Cheap Auto Insurance Quotes in Kansas (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

 

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 in Kansas

Here are the cheapest carriers 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 insurance. We averaged rates for the twenty most populous cities in Kansas.

Best Car Insurance 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 carrier reviews. The following are the top rated carriers that offer car insurance in Kansas. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Kansas

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Kansas to find you the cheapest quotes in each of these metropolitan areas.

Wichita, Kansas' most populated city, is well documented for its subpar drivers. In early 2018, an influx of state troopers hired to combat driving offenses took the city by storm.

CityCheapest CarrierQuote
AllstateAllstate
$57/mo
State FarmState Farm
$72/mo
AllstateAllstate
$53/mo
AllstateAllstate
$50/mo
AllstateAllstate
$54/mo
ProgressiveProgressive
$30/mo
ProgressiveProgressive
$29/mo
ProgressiveProgressive
$30/mo
ProgressiveProgressive
$33/mo
ProgressiveProgressive
$36/mo
ProgressiveProgressive
$37/mo
ProgressiveProgressive
$31/mo
ProgressiveProgressive
$30/mo
State FarmState Farm
$72/mo
State FarmState Farm
$53/mo

Kansas Driving Facts

Minimum Car Insurance Requirements in KS

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:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured and underinsured motorist protection 
  • $4,500 personal injury protection coverage per person

These are called minimum requirements for a reason. Drivers can certainly purchase higher liability coverage 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.

kansas

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. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Kansas drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Kansas, at $29 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

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

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

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

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuotes
USAA
$30/mo
State Farm
$42/mo
Allied
$44/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuotes
USAA
$32/mo
American Family
$33/mo
Auto Owners
$34/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Kansas, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $17 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Kansas 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Kansans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

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

SR‌-22 Insurance in Kansas

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Kansas on your behalf.

KS 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

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

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Kansas

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Kansas was recently awarded a $2.9 million National Science Foundation grant to allow an interdisciplinary team of graduate students at Kansas State University to improve the agricultural economy and protect rural communities. The state of Kansas offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Lawrence

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Wichita

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Topeka won Insurify's Most Patriotic Cities Award for the state of Kansas. Topeka’s Monroe School, which was at the center of the landmark Supreme Court case Brown v. Board of Education (1954), is now a national park.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Kansas is vital for all car insurance shoppers hitting the road in The Sunflower State.

road with cars illustration

Road Rankings

9%Rural Roads in
Poor Condition

#19
Ranked

9%Structurally Deficient
Rural Bridges

#10
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#23
Ranked


FAQs - Kansas Car Insurance

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.