Temporary Car Insurance in Kansas

Find out more about the pros, cons, and details of short-term car insurance in Kansas.

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If you're seeking flexibility, you could be considering a temporary car insurance policy. In truth, short-term car insurance agreements are rare for several reasons.

Most major auto insurers do not draw up contracts for periods shorter than six months. Because car insurance coverage is required by law in most places in the US, changing policies by the month can be a risky proposition. Additionally, you risk having gaps in your car insurance history by changing policies often, which can lead to higher rates in the long run.

Fortunately, auto insurance agreements typically last for just six months. This short duration allows auto insurance companies to frequently “re-rate” — or re-price — your premium with your current driving history and personal profile.

It also provides the perfect opportunity for you to reset your policy by exploring other companies. Finding quotes on the Internet costs nothing, and there isn't a penalty for moving between insurers at the completion of your policy period — or even mid-term, assuming you never let your coverage lapse.

The flexible nature of car insurance makes it relatively easy to acquire with limited advance notice. If you require an insurance policy to take a car off of the lot, shopping for coverage for a long-term car rental or seeking insurance on a car you don't own but drive regularly, consider purchasing a policy and cutting the term short as needed.

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Short-term car insurance in Kansas

See below average car insurance costs in Kansas, organized by top insurers and cities. If you’re paying substantially more than the rates listed below, consider other options.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Kansas State Average — All Companies$811$135
Farm Bureau Mutual$541$90
State Farm$720$120

The cheapest option for single-month auto insurance in Kansas is Farm Bureau Mutual, which can save you $20 per month, compared to the next-best company, Allied. In Kansas, the average monthly cost of car insurance is $135, or $811 over a six-month period.

Where you drive can have as great an effect on your auto insurance premiums as the insurance company you choose. Car insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP code. See below insurance rates in the biggest cities in Kansas and compare the amount you’re paying.

CityAverage 6-Month RateAverage Monthly Rate
Overland Park$761$127
Kansas City$951$159

Because of the myriad factors involved in setting insurance rates, your quotes may not match the totals displayed above. If your current premiums don't match the above, consider taking a moment to compare quotes. The temporary timetable of a car insurance agreement increases the importance of staying informed and willing to shop.

Discover more about temporary auto insurance or use The Zebra to compare policies for free online.


Additional resources

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

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 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.