Cheapest Car Insurance for Low-Income Drivers in Kansas (2024)

The cheapest car insurance for individual drivers with low-income and poor credit history in Kansas is Travelers at $57 per month. For families with low-income, the most affordable provider is Nationwide at $30 per month.

Kansas does not offer state-backed car insurance programs for low-income families and individuals. Looking for the provider with the most affordable rate is one of their options to manage the cost, and there are also ways to get discounts to help alleviate the cost of car insurance.

While minimum coverage will help them drive legally, there are downsides to getting this type of coverage. For example, it does not cover damages in an at-fault accident.

Car insurance companies in Kansas do not consider income when calculating your rates. Instead, they look at factors like age, driving record, credit history, and type of car. At-fault accidents and moving violations will increase your rates. To find the cheapest rates, it's best to compare quotes from several insurance companies.

If your budget is tight, a basic minimum coverage policy is often the cheapest way to stay legal on the road. For drivers who rarely drive, pay-per-mile insurance can be the best option to save money. MoneyGeek rounded up the cheapest insurers for low-income drivers in Kansas to help you save.

To legally operate a vehicle in Kansas, securing car insurance that satisfies the state's minimum car insurance requirements is mandatory. Your policy should include at least the following coverages:

• $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

Personal Injury Protection (PIP) in Kansas also provides comprehensive benefits such as medical expenses, disability or loss of income coverage, in-home services, and funeral expenses.

When considering your insurance policy, note that a liability-only car insurance policy covers expenses for the other driver if you're at fault in an accident, but it doesn't cover your own vehicle's damages. To protect your own vehicle, you'll need a full coverage car insurance policy, which includes collision and comprehensive coverages. These coverages safeguard against a range of incidents, including theft, vandalism, and natural disasters.

For instance, if you reside in an area of Kansas prone to severe weather, opting for full coverage could provide peace of mind against the financial impact of storm damage. Assessing the risks and benefits of each coverage type is vital to determine the most suitable policy for your needs.

Credit history is crucial for drivers with low income as it can significantly affect car insurance premiums in Kansas. Poor credit records can signal higher risk to insurers, leading to higher premiums. Maintaining a good credit history can help in securing lower insurance rates.

The cheapest car insurance companies for drivers with low-income and poor credit record in Kansas are:

• Travelers: $687 per year, $57 per month
• Progressive: $764 per year, $64 per month

Drivers with good insurance credit, you can get the cheapest car insurance in Kansas from:

• Auto-Owners: $337 per year, $28 per month
• Iowa Farm Bureau: $414 per year, $35 per month

It is essential to get at least state minimum coverage, as driving without insurance in Kansas is illegal. Penalties for driving without insurance include license suspension, vehicle registration suspension, and fines ranging from $175 to $1,000.

While your income doesn't directly affect car insurance rates, the structure of your household does. In Kansas, a single parent with a teen faces an annual premium of $793, whereas married couples with a teen can secure coverage for just $364 annually—a notable difference of $429 per year.

The most affordable car insurance companies for a married couple with a teen in Kansas are:

• Nationwide: $364 per year; $30 per month
• Travelers: $703 per year; $59 per month

For a single parent with a teen, the cheapest options are:

• Nationwide: $793 per year; $66 per month
• State Farm: $1,042 per year; $87 per month

Single parents in Kansas typically pay more for car insurance compared to married couples with a teen. This difference reflects the risk assessment insurers apply based on family structure. Keeping a solid credit score is key to landing these more affordable rates.

Car insurance premiums generally decrease as you reach early senior years (around age 55 to 65), especially if you have a clean driving record.

The two cheapest car insurance for senior drivers with low income and poor credit history are:

• Shelter: $55 per month, $665 per year
• Iowa Farm Bureau: $56 per month, $673 per year

After age 70, car insurance rates typically increase as older drivers are statistically considered higher risk. This trend continues each year, meaning premiums generally rise as seniors age. In Kansas, there are specific guidelines for seniors getting car insurance, ensuring they meet certain criteria.

Car insurance rates in Kansas are influenced by various factors. While your income doesn't directly affect rates, it can impact your credit score. A poor credit score can lead to higher rates, whereas a good score can help you get lower rates.

Understanding the factors that contribute to car insurance rates in Kansas can help you make informed decisions in choosing the best car insurance for you.

You don't need a state-sponsored program to cut costs — finding affordable car insurance in Kansas is possible with the right strategies. Here are some tips to lower your premiums:

Finding affordable car insurance in Kansas can be tough for drivers with low incomes. Here are answers to some of your most common questions on how to save.