GEICO offers the cheapest rates in Kansas for four out of our 10 driver categories, including adult drivers and those with speeding tickets, while Travelers also is cheapest for four categories with affordable rates for young and senior drivers. Find your specific rates in the table below:
Cheapest Car Insurance in Kansas for October 2025
Updated: October 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO offers the cheapest car insurance in Kansas at $25 monthly for minimum coverage and $71 for full coverage or 43% below state averages. Travelers and Auto-Owners provide competitive low-cost alternatives.
Rates in Kansas vary by city and driver profile. Minimum coverage starts as low as $23 monthly in Manhattan KS but costs $40 in Mission. Young drivers pay $66 monthly with Travelers, while seniors get rates from $40 with GEICO.
Kansas's no-fault system increases costs. Required PIP coverage adds to premiums, but you can lower rates by adjusting PIP limits, bundling policies, improving your credit score and comparing quotes from at least three insurers.
Summary: Cheapest Car Insurance in Kansas by Driver Type
Travelers | $66 | |
GEICO | $26 | |
Travelers | $46 | |
Travelers | $43 | |
Travelers | $45 | |
GEICO | $31 | |
Shelter Insurance | $91 | |
Drivers With Low Income | Shelter Insurance | $56 |
Drivers With Newer Cars | GEICO | $28 |
Drivers With Old Cars | GEICO | $20 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Who Has the Cheapest Minimum Coverage Car Insurance in Kansas?
GEICO offers the cheapest minimum coverage car insurance in Kansas at $25 monthly or $302 annually. Travelers ($33 monthly), Auto-Owners ($36 monthly) and Shelter Insurance ($45 monthly) have affordable alternatives, all keeping you well below the state average of $61 monthly.
Kansas requires all drivers to have 25/50/25 liability coverage, plus personal injury protection (PIP) and uninsured/underinsured motorist coverage. The PIP requirement covers $4,500 in medical expenses per person, $900 monthly for income loss (up to one year) and $25 daily for in-home services. This no-fault system means your PIP coverage pays your medical bills regardless of who caused the accident, which keeps premiums higher than states without PIP requirements.
| Geico | $25 | $71 | -43% | $-36 |
| Travelers | $33 | $76 | -35% | $-30 |
| Auto Owners | $36 | $87 | -27% | $-23 |
| Shelter Insurance | $45 | $97 | -16% | $-14 |
| State Farm | $36 | $118 | -9% | $-7 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN KANSAS
We've created additional guides below to help you in your search for the best and cheapest car insurance in Kansas:
Compare the Cheapest Car Insurance in Kansas for You
The cheapest car insurance company in Kansas depends on how insurers weigh your specific risk factors. GEICO might has the lowest rates in Kansas for clean-record drivers while Shelter beats everyone for drivers with bad credit. We see up to 100% cost difference between companies for identical coverage in Kansas.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $100 | $1,198 | -43% | $-897 |
| Auto Owners | $113 | $1,351 | -36% | $-744 |
| Geico | $118 | $1,421 | -32% | $-674 |
| Shelter Insurance | $125 | $1,494 | -29% | $-601 |
| State Farm | $139 | $1,673 | -20% | $-422 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Kansas by City
Auto-Owners secures three of Kansas's 20 largest cities—Gardner, Junction City, and Kansas City. Geico captures the remaining 17 markets with competitive monthly premiums as of October 2025.
Derby, Emporia, and Manhattan enjoy the state's most affordable rates at $23 monthly through Geico. Most Kansas cities cluster in the $23 to $28 range, with Lawrence, Leavenworth, and Hutchinson at $24 monthly via Geico. Wichita residents access rates at $28 monthly through Geico. Even at the upper end, Olathe drivers pay just $37 monthly with Geico, while Kansas City sits at $33 monthly through Auto-Owners.
Find your city's cheapest car insurance provider below:
| Derby | Geico | $23 | -49% | $-43 |
| Dodge City | Geico | $28 | -41% | $-37 |
| Emporia | Geico | $23 | -44% | $-34 |
| Garden City | Geico | $28 | -41% | $-36 |
| Gardner | Auto Owners | $26 | -41% | $-32 |
| Hutchinson | Geico | $24 | -45% | $-37 |
| Junction City | Auto Owners | $26 | -42% | $-33 |
| Kansas City | Auto Owners | $33 | -42% | $-42 |
| Lawrence | Geico | $24 | -44% | $-35 |
| Leavenworth | Geico | $24 | -46% | $-39 |
| Leawood | Geico | $26 | -43% | $-37 |
| Lenexa | Geico | $26 | -40% | $-33 |
| Manhattan | Geico | $23 | -44% | $-34 |
| Olathe | Geico | $37 | -38% | $-37 |
| Overland Park | Geico | $27 | -43% | $-37 |
| Prairie Village | Geico | $26 | -42% | $-36 |
| Salina | Geico | $26 | -44% | $-38 |
| Shawnee | Geico | $26 | -41% | $-34 |
| Topeka | Geico | $27 | -40% | $-33 |
| Wichita | Geico | $28 | -45% | $-42 |
*The lowest rates in Kansas referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Kansas by Driver Age Group
We analyzed rates across Kansas for three age groups to find the cheapest providers in based on your age. Age affects your car insurance rates more than almost any other factor. Insurers use claims data showing younger drivers file more accident claims while experienced drivers maintain cleaner records resulting in higher costs for young drivers and seniors in Kansas.
Cheapest Car Insurance in Kansas by Age Group
- Young drivers (16-25) get the lowest rates from Travelers at $66 monthly for minimum coverage.
- Adult drivers (26-64) find the best deals with GEICO at $26 monthly for minimum coverage.
- Senior drivers (65+) see the most affordable coverage through GEICO at $40 monthly for minimum coverage.
Cheapest Car Insurance For Young Drivers in Kansas
Travelers has the most affordable rates for young drivers in Kansas at $66 monthly ($786 annually) for minimum coverage or 45% below the state average for this age group. Auto-Owners ($83 monthly) and GEICO ($84 monthly) have low-cost alternatives if Travelers doesn't operate in your area.
Young drivers in Kansas pay more because statistics show drivers under 26 file claims at roughly double the rate of experienced drivers. Your rates will drop substantially once you turn 26, and you can speed up savings by maintaining a clean record, completing a defensive driving course and staying on a parent's policy when possible.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $66 | $786 | -45% | $-634 |
| Auto Owners | $83 | $999 | -30% | $-420 |
| Geico | $84 | $1,007 | -29% | $-413 |
| State Farm | $99 | $1,188 | -16% | $-232 |
| Farm Bureau | $103 | $1,232 | -13% | $-188 |
*The rates shown reflect individual policies in Kansas. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in Kansas
GEICO stands out for adult drivers with the cheapest rates at $26 monthly ($309 annually) or 45% below the state average. Auto-Owners ($31 monthly) and Travelers ($34 monthly) also offer affordable as options.
Adult drivers in Kansas get the lowest insurance rates because you're in the sweet spot: old enough to have driving experience but young enough to avoid the increased accident risk that comes with aging. Kansas insurers reward this stability with lower premiums than young or senior drivers pay.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $26 | $309 | -45% | $-252 |
| Auto Owners | $31 | $376 | -33% | $-185 |
| Travelers | $34 | $407 | -27% | $-154 |
| State Farm | $38 | $455 | -19% | $-106 |
| Shelter Insurance | $42 | $508 | -9% | $-52 |
Cheapest Car Insurance For Senior Drivers in Kansas
Kansas seniors find the lowest rates with GEICO at $40 monthly ($482 annually) or 38% below the state average for drivers 65 and older. Shelter Insurance ($45 monthly) and Travelers ($46 monthly) have low-cost options also.
Senior rates sit between young and adult driver costs. Shop around annually since senior discounts and rates vary significantly between insurers in Kansas.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $40 | $482 | -38% | $-289 |
| Shelter Insurance | $45 | $540 | -30% | $-231 |
| Travelers | $46 | $546 | -29% | $-225 |
| State Farm | $52 | $621 | -20% | $-150 |
| Farm Bureau | $53 | $636 | -18% | $-136 |
Cheapest Car Insurance For High-Risk Drivers in Kansas
Your driving record directly impacts what you'll pay for car insurance in Kansas. Violations like speeding tickets, at-fault accidents and DUIs signal higher risk to insurers, which means higher insurance costs. The good news: different insurers weigh violations differently, so comparing quotes after an incident will help you find the cheapest policy.
- Cheapest for Bad Credit: Shelter Insurance (From $86/mo)
- Cheapest With a DUI: State Farm (From $41/mo)
- Cheapest With an Accident: Travelers (From $44/mo)
- Cheapest With a Speeding Ticket: GEICO (From $31/mo)
- Cheapest With a Texting While Driving Violation: GEICO (From $31/mo)
Cheapest Car Insurance For Bad Credit in Kansas
Shelter Insurance has the most affordable rates for drivers with bad credit at $86 monthly ($1,033 annually) or 38% below the state average for this profile. GEICO follows at $88 monthly, with Farm Bureau and Auto-Owners rounding out the cheapest options.
Kansas allows insurers to use credit scores when setting rates, and the impact is substantial. Drivers with poor credit will pay double or even triple what those with good credit pay for identical coverage. Improve your rates by paying bills on time, reducing credit card balances and checking your credit report for errors.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Shelter Insurance | $86 | $1,033 | -38% | $-630 |
| Geico | $88 | $1,055 | -37% | $-608 |
| Farm Bureau | $99 | $1,186 | -29% | $-478 |
| Auto Owners | $109 | $1,306 | -21% | $-357 |
| Dairyland | $121 | $1,457 | -12% | $-206 |
Cheapest Car Insurance With a DUI in Kansas
State Farm has the cheapest rates in Kansas for drivers with a DUI at $41 monthly ($490 annually) or 47% below the state average for this violation. Travelers comes in at $46 monthly, while Progressive, Shelter and Dairyland charge much higher rates.
A DUI conviction in Kansas requires you to file an SR-22 certificate proving you have insurance, and your insurer must maintain this filing with the state for at least two years. Your rates will stay elevated during this period, though they'll gradually decrease once the SR-22 requirement ends and the DUI ages off your record after three to five years.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $41 | $490 | -47% | $-431 |
| Travelers | $46 | $547 | -41% | $-373 |
| Progressive | $55 | $659 | -28% | $-261 |
| Shelter Insurance | $61 | $728 | -21% | $-192 |
| Dairyland | $71 | $856 | -7% | $-65 |
Cheapest Car Insurance With an Accident in Kansas
Travelers has the cheapest car insurance in Kansas at $44 monthly ($523 annually) after an at-fault accident or 38% below the state average for drivers with this violation. State Farm follows closely at $45 monthly, making both insurers good options for affordable post-accident coverage.
An at-fault accident stays on your Kansas driving record for three years and increases your premiums because insurers view you as a higher risk for future claims. Your rates will return to normal once the accident drops off your record.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $44 | $523 | -38% | $-317 |
| State Farm | $45 | $537 | -36% | $-302 |
| Geico | $47 | $559 | -33% | $-280 |
| Auto Owners | $47 | $569 | -32% | $-271 |
| Shelter Insurance | $63 | $754 | -10% | $-86 |
Cheapest Car Insurance With a Speeding Ticket
GEICO has the lowest rates for Kansas drivers with a speeding ticket at $31 monthly ($378 annually) or 46% below the state average. Travelers and State Farm both come in at $41 monthly, providing solid affordable options.
A speeding ticket in Kansas increases your rates less dramatically than accidents or DUIs, but you'll still pay more for three years.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $31 | $378 | -46% | $-325 |
| Travelers | $41 | $489 | -30% | $-213 |
| State Farm | $41 | $490 | -30% | $-213 |
| Shelter Insurance | $45 | $540 | -23% | $-162 |
| Auto Owners | $50 | $605 | -14% | $-98 |
Cheapest Car Insurance With a Texting While Driving Violation
GEICO has the cheapest rates for Kansas drivers ticketed for texting while driving at $31 monthly ($378 annually) or 47% below the state average. Auto-Owners comes in at $36 monthly as the next cheapest option and then Travelers at $41 is also very affordable.
Your violation in Kansas stays on your record for three years. See the cheapest car insurance rates in Kansas below if you have this violation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $31 | $378 | -47% | $-328 |
| Auto Owners | $36 | $427 | -39% | $-279 |
| Travelers | $41 | $489 | -31% | $-217 |
| State Farm | $41 | $490 | -31% | $-216 |
| Shelter Insurance | $45 | $540 | -23% | $-166 |
How to Get the Cheapest Car Insurance in Kansas
- 1
Compare multiple insurers in Kansas
Kansas drivers should review quotes from both national carriers and regional companies. GEICO dominates in most cities, but regional insurers like Shelter Insurance and Farm Bureau often beat national providers for specific driver profiles. Get quotes from at least three companies before buying.
- 2
Understand Kansas’ no-fault system
Kansas requires 25/50/25 liability, 25/50 uninsured/underinsured motorist coverage, and personal injury protection (PIP) that includes:
- $4,500 medical expenses per person
- $900 per month income loss (up to one year)
- $25 per day in-home services
Your PIP coverage pays your medical bills regardless of who caused the accident. This no-fault system keeps premiums higher than states without PIP requirements.
- 3
Adjust PIP choices
Kansas allows you to raise or lower PIP limits beyond the minimum requirements. Lower limits reduce your premiums but increase your financial risk if you're injured. Higher limits provide more protection but cost more. Consider your health insurance coverage when deciding which PIP limits make sense for you.
- 4
Match coverage to Kansas risks
Kansas has regular tornadoes and hailstorms that cause significant vehicle damage. Comprehensive coverage protects against these weather events, falling objects and theft. If you're financing your vehicle, your lender requires comprehensive coverage anyway. Skip it only if your car's value is low enough that you could afford to replace it out of pocket.
- 5
Shop insurer discounts
Common discounts in Kansas include telematics monitoring programs that track your driving habits, bundling auto and home policies, good student discounts for young drivers maintaining a B average or better, and safe-driver rewards for maintaining a clean record.
- 6
Improve your driving record and credit score
A DUI in Kansas requires an SR-22 filing and keeps your rates elevated for years. Speeding tickets, at-fault accidents and texting violations all increase your premiums for three years. Keeping a clean driving record is one of the most effective ways to maintain affordable rates.
Because Kanas allows insurers to use credit score when determining your rates, a high credit score will get you cheaper car insurance rates.
- 7
Apply through KAIP if denied
The Kansas Automobile Insurance Plan (KAIP) provides access to liability coverage for drivers rejected by standard insurers. This high-risk pool costs more than standard market rates, but it keeps you legal if no other insurer will cover you.
Common Car Insurance Discounts in Kansas
Finding the lowest-priced insurance companies is just one part of getting affordable car insurance in Kansas. These proven strategies will help you save the most on auto insurance.
- 1
Defensive Driving Course Discount (Up to 10% savings for 3 years)
Kansas law requires insurers to offer discounts to drivers who complete a state-approved Motor Vehicle Accident Prevention course. GEICO, State Farm and other Kansas insurers provide a mandatory 10% discount on liability and collision coverage that lasts three years.
- 2
Bundling Discount (10-25% savings)
Combining your auto and home insurance with the same company saves Kansas drivers an average of $400 annually. GEICO, State Farm, Travelers and Auto-Owners all offer competitive bundling discounts. This discount works particularly well in Kansas since tornado and hail damage make comprehensive coverage important for both your home and vehicle.
- 3
Good Driver Discount (15-30% savings)
Maintaining a clean driving record for three to five years earns you significant savings with Kansas insurers. You must have no at-fault accidents, DUIs or major violations during the lookback period. State Farm's accident-free discount increases over time once you've been with them for three continuous years without a chargeable accident.
- 4
Good Student Discount (10-25% savings)
Full-time Kansas students under 25 who maintain a B average or better qualify for good student discounts. State Farm requires students to rank in the upper 20% of their class, maintain a 3.0 GPA or make the Dean's List. You'll need to provide report cards or transcripts to prove eligibility every semester.
- 5
Low Mileage Discount (5-15% savings)
Kansas drivers who work from home or have short commutes should ask about low mileage discounts. Driving fewer than 7,500 to 10,000 miles annually qualifies you with most insurers. Given Kansas's rural areas and smaller cities, many drivers naturally fall into this category and miss out on this discount by not asking.
- 6
Military and Federal Employee Discounts
USAA serves active duty military, veterans and their families with highly competitive rates available only to military-connected Kansas drivers. GEICO and Armed Forces Insurance also offer military-specific discounts. Given Kansas's military presence at Fort Riley and Fort Leavenworth, these discounts benefit many Kansas drivers.
Should You Get the Cheapest Car Insurance in Kansas?
Kansas requires drivers to carry liability insurance with minimum coverage of 25/50/10 plus personal injury protection and uninsured motorist coverage. Meeting these minimums keeps you legal, but it leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Minimum coverage doesn't include collision insurance, so you'll pay all repair costs for your car if you cause an accident. Average property damage claims in Kansas hit $4,825 in 2023, according to the Insurance Information Institute. Add collision coverage to protect against expensive repairs after at-fault accidents.
Weather risks make damage to your car more likely and aren't covered
Kansas gets hit with severe weather that damages cars regularly. Weather-related property damage averaged $3,890 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against tornadoes and severe storms that frequently hit Kansas.
Bodily injury damage is more likely to be higher than the minimum limits
Kansas's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. Average bodily injury claims in Kansas reached $22,850 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
11% of drivers lack car insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll have out-of-pocket costs without uninsured motorist coverage.
Vehicle theft damage is more likely and uncovered
Car theft is a problem in Kansas, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft.
Minimum Coverage Requirements in Kansas
Kansas law requires drivers to have auto insurance before operating a vehicle. The state follows a no-fault system, which means your own insurance covers your medical expenses and other losses after an accident, regardless of fault. Every policy must include liability insurance, personal injury protection (PIP) and uninsured/underinsured motorist coverage. These minimums keep you compliant, though many drivers choose higher limits for stronger financial security.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Personal Injury Protection (PIP) | $4,500 per person for medical expenses; additional benefits for rehab, lost income, and funeral costs |
Uninsured/Underinsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in Kansas: Bottom Line
GEICO has the cheapest car insurance rates in Kansas for most drivers, with minimum coverage starting at $25 monthly and full coverage at $71 monthly. But the cheapest insurer for you depends on your specific profile. Travelers beats everyone for young drivers and those with accidents, while Shelter wins for drivers with bad credit.
Kansas's no-fault system requires personal injury protection coverage that adds to your premiums compared to other states. You're also dealing with 11% uninsured drivers and regular tornado and hail damage that can total your car. Minimum coverage meets legal requirements but leaves you paying out of pocket for weather damage, theft and costs that exceed your liability limits.
Get quotes from at least three insurers and adjust your PIP limits to match your needs. Compare what full coverage costs versus minimum coverage as a small difference is worth the added protection given Kansas's weather risks and high uninsured driver rate.
Cheap Car Insurance in Kansas: FAQ
Below, we answer common questions about finding affordable car insurance in Kansas to help you get the right coverage at the best price.
What are the cheapest car insurance companies in Kansas?
GEICO provides the most affordable car insurance in Kansas, with average rates of $25 monthly for minimum coverage and $71 monthly for full coverage. Travelers, Auto-Owners, Shelter and State Farm also offer competitive rates.
Does Kansas require PIP coverage?
Yes, Kansas requires all drivers to have personal injury protection (PIP) coverage that pays at least $4,500 in medical expenses per person, plus $900 monthly for income loss (up to one year) and $25 daily for in-home services. You can adjust these limits up or down based on your needs and budget.
Can I drive legally in Kansas with just liability insurance?
No, Kansas requires more than basic liability. You must carry 25/50/25 liability coverage, plus personal injury protection (PIP) and uninsured/underinsured motorist coverage. Driving with only liability insurance doesn't meet Kansas legal requirements.
What happens if I get caught driving without insurance in Kansas?
Kansas treats driving without insurance seriously. First-time offenders face a $300 to $800 fine, potential vehicle impoundment and license suspension. You'll also need to file an SR-22 certificate with the state and maintain it for one year, which increases your insurance costs substantially.
How does Kansas's no-fault system affect my insurance rates?
Kansas's no-fault system requires PIP coverage that pays your medical bills regardless of who caused the accident. This mandatory coverage increases your premiums compared to states without no-fault laws. However, it also protects you from lawsuits for minor accidents and ensures you get medical treatment quickly after a crash.
Should I buy comprehensive coverage in Kansas?
Yes, comprehensive coverage makes sense for most Kansas drivers. The state averages 47 tornadoes annually and has regular severe hailstorms that damage vehicles. Comprehensive coverage protects against weather damage, theft, vandalism and falling objects. Skip it only if your car's value is low enough that you could afford to replace it out of pocket.
How much does full coverage car insurance cost in Kansas?
Full coverage car insurance in Kansas costs $71 monthly on average with GEICO, though rates vary based on your age, driving record, credit score and location. Young drivers pay around $252 monthly while adult drivers with clean records can get full coverage for as low as $71 monthly.
How We Found the Most Affordable Car Insurance in Kansas
MoneyGeek gathered auto insurance requirements from the Kansas Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 80 million rate comparisons across every residential ZIP code in Kansas.
Kansas Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates in Kansas:
- 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
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Kansas
We compared car insurance companies in Kansas that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Kansas.
The minimum coverage liability limits in Kansas are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
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
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed October 8, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed October 8, 2025.
- National Centers for Environmental Information. "Climate at a Glance ." Accessed October 8, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 8, 2025.
