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Kansas — also known as the Sunflower State — is often celebrated for its award-winning barbeque, but it’s pretty average when it comes to car insurance. Statewide, car insurance averages $124 per month — just a few dollars less than the national average — firmly planting it as the 28th-cheapest state in the U.S. for car insurance.
Fortunately, Kansas drivers might find a good deal with several insurers like GEICO and State Farm — these companies offer average monthly rates below $100.
If you’re shopping around for cheap car insurance in Kansas, this guide will help you find the most affordable coverage without compromising on protection.
- GEICO and State Farm offer the cheapest auto insurance rates for most Kansas drivers.
- Salina and Lawrence are the cheapest cities in Kansas for car insurance, with average monthly rates below $60.
- Kansas is a no-fault car insurance state, so drivers must purchase personal injury protection (PIP) and uninsured/underinsured motorist coverage.
In This Article:
Kansas’s Cheapest Car Insurance Companies
While statewide average auto insurance rates are $124 per month, there are ways to trim your car insurance costs even more.
To help you navigate the car insurance market efficiently, we’ve compiled a list of the five companies offering the cheapest monthly premiums in Kansas, according to Compare.com data.
GEICO is the clear frontrunner, offering monthly premiums that are nearly $20 cheaper, on average, than its closest competitor, State Farm. So, how is GEICO able to provide such cost-effective coverage?
One factor contributing to GEICO’s affordability is its direct-to-consumer business model. By bypassing the traditional agent-based sales approach, GEICO can cut down on commission costs, which translates to more competitive rates for policyholders.
It’s important to note that while GEICO may be the cheapest option for some drivers, the best insurance company for you depends on your unique circumstances. Factors like your driving record, age, and coverage needs affect your rates. Throughout the rest of this article, we’ll look at those rating factors in more detail.
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How we chose the cheapest companies in Kansas
Our team analyzed thousands of rates from dozens of the top insurance companies in Kansas. Using that data, we listed the five cheapest options for Kansas drivers based on several key factors, such as age, coverage level, driving history, and more. All the rates listed are based on someone who drives a 2016 Honda Accord and has the minimum limits for coverage in Kansas. The listed “full-coverage” rates include $500 deductibles for collision and comprehensive coverages in addition to state-minimum liability coverage.
The Average Cost of Kansas Car Insurance
Kansas drivers pay an average car insurance rate of $124 per month. This rate is slightly more budget-friendly than the national average of $129 per month.
To see how Kansas stacks up, the table below compares the state’s average rates to its neighbors and the rest of the U.S.
|State||Average Rates||State Rank|
Kansas drivers benefit from average monthly rates that are a little lower than the national average but also more favorable than the neighboring states of Colorado and Missouri.
But Kansas isn’t the cheapest in the region — drivers in Nebraska and Oklahoma pay $12 and $29 less per month on average.
Factors like population density, crime rates, weather, and insurance laws can affect rates from state to state and even city to city.
Next, we’ll look at the cheapest states for state-minimum and full-coverage insurance.
Cheapest Car Insurance Rates for State-Minimum Insurance: GEICO
Your insurance coverage choices play a big part in determining your auto insurance rates. For people seeking the most budget-friendly option, liability-only coverage at the state-minimum limits may be the way to go.
This type of policy meets the state’s legal requirements but doesn’t provide coverage beyond the state-mandated minimums.
The table below highlights the top five car insurance companies for state-minimum insurance in Kansas.
GEICO leads the pack as the cheapest company with average rates of just $27 per month. Auto-Owners and State Farm tie for the second-cheapest for state-minimum insurance coverage, with average monthly rates $12 more per month than GEICO.
As mentioned earlier, GEICO’s cost-effective premiums can be attributed, at least partially, to its direct-to-consumer model, allowing the company to provide competitive rates even for basic liability coverage.
In the next section, we’ll look at where to find the cheapest full-coverage insurance.
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Cheapest Car Insurance Rates for Full-Coverage Insurance: GEICO
Full-coverage car insurance provides a wider range of protection than liability-only coverage. It offers bodily injury and property damage liability coverage but also provides comprehensive and collision insurance.
These additional coverages pay to repair or replace your vehicle after an accident or due to non-collision events, such as theft, vandalism, and weather-related damage. Full-coverage auto insurance costs more than liability-only policies but provides greater financial protection.
The companies in the table below have the most affordable monthly premiums for full coverage in Kansas, according to Compare.com data.
GEICO stands out again as the most affordable insurer, offering an average full-coverage rate that’s $25 less per month than State Farm — the second-cheapest insurer.
Progressive’s and Travelers’ rates are pretty close, so it’s important to get multiple quotes to ensure you’re getting the best rate.
Compare Kansas Auto Insurance Rates by Age
Age is an incredibly influential factor in car insurance rates. Insurance companies use age to predict a driver’s experience level and risk.
Mature drivers tend to have fewer accidents than less experienced drivers, so insurance companies charge more when the policy covers someone younger than 25, according to the Insurance Information Institute.
Next, we’ll look at some of Kansas’ cheapest car insurance options for various age brackets. Whether you’re a young driver just starting out or a seasoned driver with years of experience, finding an auto insurer that caters to your needs is possible.
Cheapest car insurance for Kansas teens: GEICO
Teen drivers are usually excited to get the freedom that comes with being able to drive but face a harsh reality when it comes to car insurance — they’re by far the most expensive drivers to insure.
Auto insurance is more expensive for teens because of their limited driving experience and higher likelihood of engaging in risky behaviors behind the wheel. However, rates typically drop as drivers gain more experience, usually around age 25.
The table below shows the cheapest car insurance companies for Kansas teens, based on 18-year-old drivers, and sorted by liability rates.
|Company||Liability Only||Full Coverage|
|National Farmers Union||$129||$369|
GEICO is the cheapest insurance company for both liability-only and full coverage by a good margin. The company’s competitive rates can significantly ease the financial burden of insuring a young driver.
On the other hand, senior drivers have some of the lowest insurance rates. We’ll look at which insurers offer the most affordable coverage for seniors.
Cheapest car insurance for Kansas seniors: GEICO
As drivers approach retirement age, they often pay some of the cheapest auto insurance rates available due to their years of driving experience and maturity.
To help seniors in Kansas make the most of their favorable insurance rates, the table below shows some of the state’s cheapest car insurance companies for 65-year-old drivers.
|Company||Liability Only||Full Coverage|
GEICO continues to shine as the most affordable option for both liability-only and full-coverage car insurance for seniors in Kansas. Seniors pay $30 and $87 per month (depending on coverage level) with the insurer.
Interestingly, while Allstate is competitive for liability-only coverage, its full-coverage policy rates — $137 higher than GEICO — are notably higher than the other companies on the list. So, senior drivers looking for full coverage should consider shopping elsewhere to compare costs.
Compare Kansas Auto Insurance Rates by Driving Record
Your driving record is another pivotal factor in car insurance rates. Insurance companies rely heavily on your past driving history as an indicator of your level of risk on the road.
Whether you have a clean record or one with accidents and violations, we’ll explore the insurance companies offering the cheapest rates for different driving records and how different driving records influence your rates.
Cheapest car insurance for good drivers in Kansas: GEICO
When shopping around for car insurance, good drivers — those with a driving record free of accidents or tickets — have an advantage. Insurance companies reward these drivers with the lowest rates because they represent a lower risk on the road.
The following table shows the insurance companies offering the cheapest car insurance rates for Kansas drivers with no accidents or tickets on their record.
|Company||Liability Only||Full Coverage|
Once again, GEICO is a top choice for drivers with a clean record, offering the most budget-friendly options for both liability-only and full-coverage policies. But while Allstate remains competitive for liability-only coverage, its full-coverage rates are much higher than the rest of the companies on the list.
Next, we’ll look at how rates are affected for drivers with a speeding ticket.
Cheapest car insurance in Kansas after a ticket: GEICO
Getting a traffic ticket can cause your auto insurance rates to climb. On average, just one speeding ticket can lead to an increase of approximately 37% in your insurance premiums, according to Compare.com data.
The table below shows five insurance companies offering the most affordable rates for Kansas drivers with one speeding ticket on their record.
|Company||Liability Only||Full Coverage|
GEICO remains the leader in this category, with average rates as low as $33 per month. But it’s worth noting that State Farm comes in as a close second, making it a strong choice for drivers shopping around with multiple insurance companies.
Next, we’ll look at how car accidents impact insurance rates.
Cheapest car insurance in Kansas after an accident: Auto-Owners
Being involved in an at-fault accident can be a significant financial setback because it usually results in higher insurance rates. On average, just one at-fault accident can lead to an increase of approximately 44% in your car insurance premiums, based on Compare.com data.
The following table shows the insurance companies offering the most affordable rates for Kansas drivers with one at-fault accident, sorted by liability rates.
|Company||Liability Only||Full Coverage|
Auto-Owners takes the lead as the most affordable option for liability-only coverage after an accident, with average rates starting at $39 per month for liability coverage. But State Farm is the cheapest option for full coverage at $120 per month.
Allstate’s full-coverage rate is more than double Auto-Owners’, but this shows how important it is to shop around and compare quotes to find the best rates for your unique circumstances.
Now, we’ll look at the challenges drivers face with a DUI.
Cheapest car insurance in Kansas after a DUI: Progressive
Driving under the influence (DUI) can have a significant effect on your auto insurance. On average, a single DUI can lead to an increase of approximately 94% in your car insurance premiums, according to Compare.com data.
In Kansas, a DUI has serious consequences beyond your car insurance costs. If you’re convicted of a DUI, you can go to jail, have your vehicle towed, lose your driver’s license, face criminal charges, and be required to undergo an intervention program.
But that doesn’t mean you’re stuck with high rates. Finding the right company is key to avoiding major rate hikes.
The following table shows the insurance companies offering the cheapest car insurance for drivers in Kansas with one DUI on their record.
|Company||Liability Only||Full Coverage|
Progressive and State Farm are neck and neck in this category, with Progressive taking the lead on liability-only coverage and State Farm winning in the full-coverage category.
Notably, Allstate’s full-coverage premiums jump significantly after a DUI, making it a costly option for drivers in this situation.
The Cheapest Cities for Car Insurance in Kansas
Auto insurance rates can vary significantly based on where you live. Some location-specific factors that can influence your rates include population density, traffic congestion, crime rates, and the frequency of accidents in the area.
Urban areas tend to have higher rates due to more vehicles on the road, while rural areas typically have lower rates due to lower rates of accidents and theft.
The following table shows the average monthly premiums for several cities in Kansas.
Salina and Lawrence stand out as the cities with the cheapest rates, while Overland Park and Wichita have the most expensive rates. These differences make sense, as Wichita and Overland are larger urban areas with higher population densities.
5 Ways to Get Cheap Car Insurance in Kansas
Here are five tips to help you get cheaper car insurance in Kansas.
- Maintain a clean driving record. Keep your driving record clean and avoid accidents, speeding tickets, and other moving violations. Insurance companies reward safe drivers with lower premiums.
- Bundle your policies. Consider bundling your auto insurance with other policies, such as your homeowners or renters insurance. Many insurance companies offer discounts when you have multiple policies with the same company.
- Raise your deductible. Opting for a higher deductible means you’ll pay more out of pocket if you have a claim, which can result in lower premiums.
- Maintain good credit. Most states, including Kansas, allow car insurance companies to look at your credit history when underwriting car insurance policies. Jeffrey L. Brewer, vice president of public affairs at the American Property Casualty Insurance Association, says, “Studies show that most consumers receive a discount in the price of their insurance when credit information is considered. This is because the ability to accurately assess risk means lower-risk policyholders will not have to subsidize the cost of insurance for higher-risk policyholders.” Maintaining a good credit score can help you get a better deal.
- Shop regularly and compare quotes. Review your insurance policies at least annually and shop around for competitive quotes. Insurance rates can change over time, so regularly comparing quotes ensures you get the best deal.
Speaking of shopping for insurance, let’s delve into the specific auto insurance requirements in Kansas to ensure you have the right coverage to meet your legal obligations and protect yourself on the road.
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Kansas Auto Insurance Requirements
Like other states, Kansas has auto insurance requirements all drivers must meet to legally operate a vehicle in the state.
- Bodily injury liability limits of $25,000 per person and $50,000 per accident
- Property damage liability limits of $25,000 per accident
Personal injury protection (PIP):
- Medical expenses of $4,500 per person
- Disability/loss of income of $900 per month
- In-home services of $25 per day
- Funeral, burial, or cremation expenses of $2,000
- Rehabilitation expense of $4,500
Uninsured/underinsured motorist coverage:
- Bodily injury limits of $25,000 per person and $50,000 per accident
Penalties for driving without auto insurance in Kansas
Driving without insurance in Kansas can result in various penalties — and consequences become more severe with subsequent offenses.
If caught driving without insurance, the state will fine you between $300 and $2,500. You can also face imprisonment for 90 days for your first offense or up to six months for subsequent offenses. Additionally, your driver’s license and vehicle registration will be suspended.
SR-22 auto insurance in Kansas
An SR-22 form is a certificate of financial responsibility that serves as proof that a driver has the required minimum liability insurance. It’s not a type of insurance but rather a document filed by your insurance company with the state confirming you meet the state’s insurance requirements.
In Kansas, you may have to get an SR-22 if you commit certain offenses, such as driving without insurance or getting a DUI.
If you’re required to have an SR-22, it’s important not to let your insurance lapse. If your policy lapses due to non-payment or cancels for any other reason, your insurance company must report it to the state, and you could face additional penalties.
Personal injury protection and no-fault insurance in Kansas
Kansas is a modified “no-fault” car insurance state, meaning each driver’s insurance policy pays the medical bills of the driver and passengers, regardless of who caused the accident.
In Kansas, all drivers must have PIP coverage as part of their car insurance policy. This coverage compensates policyholders for medical expenses, lost wages, funeral expenses, and other financial losses after an accident up to the policy limits.
However, a driver can sue the responsible party if their damages exceed the policy limits.
Uninsured/underinsured motorist coverage in Kansas
Uninsured motorist coverage protects you when you’re involved in an accident with a driver without liability insurance. Without this coverage, if you’re injured, you’d be responsible for your own expenses.
Underinsured motorist coverage comes into play when you’re involved in an accident with a driver with insurance but not enough to cover your damages. In this situation, the at-fault driver’s insurance pays up to their policy limits, and underinsured motorist coverage bridges the gap.
In Kansas, drivers must have uninsured/underinsured motorist coverage with minimum limits of $25,000 per person and $50,000 per accident.
Kansas Auto Insurance FAQs
Getting the proper coverage at the right price isn’t always easy. We’ve answered some of the most common questions about Kansas car insurance to help you find the right coverage for you.
Who has the cheapest car insurance rates in Kansas?
GEICO offers the cheapest average car insurance for Kansas drivers, with monthly policies as low as $55 per month. But that doesn’t mean GEICO is the cheapest for everyone. State Farm, Progressive, and Auto-Owners also offer competitive rates in Kansas and are worth considering.
How much is car insurance per month in Kansas?
The average Kansas driver pays $124 per month for car insurance, slightly less than the national average. That makes it the 28th-cheapest state in the country for car insurance.
What is the minimum coverage required for car insurance in Kansas?
Kansas drivers are legally required to have liability coverage, personal injury protection, and uninsured motorist coverage. This includes $25,000 per person and $50,000 per accident of both bodily injury liability and uninsured/underinsured motorist coverage, $25,000 of property damage liability, and PIP coverage.
Which city has the cheapest car insurance in Kansas?
Salina has the cheapest car insurance rates of any city in Kansas, according to our research. Drivers there pay just $48 per month for car insurance, on average.
What happens if you get caught driving without insurance in Kansas?
Driving without insurance comes with a range of penalties in Kansas, including fines of up to $2,500, jail time of up to six months, and driver’s license and vehicle registration suspensions.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the quotes listed in this article have been gathered from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.
- Insurance Information Institute, “What determines the price of an auto insurance policy?” accessed October 16, 2023.
- Kansas Highway Patrol, “Alcohol Violations & DUI,” accessed October 16, 2023.
- Kansas Demographics, “Kansas Cities by Population,” accessed October 16, 2023.
- Kansas Insurance Department, “Auto Insurance,” accessed October 16, 2023.
- Kelley Blue Book, “SR-22 Insurance: What is it and How Does it Work?” accessed October 16, 2023.
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