In Kansas, Auto-Owners provides the cheapest minimum coverage for low-income adults, seniors and drivers with an accident. Travelers is best for young drivers, those with a speeding ticket or bad credit. Progressive offers the lowest rates for drivers with a DUI.
Cheapest Low-Income Car Insurance in Kansas
Updated: February 5, 2025
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Key Takeaways
Kansas doesn't have a low-income car insurance program, but affordable plans are available to meet state minimum coverage requirements.
The most affordable options for low-income drivers include Auto-Owners, Travelers, Progressive and Nationwide.
Low-income drivers can save on insurance by comparing providers and exploring discounts.
Cheapest Car Insurance Companies for Low-Income Drivers in Kansas
| Travelers | Young Drivers | $36 |
| Auto-Owners | Adults | $30 |
| Auto-Owners | Seniors | $32 |
| Travelers | Drivers With a Speeding Ticket | $42 |
| Progressive | Drivers With a DUI | $41 |
| Auto-Owners | Drivers With an Accident | $36 |
| Travelers | Bad Credit | $55 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find the most affordable insurance provider for your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Auto-Owners | $30 | $361 |
| Travelers | $33 | $399 |
| GEICO | $36 | $431 |
| American Family | $39 | $467 |
| State Farm | $40 | $475 |
Cheapest Car Insurance for Families With Low Income in Kansas
Nationwide offers the most affordable car insurance for low-income families in Kansas. Monthly rates start at $30 for married couples with a teen, $66 for single parents with a teen and $21 for adding a spouse without a teen.
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Family Type:Married Couple with Teen
| Nationwide | $364 | $30 |
| Travelers | $703 | $59 |
| State Farm | $734 | $61 |
| Auto-Owners | $764 | $64 |
| Progressive | $773 | $64 |
| GEICO | $835 | $70 |
| Farmers | $932 | $78 |
| Allstate | $1,018 | $85 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some tips to lower auto insurance premiums in Kansas:
- 1
Choose minimum coverage
Minimum coverage is the cheapest way to meet legal auto insurance requirements but offers limited protection and may not cover all costs in an at-fault accident.
- 2
Compare quotes
Explore quotes from multiple insurers to find the most affordable option. Use insurer websites, independent brokers, agent contacts and online comparison tools for a thorough analysis.
- 3
Look for discounts
Insurance providers offer discounts for good grades, safe driving and military service. You can also lower premiums by completing an online defensive driving course.
- 4
Increase your deductible
Raising your deductible on collision or comprehensive coverage can result in lower monthly premiums. Ensure you can afford it if you need to file a claim.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance offers a low base rate and a per-mile fee for drivers with low mileage, so you pay only for the miles driven.
- 6
Bundle your policies
Bundling auto insurance with your home or renters policy can lead to substantial savings.
- 7
Get a cheaper car
Your car type greatly impacts insurance rates. Choosing a cheaper car to insure, like an older, reliable model, can save you hundreds annually.
Minimum Car Insurance Requirements in Kansas
Kansas residents must meet these minimum car insurance requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 for property damage per accident
If you're leasing or financing a vehicle, you need a 100/300/100 liability coverage split along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance covers the other driver's costs in a crash you cause but doesn’t pay for your car repairs or legal bills. If you drive often and can afford it, consider higher coverage for better protection.
Cheap Low-Income Car Insurance in Kansas: Bottom Line
Auto-Owners offers the cheapest car insurance for most low-income drivers in Kansas. High-risk drivers can find the best rates with Travelers for speeding tickets, Progressive for DUIs and Auto-Owners for accidents. Explore providers through different channels to secure the best deal.
Low-Income Auto Insurance in Kansas: FAQ
Low-income drivers in Kansas face challenges finding affordable car insurance. Here are answers to common questions on saving money.
What is the cheapest car insurance for low-income drivers in Kansas?
Minimum coverage is often the most affordable option for low-income drivers, though it may be insufficient for leased or financed vehicles. Auto-Owners offers Kansas' most affordable minimum coverage at $30 monthly, while American Family is the cheapest for full coverage at $74.
Does Kansas have a state-supported low-income car insurance program?
Kansas has no state-supported program to help low-income drivers afford auto insurance.
Does your income affect the cost of car insurance in Kansas?
In Kansas, income doesn’t directly affect car insurance costs. Factors like your driving record and vehicle model are more important.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek examined Kansas auto insurance rates using data from the Kansas Department of Insurance and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Kansas.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Kansas:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which follows the requirements set by Kansas law, and offers affordable options for low-income drivers.
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.