| Sentry | $487 | $1,622 |
| Progressive | $275 | $1,051 |
| MetLife | $443 | $1,587 |
| GEICO | $188 | $827 |
| Farmers | $400 | $1,056 |
| Farm Bureau Mutual (IA Group) | $276 | $1,295 |
| Encompass | $609 | $1,471 |
| Auto-Owners | $263 | $925 |
| American Family | $471 | $1,366 |
| Allstate | $508 | $1,549 |
Source: The Zebra
Cheap full coverage insurance in Kansas
Full coverage is a popular choice here, with 62% of The Zebra’s Kansas customers opting for quotes that offer this more comprehensive protection.[2]
In 2026, the average cost of full coverage insurance in Kansas is $1,164 for a six-month policy. Using our basic user profile, the cheapest company for full coverage rates in Kansas is Travelers ($115/mo).
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Travelers — as our latest data shows they have the cheapest rates in Kansas.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $690 | $115 |
| GEICO | $827 | $138 |
| USAA | $896 | $149 |
| Progressive | $1,051 | $175 |
| Farmers | $1,056 | $176 |
| State Farm | $1,113 | $186 |
| Farm Bureau Mutual (IA Group) | $1,295 | $216 |
| American Family | $1,366 | $228 |
| Safe Auto | $1,451 | $242 |
| Encompass | $1,471 | $245 |
| Allstate | $1,549 | $258 |
Source: The Zebra
What are the best car insurance companies in Kansas?
We’ve named Shelter as Kansas' top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Local insights
Drivers near you in Kansas weigh in
"I pay $76/mo for my 2021 rav 4 hybrid with State Farm. Full coverage plan plus some. Bundle your insurance plans if you aren’t already for discounts."
-Reddit user on r/Kansas
"I just paid American Family $1,300 for two 2018 vehicles."
-Reddit user on r/Kansas
Compare car insurance rates from the best companies in Kansas.
Car insurance in popular Kansas cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Cities like Wichita and Topeka, where more drivers and thus accidents occur, will see higher premiums than more rural areas.
Have a look at the table below to see average car insurance costs in some of Kansas' biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Real insights, trusted guidance
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Kansas auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Kansas. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Kansas insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Kansas car insurance for high-risk drivers
For high-risk drivers in Kansas with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Kansas' insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DUI insurance in Kansas?
In Kansas, a DUI offense can increase your annual car insurance premium substantially. 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.
Rate increase: +$918
The average 6-month premium increase after a DUI in Kansas. This premium increase typically lasts 3-5 years.
First time DUI penalties
- 48 hours to 6 months in jail
- Fine between $750-$1,000
- 30-day license suspension
- Ignition interlock device for 330 days after suspension
- Mandatory alcohol/drug program
DUI record impact timeline
- DMV record: Lifetime (stays on driving record permanently)
- Criminal record: Permanent unless expunged (5 years after 1st offense)
Cheap 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. Check out the table below to see average rates by top insurers in Kansas.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $977 | $163 |
| Progressive | $1,345 | $224 |
| Farmers | $1,396 | $233 |
| State Farm | $1,518 | $253 |
| USAA | $1,776 | $296 |
| Allstate | $1,837 | $306 |
| American Family | $1,849 | $308 |
| GEICO | $2,039 | $340 |
| Safe Auto | $2,043 | $340 |
| Auto-Owners | $2,130 | $355 |
| Farm Bureau Mutual (IA Group) | $3,185 | $531 |
| Encompass | $6,268 | $1,045 |
Source: The Zebra
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.
Kansas SR-22 laws
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. In Kansas, drivers with a DUI must have an SR-22 for one year.
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.
Find an affordable policy in Kansas in minutes!
How have average car insurance costs in Kansas changed?
Kansas' auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Kansas |
|---|---|
| 2026 | $2,313 |
| 2025 | $2,273 |
| 2024 | $2,349 |
| 2023 | $1,665 |
| 2022 | $1,791 |
| 2021 | $1,647 |
| 2020 | $1,599 |
| 2019 | $1,644 |
| 2018 | $1,539 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
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.
-
Data Methodology. The Zebra’s Dynamic Insurance Rating
Data Methodology. The Zebra’s Dynamic Insurance Rating
-
Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
-
U.S. Auto Insurance Study. JD Power
U.S. Auto Insurance Study. JD Power
-
Kansas Requires Personal Injury Protection (PIP) Coverage. PIP coverage
Kansas Requires Personal Injury Protection (PIP) Coverage. PIP coverage
RECENT QUESTIONS ABOUT CAR INSURANCE IN Kansas
My neighbor got a new roof after hail, so why isn't mine covered?
Whose insurance is liable if my car was broken into at a tow yard?
Does car insurance cover a uhaul?
What do I do if I don't have a car but am required to have an SR22 and an ignition interlock?
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.
