Auto-Owners offers the cheapest car insurance for minimum coverage in Kansas. For other types of motorists, American Family and USAA might be more affordable. Drivers who want to balance cost with quality service can study our rankings of the best car insurance companies in Kansas.
Cheapest Car Insurance in Kansas (October 2024)
Updated: November 14, 2024
Advertising & Editorial Disclosure
CheapestCar InsuranceKansasTable of Contents
Cheapest Minimum Car Insurance - Auto-Owners Insurance
Cheapest for Full Coverage - American Family Insurance
Why Trust MoneyGeek? Our team gathered the most recent data from the Kansas Insurance Department and Quadrant Information Services to find Kansas’ cheapest car insurance policies for various driver profiles.
These rates reflect the cheapest car insurance quotes in Kansas as of October 2024.
49,812Quotes Analyzed
14Companies Compared
48ZIP Codes
Cheapest Minimum Liability Car Insurance in Kansas (October 2024)
The cheapest auto insurance companies for minimum coverage in Kansas are:
- Auto-Owners Insurance Co: $337 per year
- Iowa Farm Bureau: $414 per year
Conversely, Dairyland offers the most expensive minimum coverage car insurance in the state, costing approximately $1,183 per year.
Minimum coverage car insurance in Kansas covers bodily injury liability, property damage liability, uninsured motorists and personal injury protection.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
| Auto-Owners Insurance Co | $337 | $28 |
| Iowa Farm Bureau | $414 | $35 |
| Travelers | $421 | $35 |
| Farmers Union Insurance | $446 | $37 |
| GEICO | $465 | $39 |
| American Family | $467 | $39 |
| State Farm | $475 | $40 |
| Progressive | $486 | $40 |
| Shelter | $502 | $42 |
| Farmers | $524 | $44 |
| Nationwide | $605 | $50 |
| Allstate | $782 | $65 |
| Dairyland | $1,183 | $99 |
A minimum coverage car insurance policy only covers damages or injuries that you cause to other people. However, it doesn’t pay for damages to your vehicle. If you’re looking for broader protection, a full coverage car insurance policy offers comprehensive and collision coverage that extends to your vehicle.
Find the Best Car Insurance in Kansas for You
Your preferences and insurance requirements impact your car insurance rates. The table above lists the most affordable auto insurance premiums for minimum coverage in Kansas.
Learn more about how much car insurance you need.
MoneyGeek analyzed the best car insurance providers in Kansas based on affordability and service quality.
We evaluated the average price of auto insurance in Kansas for various driver profiles to help you understand how specific factors affect premium prices.
Cheapest Full Coverage Car Insurance in Kansas (October 2024)
You can get the most affordable full coverage car insurance in Kansas from these companies:
- American Family: $888 per year
- Auto-Owners Insurance Co: $939 per year
Meanwhile, Dairyland has the priciest full coverage policy in Kansas at around $2,687 annually.
Including comprehensive and collision coverage in your car insurance policy will increase your premium. For example, American Family's full coverage policy is $421 more expensive than its cheapest minimum coverage option.
Nonetheless, you get better protection from a full coverage policy as it extends to both on-road damage and off-road incidents. Thus, you’re protected from hit-and-run drivers, flooding, vandalism and other risks.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| American Family | $888 | $74 |
| Auto-Owners Insurance Co | $939 | $78 |
| Travelers | $977 | $81 |
| Nationwide | $1,105 | $92 |
| GEICO | $1,120 | $93 |
| Shelter | $1,129 | $94 |
| Farmers | $1,195 | $100 |
| State Farm | $1,361 | $113 |
| Farmers Union Insurance | $1,440 | $120 |
| Iowa Farm Bureau | $1,479 | $123 |
| Progressive | $1,514 | $126 |
| Allstate | $1,536 | $128 |
| Dairyland | $2,687 | $224 |
The amount of car insurance you need greatly impacts your premium. Our sample full coverage policy features the following liability protections:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
If you’re looking to save on your car insurance costs, you can choose a policy with lower liability limits, remove comprehensive and collision coverage or increase your deductible. However, all that may increase your out-of-pocket expenses in case of an accident.
How to Compare Cheap Kansas Car Insurance Quotes Online
Most car insurance providers offer quotes online. However, it may take around 15 minutes to go through the entire process for one provider, and comparing rates means going through the same process multiple times.
You can use MoneyGeek’s car insurance calculator to estimate your car insurance rates quickly without spending time keying your personal information to multiple providers. Our tool can help you find the cheapest car insurance that’s available for you.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
High
Average
Low
Rates updated:
Nov 20, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Cheapest Car Insurance in Kansas by Age (October 2024)
Nationwide offers the cheapest rates on average for teens, while American Family is the most affordable for young adults and seniors.
CHEAPEST CAR INSURANCE COMPANIES BY AGE
Cheapest for teens: Nationwide
Cheapest for young adults: American Family
Cheapest for seniors: American Family
Cheapest Car Insurance in Kansas for Teens and Their Families (October 2024)
If you’re insuring a teenager, MoneyGeek’s analysis shows that these companies offer the cheapest car insurance in Kansas:
- Nationwide: $1,108 per year for male teens and $1,030 per year for female teens
- Allstate: $2,203 per year for male teens; Travelers: $1,887 per year for female teens
Conversely, Auto-Owners has the priciest car insurance for young drivers. Its policies cost $3,029 for male teens and $2,642 for female teens.
In Kansas and the rest of the U.S., car insurance premiums for teens decrease with age. This trend leaves the state's 19-year-old drivers paying the most affordable car insurance rates among teens. In Kansas, the provider with the lowest rates for 19-year-old males is Nationwide ($1,006 per year).
On average, a teen policy is cheaper if included in a family plan. A 16-year-old teen driver in Kansas pays around $2,544 less if they are included in their parent's policy than if they pay for an individual plan.
Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
| Nationwide | $1,030 | $1,962 |
| Travelers | $1,887 | $3,566 |
| State Farm | $2,049 | $2,487 |
| Allstate | $2,115 | $7,272 |
| GEICO | $2,241 | $4,347 |
| Progressive | $2,318 | $5,673 |
| Farmers | $2,324 | $5,562 |
| Auto-Owners Insurance Co | $2,642 | $2,751 |
MONEYGEEK EXPERT TIP
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.
Families insuring young drivers may qualify for discounts that help bring down insurance costs. Nationwide, Allstate and Travelers all offer discounts for students with good grades. Additionally, Allstate and Travelers may reduce premiums if the insured young person attends a school at least 100 miles away.
Cheapest Car Insurance in Kansas for Young Adults (October 2024)
The most affordable car insurance companies in Kansas for drivers in their 20s are:
- American Family: $1,047 per year
- Travelers: $1,131 per year
Dairyland has the most expensive rates for the state's young adults, with an average rate of $3,309 per year.
Generally, drivers in their 20s deal with more expensive rates than their middle-aged counterparts. In Kansas, car insurance is approximately $290 more expensive for young adults.
Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
| American Family | $1,047 | $87 |
| Travelers | $1,131 | $94 |
| Auto-Owners Insurance Co | $1,219 | $102 |
| GEICO | $1,321 | $110 |
| Nationwide | $1,359 | $113 |
| Farmers | $1,439 | $120 |
| Allstate | $1,656 | $138 |
| Farmers Union Insurance | $1,662 | $139 |
| Shelter | $1,676 | $140 |
| State Farm | $1,682 | $140 |
| Iowa Farm Bureau | $1,773 | $148 |
| Progressive | $1,863 | $155 |
| Dairyland | $3,309 | $276 |
Cheapest Car Insurance in Kansas for Seniors (October 2024)
The following providers offer the cheapest car insurance in Kansas for senior drivers:
- American Family: $806 per year
- Auto-Owners Insurance Co: $892
Dairyland offers the priciest car insurance for seniors in Kansas, costing roughly $2,442 per year.
Senior drivers pay around $100 less for car insurance than middle-aged drivers. However, premium prices usually increase for drivers over the age of 70.
Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
| American Family | $806 | $67 |
| Auto-Owners Insurance Co | $892 | $74 |
| Travelers | $895 | $75 |
| Shelter | $942 | $79 |
| Nationwide | $1,021 | $85 |
| GEICO | $1,193 | $99 |
| Iowa Farm Bureau | $1,194 | $100 |
| State Farm | $1,215 | $101 |
| Farmers | $1,220 | $102 |
| Farmers Union Insurance | $1,266 | $106 |
| Progressive | $1,366 | $114 |
| Allstate | $1,621 | $135 |
| Dairyland | $2,442 | $203 |
You may qualify for a discount to reduce car insurance rates if you're a senior. Although Nationwide and State Farm don’t offer such a discount, you can compare them with insurance providers that have that discount to check which is the most affordable for you.
Cheapest Car Insurance for Higher Risk Drivers (October 2024)
In Kansas, American Family offers the most affordable car insurance for drivers with speeding tickets, a history of accidents and DUIs. It also offers the best rates for sports car owners and those with bad credit.
CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS
Cheapest after a ticket: American Family ($1,050 per year)
Cheapest after an accident: American Family ($888 per year)
Cheapest after a DUI: American Family ($1,050 per year)
Cheapest for poor credit: American Family ($1,533 per year)
Cheapest for sports cars: American Family ($838 per year)
Cheapest Car Insurance in Kansas After a Ticket
These companies offer the most affordable car insurance for drivers with a speeding ticket:
- American Family: $1,050 per year
- Travelers: $1,308 per year
Dairyland has the priciest car insurance if you have a speeding ticket at around $3,355 per year.
On average, car insurance premiums for Kansas drivers with speeding tickets are $331 pricier than for drivers with clean records.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| American Family | $1,050 | $88 |
| Travelers | $1,308 | $109 |
| Nationwide | $1,309 | $109 |
| GEICO | $1,329 | $111 |
| Auto-Owners Insurance Co | $1,376 | $115 |
| Shelter | $1,453 | $121 |
| State Farm | $1,492 | $124 |
| Farmers | $1,558 | $130 |
| Allstate | $1,717 | $143 |
| Iowa Farm Bureau | $1,847 | $154 |
| Progressive | $1,919 | $160 |
| Farmers Union Insurance | $1,956 | $163 |
| Dairyland | $3,355 | $280 |
Cheapest Car Insurance in Kansas After an Accident
If you have a history of at-fault accidents, you can get the most affordable car insurance in Kansas from these companies:
- American Family: $888 per year
- Auto-Owners Insurance Co: $1,112 per year
Meanwhile, Dairyland has the least affordable policies at around $3,762 per year.
Our calculation shows that having an at-fault accident on your record could result in a $614 increase in your insurance premiums.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| American Family | $888 | $74 |
| Auto-Owners Insurance Co | $1,112 | $93 |
| Travelers | $1,352 | $113 |
| State Farm | $1,592 | $133 |
| Nationwide | $1,697 | $141 |
| Farmers | $1,865 | $155 |
| GEICO | $1,958 | $163 |
| Allstate | $2,055 | $171 |
| Farmers Union Insurance | $2,140 | $178 |
| Iowa Farm Bureau | $2,165 | $180 |
| Progressive | $2,337 | $195 |
| Shelter | $2,430 | $202 |
| Dairyland | $3,762 | $313 |
Cheapest Car Insurance in Kansas After a DUI
The cheapest car insurance companies in Kansas for drivers with a DUI on their record are:
- American Family: $1,050 per year
- Travelers: $1,483 per year
Conversely, at approximately $3,644 per year, GEICO has the most expensive car insurance for Kansas drivers with DUIs.
MoneyGeek found that having a DUI can increase car insurance rates by around $868 per year.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| American Family | $1,050 | $88 |
| Travelers | $1,483 | $124 |
| State Farm | $1,492 | $124 |
| Progressive | $1,653 | $138 |
| Farmers | $1,683 | $140 |
| Allstate | $1,999 | $167 |
| Nationwide | $2,060 | $172 |
| Auto-Owners Insurance Co | $2,266 | $189 |
| Farmers Union Insurance | $2,414 | $201 |
| Shelter | $2,664 | $222 |
| Dairyland | $2,738 | $228 |
| Iowa Farm Bureau | $3,509 | $292 |
| GEICO | $3,644 | $304 |
Cheapest Car Insurance in Kansas for Drivers With Poor Credit (October 2024)
In Kansas, drivers with poor credit can find the cheapest auto insurance from:
- American Family: $1,533 per year
- Travelers: $1,571 per year
Meanwhile, Dairyland's $3,665 per year premium is the most expensive for drivers with poor credit.
On average, you may pay about $1,059 more for your car insurance in Kansas if you have poor credit than someone with an above-750 credit score.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| American Family | $1,533 | $128 |
| Travelers | $1,571 | $131 |
| Nationwide | $1,625 | $135 |
| GEICO | $1,808 | $151 |
| Farmers | $1,956 | $163 |
| Shelter | $2,109 | $176 |
| Allstate | $2,354 | $196 |
| Progressive | $2,596 | $216 |
| Farmers Union Insurance | $2,790 | $233 |
| Iowa Farm Bureau | $2,797 | $233 |
| Auto-Owners Insurance Co | $2,864 | $239 |
| State Farm | $3,464 | $289 |
| Dairyland | $3,665 | $305 |
Insurance companies found that drivers with lower credit scores are more likely to file insurance claims. Thus, insurers charge higher premiums if you have poor credit. Although this practice is illegal in some states, it’s legal in Kansas.
If you’re dealing with a poor credit score, improving your credit may reduce your insurance premiums over time. Meanwhile, you can save money in the short term by shopping around and taking advantage of common discounts.
Cheapest Car Insurance in Kansas for Sports Cars (October 2024)
In Kansas, the most affordable car insurance providers for drivers with sports cars are:
- American Family: $838 per year
- Travelers: $961 per year
At roughly $2,836 per year, Dairyland offers the priciest auto insurance for sports car drivers in Kansas.
Car insurance is more expensive if you drive a sports car. The average Toyota Camry driver pays $112 more than a Ford Mustang driver annually.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| American Family | $838 | $70 |
| Travelers | $961 | $80 |
| Auto-Owners Insurance Co | $984 | $82 |
| Farmers | $1,116 | $93 |
| Nationwide | $1,251 | $104 |
| GEICO | $1,427 | $119 |
| State Farm | $1,580 | $132 |
| Allstate | $1,611 | $134 |
| Progressive | $1,878 | $157 |
| Dairyland | $2,836 | $236 |
MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. It is generally more expensive to insure sports, electric and luxury cars; otherwise, model may not be a significant factor. However, this may not be true for all states.
Cheapest Car Insurance in Kansas for Military Drivers (October 2024)
For those with a military background, USAA offers the cheapest full coverage insurance policy in Kansas, with an annual premium of approximately $725. It is committed to providing special coverage benefits and discounts for military personnel.
USAA
- Annual premium of $725
- Ranked first out of 14 insurance companies
USAA offers a military discount, providing extra savings to honor military personnel and their families.
Cheapest Car Insurance in Kansas by City
Your car insurance costs may significantly change depending on your location in Kansas.
Neighborhood-specific factors like the incidence of theft, vandalism and accidents affect the likelihood of insurance claim filings. Thus, you’ll pay more for car insurance if you live in a high-risk area.
Olathe is the cheapest city in the state to get car insurance. An Auto-Owners Insurance Co policy is the most affordable in the city, costing approximately $921 per year. Meanwhile, you’ll pay around $1,001 to insure your vehicle with the same policy in Wichita.
We listed the cheapest car insurance for various Kansas cities in the table below.
| Kansas City | Travelers | $1,021 |
| Olathe | Auto-Owners Insurance Co | $921 |
| Overland Park | Auto-Owners Insurance Co | $960 |
| Topeka | Auto-Owners Insurance Co | $954 |
| Wichita | Auto-Owners Insurance Co | $1,001 |
Car Insurance in Kansas: What You Need to Know
Like most states, Kansas requires you to buy bodily injury liability and property damage liability. However, it also requires you to get personal injury protection and uninsured/underinsured motorist coverage, which aren’t required by most states.
Kansas Car Insurance Requirements
In Kansas, you’re required to get the state’s minimum required insurance. This includes liability coverage, personal injury protection and uninsured/underinsured motorist coverage.
A minimum coverage policy is cheaper but offers less protection in case of an accident. The ideal insurance coverage may vary depending on your needs and situation, but it’s generally a good idea to get as much liability coverage as you can afford.
Additionally, if you’ve been involved in repeated or severe driving violations, you may be required to increase your buying coverage.
- $4,500 for medical expenditures per person
- $900 per month for one year for disability/income loss
- $25 per day for in-home services
- $2,000 for funeral expenses per person
- $4,500 in rehabilitation expenses per person
Bodily Injury Liability
In Kansas, you’re required to get a minimum of $25,000 per person and $50,000 per accident of bodily injury liability coverage. This coverage pays for your expenses if you’ve been found guilty of causing injury to another person. If hospital costs exceed your insurance limits, you’ll be required to pay out of pocket.
Property Damage Liability
Property liability pays for damages that you caused to another person’s property. Kansas requires you to get coverage for at least $25,000 per accident. However, you’ll pay the remainder by yourself if the expenses go beyond that amount.
Personal Injury Protection
Kansas drivers are required to get personal injury protection (PIP). This insurance pays for a portion of wage loss, medical expenses and other expenses to an eligible injured party (such as a passenger or a pedestrian). The minimum PIP coverage in Kansas includes:
Uninsured/Underinsured Motorist Coverage
In Kansas, you’re required to get uninsured and underinsured motorist coverage with at least $25,000 per person and $50,000 per accident. This protects your assets in case the at-fault party doesn’t have insurance or is underinsured. Note that you won’t get reimbursed for damages exceeding the limit you buy.
MoneyGeek suggests that you get these limits for your car insurance:
- $100,000 in bodily injury liability per person and $300,000 per accident
- $100,000 in property damage insurance per accident
If you’ve secured financing to purchase your vehicle, you may be required to get comprehensive and collision coverage on top of the state’s minimum insurance.
Comprehensive coverage pays for repairing or replacing your car after a covered off-road accident. This may include damages from theft, vandalism or weather-related events.
Collision insurance takes care of your expenses if an accident with another vehicle or an object causes damage to your car.
If you’re driving a high-value car, we recommend getting comprehensive and collision insurance even though you’re not required to get them. Such protections may save you tens of thousands in case of an accident.
Car Insurance Alternatives in Kansas
There are no car insurance alternatives in Kansas. Nonetheless, if three insurance providers have declined your application, the Kansas Automobile Insurance Plan (KAIP) can help you get auto insurance.
KAIP is the state’s residual market for drivers unable to get coverage through traditional insurance markets. It offers insurance for all types of vehicles and drivers, including high-risk motorists. You can contact KAIP at 1-785-273-6300. However, since KAIP only accepts applications from licensed insurance agents, we recommend contacting an agent first.
FAQ About Car Insurance in Kansas
When shopping for car insurance, it’s common to have questions about affordability and quality. That’s why MoneyGeek responded to some frequently asked questions to help you learn more about car insurance in Kansas.
Which company offers the cheapest car insurance in Kansas?
Auto-Owners offers the cheapest car insurance in Kansas overall at $337 per year. However, the most affordable policy for you may differ based on your profile. We found that American Family has the cheapest auto insurance for drivers with DUIs and accidents on their records as well as those with sports cars. Meanwhile, the average cost of car insurance in Kansas is $1,335.
Should you buy the cheapest car insurance available in Kansas?
Auto-Owners’ minimum coverage policy is the cheapest car insurance in Kansas. It may work for you if you value affordability over other factors. Auto-Owners also offers the overall best car insurance in Kansas due to its balance of affordability and customer service.
Loading...
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.