Cheap Kansas Car Insurance

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

Your information is secure.

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

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 insures 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

 

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 Gardner, Kansas, and the most expensive in Garden City, Kansas.

RankCityAvg. Annual Premium
1Garden City$1,447
2Dodge City$1,421
3Liberal$1,404
4Kansas City$1,369
5Great Bend$1,235
6Wichita$1,231
7Pittsburg$1,178
8Leavenworth$1,172
9Hays$1,171
10Emporia$1,157
11Derby$1,153
12Hutchinson$1,137
13Junction City$1,127
14Topeka$1,125
15Lawrence$1,123
16Shawnee$1,116
17Prairie Village$1,106
18Overland Park$1,105
19Leawood$1,103
20Newton$1,097
21Lenexa$1,093
22Olathe$1,091
23Manhattan$1,091
24Salina$1,070
25Gardner$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 ...

JUN 19, 2018
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. ...

MAY 01, 2018
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 ...

JUN 08, 2017
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 ...

APR 28, 2017

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

Kansas DUI Laws

Kansas applies enhanced penalties for DUIs involving:

  • Passengers who are younger than 14 in a car driven by someone who is DUI
  • BAC readings of 0.15% or higher
  • DUIs that cause accidents, injuries, or death

Kansas recently lowered its lookback period from considering a lifetime of past DUI offenses to a period of 10 years.

First-time DUI offenses in Kansas lead to:

  • 48 hours to six months in jail
  • $750 to $1,000 in fines
  • License suspension for 30 days
  • Restricted license for 330 days following suspension
  • Possible requirement to perform 100 hours of community service
  • Required completion of an alcohol safety education or treatment program
  • Possible vehicle impoundment for up to one year
What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

Who’s to Blame? Defining “Fault” in an Insurance Scenario
Who’s to Blame? Defining “Fault” in an Insurance Scenario
Sep 07, 2016

To the uninitiated, fault sounds easy enough: it ought to be assigned to the perpetrator of a crash, right? And...

Kids and Pets Left in Hot Cars: What Can You Do?
Kids and Pets Left in Hot Cars: What Can You Do?
Aug 31, 2016

The interior temperature of a parked car sitting in the sun on a 78-degree day can reach 120 degrees in...

What is PIP Insurance and Do You Really Need It?
What is PIP Insurance and Do You Really Need It?
Nov 16, 2015

Commonly called PIP for short, personal injury protection insurance protects you against—you guessed it—personal injury. If you get in an...

Aw, Hail No
Aw, Hail No
May 23, 2014

Just before 4 p.m. in eastern Pennsylvania, the skies darkened as temperatures plummeted. Shoppers in a mall in Wyomissing heard a...

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 destrination 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, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

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.

Click here to learn more