Cheapest Car Insurance in Kansas (November 2025)

Kansas drivers pay $116 monthly for full coverage car insurance, running 5% below the national average. Minimum coverage costs $45 per month, which is 22% less than what drivers nationwide pay. Kansas ranks 28th out of 51 states for full coverage affordability and 18th for minimum coverage.

GEICO offers the cheapest rates for both full coverage and minimum liability policies statewide. The company also leads in most major cities across Kansas.

Skipping full coverage means you'll pay for your own repairs if you cause an accident, so compare rates to find affordable coverage that works for your budget. MoneyGeek also ranked the best car insurance companies in Kansas by analyzing rates, customer satisfaction and coverage options, and GEICO topped that list.

GEICO offers the cheapest full coverage at $71 monthly or $849 annually. Travelers secures second place at $909 per year, followed by Auto-Owners ($1,043 annually), Shelter Insurance ($1,158 yearly) and State Farm ($1,419 annually). Residents have multiple budget-friendly options for comprehensive coverage as of November 2025.

GEICO delivers the most affordable minimum coverage car insurance in Kansas at $25 monthly or $302 annually, helping drivers meet state requirements without breaking the bank. Kansas drivers can choose from several well-known carriers offering the cheapest liability-only car insurance.

Travelers ranks second at $33 per month, followed by Auto-Owners and State Farm both at $36, with Shelter Insurance rounding out the top five at $45. Kansas motorists can easily find budget-friendly coverage while staying legally compliant.

Kansas mandates liability insurance with limits of $25,000 per person for bodily injury, $50,000 per accident and $25,000 for property damage (25/50/25).

These requirements help keep premiums affordable but major collisions can easily exceed these limits. The state's severe weather conditions like ice storms and tornadoes increase accident risks throughout the year.

GEICO provides the lowest minimum coverage premiums in nine of Kansas’s largest cities based on MoneyGeek’s analysis, while Auto-Owners offers the cheapest option in Kansas City.

Minimum coverage rates across Kansas’s major cities range from $23 to $37 per month. Manhattan drivers see the lowest available rate at $23 through GEICO, while Olathe has the highest at $37. Most mid-sized cities sit between $24 and $28 monthly, offering consistently affordable options throughout the state.

Kansas drivers ages 16-25 have high insurance costs, but choosing Travelers can deliver savings. This insurer offers the most affordable full coverage at $152 monthly, sitting 46% below the state average for young drivers. Auto-Owners ranks second at $202 per month, while GEICO rounds out the top three at $230 per month.

Adults between 26 and 64 benefit from GEICO's competitive pricing at $71 per month for comprehensive coverage. Travelers follows closely with rates of $76 monthly, and Auto-Owners provides solid coverage at $82 per month.

Senior drivers find their best value with Travelers at $91 monthly for full coverage, which runs 37% lower than the Kansas averages for this age group. Shelter Insurance claims second place at $99 per month, with GEICO offering coverage at $109 monthly for drivers 65 and older.

Driving violations and credit issues can increase insurance premiums in Kansas. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. 

Your credit score matters too. Travelers provides the most affordable rates for most high-risk categories, though Shelter Insurance leads for bad credit and GEICO offers better deals for speeding violations.

• Cheapest With a Speeding Ticket: GEICO ($87 per month)
• Cheapest With a Texting While Driving Violation: GEICO ($87 per month)
• Cheapest With an At-Fault Accident: Travelers ($103 per month)
• Cheapest With a DUI: Travelers ($110 per month)
• Cheapest for Bad Credit: Shelter Insurance ($202 per month)

Compare quotes from national and regional insurers to secure the lowest auto insurance rates in Kansas. Regional carriers often compete closely with national brands in both the Kansas City metro and smaller communities. Bundling home and auto, maintaining strong credit and qualifying for safe-driver discounts can help bring premiums down.

Minimum coverage is the least expensive option, but it comes with trade-offs. Kansas's 25/50/25 liability requirement meets state law but may not cover the full cost of a serious crash. Without collision insurance, you'll pay for your own vehicle repairs after an at-fault accident. Comprehensive coverage helps protect against theft, storm damage and vandalism—concerns that matter in a state that regularly ranks among the higher tiers for auto theft and sees frequent hail and wind-related losses.

In 2023, the average bodily injury claim reached about $22,734, leaving only a small margin before exceeding Kansas's $25,000 per-person minimum. If you can afford it, increasing your coverage can prevent out-of-pocket expenses after a major accident.

GEICO provides Kansas drivers with the most affordable car insurance rates across different coverage levels. Don't let low premiums be your only deciding factor; purchase sufficient coverage within your budget to shield yourself financially during accidents.

Our insurance experts answer common questions about securing cheap car insurance coverage in Kansas.

Kansas drivers juggle high traffic volume in Wichita, weather risks and rates that run 5% below the national average for full coverage. We compared rates across Kansas's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Kansas ZIP code using data from the state's Insurance Department and Quadrant Information Services. The numbers tell the story: rural Dodge City drivers pay far less than Kansas City commuters stuck on I-35, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Kansas's median demographic:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history
  

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Kansas insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles. 

Coverage Levels We Compared

Kansas requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious Kansas drivers carry.

For full coverage analysis, we used higher liability limits that better protect Kansas drivers in serious accidents:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible
  

Most insurance agents in Kansas push these higher limits once you mention Wichita traffic. Three-car pileups on I-35 eat through that $25,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.