Cheapest Car Insurance in Kansas

Auto-Owners offers the most affordable minimum coverage for Kansas drivers at just $28 monthly or $337 annually. This rate is $210 less than the state's average cost, making it a budget-friendly choice. These rates are sourced from Quadrant Information Services, reflecting the cheapest options in Kansas as of December 2024. Read our research methodology to learn about how we found the cheapest Kansas car insurance.

Auto-Owners is the cheapest car insurance company for most drivers in Kansas, with an average monthly cost of $53 for both state minimum and full coverage. This rate is much lower than the average $78. Other affordable options include American Family, Travelers, GEICO, and Shelter.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Auto-Owners is the most affordable car insurance provider for both minimum and full coverage in Kansas. However, your personal background affects your rate. Below, we showcase the cheapest car insurance rates for various driver profiles in Kansas.

Read More: Cheapest Car Insurance

Auto-Owners offers the cheapest rate for cheap minimum liability coverage in Kansas, with Travelers, Iowa Farm Bureau, and Farmers Union Insurance also providing affordable options. Use the table below to explore rates from these companies and see how they compare to the monthly state average.

American Family is the cheapest provider for full coverage auto insurance in Kansas, with rates averaging $74 per month or $888 per year. This is a more affordable option compared to the average state cost. Check the table below for other provider options.

In Kansas, young adult drivers fare best with Auto-Owners, offering the most affordable plans. A typical minimum coverage policy costs just $37 per month for a 25-year-old driver.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

Young drivers in Kansas can find affordable auto insurance with Auto-Owners for minimum coverage at $37 per month. American Family offers full coverage at $87 monthly. Rates vary based on driving records and other factors, but these companies provide a good starting point for finding budget-friendly options.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Kansas can find affordable rates with Iowa Farm Bureau. They offer minimum coverage at just $29 per month for 65-year-olds.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

For senior drivers in Kansas, Iowa Farm Bureau offers the cheapest minimum coverage at $29 per month. American Family is great for full coverage at $67. Rates may vary, but use the table below to guide your car insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Kansas drivers with a DUI, at-fault accident, or speeding ticket are seen as high-risk by insurers and pay more for car insurance compared to those with clean records. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with a DUI, at-fault accident, and speeding ticket.

Progressive offers the best rates for Kansas drivers with DUIs, averaging $41 per month ($492 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Kansas.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $34 per month ($408 per year), Auto-Owners is the cheapest company for drivers after an at-fault accident. The table below shows other insurers offering affordable coverage for drivers with accidents. Rates are for a minimum coverage policy.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Travelers offers the cheapest insurance for Kansas drivers with a speeding ticket, averaging $44 per month. Check the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Travelers is the cheapest car insurance provider for drivers with poor credit scores, offering $44 monthly and $533 annually for minimum coverage. Check the table below for more affordable options.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your location plays a big part in your car insurance rates. Even within Kansas, rates may vary from city to city due to population size, flood risks, and crime rates.

For example, Auto-Owners offers a minimum coverage policy in Kansas City for $35, while the same policy costs just $31 in Olathe. Check the table below to find your city, the most affordable company, and the lowest average monthly premium.

*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

Kansas residents seeking to bundle home and auto insurance find State Farm to be the most affordable. View more cheap companies for bundling policies in the table below.

*Rates are for a 40 year old driver with good credit and no driving violations

In Kansas, the monthly average cost for full coverage car insurance is $111, while state minimum coverage averages at $46. By understanding the average cost of car insurance in Kansas, you can better determine if your current insurance is a smart choice for your budget.

In Kansas, car insurance rates change by city. See the average costs for your area in the table below, with minimum and full coverage options.

Car insurance in Kansas ranks 22nd in expense compared to other states. While not the priciest, rates can reflect the Sunflower State's moderate population density, occasional natural disasters, and vehicle theft occurrences.

Kansas law requires all drivers to carry car insurance policies that meet the state's minimum coverage limits. These limits include $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage per accident. Additionally, Kansas drivers need uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. Personal Injury Protection (PIP) is also required, covering various expenses such as medical costs, disability, and funeral expenses.

If you finance or lease your car, you will likely need to purchase comprehensive and collision insurance on top of the minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. Experts recommend opting for full coverage insurance with the highest deductible and liability limits you can comfortably afford.

Drivers with serious traffic violations like speeding or drunk driving might need to file for SR-22 insurance, which can increase your premium. In Kansas, either you or your insurance company can file the SR-22. It is valid for 1 year from your most recent DUI offense.

In Kansas, self-insurance is a popular alternative to traditional car insurance. It involves depositing a bond or cash with the state to cover potential damages, meeting the state's minimum coverage requirements.

For business owners, fleet insurance is a viable option. It allows multiple vehicles to be insured under one policy, simplifying management and ensuring compliance with state insurance laws.

MoneyGeek recommends that drivers opt for full coverage car insurance, which encompasses liability, collision, and comprehensive coverage. For optimal protection, we suggest the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage ensures your car is protected against damages not caused by a collision, like theft, vandalism, or natural disasters. On the other hand, collision coverage is there for you when your car is damaged in an on-road collision.

If your car holds significant value, MoneyGeek advises getting both comprehensive and collision insurance, even though it's not a legal requirement. It's also smart to set your deductible for these coverages at an amount you're comfortable paying before your insurance covers the remaining costs.

American Family offers Sunflower State drivers the most affordable full coverage at $74. Auto-Owners Insurance Co has the lowest price for minimum coverage at $28. While saving money is great, remember, the cheapest car insurance may not be the best. Experts say, get as much coverage as you can afford for solid protection on the road.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Kansas to ensure you get the right coverage for your situation.

MoneyGeek obtained Kansas auto insurance rates from the Kansas Department of Insurance and Quadrant Information Services. We examined 49,812 auto insurance quotes from 14 providers across 48 ZIP codes to determine the most affordable car insurance companies in Kansas.

Kansas Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Kansas:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Kansas

We compared car insurance companies in Kansas that offer both minimum and full coverage policies. The minimum coverage liability limits in Kansas are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

For full coverage policy rates, we used the following liability limits:

• $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

Home and Auto Coverage Levels in Kansas

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

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

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible