Cheap Kansas Car Insurance

Compare the best rates from 10 car insurance companies in Kansas.

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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. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Kansas?
RankCompany NameAvg. Annual Premium
1USAA$758
2The Hartford$823
3Auto-Owners$1,074
4Allied$1,076
5Travelers$1,084
6Farmers$1,152
7Farm Bureau Mutual$1,187
8Nationwide$1,244
9State Farm$1,258
10Cal Casualty$1,268
11American Family$1,335
12Progressive$1,396
13Auto Club$1,494
14Safeco$1,500
15Liberty Mutual$1,501
16National Farmers Union$1,503
17GEICO$1,593
18Electric$1,644
19Shelter$1,753
20Safe Auto$1,793
21MetLife$1,845
22Allstate$2,069
23Encompass$2,260
24Dairyland$5,512

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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$28316.56%
No Accidents$51626.59%
Good Credit$1,27147.16%

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.

AgeAnnual Rate with ParentsAnnual 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 FactorAnnual Rate% Increase
At-Fault Accident$1,94026.59%
DUI$1,88624.50%
Speeding Violation$1,70716.56%
Bad Credit$2,69547.16%

What are the Best Car Insurance Companies in Kansas?

Every car insurance company advertises its low prices. But as with any product, the most affordable auto 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.

Review top insurance companies' financial stability and claims satisfaction ratings to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — evaluates an insurer's financial stability and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allied3Superior
Allstate3Superior
American Family4Excellent
Cal CasualtyNot RatedExcellent
EncompassNot RatedSuperior
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
ShelterNot RatedExcellent
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What is the Best Auto Insurance Coverage in Kansas?

The minimum required level of insurance in Kansas is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Analyze average rates for liability-only and comprehensive coverage levels in the following table.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Kansas$480.46$1,199.20$1,432.08
National Average$657.66$1,241.26$1,397.94

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 $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

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 25/50/25 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.
  • $25,000 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. As a bonus, it guarantees every driver immediate medical treatment in the event of an accident.

Kansas Car Insurance FAQs

What do Kansas car insurance rules state about loaning a car?

There is no Kansas law regarding loaning your car to someone — the legality of this depends on your insurance company's policy. Many car insurance policies have a stipulation referred to as "permissive use." This extends coverage to an individual who uses the vehicle infrequently but does not live at the listed residence. The definition of "infrequently" depends on carrier-specific requirements. Your best option is to speak with an insurance agent at your current provider.

Is car insurance required in Kansas?

Yes. Car insurance is required in Kansas in order for a vehicle to be driven or parked on public roadways.

What should I do when a car insurance company declares my car "totaled" in Kansas?

Depending on your coverage and the accident, you could receive a payout for the totaled vehicle. For example, if you have comprehensive or collision coverage, you would receive the current value of the vehicle minus your deductible. You could use this to acquire a new vehicle. If you were the not-at-fault party in the collision, the other driver's insurance could cut you a check for the current value of the vehicle. If you were the at-fault party and only have liability coverage, you can consider selling the vehicle for scrap value. If you repair the vehicle, it will be deemed a "salvaged title" and could potentially be denied coverage given the risk insurance companies assign to salvaged titles.

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 Prairie Village, Kansas, and the most expensive in Kansas City, Kansas.

RankCityAvg. Annual Premium
1Kansas City$1,738
2Dodge City$1,728
3Garden City$1,727
4Liberal$1,696
5Wichita$1,571
6Great Bend$1,504
7Derby$1,484
8Leavenworth$1,467
9Hutchinson$1,431
10Emporia$1,415
11Hays$1,412
12Topeka$1,402
13Leawood$1,387
14Overland Park$1,384
15Shawnee$1,383
16Lenexa$1,379
17Lawrence$1,369
18Olathe$1,368
19Gardner$1,349
20Manhattan$1,347
21Newton$1,341
22Salina$1,293
23Pittsburg$1,178
24Junction City$1,127
25Prairie Village$1,106

Recent Kansas Car Insurance Questions and Answers

Can I get insurance for a car with an accident report?

Yes, you can buy a vehicle that has been in an accident. If the car has a salvaged title, you may not be able to add "full coverage" (comprehensive and collision coverage) so make sure to check with the company you decide to go with.

Can I get car insurance with just a state ID in Kansas?

Yes, there are several companies that will insure you without a license. Some companies will require you to get a license within a certain time frame so make sure to find out the details before getting a policy.

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.

Will car insurance cover replacing a window?

If the window breaking was caused by an accident, it is covered by your insurance. If it wasn't, then it is not likely to be covered even if you have comprehensive and collision coverage, as these cover damages resulting from events such as fire, theft, or vandalize, and not a malfunction with the vehicle.


How Do Tickets Impact Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,12344%$646
Refused Breathalyzer/Chemical Test$1,99335%$517
DUI$1,99335%$517
Racing$2,08341%$606
Reckless Driving$1,99335%$517
Driving with a Suspended License$2,08141%$604
At-Fault Accident$1,93331%$457
Driving with an Open Container$1,87227%$395
Operating a Vehicle Without Permission$1,77820%$301
Passing a School Bus$1,85225%$376
Improper Passing$1,82624%$349
Following Too Closely$1,82624%$350
Speeding$1,75219%$275
Failure to Stop at a Red Light$1,76520%$288
Illegal Turn$1,82624%$349
Driving Wrong Way/Wrong Lane$1,75319%$277
Failure to Yield$1,82624%$349
Speeding in a School Zone$1,73317%$256
Driving Too Slowly$1,72417%$248
Distracted Driving$1,65612%$180
Driving with Expired Registration$1,6139%$137
Failure to Show Documents$1,6139%$137
Not-at-Fault Accident$1,5082%$31
Failure to Use Child Safety Restraint$1,5485%$71
Failure to Wear a Seat Belt$1,5485%$71
Driving Without Lights$1,5364%$59

Kansas Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Kansas area, while also getting an insider view of the Sunflower State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.