The cheapest car insurance companies in Kansas are GEICO, Nationwide, and State Farm. Kansas drivers can save up to $2,433 per year on car insurance just by shopping around and comparing quotes.
Kansas ranked 22nd in WalletHub’s cheap car insurance study, with drivers paying just $558 per year for state minimum coverage. This is quite a bit lower than the national average of $716 per year, thanks to the state’s high population of rural drivers. More than 25% of residents live in rural areas, making it a state with very low population density and helping to make car insurance in Kansas very affordable. Fewer drivers means less-crowded roadways, fewer accidents and smaller insurance payouts, so rates stay lower overall.
The average difference between the highest and lowest quotes for the same full coverage policy is $5,303 per year in Kansas, for example, so drivers who shop around can potentially save a lot. To make the job easier, WalletHub analyzed quotes from all major insurers using several driver profiles and zip codes across Kansas. You can explore our top picks below and then compare the cheapest options to the best car insurance companies in Kansas to make sure you find the right fit.
GEICO has the cheapest car insurance for most good drivers in Kansas. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional discounts from their insurance company.
Cheapest Car Insurance in Kansas for Full Coverage
Full coverage refers to a policy that goes beyond the minimum state requirements. Because full coverage protects you in more situations, it costs more than minimum coverage.
After a speeding ticket, most drivers will see their insurance rates go up for 3-5 years. It’s important to keep in mind that each insurance company calculates rates differently, so you should always get multiple quotes in order to make sure that you get the best deal.
Cheapest Car Insurance in Kansas for Drivers with One At-Fault Accident
One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you high-risk. Because of your higher rates, it is even more important to comparison shop.
Cheapest Car Insurance in Kansas for Drivers with Poor Credit
A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
Cheapest Car Insurance in Kansas for Young Drivers
Young, inexperienced drivers pay more for car insurance because they have yet to prove themselves responsible behind the wheel. Young drivers are also statistically more likely to get into an accident than middle-aged drivers. As a result, most drivers will see their rates drop as they age.
Cheapest Car Insurance in Kansas for Older Drivers
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Kansas for Drivers with a DUI
Drivers who have a DUI on their record typically experience much higher rates than drivers with a clean driving record or people with a history of less severe violations. A DUI usually affects your insurance rates for 3-10 years, but the violation itself may stay on your driving record for much longer than that.
To identify the cheapest post-DUI insurance companies, WalletHub compared rates for a 45-year-old, single man, with minimum coverage, one DUI, and good credit across major insurers.
Cheapest Car Insurance in Kansas for Married Drivers
Married drivers typically enjoy cheaper car insurance rates than drivers who are single. Auto insurance companies generally view drivers who are married as more responsible and less of a risk to insure. To help married drivers further reduce their insurance costs, WalletHub compared major insurance companies’ rates for a 45-year-old, married man with minimum coverage, a clean driving record, and good credit.
Cheapest Cities for Car Insurance in Kansas
City
Premium
Increase vs. Cheapest City
Salina
$1,079
0.0%
Emporia
$1,108
2.7%
Manhattan
$1,112
3.1%
Hays
$1,131
4.8%
Junction City
$1,134
5.1%
Ottawa
$1,135
5.2%
Newton
$1,173
8.7%
Great Bend
$1,174
8.8%
Pittsburg
$1,184
9.7%
Hutchinson
$1,190
10.3%
Lawrence
$1,200
11.2%
Arkansas City
$1,206
11.8%
Winfield
$1,217
12.8%
Gardner
$1,236
14.6%
Liberal
$1,249
15.8%
El Dorado
$1,250
15.8%
Dodge City
$1,255
16.3%
Topeka
$1,259
16.7%
Garden City
$1,271
17.8%
Leavenworth
$1,282
18.8%
Olathe
$1,293
19.8%
Lenexa
$1,307
21.1%
Derby
$1,320
22.3%
Leawood
$1,321
22.4%
Overland Park
$1,332
23.4%
Shawnee
$1,340
24.2%
Mission
$1,388
28.6%
Prairie Village
$1,393
29.1%
Wichita
$1,431
32.6%
Kansas City
$1,533
42.1%
The table above reflects the average annual cost of car insurance in Kansas’s largest cities and towns.
Factors That Affect Car Insurance Premiums in Kansas
Recap: Cheapest Auto Insurance Companies in Kansas
The cheapest car insurance company in Kansas is GEICO, which charges an average of $51 per month for state-minimum coverage. In addition to being the cheapest auto insurer for Kansans overall, it is the cheapest option for a number of specific categories, such as full coverage and insurance for good drivers.
For your convenience, we’ve summarized the cheapest companies overall below.
6 Tips for How to Get Cheap Car Insurance in Kansas
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Kansas, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, GEICO, and Travelers.
2. Search for discounts
Top car insurance companies in Kansas have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
3. Know the factors affecting insurance in Kansas
Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Kansas, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.
4. Choose coverage that is right for you
You need liability insurance to pay for the other driver’s damages if you’re at fault in an accident in Kansas. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too. Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
5. Live in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Kansas. On average, drivers in the most expensive parts of Kansas spend over $500 more per year on car insurance than those living in the least expensive areas.
6. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Kansas drivers who don’t maintain continuous coverage pay an average of 6% more than those with five or more years of insurance history.
Video: Cheap Auto Insurance in Kansas
Methodology for Selecting the Cheapest Auto Insurance in KS
WalletHub’s analysis of cheap car insurance companies in Kansas is based on data from the Kansas DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Kansas drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Kansas car insurance companies by averaging premiums from 35 zip codes that represent at least 20% of Kansas's population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident
Clean
Miles Driven Per Year
7,500 Miles, 15,000 Miles, 20,000 Miles
15,000 Miles
Coverage Level
Minimum, Standard, Full
Minimum
Discounts
None, Multi-Policy, Homeowner, Student
None
Credit Level
Poor, Good
Good
Filings
None, SR22, FR44
None
Car
Sedan, Minivan, SUV, Coupe, Truck
Sedan
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as well as $25,000 in uninsured/underinsured motorist coverage per person, $50,000 in uninsured/underinsured motorist coverage per accident, personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation and survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services, as required by Kansas's minimum coverage requirements.
Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage, personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation and survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.
Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible, personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation and survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.
Sedan: 2018 Toyota Camry.
Minivan: 2018 Dodge Grand Caravan.
SUV: 2018 Toyota RAV4.
Coupe: 2018 Ford Mustang.
Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Kansas insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
Questions & Answers
Finding the cheapest car insurance in Kansas can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines.
Kansas car insurance laws require bodily injury liability coverage of $25,000 per person (up to $50,000 per accident), $25,000 of property damage liability coverage, and $4,500 of personal injury protection coverage.
The first two categories - bodily injury liability and property damage liability - cover injuries or damage that you accidentally cause with your car. Your car insurance pays up to a specified limit for each category. If you want additional coverage, you can choose higher limits than the ones required by Kansas law.
Kansas has no-fault insurance. Most states that require personal injury protection coverage are no-fault states. No-fault laws mean that, at least initially, each driver is responsible for their own medical bills – regardless of who caused the accident. That's when personal injury protection can come in handy for an injured driver.
Since insurance is required by Kansas law, you can face multiple penalties if you're caught driving without it, including fines, suspension of registration, and impounding your car. Another important Kansas car insurance law to note is the grace period for new residents: You have 90 days to register your car when you move to Kansas. You'll need to bring proof of Kansas car insurance when you go to register, with at least the following coverage types and amounts.
Minimum Coverage Required by Kansas Car Insurance Laws:
Bodily injury liability: $25,000 per person / $50,000 per accident
To get temporary car insurance in Kansas, you will have to purchase a six month policy and cancel mid-policy when you no longer need coverage. You may have to pay a cancellation fee, depending on your insurer, but you can usually get a refund for any unused coverage time you've prepaid for.
The most affordable temporary car insurance coverage in Kansas is from GEICO, which charges an average of $19 per month for state-minimum coverage. Meanwhile, the...
You need an SR-22 in Kansas for 1 year, meaning you must also maintain at least the minimum car insurance coverage required by Kansas law for 1 year. Failure to have an SR-22 for 1 year can result in additional penalties and reinstatement fees.
Kansas SR-22 Insurance Requirements
$25,000 in bodily injury liability insurance per person ($50,000 per accident)
Car insurance in Kansas is expensive because it is a no-fault state and requires personal injury protection. In Kansas, you can expect to pay approximately $3,840 per year for full coverage car insurance or $1,102 per year for minimum coverage. Car insurance in Kansas is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily increasing, too, both in Kansas and nationwide. As the...
Drivers in Kansas can get cheap car insurance with "no deposit" or "no down payment", but all that really means is you only have to pay the first month's premium to get coverage. You cannot get car insurance in Kansas without paying something up front.
The average premium in Kansas is about $320 per month for full coverage and around $92 per month for state-minimum coverage. Drivers in Kansas should expect to pay about that much in...
Car insurance usually follows the car in Kansas. The types of car insurance that follow the car in Kansas are collision, comprehensive, and property damage liability. You're required to carry property damage liability and personal injury protection in Kansas. PIP follows the driver, unlike liability coverage.
If you let someone borrow your car and they cause an accident in Kansas, bodily injury liability insurance pays for injuries to the other driver and their passengers....
Yes, you can get an SR-22 without insurance in Kansas. You can satisfy your SR-22 requirement by getting a surety bond or an irrevocable letter of credit issued by a qualified financial institution instead of getting an insurance policy. An SR-22 is documentation proving that a driver has at least the minimum coverage required by Kansas law after they've been convicted of serious violations such as driving uninsured, reckless driving, or a DUI.
You cannot register a car without insurance in Kansas, as proof of insurance is required at the time of registration. In Kansas, you have to carry at least the minimum amount of insurance required by law, and you have a few weeks from the date of purchase to register your vehicle. It's important to note that you can't drive or register the car without insurance.
To register a car in Kansas, you typically need the following:
Non-owner car insurance provides Kansas' minimum car insurance coverage for people who don't own a car but drive often. In Kansas, non-owner insurance can pay for injuries and property damage that you cause others, but it won't pay for damage to the borrowed car. A non-owner policy can also satisfy an SR-22 requirement if you need insurance to get your license reinstated but don't own a car.
The Kansas new-car insurance grace period is 7 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy. If you don't have a current policy, you'll need proof of personal injury protection, uninsured/underinsured motorist and liability coverage before you can legally drive or register your car in Kansas.
Car Insurance is a necessary expense if you’re a driver, but trying to find the cheapest rates can be a time-consuming process. To gain more insight about getting cheap car insurance while still having quality coverage, WalletHub posed the following questions to a panel of experts in Kansas. Click on the experts below to view their bios and answers.
What does it say about car insurance companies that so many have celebrity endorsers?
Do you think it’s fair to say that car insurance companies try to mislead customers or is it just marketing?
Is it fair for car insurance companies to consider gender or age when setting premiums?
Is it fair for car insurance companies to consider a driver’s occupation when setting premiums?
Do you think car insurance companies are fair to college students?
What advice do you have for new drivers when it comes to car insurance?
How do you think increased adoption of electric vehicles will change the car insurance landscape?
To what extent has technology disrupted the car insurance industry relative to others?
Samira B. Hussein Professor, Business Administration, Johnson County Community College Read More
Keevan M. Statz Ph.D., Assistant Professor of Marketing, School of Business – Benedictine College Read More
Bradley W. Lane Ph.D., Associate Professor, Urban Planning Program, School of Public Affairs and Administration, University of Kansas Read More
Yexin Jessica Li Associate Professor, Jack and Shirley Howard Mid-Career Professor, Dean's/Frank S. Pinet Fellow, University of Kansas - School of Business Read More
Timothy Hills Instructor, Colby Community College Read More
David Slusky De-Min and Chin-Sha Wu Associate Professor, Associate Chair & Director of Undergraduate Studies, Department of Economics, University of Kansas Read More
