Cheap Kansas Car Insurance

Compare the best rates from 13 car insurance companies in Kansas.

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

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 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:
Uninsured/Underinsured Motorist
Personal injury Protection (PIP)
Optional coverage in Kansas (varies by carrier):

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.

Top 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




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

Jun 19, 2018

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

May 01, 2018

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?

Jun 08, 2017

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?

Apr 28, 2017

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

  1. Ban on all cell phones for drivers with Learner or Intermediate Licenses
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Kansas
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What 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.

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.


So, Kansas 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.

Please Note:

  • 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.

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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.