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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Kansas, like most states, requires drivers to have car insurance. Kansas drivers pay an average of $111 per month for car insurance, according to Compare.com data. Kansas tends to have relatively affordable auto coverage, possibly due to the state’s lower accident rate and less expensive insurance claims.[1]
Still, many insurers in Kansas offer premiums well below the state average, including CSAA, State Farm, and Root.
We’ll dive deeper into the most affordable insurers in Kansas for different types of drivers, how to choose the right company, and tips on how to save money on your car insurance.
CSAA is the most affordable auto insurance company in Kansas, with an average premium of $47 per month.
Kansas drivers pay an average of $77 per month for liability insurance and $145 per month for full coverage.
Allstate, Farmers, and Auto-Owners are three of the best auto insurance companies for Kansas drivers.
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
With Allstate, Kansas drivers can access a number of optional auto policies for unique situations, including rideshare insurance, classic car insurance, and electric car insurance. The company also offers its Drivewise telematics program, which can save you money for safe driving behaviors.
But Allstate has poor ratings from J.D. Power and Trustpilot, and users report issues with its Drivewise and Milewise mobile apps.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $122/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $211/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers has agents throughout Kansas to help you understand the insurer’s options and find the right coverage for your specific budget and needs. Farmers also has a highly rated mobile app, which you can use to manage your policy and file a claim.
But Farmers can be more expensive for people with a less-than-perfect driving record. The company also offers FairMile, its usage-based insurance program, to commercial auto customers.
Bundling discount available
24/7 roadside assistance available
Telematics program for safe drivers
More expensive for drivers with traffic violations
Poor Better Business Bureau (BBB) customer ratings[4]
Pay-per-mile insurance only for commercial customers
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
Drivers value the excellent customer service and coverage but feel the prices, especially for homeowners, can be high.
Drivers value the excellent customer service and coverage but feel the prices, especially for homeowners, can be high.
Auto-Owners offers a few unique car insurance options that Kansas residents might not find elsewhere. The company’s Purchase Price Guarantee coverage reimburses you the purchase price of your car instead of its actual cash value if you total it in a covered claim. You can also opt for roadside assistance or rental car coverage.
But drivers who want online convenience may need to look elsewhere, as quotes are only available from Auto-Owners agents.
Local agents available throughout Kansas
Discounts available for teens and students
Superior AM Best financial strength rating [5]
Quotes available only through agents
Poorly rated mobile app
Pay-per-mile insurance not available
Regardless of the average rates in Kansas, you can still find ways to save on your auto insurance coverage. Several insurers offer premiums below the statewide average.
The chart below shows the companies offering the most affordable car insurance policies in Kansas, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| CSAA | $47 |
| State Farm | $54 |
| Root | $60 |
| USAA | $60 |
| American Family | $64 |
| Auto-Owners | $70 |
| Safeco | $72 |
| Bristol West | $76 |
| Dairyland | $76 |
| Progressive | $77 |
| National General | $79 |
| GEICO | $83 |
| The General | $89 |
| Travelers | $94 |
| Direct Auto | $99 |
| Allstate | $101 |
| Liberty Mutual | $117 |
| Farmers | $122 |
| Nationwide | $125 |
| Shelter | $149 |
CSAA has the cheapest car insurance rates in the Sunflower State, at $47 per month, on average.
Let’s look at Kansas’ cheapest insurers for different drivers and coverage types.
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Kansas, like nearly every state, requires drivers to buy car insurance. Drivers in the Sunflower State must have the following minimum car insurance coverage:[6]
$25,000 per person and $50,000 per accident of bodily injury coverage
$25,000 per accident of property damage coverage
Kansas law also requires the following minimums for personal injury protection:
$4,500 per year for medical expenses
$900 per month for one year of disability or income loss
$25 per day for in-home services
$2,000 for burial or cremation expenses
$4,500 for rehabilitation services
In addition, Kansas drivers must have $25,000 per person and $50,000 per accident of uninsured/underinsured motorist insurance.
In Kansas, full-coverage car insurance goes beyond liability coverage to include collision, comprehensive, personal injury protection, and uninsured/underinsured motorist protection. Full coverage helps cover the cost of your car’s repairs after accidents, theft, vandalism, and severe weather events, such as hail or storm damage.
Full coverage is worth it for most drivers — especially those with newer, leased, or financed cars. If your car is older and not worth much, liability-only insurance may be the best option for you.
In addition to meeting Kansas’ minimum insurance requirements, you can customize your policy with coverages that give you extra peace of mind. Here are some coverage options to consider:
Collision coverage pays for your damages if you hit another car or object.
Comprehensive insurance pays for damages from things like hail, theft, or hitting an animal.
Roadside assistance covers services such as towing, changing flat tires, car lockouts, and jump-starting batteries.
Rental reimbursement helps cover the cost of temporary transportation while the mechanic repairs your car after a claim.
Gap coverage helps cover the difference between your car’s payout value and its remaining loan or lease balance if someone steals your car or your insurer declares it totaled.
Every driver has their own unique car insurance needs. Factors like your ZIP code, age, gender, and driving record affect what you pay for an auto policy.
Here, you’ll find the cheapest insurers in Kansas for a variety of driver backgrounds and coverages, according to Compare.com research.
Driver or Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | CSAA | $47 |
| Full coverage | State Farm | $94 |
| Teens | CSAA | $85 |
| Seniors | CSAA | $36 |
| Drivers with a speeding ticket | CSAA | $58 |
| Drivers with an at-fault accident | CSAA | $66 |
| Drivers with a DUI | CSAA | $64 |
| Drivers with excellent credit | CSAA | $41 |
| Drivers with poor credit | CSAA | $56 |
Kansas requires drivers to buy a minimum amount of liability insurance, which covers property damage and injuries after an at-fault accident. The state also requires drivers to have personal injury protection and uninsured/underinsured motorist coverage.
Kansas drivers pay an average of $77 per month for minimum-coverage insurance. While liability-only coverage costs less, the Kansas Department of Insurance recommends buying additional car insurance to meet your needs.
If you need minimum-coverage insurance, this chart highlights the five insurance companies with the cheapest liability rates in Kansas, according to Compare.com data.
Full-coverage auto policies usually include comprehensive and collision coverages, which can protect you from things like natural disasters, theft, and accidents you cause. Lenders typically require you to buy full-coverage insurance if you loan or lease your car.
Drivers in Kansas pay an average of $145 per month for full-coverage car insurance. But several car insurance companies offer full coverage for close to the average price of liability insurance in the state.
Here are the five cheapest insurers in Kansas for full-coverage auto insurance, according to Compare.com data.
Rates in Kansas start at $47 per month.
Getting a ticket can increase your car insurance rates the next time your policy renews. Insurers consider you a riskier driver after getting a ticket. In fact, our research shows that car insurance rates go up by 37% after just one ticket.
Kansas drivers with a ticket pay an average of $135 per month for car insurance. But several insurance companies offer lower rates.
In this chart, we outline five of the cheapest insurers in Kansas for drivers with a recent ticket, according to Compare.com data.
When you cause an accident, your car insurance costs might skyrocket. Our research shows that, on average, a single at-fault accident increases rates by 41%.
Kansas drivers with a recent accident pay an average of $147 per month for auto insurance, according to Compare.com data. But you can often find a better deal with one of the five auto insurance companies in the chart below.
Here are the five cheapest insurers for Kansas drivers with an at-fault accident, according to our data.
Car insurers view driving under the influence (DUI) offenders as high-risk drivers and charge them significantly more for auto insurance. In fact, our research found that average rates for people with a DUI conviction go up by 61%.
Kansas drivers with a DUI pay an average car insurance premium of $140 per month, according to Compare.com data. But some insurers specialize in covering high-risk drivers, including people with DUI convictions.
Here’s a look at the five cheapest car insurance companies for Kansas drivers with a DUI, according to our data.
Teen drivers pay some of the most expensive car insurance rates of any age group. Teens underestimate danger and make more errors that lead to serious accidents, according to the Centers for Disease Control and Prevention (CDC).[7]
Kansas teens pay a monthly average of $226 for car insurance. But you can still find a good deal if you’re a teen driver or have one on your policy.
In the chart below, you’ll find Kansas’ five cheapest car insurance companies for teens, according to our data.
Seniors typically enjoy some of the most affordable car insurance coverage of any age group. That’s mainly due to their years of experience and safer driving habits. Seniors in Kansas pay an average of $94 per month for car insurance.
Even with these low average rates, you can likely find a better deal from several insurance companies. Here are five of the cheapest car insurance companies for Kansas seniors, according to Compare.com data.
In some states, car insurance companies use credit-based insurance scores to calculate premiums. Research has shown that drivers with poor credit file more claims, and insurers charge them higher rates as a result.[8]
Our data found that drivers with poor credit pay 20% more than people with excellent credit. Kansas drivers with poor credit pay an average of $139 per month for car insurance, according to Compare.com.
But not all insurance companies consider credit, and some offer affordable rates regardless of your credit history.
This table highlights the five cheapest companies for drivers with poor credit in Kansas, according to our research.
Rates start as low as $47 per month.
Below, we answered some common questions from Kansas drivers about car insurance policies in the Sunflower State.
Kansas drivers pay an average of $111 per month for car insurance, according to Compare.com data. Liability-only coverage costs an average of $77 per month, and full coverage costs $145 per month.
CSAA offers the cheapest auto insurance in Kansas, with rates starting at $47 per month, according to Compare.com data.
It depends. Several factors, including your address, age, and driving history, determine how much you pay for car insurance in Kansas. Kansas drivers pay an average of $111 per month for auto coverage. That’s compared to the U.S. national average of $138 per month.
Kansas requires drivers to have $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 per accident of property damage coverage. Drivers must also have personal injury protection and uninsured/underinsured motorist coverage.
It depends. The best auto insurer for you hinges on your unique driver profile, needs, and budget. That said, our top picks for Kansas car insurance include Allstate, Farmers, and Auto-Owners. Each company stands out for a mix of strong coverage options, helpful local agents, mobile tools, and flexible programs, based on our research.
It depends on your situation. Most insurance experts, including the Kansas Department of Insurance, recommend purchasing more than the state’s minimum limits. Liability-only coverage likely won’t provide enough protection if you cause a serious accident.
For example, if you hit another car and cause $55,000 worth of damage, liability-only insurance would only cover $25,000, leaving you paying the remaining $30,000 out of pocket. Lenders also typically require you to buy collision and comprehensive coverage if you finance or lease your car.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates 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 rates listed in this article have been collected 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 readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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