Best Cheap Car Insurance in Kansas (October 2023)

If you’re looking for car insurance coverage in the Sunflower State, you have many affordable options to choose from.

In Kansas, the average cost of car insurance is $179 per month — $31 higher than the national average of $148. Insurance companies consider multiple factors when setting rates, so your quote will be unique to your individual situation.

Best car insurance companies in Kansas

Many highly rated regional and national insurers serve Kansas drivers, but the best insurance company is the one that best accommodates your needs at a price that fits your budget. Compare rates, discounts, coverage levels, and customer service ratings to determine the insurer right for you.

“Auto insurance is the most competitive insurance market in the U.S. Insurers want to grow their market share, and prices can vary greatly between carriers,” says Mark Friedlander, corporate communications director for the Insurance Information Institute.

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Best car insurance overall: State Farm

A well-known insurer serving all 50 states, State Farm has a strong financial rating from A.M. Best and the lowest monthly premiums for full-coverage policies in Kansas, at $81 per month, according to Insurify data. Discount options like the Drive Safe & Save app and Steer Clear program could help drivers of all ages lower their rates over time.

With the low rates that “cheap” auto insurers often promote and an established industry track record on par with other national competitors, State Farm is a solid overall choice for auto insurance, though some drivers may desire more from the limited discount categories available.

Best cheap car insurance in Kansas: USAA

USAA offers an extensive range of auto insurance products, including pay-as-you-drive insurance. It also has one of the lowest average rates for full-coverage insurance in Kansas, at $89 a month, according to Insurify data.

Although some other insurers may offer slightly lower rates for coverage, the cheapest insurer isn’t always the best. If you’re a member or family member of someone in the armed forces, USAA’s A.M. Best rating, discounts, and membership perks provide both extra value and peace of mind.

Most affordable car insurance in Kansas: Midvale Home & Auto

Midvale Home & Auto has the lowest liability coverage on average in Kansas, at $80 per month, according to Insurify data. An affiliate of American Family Insurance, Midvale Home & Auto may offer some of the lowest rates in Kansas due to its nine discount incentives. Midvale Home & Auto also offers comprehensive car insurance coverage.

Unfortunately, the company isn’t highly rated through the Better Business Bureau (BBB), and some drivers in Kansas may find cheaper rates or more discounts elsewhere.

Best for farmers: Farmers Alliance

Established in Kansas in 1888, Farmers Alliance has an intimate knowledge of the insurance needs both drivers and farmers in Kansas require. Farmers Alliance offers diverse insurance products, including auto, farm auto, and farmowner policies. More than 850 independent insurance agencies across the region can provide you with a policy.

Best for small-business owners: GEICO

GEICO is a well-known national insurer that provides auto coverage as well as business insurance. Auto coverages include everything from liability to optional coverages, while its business insurance offerings include general liability insurance and professional liability insurance.

GEICO offers policyholders a number of discount opportunities. It also has one of the lowest average premiums for full coverage in Kansas, at $124 per month, according to Insurify data.

Best for families: American Family

With family right in the name, American Family Insurance is a great choice for families in Kansas. At $96 per month on average, premiums for full-coverage policies are substantially lower than the state average of $179. American Family has a high A.M. Best financial strength rating, too.

An advantage to American Family policies is the number of available family-specific discounts. Drivers throughout the household may qualify for savings from customer loyalty, multi-vehicle, good driving, low mileage, and generational discounts.

Best for students: Auto-Owners Insurance

From high school students living at home to college students living away from their hometown, Auto-Owners Insurance offers a number of discounts for young drivers, such as discounts for good grades, teen driver monitoring discounts, and discounts for college students living more than 100 miles from home without a vehicle.

Auto-Owners has an A+ rating with the BBB and affordable full-coverage insurance policies, which average $105 per month.

Best for commuters: Travelers

Depending on your commute to and from work, Travelers may offer drivers some of the best options for full-coverage insurance, at $140 per month on average. Travelers has an A++ (Superior) financial strength rating from A.M. Best and is a well-known company in the insurance industry.

Lower premiums than the state average, optional accident forgiveness plans, and discounts for safe-driving habits are among Travelers’ benefits for commuters. 

Best for high-risk drivers: Dairyland

Founded in 1953, Dairyland provides auto insurance to high-risk drivers in nearly every state. This insurer helps high-risk drivers secure coverage even when they have poor or no credit and driving histories. It can provide SR-22 filings and has comparatively cheaper average rates for high-risk drivers than other high-risk insurers, like The General and Bristol West.

For instance, drivers in Kansas with Dairyland policies may pay an average of $211 per month for full-coverage insurance with a clean driving record, $283 for full coverage with a speeding ticket, $302 for full coverage with an at-fault accident, and $420 for full coverage with a DUI.

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service’s database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

How to shop for the best car insurance in Kansas

Drivers should consider many factors when shopping for car insurance, especially in Kansas.

“Consumers face a variety of weather hazards throughout the year that may include tornadoes, wildfires, snowstorms, icing, torrential rain, and hailstorms. To be financially protected from all types of road hazards, drivers should have full-coverage auto policies, which include collision and comprehensive,” Friedlander says.

Here are some other things to consider as you’re shopping for Kansas car insurance:

• You may qualify for lower rates by bundling multiple cars or other insurance products, such as homeowners insurance, under a single policy.

• Compare rates from independent agents, national brands, and online insurers to see who can offer the best rates.

• Check customer service ratings and communication options for each insurer, keeping in mind which ones don’t offer 24/7 live customer service.

How to get the cheapest car insurance in Kansas

Finding the cheapest car insurance in Kansas doesn’t necessarily mean looking for only the lowest price on minimum coverage. Friedlander notes that 80% of U.S. drivers carry optional coverages — like comprehensive and collision — to protect their vehicles from losses like weather hazards, theft, and vandalism.

“Look for the types of discounts offered by insurers, which could decrease the cost of your auto policy by 30% or more, as well as popular optional coverages, such as accident forgiveness programs. Consumers should take advantage of a very competitive marketplace and secure the most robust coverage for the best price,” Friedlander recommends.

Use these tips from the Insurance Information Institute to save even more:^[1]

• Compare insurance costs from multiple insurance companies before buying a car.

• Opt for a higher deductible.

• Reduce coverage on older cars.

• Maintain a good credit record.

• Ask about group discounts.

Minimum car insurance requirements in Kansas

All drivers purchasing an auto insurance policy in Kansas must have the following minimum required insurance coverage, as dictated by state law.^[2]

Liability-only vs. full-coverage insurance in Kansas

Kansas requires all drivers to maintain a minimum amount of liability auto insurance, which pays for damages to people or property when you’re at fault in an accident. This is often the cheapest coverage level available and might be ideal for drivers on a budget or those who use public transportation, bicycles, or walking as their main mode of transportation.

Because the minimum required insurance doesn’t cover every form of damage, additional optional auto coverages are available. For instance, collision coverage pays for the damages to your vehicle or body if you’re at fault in an accident or if the at-fault driver doesn’t have enough insurance coverage.

Comprehensive coverage pays for damages that don’t occur from a car accident, such as vandalism, theft, and weather-related instances. Full-coverage policies include liability, collision, and comprehensive coverage.^[3] A full-coverage policy might be best if you’re a frequent driver who wants to be protected from a variety of potential damage-causing events.

Below is a look at the cheapest auto insurance in Kansas by policy type. You’ll see that while Midvale Home & Auto and Safeco offer nearly identical average rates for liability coverage, Safeco is more expensive than Midvale for full coverage.

Bristol West is a great example of the wide range of rates available. The Kansas state average for car insurance is $179, according to Insurify data. Bristol West offers liability-only coverage lower than the state average, yet its full-coverage policies are substantially higher than the state average.

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Kansas car insurance rates by driving and accident history

No one wants to be involved in an at-fault accident. Drivers should be aware that other road incidents can also increase premium rates. From speeding tickets to driving under the influence, many mistakes are costly.

Your car insurance premium will generally go up once you file an at-fault claim. The table below shows that even a single speeding ticket can raise your rates. Each insurer will assess the seriousness of your incident, but most will raise your rate for a period of three years.

Multiple serious violations or accidents in a short period of time — or even a single DUI/DWI — might cause you to lose your insurance policy and be ineligible for renewal.^[4] Here’s a look at average monthly quotes for the cheapest car insurance in Kansas based on driving and accident history.

SR-22 insurance in Kansas

An SR-22 is a form that some drivers need to file with their state’s Department of Motor Vehicles (DMV) to prove that they meet the minimum liability insurance required by Kansas state law.

You might need to file this form through your insurance company if you’ve had your license suspended or revoked through a DUI, lapsed registration, or another serious violation. Some insurers that file SR-22s in Kansas include:

• Allstate

• American Family

• Auto-Owners Insurance

• Farmers

• Nationwide

• Progressive

• Safeco

• State Farm

• USAA

Kansas car insurance quotes by credit tier

Kansas, like most states, allows insurers to use credit-based insurance scores when setting insurance premiums. These scores indicate how likely you are to file a car insurance claim.^[5]

Though your credit score is only one factor that determines your car insurance costs, insurance companies usually charge a higher premium for drivers with poor credit scores than drivers with excellent or good credit scores.

Car insurance quotes in Kansas cities

You may be surprised to learn that your location — even two different ZIP codes in the same city — can have a large effect on car insurance rates. In Emporia, for example, average rates are 32% lower than the state average, while Wichita’s rates exceed the state average by 15%.

These and other cities may reflect drastically different rates for many reasons. For example, Emporia has a population of approximately 24,000, while Wichita has close to 400,000, according to U.S. Census Bureau data. A higher population could increase the risk for accidents, vandalism, and car theft. In fact, in 2019 there were only 18 motor vehicle thefts reported in Emporia and 2,305 in Wichita.^[6]

Least expensive cities in Kansas

Most expensive cities in Kansas

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Kansas car insurance rates by driver age

Parents of teenage drivers will be the first to tell you that age has a significant effect on car insurance rates. Teenagers are four times more likely to be involved in a car crash per mile driven than drivers older than 20, according to the Insurance Institute for Highway Safety (IIHS).^[7] Older drivers, particularly those older than 55, are more likely to obey traffic laws and drive in a more courteous manner.^[8]

In Kansas alone, the average teenager pays $347 monthly, while drivers in their 50s pay only $129. The table below shows average monthly quotes for car insurance by age in Kansas.

Kansas car insurance FAQs

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 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

• Accidents in 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. 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%
• DUIs in Kansas

  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 in 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. 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%
• Rude Driving in Kansas

  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%
• Speeding in Kansas

  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%
• Failure to Yield Rates in Kansas

  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.