Cheap Auto Insurance Quotes in Kansas (November 2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$57
$78
$98
$118
$137
$138
$225
AllstateState FarmNationwideProgressiveAmerican FamilyTravelersThe General
Monthly $
CityCheapest Carrier
AllstateAllstate
$57/mo
State FarmState Farm
$72/mo
AllstateAllstate
$53/mo
AllstateAllstate
$50/mo
AllstateAllstate
$54/mo
Progressive
$30/mo
Progressive
$29/mo
Progressive
$30/mo
Progressive
$33/mo
Progressive
$36/mo
Progressive
$37/mo
Progressive
$31/mo
Progressive
$30/mo
State FarmState Farm
$72/mo
State FarmState Farm
$53/mo
TravelersTravelers
$137/mo

Cheapest Liability Auto Insurance in Kansas

For drivers in Kansas, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Kansas. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Kansas.

Cheapest Full Coverage Auto Insurance in Kansas

For drivers in Kansas, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Kansas. The following are the best insurance rates from carriers that offer full coverage auto insurance in Kansas.

Kansas Driving Facts

kansas

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.

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 Company
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 Company
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 Company
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 Company
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 Company
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.

Insurify Insights: How Kansas Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Kansas drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Kansas

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. Among all fifty states, Kansas drivers rank 28 in the number of car accidents per driver.

  • Rank of States: #28
  • Percent of drivers in Kansas with an accident: 9.8%
  • Drivers in KS with an accident in their driving history paid on average 47.17% more than drivers with a clean record

Speeding Kansas

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Kansas drivers rank 9 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #9
  • Percent of drivers in Kansas with a speeding ticket: 12.45%
  • Drivers in KS with a speeding ticket in their driving history paid on average 44.03% more than drivers with a clean record

DUI/DWIs Kansas

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kansas drivers rank 26 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #26
  • Percent of drivers in Kansas with a DUI: 1.91%
  • Drivers in KS with a DUI in their driving history paid on average 5.66% more than drivers with a clean record

Most Popular Vehicle Kansas

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Kansas is the Ford F-Series Pickup.

Rude Kansas

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Kansas drivers rank 8 in rude driving infractions.

  • Rank of States: #8
  • Percent of drivers in Kansas with a reckless driving violation: 2.58%
  • Drivers in KS with a reckless driving violation in their driving history paid on average 40.25% more than drivers with a clean record.

Safest Drivers Kansas

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Kansas drivers rank 31 in clean driving records across all fifty states.

  • Rank of States: #31
  • Percent of drivers in Kansas with clean record: 79.06%

Street Racing Kansas

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Kansas drivers rank 22 in street racing violations per driver.

  • Rank of States: #22
  • Percent of drivers in Kansas with a street racing violation: 0.01%

Failure to Yield the Right of Way Kansas

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kansas drivers rank 11 in failure to yield violations per driver across all fifty states.

  • Rank of States: #11
  • Percent of drivers in Kansas with a failure to yield violation: 0.54%
  • Drivers in KS with a failure to yield violation in their driving history paid on average 66.67% more than drivers with a clean record

Reckless Drivers Kansas

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. Among all fifty states, Kansas drivers rank 26 in the number of reckless driving offenses per driver.

  • Rank of States: #26
  • Percent of drivers in Kansas with a reckless driving offense: 0.09%

Hybrid/Electric Vehicle Ownership Kansas

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kansas drivers rank 25 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #25
  • Percent of drivers in Kansas with a hybrid/electric vehicle: 0.79%

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

Garden City

Greenes Cities
% of Hybrids / Electrics
2%
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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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