The Cheapest Auto Insurance Companies in Kansas, in 2025
CSAA offers the cheapest car insurance rates in Kansas. But your rates will vary based on several personal factors.
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Written byAnna Baluch
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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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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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In This Article
Kansas, like most states, requires drivers to have car insurance. Kansas drivers pay an average of $119 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, Root, and Safeco.
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.
Key Takeaways
CSAA offers the cheapest car insurance in Kansas, with rates starting at $49 per month.
Kansas drivers pay a monthly average of $82 for liability-only coverage and $156 for full coverage.
Kansas requires drivers to have at least 25/50/10 of liability coverage to drive legally. Drivers also need personal injury protection and uninsured/underinsured motorist (UM/UIM) coverage.[2]
The Cheapest Car Insurance Companies in Kansas
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.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| CSAA | $49 |
| Root | $66 |
| Safeco | $74 |
| Progressive | $75 |
| State Farm | $76 |
| Bristol West | $82 |
| National General | $82 |
| USAA | $83 |
| Dairyland | $84 |
| American Family | $89 |
| The General | $97 |
| Auto-Owners | $98 |
| Direct Auto | $107 |
| Liberty Mutual | $116 |
| GEICO | $117 |
| Travelers | $130 |
| Allstate | $140 |
| Farmers | $170 |
| Nationwide | $174 |
| Shelter | $207 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
As you can see, CSAA has the cheapest car insurance rates in the Sunflower State, at $49 per month.
Let’s look at Kansas’ cheapest insurers for different driver and coverage types.
Cheapest Car Insurance in Kansas by Driver and Coverage Type
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/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | CSAA | $49 |
| Full coverage | State Farm | $92 |
| Teens | CSAA | $92 |
| Seniors | CSAA | $38 |
| Drivers with a speeding ticket | CSAA | $62 |
| Drivers with an at-fault accident | CSAA | $67 |
| Drivers with a DUI | CSAA | $69 |
| Drivers with excellent credit | CSAA | $42 |
| Drivers with poor credit | CSAA | $57 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest state-minimum coverage: CSAA
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 $82 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.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full coverage: State Farm
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 $156 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.
Average Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest for teens: CSAA
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).[3]
Kansas teens pay a monthly average of $257 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.
Average Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest for seniors: CSAA
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 $100 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.
Average Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest after a ticket: CSAA
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 discovered that car insurance rates go up by 37% after just one ticket.
Kansas drivers with a ticket pay an average of $152 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.
Average Rates With a Ticket
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest after an accident: CSAA
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 $155 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.
Average Rates With an Accident
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest after a DUI: CSAA
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 $162 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.
Average Rates With a DUI
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest for bad credit: CSAA
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.[4]
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 $140 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.
Average Rates With Poor Credit
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our Picks for the Best Auto Insurance in Kansas
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No single car insurance company is best for every driver. Many factors play a role in your exact rate, including your age, gender, driving record, and credit.
That’s why we found the best Kansas car insurance companies for some of the state’s most common driver profiles. We chose the following companies based on their average rates, customer reviews, coverage options, and more.
#1 Allstate
Compare.com Rating: 4.93/5
Average full-coverage premium: $171
Pros
Offers usage-based insurance for low-mileage drivers
Many discounts available
Quotes available online
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.
#2 Farmers
Compare.com Rating: 3.98/5
Average full-coverage premium: $207
Pros
Bundling discount available
24/7 roadside assistance available
Telematics program for safe drivers
Cons
More expensive for drivers with traffic violations
Poor Better Business Bureau (BBB) customer ratings[7]
Pay-per-mile insurance available only to commercial customers
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.
#3 Auto-Owners
Compare.com Rating: 4.43/5
Average full-coverage premium: $119
Pros
Cons
Quotes available only through agents
Poorly rated mobile app
Pay-per-mile insurance not available
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.
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Kansas Auto Insurance Requirements
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Kansas, like nearly every state, requires drivers to buy car insurance. Drivers in the Sunflower State must carry the following minimum car insurance coverage:
$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.
Is minimum coverage enough in Kansas?
Most experts recommend buying coverage above the minimum limits in your state. The Kansas Department of Insurance recommends buying coverage beyond the required minimum limits. Liability-only coverage may not offer enough protection if you cause a serious accident. Plus, lenders typically require you to buy full coverage if you finance or lease your car.
Think about it this way: If you hit another car and cause $40,000 worth of damage, liability-only insurance would only cover $25,000. You’d have to pay the remaining $15,000 out of pocket.
Kansas Auto Insurance FAQs
Below, we answered some common questions from Kansas drivers about car insurance policies in the Sunflower State.
How much is car insurance in Kansas?
Kansas drivers pay an average of $119 per month for car insurance, according to Compare.com data. Liability-only coverage costs an average of $82 per month, and full coverage costs $156 per month.
What’s the cheapest auto insurance company in Kansas?
CSAA offers the cheapest auto insurance in Kansas, with rates starting at $49 per month, according to Compare.com data.
Is car insurance in Kansas expensive?
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 $119 per month for auto coverage. That’s compared to the U.S. national average of $150 per month.
What are the car insurance laws in Kansas?
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.
Methodology
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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Sources
- Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons."
- Kansas Insurance Department. "Auto Insurance Shopper's Guide."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Insurance Information Institute. "Federal Government Affirms Merit of Credit-Based Insurance Scores."
- J.D. Power. "2024 U.S. Insurance Shopping Study."
- Trustpilot. "Allstate Reviews."
- Better Business Bureau. "Farmers Insurance."
- AM Best. "AM Best Downgrades Credit Ratings of Members of Auto-Owners Insurance Group; Upgrades Issuer Credit Ratings of Members of Capital Insurance Group; Affirms Credit Ratings of Atlantic Casualty Insurance Company and Certain Affiliates and Subsidiaries."
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Learn more about us, our team, and what makes us tick.
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Anna BaluchInsurance Writer
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.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.