In a Nutshell
The average cost of car insurance in Kansas varies based on individual circumstances, such as credit, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for basic coverage in the Sunflower State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
You may not be driving your car on the Kansas Speedway, but you should still protect your ride.
We looked at estimated car insurance rates from insurance companies around Kansas to calculate the average cost and find the insurers offering the cheapest estimated rates on minimum car insurance for several driver needs and profiles.
We based our calculations on a relatively neutral driver profile — no accidents, tickets or claims, for example — to evenly compare and get a baseline view of insurers’ rates (see our full methodology). The rates you get may be higher or lower given your driving history and other factors that affect car insurance, like vehicle type, age, mileage and coverage options.
Read on to learn about Kansas’ average car insurance rates and our findings for the cheapest options on basic coverage.
- Cost of car insurance in Kansas
- 5 cheapest car insurance companies in Kansas
- Cheapest full-coverage car insurance in Kansas
- Cheapest state-minimum car insurance in Kansas
- Cheapest car insurance for good credit in Kansas
- Cheapest car insurance for poor credit in Kansas
- Cheapest car insurance for drivers with multiple claims in Kansas
- Cheapest car insurance for young drivers in Kansas
- Kansas auto insurance requirements
- Is usage-based insurance available in Kansas?
- FAQs about cheapest car insurance in Kansas
- Methodology
Cost of car insurance in Kansas
Average monthly auto insurance premiums in Kansas
| Driver or coverage | Avg. monthly cost |
|---|---|
| Full-coverage car insurance in Kansas | $197.58 |
| State-minimum car insurance in Kansas | $44.19 |
| Drivers with poor credit in Kansas | $73.11 |
| Drivers with multiple claims in Kansas | $92.28 |
| Young drivers in Kansas | $70.17 |
5 cheapest car insurance companies in Kansas
Geico offered the cheapest car insurance for several driver profiles and needs. Remember that we’ve calculated the rates below based on a specific driver profile, as detailed in our methodology, so your rates could differ.
Unless otherwise noted, our Kansas driver profile includes a 680 to 719 credit score, no tickets or coverage gaps, an age between 36 and 45, and a car worth $20,000 to $30,000.
1. Geico
With Geico, our Kansas driver profile could see basic coverage at about $21.72 per month for car insurance. Geico offers a range of standard coverage options, including liability, and add-ons such as medical, uninsured motorist, collision and comprehensive coverages. It also offers a long list of discount opportunities. Drivers can save money by having certain vehicle equipment, maintaining a history of safe driving habits, meeting certain driver education benchmarks, having specific affiliations and being loyal customers.
Read reviews of Geico.2. USAA
USAA could offer our Kansas driver profile a policy on basic coverage for as little as $27.72 per month. USAA car insurance is available to USAA members who are U.S. military members and their families. Drivers may be able to save money by taking advantage of discounts for bundling their policies, setting up automatic payments, garaging their car on a military base or signing up for USAA’s SafePilot® program where available.
Check out reviews of USAA car insurance.3. Auto-Owners Insurance
With Auto-Owners Insurance, our Kansas driver profile could find a monthly policy for as low as $29.13 on basic coverage. Additional coverage offered includes collision, comprehensive, bodily injury and property damage, underinsured/uninsured motorist, medical payments and gap coverage, diminished value protection and roadside assistance. Auto-Owners also offers several discount opportunities, including multipolicy and multivehicle discounts, student discounts, safety feature discounts and discounts for paying your premium in full.
Check out reviews of Auto-Owners car insurance.4. Nationwide
Nationwide could offer our Kansas driver profile minimum car insurance for as little as $34.42 a month. On top of basic coverage, Nationwide offers a wide array of add-on coverages like property damage, personal injury protection, medical payments and uninsured/underinsured motorist coverages. Collision, comprehensive, gap, rental car expense, and towing and labor coverages are also available. Special coverage options include accident forgiveness, roadside assistance, vanishing deductible and a total loss deductible waiver.
Check out reviews of Nationwide car insurance.5. State Farm
Finally, our Kansas driver could find car insurance through State Farm for about $34.50 per month for a basic coverage policy. State Farm offers additional coverage options, including collision, comprehensive, uninsured/underinsured motorist, medical payments, rental insurance, rideshare and emergency road service coverages. State Farm also offers various discount options, with several aimed at younger drivers.
Check out reviews of State Farm car insurance.Cheapest full-coverage car insurance in Kansas
Full coverage includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Kansas mandates a minimum 25/50/25 auto insurance policy, which is not considered full coverage. However, your lender may require full coverage if you are financing your car.
The following companies have the lowest estimated rates for drivers interested in full-coverage insurance.
5 cheapest full-coverage car insurance companies in Kansas
| 1 | Auto-Owners Insurance | $97.38/month |
| 2 | American Family | $105.40/month |
| 3 | USAA | $125.18/month |
| 4 | Farm Bureau Mutual (IA Group) | $127.46/month |
| 5 | Nationwide | $152.42/month |
Cheapest state-minimum car insurance in Kansas
Many times, state-minimum insurance is the least expensive coverage you can buy, and it may be appropriate for older cars or drivers looking to pay the cheapest premium. The companies below have the lowest estimated rates for drivers interested in state-minimum coverage only.
5 cheapest car insurance companies in Kansas for state-minimum coverage
| 1 | Geico | $21.72/month |
| 2 | USAA | $27.72/month |
| 3 | Auto-Owners Insurance | $29.13/month |
| 4 | Nationwide | $34.42/month |
| 5 | State Farm | $34.50/month |
Cheapest car insurance for good credit in Kansas
In general, drivers with good credit pay less for car insurance than drivers with the same coverage options who are considered to have poor credit. Here are the five cheapest car insurance companies for Kansas drivers with good credit.
5 cheapest car insurance companies in Kansas for those with good credit
| 1 | Geico | $19.42/month |
| 2 | Auto-Owners Insurance Co | $23.35/month |
| 3 | USAA | $24.43/month |
| 4 | State Farm | $25.26/month |
| 5 | Nationwide | $28.81/month |
Cheapest car insurance for poor credit in Kansas
Likewise, drivers with poor credit may find themselves paying more for car insurance. However, credit is just one factor that determines your premium. For example, you can keep rates lower by maintaining a record of safe driving. The companies below may offer the lowest rates in Kansas for drivers with a lower credit score.
5 cheapest car insurance companies in Kansas for those with poor credit
| 1 | Geico | $26.44/month |
| 2 | Nationwide | $48.98/month |
| 3 | USAA | $51.42/month |
| 4 | Auto-Owners Insurance | $59.02/month |
| 5 | Shelter | $59.75/month |
Based on our standard driver profile, adjusted to display rates for a Kansas driver with a credit score below 580
Cheapest car insurance for drivers with multiple claims in Kansas
Your claims history can also determine how much you pay for car insurance, with drivers with multiple claims paying more than drivers with clean records or just one or two claims. The five companies below have the lowest estimated rates for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Kansas for multiple claims
| 1 | Geico | $44.33/month |
| 2 | Auto-Owners Insurance | $55.46/month |
| 3 | State Farm | $56.33/month |
| 4 | USAA | $68.90/month |
| 5 | Nationwide | $69.46/month |
Cheapest car insurance for young drivers in Kansas
Finally, younger drivers may find their insurance premiums higher than drivers with comparable coverages who are older. Over time, as you drive and maintain a clean record, your rates should go down. These companies have the lowest estimated rates for young drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Kansas for young drivers
| 1 | Westfield | $38.13/month |
| 2 | Auto-Owners Insurance | $44.63/month |
| 3 | Geico | $48.13/month |
| 4 | Tennessee Farmers | $48.17/month |
| 5 | State Farm | $52.58/month |
Kansas auto insurance requirements
Kansas requires $25,000 per person and up to $50,000 per accident for bodily injury liability and uninsured motorist coverage. It also requires drivers to carry $25,000 of property damage liability and personal injury protection. If you have a car loan or lease, your coverage responsibilities will likely be more extensive.
Is usage-based insurance available in Kansas?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Kansas drivers may be able to save money on their car insurance by participating in their insurers’ UBI programs.
FAQs about the cheapest car insurance rates in Kansas
Kansas requires $25,000 per person and up to $50,000 per accident for bodily injury liability and uninsured motorist coverage. It also requires drivers to carry $25,000 of property damage liability and personal injury protection. If you have a car loan or lease, your coverage responsibilities will likely be more extensive.
Driving without insurance in Kansas could land you a fine between $300 and $1,000, up to six months in jail, or both. A second conviction within three years could carry a fine of between $800 and $2,500.
Kansas is a no-fault state, which means each driver’s insurance covers their damages in the event of an accident.
Methodology
The estimated rates in this article are the lowest based on the profile of a driver age 36 to 45 living in Kansas. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on factors such as age, vehicle driving habits, and history.
The average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Kansas-mandated 25/50/25 no-fault insurance policy.