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Cheap Car Insurance in Kansas (With Quotes, May 2022)

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Janet Hunt

By: Janet Hunt

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Kansas is $197 per month, or $2,369 annually.
  • Travelers is the cheapest provider we found in Kansas, with average premiums of $133 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Kansas

Driving across Kansas is a true Americana experience. And when you drive in the Sunflower State, you’ll want to make sure your car insurance meets Kansas state requirements. With so many companies, it’s hard to know who has cheap car insurance rates. To find the best rates, use Insurify to compare quotes from different providers.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Kansas

How much is car insurance in Kansas?

The average cost of car insurance in Kansas is $197 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Some insurance providers are able to offer cheaper coverage than others. To help you find the most affordable car insurance coverage, use the table below to compare quotes showing how much a car insurance policy costs from various auto insurers in Kansas. Keep in mind that your auto insurance rates will vary based on many factors, so you should always compare quotes!

Car Insurance CompanyAverage Monthly Quote
Travelers$133
Kemper Preferred$142
Midvale Home & Auto$143
Dairyland$145
SafeAuto$146
State Auto$155
Safeco$164
Acuity$177
Nationwide$177
Bristol West$206
The General$222
Liberty Mutual$245
Stillwater$367
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Cheapest Liability Auto Insurance in Kansas

If you are looking to lower auto insurance costs, you can consider buying a liability-only policy. Liability car insurance pays for any property damage or injuries to others if you are at fault in a car accident. Here are the average car insurance premiums for the cheapest liability-only coverage in Kansas.

Car Insurance CompanyAverage Monthly Quote
Acuity$46
Kemper Preferred$74
State Auto$75
Travelers$82
Safeco$87
SafeAuto$89
Dairyland$89
Midvale Home & Auto$93
Bristol West$127
Nationwide$158
The General$159
Liberty Mutual$179
Stillwater$521
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Car Insurance in Kansas

Full-coverage car insurance is liability coverage plus physical damage coverage for your own vehicle (comprehensive coverage and collision coverage). If you own a higher-value car or are financing through a lender, you’ll likely need a full-coverage policy. Here are the cheapest full-coverage insurance providers in Kansas.

Car Insurance CompanyAverage Monthly Quote
Travelers$151
Midvale Home & Auto$162
Kemper Preferred$162
SafeAuto$168
Nationwide$179
Acuity$180
State Auto$184
Safeco$191
Dairyland$203
Bristol West$270
The General$283
Liberty Mutual$297
Stillwater$358
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Kansas

While price is certainly an important factor, the cheapest provider might not always be the most quality. The following insurance companies are top-rated carriers based on the Insurify Composite Score, which is based on the quality, reliability, and health of an insurance provider. Use the table below to see how much a Kansas car insurance policy costs from these insurers.

Car Insurance CompanyICSAverage Monthly Quote
Nationwide89$177
Safeco86$164
Liberty Mutual82$245
Travelers80$133
State Auto76$155
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

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Kansas Car Insurance Rates by Driving and Accident History

Insurance companies use a methodology to determine car insurance rates based on your driving history. If you have at-fault accidents, speeding tickets, or a DUI, you can expect to pay more for Kansas auto insurance. Use the tables below to find the cheapest car rates based on your driving record.

See More: High-Risk Car Insurance Kansas

Cheap Car Insurance for Good Drivers in Kansas

Drivers with a clean driving record receive the best rates for auto insurance. A good driver is generally considered to be someone with no minor traffic violations, such as a speeding ticket, on their record for the past three years and no major violations in the past five to seven years. The table below lists the average quotes for drivers in Kansas with no violations.

Car Insurance CompanyAverage Monthly Quote
Travelers$125
Midvale Home & Auto$126
SafeAuto$128
State Auto$132
Kemper Preferred$133
Dairyland$135
Safeco$145
Acuity$150
Nationwide$163
Bristol West$180
The General$194
Liberty Mutual$219
Stillwater$323
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Kansas

If you have a DUI violation on your driving record, you can expect your car insurance rates to increase. You will have to wait for the DUI to fall off your driving record (typically three years) for your car insurance rates to go down. In the meantime, you can use the table below to find the average quotes for Kansas drivers with DUIs on their record.

Car Insurance CompanyAverage Monthly Quote
Dairyland$129
Travelers$130
SafeAuto$162
Safeco$171
Midvale Home & Auto$175
The General$212
Bristol West$238
Liberty Mutual$243
Nationwide$272
Acuity$340
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Kansas

SR-22 Insurance in Kansas

For more serious driving violations, the court may require you to carry a certificate of financial responsibility known as an SR-22. This form provides proof that your auto insurance meets the state’s minimum liability insurance requirements. You can check with local insurance agents to find out if they represent any of these carriers offering SR-22 insurance.

*USAA auto insurance is exclusively available to active duty and retired military members and their families.

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

If you are involved in an at-fault accident, you can expect your car insurance rates to increase. How much your rates will increase depends on the details of the accident and whether you have previous at-fault accidents on your driving record. Use this table to find the cheapest rates for Kansas drivers with at-fault accidents on their driving records.

Car Insurance CompanyAverage Monthly Quote
Travelers$141
Kemper Preferred$164
Dairyland$186
Midvale Home & Auto$196
SafeAuto$199
Nationwide$202
Safeco$211
State Auto$215
Stillwater$239
Acuity$287
Bristol West$293
The General$315
Liberty Mutual$317
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Kansas

A speeding ticket will generally stay on your driving record for three years. Until those three years are up, your rates will likely go up. Focus on improving your driving record until you can once again qualify for a lower car insurance rate. Use this table to find cheap auto insurance rates for Kansas drivers with speeding tickets on their driving records.

Car Insurance CompanyAverage Monthly Quote
Travelers$164
Dairyland$170
Kemper Preferred$173
SafeAuto$189
Midvale Home & Auto$192
State Auto$201
Safeco$212
Acuity$216
Nationwide$251
Bristol West$276
The General$295
Liberty Mutual$331
Stillwater$508
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Kansas Car Insurance Rates by Credit Tier

Insurers may use a credit-based insurance score to help decide if you are a good risk. Good credit drivers qualify for the best rates, while drivers with bad credit are considered high-risk. The average monthly car insurance rates for drivers with excellent, good, average, and poor credit are listed below.

Credit TierAverage Monthly Quote
Excellent$165
Good$176
Average$205
Poor$255
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Kansas Cities

Car insurance rates may vary by Kansas cities based on several factors, including the crime rate in a city, the city’s population, whether the area is prone to extreme weather events, and how well the local roads are maintained. The following chart shows the average car insurance rates for these major cities in Kansas.

CityAverage Monthly Quote
Wichita$203
Topeka$169
Kansas City$205
Overland Park$190
Olathe$200
Lawrence$172
Shawnee$184
Salina$147
Hutchinson$169
Manhattan$169
Leavenworth$176
Lenexa$177
Junction City$196
Pittsburg$165
Garden City$201
Mission$188
Emporia$153
Fort Riley$275
Newton$172
Derby$215
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Kansas Car Insurance Rates by Driver Age

Insurance companies know that experienced drivers are less likely to have auto accidents. Statistics show that young drivers are involved in more accidents, so they pay higher insurance premiums. Use this table to find the cheapest Kansas car insurance quotes for teen drivers, drivers under 25, drivers in their 20s, 30s, 40s, 50s, 60s, 70s, and above 80.

Age GroupAverage Monthly Rate
Teenagers$361
Under 25$217
20s$217
30s$157
40s$164
50s$150
60s$126
70s$126
80+$155
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Kansas Driving Facts

Every state has minimum insurance requirements, and Kansas is no exception. Additionally, all drivers in Kansas will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Kansas.

Minimum Car Insurance Requirements in Kansas

The minimum coverage required in Kansas include:

  • $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 DMV Information

You can visit your local Kansas DMV for the following services:

  • Drivers license renewal
  • Vehicle registration renewal
  • Driver’s license status check
  • Vehicle property tax lookup
  • Taking a driver’s exam
  • Finding driver’s education information
  • Commercial motor vehicle sources
  • Commercial driver information

Drivers can also use the DMV’s home services for online transactions, such as address changes, printing registration renewals, and ordering a driving record motor vehicle report.

Public Transportation in Kansas

There are approximately 145 public transit programs in Kansas, covering most of the state’s 105 counties. The Kansas Department of Transportation (KDOT) administers these programs funded by the Federal Transit Administration and the state of Kansas. Kansas citizens can enjoy the use of public transit services, including buses, streetcars, and trolleys.

How to Get the Cheapest Car Insurance in Kansas

There are many auto insurance companies out there, all claiming to have the best prices for auto insurance policies, but how do you know which ones really do? Finding the best car insurance rates in Kansas doesn’t have to be complicated. Use Insurify to compare average rates for Kansas car insurance, and you’ll find the cheapest auto insurance in only minutes.

Frequently Asked Questions

  • Car insurance is mandatory for all Kansas residents. The state minimum coverage requirements are $25,000/person for bodily injury liability, $50,000/accident for bodily injury liability, and $25,000/accident for property damage liability. Kansas also mandates personal injury protection (PIP) and uninsured motorist coverage.

  • Comparison-shopping allows you to choose your own deductible and any extra coverage options, such as coverage for medical expenses or loss of income coverage. By using comparison-shopping when searching for a policy, you can see the price of auto insurance from several providers at the same time, helping you find the best value for your money.

  • The price of car insurance in Kansas is determined by several factors, including your driving history, age, gender, marital status, credit history, location, and more. The cost for car insurance in Kansas is around 30 percent lower than the national average.

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

#9

State with the Most Speeding Tickets Rank

#21

State with the Moving Violations Rank

#26

State with the Most DUIs Rank

#5

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 #29 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #29
    • Percent of drivers in Kansas with an accident: 9.7%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in KS who have a current at-fault accident on their driving record pay 47.17% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Kansas is the #9 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #9
    • Percent of drivers in Kansas with a speeding ticket: 12.45%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in KS with a speeding ticket in their driving history pay on average 44.03% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kansas is the #26 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #26
    • Percent of drivers in Kansas with a DUI: 1.91%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in KS with a DUI in their driving history pay on average 5.66% more than drivers with a clean record.
  • 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 #8 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #8
    • Percent of drivers in Kansas with a rude driving violation: 2.58%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in KS with a rude driving violation in their driving history pay on average 40.25% more than drivers with a clean record.
  • 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 #26 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #26
    • Percent of drivers in Kansas with a reckless driving offense: 0.09%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kansas is the #11 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #11
    • Percent of drivers in Kansas with a failure to yield violation: 0.54%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in KS with a failure to yield violation in their driving history pay on average 66.67% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Kansas is the #31 state in the country for drivers with a clean record.

    • Rank among states: #31
    • Percent of drivers in Kansas with a clean record: 79.06%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • 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 among states: #25
    • Percent of drivers in Kansas with a hybrid/electric vehicle: 0.79%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Janet Hunt
Janet Hunt

Content Writer at Insurify

Janet Hunt received her B.S. in Business Administration with the University of Phoenix. She has worked in the insurance industry for over 20 years. Janet likes to spend her spare time coming up with gourmet recipes and trying them out on her guests. So far, all have survived.

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