There’s no place like Kansas…for cheap car insurance

From the Tallgrass Prairie National Preserve to Exploration Place to the tallest waterslide in the world, Kansas is anything but a flyover state. With low crime rates, low cost of living, and excellent infrastructure, population rates are on the rise.

If you’re a resident or soon-to-be a resident of the Sunflower State, this article will guide you through the twists and turns of finding the best car insurance for you.

Insurify is there for you through all of life’s changes to ensure you’re getting the best deal possible on your car insurance premium—especially if you’re moving to a new state. Quickly compare real quotes with just one form and find your best rate today.

Cheapest Car Insurance Quotes in Kansas

Here are the cheapest insurance companies in Kansas for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability coverage. We averaged auto insurance rates for the twenty most populous cities in Kansas.

Insurance CompanyQuotes
Progressive$29/month
State Farm$48/month
Allstate$49/month
GEICO$75/month
Nationwide$77/month

Best Car Insurance Quotes in Kansas

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Kansas. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$130/month
GEICO87$75/month
Allstate86$49/month
Nationwide84$77/month
State Farm83$48/month
Travelers81$108/month
Liberty Mutual80$203/month
Progressive 78$29/month

Most Popular Car Insurance Companies in Kansas

In 2017, Kansans spent just shy of $2 million on car insurance. Which companies got the largest share of the pie? To answer that question, we looked at research done by the Insurance Information Institute (III) to see which companies are writing the most insurance policies for Kansans

According to the III, these are the most popular car insurance companies in Kansas by market share:

  • State Farm
  • American Family
  • Progressive
  • Farm Bureau Financial Services
  • Farmers

Cheapest Car Insurance Quotes in Kansas by City

The geographical location makes a big difference when it comes to car insurance costs. As road conditions, crime rates, and claim statistics fluctuate from place to place, so do premium prices. Knowing how much a premium typically costs in an area before you move there can be a big advantage.

We ran the numbers for the most populated cities in Kansas. How does your rate stack up?

CityInsurance CompanyQuotes
WichitaAllstate$57/month
Kansas CityState Farm$72/month
OlatheAllstate$53/month
TopekaAllstate$50/month
LawrenceAllstate$54/month

Cheapest Car Insurance Quotes in Kansas by Profile

Here are the cheapest insurance companies in Kansas based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service

Cheap Car Insurance for Young Kansas Drivers

Because young drivers are statistically more likely to get into an accident, they also cost more to insure. Luckily, there are some easy ways to lower car insurance rates:

  • Enroll in an insurer-approved defensive driving course
  • Look for good student discounts
  • Enroll in a telematics program to track driving habits
  • Maintain a clean driving record and good credit

Below are the best rates we could find for young Kansas drivers:

Insurance CompanyQuotes
USAA$17/month
Auto Owners$23/month
Farm Bureau Financial Services $32/month

Cheap Car Insurance for Kansas Drivers with a DUI/DWI

Few violations will hike up the cost of insurance like a DUI/DWI. Not only is it extremely dangerous to operate a vehicle over legal alcohol limits—0.08 blood alcohol concentration in Kansas—it will also cost you big time, and we don’t just mean insurance costs.

In the state of Kansas, penalties are harsh and swift for drivers. They include:

  • 48 hours of mandatory imprisonment
  • 100 hours of community service
  • $500 minimum fine
  • 30-day suspension of driving privileges
  • Mandatory ignition lock

Drivers may find it difficult to get insurance after a DUI/DWI, especially if they have multiple offenses on their records. For drivers who cannot find a company willing to insure them, there is a state-run system as a backup. Prices will be very expensive, but for drivers in desperate need of driving privileges, this may be their only option for insurance. 

On the regular market, these are the best rates we could find for Kansas drivers with a DUI/DWI:

Insurance CompanyQuotes
American Family$33/month
State Farm$38/month
Progressive$40/month

Cheap Car Insurance for Kansas Drivers with Speeding Tickets

Kansans with lead feet will soon find themselves paying high fines and high premiums. The best way to end this trend is to slow down and obey speed limits (and all driving laws). For drivers really having trouble, a telematics program may be the encouragement they need to get out of the fast lane. 

A telematics program involves a simple installation of a device that tracks driving habits. These devices know when you accelerate swiftly, brake suddenly, and even exceed speed limits. Driving safely results in lowered costs.

The best rates we found for Kansas drivers with speeding tickets are:

Insurance CompanyQuotes
USAA$23/month
American Family$33/month
Auto Owners$34/month

Cheap Car Insurance for Kansas Drivers with an At-Fault Accident

At-fault accidents are one of the most common ways to raise premium rates to prohibitive levels. For drivers looking to lower rates, exhausting discount programs is a great place to start. When prices remain stubbornly high, drastic measures may be needed, such as:

  • Reducing miles driven to get a low-mileage rate
  • Changing to a vehicle less expensive to ensure
  • Eliminating collision coverage and comprehensive coverage if the car is lien-free
  • Eliminating car use altogether and using public transportation if available

Below are the best rates we could find for Kansans with an at-fault accident on their records:

Insurance CompanyQuotes
USAA$30/month
State Farm$42/month
Alied
$44/month

Kansas State Insurance Laws

State Minimum Car Insurance Coverage in Kansas

Each state has at least a few differences in how it manages and enforces car insurance laws, so it’s important to understand the quirks and nuances of your state like this one: Is car insurance required in Kansas? Well, yes and no.

It may seem rare, but several states, including Kansas, offer alternatives to carrying insurance. This alternative is called Financial Responsibility in Kansas. Essentially, instead of going through an insurance company to cover damages drivers cause, drivers pay for damages out of their own pockets. Before they can legally drive without a policy, they must file proof of financial responsibility with the state.

For some drivers, this may seem like a great option. But for most everyone, driving without insurance is like walking a tightrope with no safety net—over the Grand Canyon in a windstorm. 

If you (hopefully) decide to purchase coverage, then you’ll need to purchase at least the required minimum coverage. These are:

These are called minimum requirements for a reason. Drivers can certainly purchase higher liability insurance limits for themselves and their families, and many drivers should. Once the limits are reached in the event of an accident, the driver at fault will be required to cover damages.

For drivers who often cart around several passengers at a time, it’s easy to see how quickly minimums will be exceeded. The same logic also applies to underinsured/uninsured motorist coverage limits.

What are the penalties for driving without insurance in Kansas?

All registered motor vehicles are required to carry insurance or submit financial responsibility during the entire registration period. Kansans caught driving without insurance face fines of at least $300 but up to $1,000 for a first-time offense. They will also be required to file an SR-22—a proof of insurance document that your insurance company files on your behalf—for at least 12 months. 

Additionally, due to the lapse in coverage, drivers caught without insurance can expect to pay higher premiums when they do buy coverage.

If you’ve found yourself in the position of having to file an SR-22 with the Kansas Department of Revenue Vehicle Division, not all is lost. Many car insurance companies will file an SR-22 on your behalf, though you can expect to pay higher premiums. 

Companies that offer SR-22 in Kansas include Ameriprise, Dairyland, Esurance, Farmers, GEICO, The General, National General, North Star, Progressive, Safe Auto, Safeco, and West Bend Mutual

Is Kansas a No-Fault State?

Yes, Kansas is one of the twelve states (plus Puerto Rico) that requires drivers to purchase something called Personal Injury Protection (PIP). It works like this: after a car accident, each driver’s medical expenses are covered up to $4,500 by their own insurance company. Expenses can include:

  • Hospital bills
  • Rehabilitation
  • Loss of income
  • Home services
  • Funeral expenses

In Kansas, when injuries exceed the limit, the at-fault driver can be held responsible for additional expenses if the injuries are deemed “serious.” Serious injuries include:

  • Permanent, whether by loss of function or disfigurement
  • Severe fracture of bones
  • Any fracture of a weight-bearing bone

No-fault states use these laws to reduce the number of litigation cases clogging up the court system. As instances of litigation rise, more and more states may adopt these laws in the future. 

How early can a Kansas driver get a learner’s permit?

Kansans can apply for an instructor’s permit as early as the age of 14. They’ll need parent or guardian permission, and they’ll need to pass the same written and vision tests as any new driver. If these early driver’s complete all requirements for obtaining a driver’s license—meet minimum hours supervised driving practice and hold their permits for 12 months—they can get a restricted license by 15 years old.

What are the teen driving rules in Kansas?

There are several laws that affect teen drivers in Kansas, both before and after receiving a license. For at least the first six months after passing a driving test, teen drivers hold a restricted license. The restrictions are meant to keep drivers safe—both teenagers and other drivers on the road. Restrictions include:

  • While holding a learner’s permit, drivers must be accompanied by a licensed driver over the age of 21 and cannot be accompanied by any other passenger.
  • While on a restricted license, drivers can only drive between 5 am and 9 pm.
  • Drivers under the age of 16 cannot drive minors who are not family members.
  • While on a restricted license, drivers must be accompanied by a licensed driver over the age of 21.
  • While on a restricted license, drivers over the age of 16 can have up to one non-relative minor passenger.
  • Drivers with a restricted license must also log an additional 15 hours of driving during the day and 10 hours of driving at night under the supervision of a licensed driver over the age of 21.
  • Restrictions on cell phone use (see below).

So long as drivers follow these rules they can receive a full license by the age of 16 years and six months.

What are the cell phone laws in Kansas?

Drivers under the age of 18 are never allowed to use a cellphone while driving in Kansas. This includes:

  • Talking on a hands-free device
  • Texting
  • Playing games

Drivers over the age of 18 are also prohibited from texting or playing games on their phones while driving. However, they are permitted to make hands-free calls and navigate with cell phones. 

Kansans caught breaking these rules will pay a minimum of $60 fine, but court fees can increase expenses. Additionally, when your insurance company finds a cell phone violation on your driving record, you can expect your premiums to increase. 

What are the child passenger laws in Kansas?

Children under the age of one should always travel in a rear-facing car seat. In fact, they should ride in one for as long as possible, up to the height/weight limit. Between the ages of one and three, and once they exceed the height/weight limit, they should ride in a forward-facing car seat equipped with a harness.

Until children are taller than 4’9” or weigh more than 80 pounds, they should use a booster seat. Children under the age of 14 must sit in the backseat, and all children should use a seat belt. All front-seat passengers should use a safety belt no matter what age. 

What are the driving conditions like in Kansas?

Traffic and congestion are fairly rare given the largely rural demographics of Kansas. If you live near Wichita, Topeka, or Kansas City KS, you’ll experience fairly light traffic compared to larger metropolitan cities. However, road construction, flooding, slow-moving farm vehicles, and other changes in road conditions can cause significant delays anywhere in the state.

While Kansan roads are flat and well maintained, inclement weather can cause big problems for drivers. In the winter, high winds, snow, and black ice form major hazards for drivers. During the worst storms, the interstate may be shut down to prevent accidents. 

In the summer, thunderstorms, tornadoes, and heavy rain cause many issues. Luckily today, modern weather monitoring gives drivers ample notice of inclement weather and most will stay off the roads. 

Kansas Auto Insurance FAQs 

Who has the cheapest car insurance in Kansas?

It depends. The cheapest car insurance for your neighbor is unlikely to be the cheapest car insurance for you, but finding your best rate can be made easy. It’s a great idea to start by making a list of everything you need and the discounts you’re most likely eligible for, then shop around for the best price. Luckily, Insurify is an easy-to-use tool to help you save time and money when shopping for car insurance. One form and two minutes get you 6+ real car insurance quotes from top companies. Plus, you can save your profile to receive alerts when prices drop. 

Does Kansas law allow for digital proof of insurance?

Yes, Kansas drivers can use digital proof of insurance. However, if the digital device, breaks or runs out of battery, then proof of insurance cannot be shown. That’s why it’s a good idea to always carry a hard copy with you.

Who has the best car insurance in Kansas?

Everyone has a different combination of needs, driving histories, priorities, credit scores, and geographic information, so what’s best for one driver may not be best for another. And don’t forget the discounts! Every company will have a different array of discount options, like bundling home and auto insurance coverage or purchasing a low mileage plan. Knowing what discounts you’re most eligible for can help you decide which auto insurance company is best for you.

Does Kansas have tolls?

Kansas has a turnpike that runs from Kansas City KS through Wichita, ending at the Oklahoma state line. Altogether, the 236 miles will cost the average sedan $11.15 with a K-TAG and $15 without one.

For out-of-state residents, the first question is: can I use a different transponder for Kansas tolls? The answer is maybe. A few transponders besides the K-TAG are accepted in Kansas. These are:

  • BancPass
  • NATIONALPASS
  • Pikepass (Oklahoma)
  • EZ TAG (Texas only)
  • TxTag (Texas)
  • TollTag (Texas)

If you are traveling with a transponder that’s not on this list, be sure to stop at the toll booth to pay (cash or credit is available). If you accidentally go through the electronic lane, you will receive a violation. This is different than most states, which typically allow a few days for drivers to pay online without receiving a violation. 

If you’re looking to avoid tolls altogether, consider taking the historic byway. While it adds some time to your journey, the views are shockingly beautiful for an allegedly boring state and an AM radio station will guide you through the recent history of the area.

Should headlights be on during the day in Kansas?

Kansas law only requires headlights to be used from dusk to dawn. During daylight hours, headlights need to be used when windshield wipers are in continuous use, like during rain or snowstorms, or when visibility is less than 1,000 feet. However, there are no rules prohibiting the use of daytime running headlights.

What is the fine for not wearing a seatbelt in Kansas?

According to the CDC, Kansans wear safety belts less often than the national average. Due to lower use, Kansans are more likely to perish in an automobile accident than the national average. This may also be why tickets for seatbelt violations in Kansas are higher than all its bordering states except Colorado.

Though this ticket is not considered a moving violation, it will cost drivers $60 plus court costs. Violations of child passenger safety laws also result in a $60 fine plus court costs. 

Kansas DMV Information

If you’re moving to Kansas, there are a few things you need to know before you go. You’re expected to register your vehicle and change your license at your local county clerk within 90 days of arrival. You’ll need to have a new emissions test done, and you may be expected to pay an excise tax of 6.3 to7.65 percent for your vehicle. 

The good news: Kansas is on the cutting edge of technology. iKan, a mobile app for government services, was released in late 2018. Despite some early bumps, it’s been working well for many tech-savvy Kansans. On the app, drivers can:

  • Renew their driver’s license
  • Renew vehicle registration
  • Access driving records
  • Save forms for faster renewal in the future
  • Access other important records like a birth certificate

You can also use the online system in Kansas to set appointments, check-in, renew licenses and access records.

The best way to save on car insurance in Kansas

Isn’t it time for Kansans to save big on car insurance?

Whether you’re a Kansas native or on the move to the Wheat State, it’s as important to understand the rules of the road as it is to understand your insurance needs—and how to save on insurance costs. While we at Insurify can’t wave a magic wand, we can help you save big in a small amount of time.

Our easy to complete form gets you 6+ real quotes within minutes. Remember to save your profile to easily check your rates any time you want. 

Score savings on car insurance with Insurify

Compare Quotes

 

J.J. Starr is a financial copywriter and enjoys helping readers find the information they need. In addition to her background in banking and financial advising, she is also a poet with an MFA from New York University. She lives in Amherst, Massachusetts. You can learn more at jjstarrwrites.com.