Cheapest Auto Insurance in Kansas (2024)

Safeco offers the cheapest car insurance in Kansas, with monthly rates starting at $56.

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Lindsay VanSomeren
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Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications
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Konstantin Halachev
Data reviewed byKonstantin Halachev
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  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 12, 2024

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Cheapest recent rates in Kansas

Recent Kansas car insurance prices for Dodge, Ford, GMC , and more.

*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you live in Kansas, here’s some good news: Your car insurance rates are less than the national average. The average Kansas driver pays $80 per month for minimum-coverage car insurance and $200 per month for full coverage.

From Kansas City to Dodge City and beyond, Kansas drivers generally get into fewer accidents — and when they do, they file claims at lower rates and for a smaller amount than people living in other states.[1] This translates into lower costs for everyone, but you can do things to save even more.

Quick Facts
  • Safeco, Midvale Home & Auto, and Dairyland offer the cheapest car insurance in Kansas.

  • Kansas is a no-fault state, and the minimum requirements include coverage for PIP, liability, and uninsured/underinsured motorists.[2]

  • In 2022, 17% of Kansas car accidents involved deer, and 4% involved alcohol.[3]

3 of the cheapest car insurance companies in Kansas

The best car insurance company for you depends on many different factors, including your age, gender, marital status, driving record, ZIP code, and more. This is why it’s important to compare quotes from multiple insurers to find the best policy for you.

As you begin your search, keep the following three insurers in mind.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco4.2$118$56One-stop shopping
Dairyland3.5$168$64High-risk drivers
Midvale Home & Auto3.7$121$59Families
Disclaimer: Table data sourced from real-time quotes from Insurify'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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for one-stop shopping: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$56/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.
$118/mo

Safeco charges some of the lowest average rates for a minimum-coverage policy in the state. The company also offers many ways to save, including diminishing deductible and accident forgiveness. And good drivers can save up to 30% by using its mobile app.

While Safeco doesn’t offer a ton of individual coverage options for your car, it’s a handy choice if you’re looking to round out all your insurance needs with one company. Safeco also offers options for homeowners, renters, pet owners, and more.

Pros
  • Highly rated mobile app[4]

  • Cheapest car insurance rates

Cons
  • Sparse coverage options

  • Poor customer service ratings overall[5]

Read our Safeco review
John - June 11, 2024
Verified

Unhappy Customers

We had a wonderful policy as two seniors on a fixed budget because it was affordable. However, when it came time to renew for another year, our rates were raised by over $500. Absolutely nothing has changed on our driving record, except for us being one year older. It appears to us that seniors with impeccable records are also punished and lumped in with the irresponsible drivers on today's roads.

Angela - June 10, 2024
Verified

Don't Insure with Safeco

It was a terrible experience. I spent two days trying to add my new vehicle to my policy, but I couldn't get anyone at the agent's company to answer the phone. Safeco wouldn't make any changes to my policy without going through the agent. I ended up canceling my policy and going with another company so I could get it insured.

Larry - June 7, 2024
Verified

Disappointed

I have experienced great difficulty reaching my assigned agent. I finally called an 800 number and reached an agent who was somewhat helpful. Both my auto and homeowner policies nearly doubled without any explanation or prior notice. I am very disappointed and am now searching for a replacement company.

Best insurer for high-risk drivers: Dairyland

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
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.
$67/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.
$186/mo

Getting your license reinstated after it has been revoked can be expensive, but you can at least save the extra fee to file a form SR-22 with Dairyland. Many insurers charge you in order to submit this form to the state. Dairyland can also help if you’re interested in a non-owner car insurance policy.

Dairyland is an all-around cheaper option for regular drivers buying minimum coverage. It offers a few discounts that can help lower the cost further, such as those for new customers or for paying for your policy in full.

Pros
  • No SR-22 filing fee

  • Many coverage options

Cons
  • Only offers vehicle insurance

  • Expensive full-coverage premiums

Read our Dairyland review
Rachel - June 6, 2024
Verified

Excellent

It's been wonderful.

Tyrone - June 3, 2024
Verified

My Review

The customer service agent was very rude and sounded like they didn't even want to be there and hated their job.

Larry - May 27, 2024
Verified

Good at Collecting Money, Otherwise Not Much Seen

So far, they've been good at collecting money from me. I haven't made any claims yet, so I don't have any experience with that. My biggest issue at this point is that when I started my car insurance (full coverage in January 2023), I started at an average of $157.00 per month (or $942 every 6 months). Starting in July 2023, my premium went up by $100.00 (to $1042 every 6 months), which increased my monthly payment by about $20.00. The exact same thing happened in January 2024, with another $100.00 increase for January to June, and a $20.00 per month increase. When I called them, they claimed it was due to a state minimum increase. However, my sister, who has been with Dairyland for close to 20 years, hasn't seen much, if any, increase. For context, she is 52, married, has two cars with full coverage, and I am single, 54, with one car. Our premiums are currently similar after the July 2023 increase, with hers being slightly cheaper. If Dairyland increases my premium again, I will be dropping them. My experience so far has been with a bunch of greedy thieves. I have no claims, no tickets, and a $100.00 increase every 6 months is simply unacceptable.

Best insurer for families: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
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.
$59/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.
$121/mo

Midvale Home & Auto is a division of American Family, and true to its parent company’s name, it offers specific discounts for teen drivers who earn good grades and those who leave their cars at home while going to college more than 100 miles away.

Purchasing a policy from Midvale can be difficult at times due to its poorly designed website. It also has a just-OK AM Best financial stability rating of A, while the best car insurance companies are rated as A++.[6] Still, it’s worth checking your rates to see what it can offer.

Pros
  • Special discounts for students

  • Offers homeowners and renters insurance

Cons
  • Lower financial strength rating than some insurers

  • Quotes not always available online

Find Cheap Car Insurance in Kansas

Liability rates start at $56 per month

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How to get the cheapest car insurance in Kansas

Car insurance companies base your price on a lot of factors, such as your ZIP code, age, and gender. The good news is that you have control over some of the factors affecting your car insurance rates, including your credit score and which company you choose to buy a policy from.

Here are some quick tips to help you save as much money as possible on your car insurance:

  • Get several car insurance quotes every time your policy is up for renewal.

  • Look for the best deals and discounts insurance companies offer, especially for using a telematics device or mobile app to rate your driving.

  • When buying a car, consider one with more safety features, such as adaptive cruise control, automated braking, or backup cameras.

Cheapest liability-only car insurance in Kansas: Safeco

Kansas state law requires you to purchase liability insurance, and if you’re looking to maximize your annual savings, a minimum-coverage policy is the way to go. This coverage will pay for any damages you may cause to others while driving and help with the cost of defending yourself in court. But liability insurance won’t pay for your damages or injuries.

Liability insurance in Kansas costs an average of $80 per month.

Here, you can see the lowest average rates from leading insurers in Kansas.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Safeco56
Midvale Home & Auto59
Dairyland67
Liberty Mutual72
National General78
CSAA86
Direct Auto92
Bristol West95
The General99
Disclaimer: Table data sourced from real-time quotes from Insurify'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.

Cheapest full-coverage car insurance in Kansas

Full-coverage policies include all the minimum-required coverages, plus collision and comprehensive insurance to protect your car against damage. Lenders frequently require you to carry a full-coverage policy, but if you’ve paid off your car, it’s optional.

Kansas drivers pay a monthly average of $200 for full-coverage insurance.

Here, you can see full-coverage rates available from leading insurers in Kansas.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Safeco118
Midvale Home & Auto121
State Auto133
CSAA154
National General154
Liberty Mutual178
Direct Auto186
Dairyland186
The General216
Bristol West265
Disclaimer: Table data sourced from real-time quotes from Insurify'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.

Recent Insurify quotes for Kansas drivers

Drivers in and around Kansas have found policies from Liberty Mutual, Direct Auto, Dairyland, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Kansas

Kansas is one of the few no-fault states in the country. This means insurers in Kansas generally reimburse their own drivers for medical bills after a car accident rather than seeking payment from the other driver’s insurance company. Because of this, Kansas law sets higher minimum requirements for coverage than is typical in other states.

You can see the minimum requirements in Kansas in the table below:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000
Personal injury protection$4,500 per person for medical expenses
Uninsured and underinsured motorist$25,000 per person / $50,000 per accident

The table above outlines the state’s minimum requirements, but in some cases, you may want to purchase higher limits of coverage, including:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays to fix or replace your car if it’s in an accident, and some lenders may require it (along with comprehensive) as a part of a full-coverage policy.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for non-collision damage to your car, such as from hailstorms, riots, falling trees, or hitting wildlife.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance helps pay for sending assistance if you break down or run into other problems on the road, like getting stuck in a ditch or locked out of your car.

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Gap coverage

    If your car is totaled in an accident, gap insurance kicks in to pay the remaining balance (if any) on your auto loan or lease after you receive a payout.

Cheapest car insurance for drivers with an incident

Your driving record has a huge influence on your car insurance bill. Any negative marks — even a speeding ticket — can lead to higher premiums, as insurers will deem you to be a higher risk. If you have a conviction for driving under the influence or a history of one or more at-fault accidents, your rates may increase even further.

In the sections that follow, you’ll see how individual incident types can affect your rates in Kansas.

Shop for Car Insurance in Kansas

Monthly rates start at $71 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Safeco

If you’re caught speeding even once, insurers may still raise your rates to guard against future instances of costly claims. In 2022, speeding Kansas drivers were involved in car accidents that injured 2,054 people and killed 93 people.[7]

The average cost of car insurance for Kansas drivers with a speeding ticket is $294 per month for a full-coverage policy and $118 per month for the minimum amount of car insurance. Here, you can see how a speeding ticket affects your rates compared to a clean record in Kansas.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Safeco5675
Midvale Home & Auto5980
Dairyland6789
Liberty Mutual72104
National General78101
CSAA86116
Direct Auto92122
Bristol West95124
The General99132
Disclaimer: Table data sourced from real-time quotes from Insurify'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.

Cheapest car insurance for drivers with an at-fault accident: Safeco

If you cause one auto accident, insurers generally raise your rates because they see you as more likely to file a claim again.

Sunflower State residents with an at-fault accident on their driving record typically pay $305 for full coverage and $122 for liability coverage.

Here’s how much a car insurance policy typically costs from leading insurers in Kansas for drivers with an accident on their record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
Safeco5675
Midvale Home & Auto5986
Dairyland6792
Liberty Mutual72108
National General78108
CSAA86124
Direct Auto92130
Bristol West95129
The General99139
Disclaimer: Table data sourced from real-time quotes from Insurify'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.

Cheapest car insurance for drivers with a DUI: Safeco

People caught behind the wheel while under the influence of alcohol or other drugs typically pay the highest rates of any Kansas residents. That’s because this is one of the riskiest things you can do as a driver, and about 1 in 4 people goes on to become a repeat offender.[8]

Alcohol was involved in about 4% of all Kansas car crashes in 2022, resulting in the deaths of 95 people.[7]

It’s still possible to find coverage, even with a DUI on your record. Here are the most affordable car insurance rates for drivers with a DUI.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
Safeco5695
Midvale Home & Auto59101
Dairyland67114
Liberty Mutual72123
National General78133
CSAA86147
Direct Auto92157
Bristol West95162
The General99169
Disclaimer: Table data sourced from real-time quotes from Insurify'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.

Cheapest car insurance for seniors: Midvale Home & Auto

The average cost of car insurance changes as you age. Rates are typically lower for middle-aged drivers, while prices start to increase again once you reach age 70. After this age, your risk of getting into a car accident starts to rise.

Senior drivers in Kansas looking for cheap car insurance pay an average of $54 per month for liability car insurance and $135 for full coverage.

The following companies offer the cheapest car insurance rates for seniors in Kansas:

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Midvale Home & Auto4183
Safeco4186
Dairyland49135
Liberty Mutual52128
National General57112
CSAA61109
Direct Auto64130
Bristol West69192
The General73160
Disclaimer: Table data sourced from real-time quotes from Insurify'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.

Cheapest car insurance for teens: Midvale Home & Auto

Teen drivers typically pay the highest car insurance costs of any age group, and Kansas teens are no exception. This is because teen drivers are statistically more likely to get into an accident, and drivers younger than 25 were involved in 97 fatal crashes in Kansas in 2022.[8]

Male teens, in particular, pay more for policies than other family members, but teens still have ways to save money — especially if they’re able to switch to a more affordable insurer.

Rates for families with Kansas teens start at $101, and you can see the rates available from top insurers in the table below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyLiability OnlyFull Coverage
Midvale Home & Auto101208
Dairyland111308
Safeco115243
Liberty Mutual132326
CSAA139250
National General145287
The General158345
Bristol West160446
Direct Auto166335
Disclaimer: Table data sourced from real-time quotes from Insurify'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.

Find Cheap Car Insurance in Kansas

Check quotes from 100+ top insurance companies

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Based on 3,806+ reviews
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Kansas car insurance quotes by credit tier

Having a good credit score correlates with being at a lower risk of filing a claim. That’s why insurers generally review your credit history during the underwriting process.

If you have poor credit, you can expect the cost of car insurance to go up, unfortunately. Here’s how much it may increase.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Kansas car insurance FAQs

If you still have questions about finding the lowest-cost car insurance in Kansas, the following answers can help.

  • How much is car insurance in Kansas?

    The average rate for liability-only insurance in Kansas is $80, and the average rate for full coverage is $200. These rates make Kansas one of the more affordable states in the nation for car insurance.

  • Who has the cheapest car insurance in Kansas?

    Safeco offers the cheapest car insurance rates in Kansas, starting at $56. Other affordable insurers in the state include Midvale Home & Auto and Dairyland, with respective monthly liability rates of $59 and $67.

    But the cheapest company for you will depend on many factors, such as your age, ZIP code, type of car you drive, and coverage levels you choose.

  • What are the best car insurance companies in Kansas?

    Safeco, Midvale Home & Auto, and Dairyland rank as three of the top insurers in Kansas. Safeco routinely offers some of the state’s most competitive rates, while Midvale Home & Auto offers several discounts that make it an appealing option for families. Meanwhile, if you’re a high-risk driver, Dairyland offers more affordable coverage than you’ll find with many other insurers.

  • What’s the cheapest type of car insurance in Kansas?

    The most affordable car insurance is liability coverage. Liability coverage rates are lower because this type of coverage only covers damage and injury costs that other parties suffer in an accident you cause. It doesn’t provide any coverage for your own expenses.

  • How can you find the cheapest car insurance in Kansas?

    The best way to find the most affordable car insurance for you is to compare quotes from multiple insurers at the same time using a price-comparison platform. This allows you to review not only premium prices but also the amount of coverage you’re getting for your money.

Insurify Insights

How Kansas Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Kansas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Kansas drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Kansas

#6

State with the Most Speeding Tickets Rank

#12

State with the Moving Violations Rank

#23

State with the Most DUIs Rank

#11

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Kansas is the #21 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #21
    • Percent of drivers in Kansas with an accident: 8.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kansas is the #23 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #23
    • Percent of drivers in Kansas with a DUI: 1.6%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Kansas is the #10 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #10
    • Percent of drivers in Kansas with a reckless driving offense: 1.8%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Kansas is the #12 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #12
    • Percent of drivers in Kansas with a rude driving violation: 2%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Kansas is the #6 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #6
    • Percent of drivers in Kansas with a speeding ticket: 11.4%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kansas is the #23 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #23
    • Percent of drivers in Kansas with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons."
  2. Kansas Insurance Department. "Auto Insurance."
  3. Kansas Department of Transporation. "2022 Kansas Traffic Crash Facts."
  4. App Store. "Safeco Mobile."
  5. Better Business Bureau. "Safeco Insurance Company."
  6. AM Best. "Midvale Indemnity Company."
  7. Kansas Department of Transportation. "Speed Related Crashes by Age Group."
  8. NHTSA. "Traffic Safety Facts."
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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