Cheap Car Insurance
It's cheap to get car insurance in Kansas!
Whoa! Kansas is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Kansas might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Kansas?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $758 |
| 2 | The Hartford | $823 |
| 3 | Auto-Owners | $1,074 |
| 4 | Allied | $1,076 |
| 5 | Travelers | $1,084 |
| 6 | Farmers | $1,152 |
| 7 | Farm Bureau Mutual | $1,187 |
| 8 | Nationwide | $1,244 |
| 9 | State Farm | $1,258 |
| 10 | Cal Casualty | $1,268 |
| 11 | American Family | $1,335 |
| 12 | Progressive | $1,396 |
| 13 | Auto Club | $1,494 |
| 14 | Safeco | $1,500 |
| 15 | Liberty Mutual | $1,501 |
| 16 | National Farmers Union | $1,503 |
| 17 | GEICO | $1,593 |
| 18 | Electric | $1,644 |
| 19 | Shelter | $1,753 |
| 20 | Safe Auto | $1,793 |
| 21 | MetLife | $1,845 |
| 22 | Allstate | $2,069 |
| 23 | Encompass | $2,260 |
Cheap 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 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 Car 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% |
Car Insurance Laws
State minimum insurance requirements in Kansas
In Kansas, the state minimum coverage requirements are as follows:
Liability
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
- Property Damage $10,000 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
Liability coverage is legally required in Kansas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Kansas, the minimum is listed as 25/50/10 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured/Underinsured Motorist coverage is legally required in Kansas and pays for injuries that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Kansas, the minimum is listed as 25/50 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Kansas, the PIP coverage limits listed above can be increased for more protection.
Even though Kansas is considered a “no-fault” state, drivers can still sue in the event of medical bills exceeding $2,000 or permanent disfigurement or death resulting from auto accidents.
Kansas is a no fault state!
What does this mean for you?
Put simply, a no-fault insurance laws system requires that drivers 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 his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
Cheap Kansas Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Kansas.
Car Insurance FAQs
Are digital insurance cards accepted in Kansas?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Kansas you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Kansas?
Uninsured Drivers in Kansas
9%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.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 Gardner, Kansas, and the most expensive in Garden City, Kansas.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Garden City | $1,447 |
| 2 | Dodge City | $1,421 |
| 3 | Liberal | $1,404 |
| 4 | Kansas City | $1,369 |
| 5 | Great Bend | $1,235 |
| 6 | Wichita | $1,231 |
| 7 | Pittsburg | $1,178 |
| 8 | Leavenworth | $1,172 |
| 9 | Hays | $1,171 |
| 10 | Emporia | $1,157 |
| 11 | Derby | $1,153 |
| 12 | Hutchinson | $1,137 |
| 13 | Junction City | $1,127 |
| 14 | Topeka | $1,125 |
| 15 | Lawrence | $1,123 |
| 16 | Shawnee | $1,116 |
| 17 | Prairie Village | $1,106 |
| 18 | Overland Park | $1,105 |
| 19 | Leawood | $1,103 |
| 20 | Newton | $1,097 |
| 21 | Lenexa | $1,093 |
| 22 | Olathe | $1,091 |
| 23 | Manhattan | $1,091 |
| 24 | Salina | $1,070 |
| 25 | Gardner | $1,067 |
Recent Kansas Car Insurance Questions and Answers
My liability only car was hit by a stolen vehicle
My car was parked legally in my drive way, was involved in a hit-and-run with a stolen car, should onwer’s ...
What happens if I’m late on a car insurance payment
If I was late by just I half A-day on my car or insurance payment, had accident later that night. ...
Is my deck covered by my homeowners policy?
I just finished adding an attached deck to my home. After spending lots of money on materials and labor, I’m ...
What do I do if I don’t have a car but am required to have an SR22 and an ignition interlock?
I sold my vehicle since my license was suspended after a DUI and I didn’t plan on driving until my ...
Driving Laws
Kansas Texting and Driving Laws
- Ban on all cell phones for drivers with Learner or Intermediate Licenses
- Ban on text messaging for all drivers
Alcohol Related Fatalities
97
Per Year in KansasAnnual DUI Arrests
Kansas13,080
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
