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| Cheapest Companies | |
|---|---|
Progressive | $29/mo |
 State Farm | $48/mo |
 Allstate | $49/mo |
GEICO | $75/mo |
 Nationwide | $77/mo |
| Best Companies | ||
|---|---|---|
Nationwide | $77/mo | |
 American Family | $130/mo | |
State Farm | $48/mo | |
GEICO | $75/mo | |
Allstate | $49/mo | |
 Liberty Mutual | $203/mo | |
Progressive | $29/mo | |
 Travelers | $108/mo |
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.
| City | Cheapest Carrier | |
|---|---|---|
| Wichita |  Allstate | $57/mo |
| Kansas City |  State Farm | $72/mo |
| Olathe | Allstate | $53/mo |
| Topeka | Allstate | $50/mo |
| Lawrence | Allstate | $54/mo |
| Manhattan | Progressive | $30/mo |
| Salina | Progressive | $29/mo |
| Hutchinson | Progressive | $30/mo |
| Leavenworth | Progressive | $33/mo |
| Dodge City | Progressive | $36/mo |
| Garden City | Progressive | $37/mo |
| Junction City | Progressive | $31/mo |
| Emporia | Progressive | $30/mo |
| Derby | State Farm | $72/mo |
| Hays | State Farm | $53/mo |
| Overland Park |  Travelers | $137/mo |
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 companies | |
|---|---|
 State Auto | $72/mo |
 Kemper Preferred | $73/mo |
Travelers | $82/mo |
 Safeco | $88/mo |
 SafeAuto | $90/mo |
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.
| Cheapest companies | |
|---|---|
Travelers | $152/mo |
Kemper Preferred | $154/mo |
 Midvale Home & Auto | $162/mo |
Nationwide | $168/mo |
State Auto | $179/mo |
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:
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.
| Insurance Company | |
|---|---|
Progressive | $29/mo |
State Farm | $48/mo |
Allstate | $49/mo |
GEICO | $75/mo |
Nationwide | $77/mo |
| Insurance Company | |
|---|---|
American Family | $33/mo |
State Farm | $38/mo |
Progressive | $40/mo |
| Insurance Company | |
|---|---|
USAA | $30/mo |
State Farm | $42/mo |
Allied | $44/mo |
| Insurance Company | |
|---|---|
USAA | $32/mo |
American Family | $33/mo |
Auto Owners | $34/mo |
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 Company | |
|---|---|
USAA | $17/mo |
Auto Owners | $23/mo |
Farm Bureau Financial | $32/mo |
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:
You can also use the online system in Kansas to set appointments, check-in, renew licenses and access records.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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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