Cheap Car Insurance in Kansas (February 2024)

Safeco is the cheapest car insurance company for Kansas drivers, with liability rates starting at $54 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxManaging Editor
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated February 26, 2024 at 11:00 AM PST

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In Kansas, the overall average cost of car insurance is $123 per month. By comparison, the national average is $156 per month. The Sunflower State's low population density and fewer number of vehicles on the road may contribute to its moderate car insurance costs.[1] Fewer vehicles and less traffic congestion can mean fewer accidents to generate insurance claims.

But Kansas drivers also need to protect their vehicles from some serious natural risks like tornadoes, wildfires, and floods. If you drive in Kansas, it's a good idea to compare car insurance quotes from multiple companies to find the coverage you need at the best price available to you.

Quick Facts
  • Full-coverage car insurance averages $168 per month in Kansas, according to Insurify data. The average for minimum coverage is $77.

  • Less than 1% of Kansas' 58,734 traffic accidents in 2022 (the latest data available) were fatal, state Department of Transportation data shows.

  • In Kansas, insurance companies can use your credit history to generate a credit-based insurance score which they use to estimate your likelihood of filing a car insurance claim.

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, customer service and financial 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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Rates start at $54 per month for minimum-coverage policies

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Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality (IQ) Score
Midvale Home & AutoOverall$65N/A
SafecoGood drivers$543.8
American FamilyFamiliesN/A4.3
Auto-Owners InsuranceStudentsN/A4.0
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best overall car insurance in Kansas: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$110/mo

Midvale Home & Auto has the some of the lowest rates in Kansas, according to Insurify data. A wholly owned subsidiary of American Family Insurance, Midvale Home & Auto helps Kansas drivers save with may offer some of the lowest rates in Kansas due to its discounts, including ones for paying in full at the beginning of the policy term, being a good student or insuring multiple vehicles with the company. Midvale has a lower-than average number of complaints in the National Association of Insurance Commissioners consumer complaint index.

Pros
  • Offers discounts for bundling home and auto policies

  • Lowest liability-only coverage available, on average

  • Provides optional coverages, like emergency roadside assistance and loan/lease gap insurance

Cons
  • Offers fewer discounts than some competitors

  • May not be the cheapest option for drivers with moving violations

  • No accident forgiveness coverage

Best for good drivers: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
808
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo

A Liberty Mutual company, Safeco offers multiple incentives for safe drivers, including a diminishing deductible program, and cash back for drivers who remain claims-free for six months. The company's RightTrack telematics program rewards drivers for enrolling and participating in the program. Safeco says good drivers could save up to $513 per year on the program, and keep the discount for the life of their policy.

Pros
  • Strong incentives for good drivers

  • Some of the lowest rates in Kansas

  • Lower-than-average complaints with the NAIC

Cons
  • Much-lower-than-average customer satisfaction in 2023 J.D. Power U.S. Auto Insurance Study

  • No gap insurance available

  • Can't complete policy purchase online

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Best for families: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$77/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$174/mo

With family right in the name, American Family Insurance is a great choice for families in Kansas. Besides competitive rates, American Family offers discounts that may be particularly beneficial to families, including multi-vehicle, multi-product (bundling), loyalty, good student, student away at school, and young volunteer discounts. The insurer will even give young drivers a discount on their own policy if their parents are also insured with American Family.

Pros
  • Higher-than-average rankings in J.D. Power 2023 U.S. Auto Insurance Study

  • Numerous discount and coverage options

  • A (Excellent) rating from AM Best for financial strength

Cons
  • Only available in 19 states

  • Only drivers 55 and older can receive discount for defensive driving program

  • Teen drivers may lose their discounts if they have a traffic violation or at-fault accident

Prices are higher than expected.

Tyrone - October 9, 2023
Verified

They're OK but too expensive.

Sally - July 21, 2023
Verified

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023
Verified
Read our American Family review

Best for students: Auto-Owners Insurance

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
821
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$82/mo

From high school students living at home to college students living away from their hometown, Auto-Owners Insurance is a super-regional insurer that offers a number of discounts for young drivers. New drivers can score discounts for good grades, driver monitoring, and being a college student living more than 100 miles from home without a vehicle.

Pros
  • Multiple discounts for students

  • Above-average rating in 2023 J.D. Power U.S. Auto Insurance Study

  • A++ (Superior) AM Best financial strength rating

Cons
  • Available in only 26 states

  • No rideshare coverage available

  • Must work with an agent to buy a policy

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

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 this comprehensive data, 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 or renters insurance, under a single policy.

  • Compare rates from independent agents, exclusive agents from 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.

Learn More: Bundle Home and Auto Insurance: Save with Discounts

Learn More: Bundle Home and Auto Insurance: Save with Discounts

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:[2]

  • Compare insurance costs from at least three insurance companies before buying a car.

  • Opt for higher deductibles on collision and comprehensive coverages.

  • 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.[3]

Coverage TypeAmount
Liability coverage
  • $25,000/person for bodily injury
  • $50,000/accident for bodily injury
  • $25,000/accident for property damage
Personal injury protection (PIP)
  • $4,500/person for medical expenses
  • $900/month for one year for disability/loss of income
  • $25/day for in-home services
  • $2,000 for funeral, burial, or cremation expenses
  • $4,500 for rehabilitation expense


 

Uninsured/underinsured motorist coverage
  • $25,000/person
  • $50,000/accident

Liability-only vs. full-coverage insurance in Kansas

Kansas requires all drivers to maintain a minimum amount of liability auto insurance, which pays for property damages and injuries to other people 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. But insurance professionals typically warn that liability-only coverage can expose you to financial loss if you cause an accident.

Because the minimum required insurance doesn’t cover every form of damage, additional optional auto coverages are available.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision

    Collision coverage pays for the damages to your vehicle if you’re at fault in an accident. It can also pay for damage from rollover accidents or hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap

    If an accident totals your financed or leased vehicle, your insurance payout might not be enough to pay off your auto loan or lease. Gap insurance can cover the difference between your outstanding loan balance and insurance payout.

The following table shows average monthly quotes from top insurers in Kansas.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
Midvale Home & Auto11065
Safeco11754
CSAA16590
Liberty Mutual17172
Dairyland17165
National General17680
Direct Auto18592
The General20497
Bristol West22684
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

Unless you have accident forgiveness coverage, 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 three to five years, depending on the insurer.

Multiple serious violations or accidents in a short period of time — or even a single DUI — 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 liability car insurance in Kansas based on driving and accident history.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean RecordAt-Fault AccidentDUISpeeding Ticket
Safeco54828976
Dairyland659210887
Liberty Mutual72108119101
National General80113132104
Bristol West84117139111
CSAA90132149121
Direct Auto92134138125
The General97140160130
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

Check Out: The Complete Guide to SR-22 Insurance

Check Out: The Complete Guide to SR-22 Insurance

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 history 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. Cities may have 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.

The following table illustrates average monthly car insurance rates in Kansas cities.

CityFull Coverage Liability Only 
Garden City$144$69
Kansas City$205$92
Lawrence$173$80
Topeka$167$76
Wichita$198$89
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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).[6] Older drivers, particularly those older than 55, are more likely to obey traffic laws and drive in a more courteous manner.[7]

In Kansas, the average teenager pays $298 monthly for full coverage car insurance, while drivers in their 40s pay only $138. The table below shows average monthly quotes for car insurance by age in Kansas.

Age GroupAverage Monthly Quote
Teenagers$298
Under 25$247
20s$183
30s$165
40s$138
50s$129
60s$114
70s$115
80+$123
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Kansas car insurance FAQs

As you’re shopping for car insurance in the Sunflower State, it’s helpful to know the minimum insurance requirements and rules of the road. Here’s some additional information that could help in your search.

  • What company has the cheapest car insurance in Kansas?

    Each driver will receive an auto insurance quote tailored to their needs and reflecting their unique factors like age, driving history, and type of vehicle driven. In Kansas, Safeco offers the lowest car insurance rates, with liability quotes as low as $54.

    Kansas drivers can also find affordable rates from Dairyland and Midvale Home & Auto, the second- and third-cheapest companies in the state. Dairyland's rates for liability coverage start at $65 per month, and Midvale Home & Auto has monthly rates as low as $65.

  • What is the required car insurance coverage in Kansas?

    Kansas state law requires all drivers to maintain a minimum amount of liability coverage, personal injury protection (PIP) coverage, and underinsured/uninsured motorist coverage.

    Liability coverage covers the damages and injuries you cause a person or piece of property in an at-fault accident. PIP covers medical, disability, and funeral-related expenses resulting from the accident. Uninsured/underinsured motorist coverage protects you in the event that the motorist who caused the accident doesn’t have enough insurance to cover the damages. It also covers damages from hit-and-run accidents.

  • What are the best car insurance companies in Kansas?

    One way to identify the best car insurance companies in Kansas is to look at a variety of ratings and rankings from organizations like J.D. Power, and AM Best. In Kansas, Midvale Home & Auto, Safeco, and American Family are among the best insurance companies.

  • How does credit affect car insurance premiums in Kansas?

    Kansas insurance companies are permitted to use credit-based insurance scores to set premiums for policyholders. Although many factors influence these scores, the driver’s credit history can have a significant effect, resulting in drivers with lower credit scores getting higher rates or drivers with higher credit scores receiving lower rates.

  • Is Kansas a no-fault state?

    Yes. Kansas is a no-fault state, which means that a driver must file a claim with their auto insurance company after an accident or incident regardless of whose fault it is.[8]

    Because of this, Kansas drivers are required to maintain the following minimum amount of personal injury protection (typically called PIP or no-fault insurance):

    • $4,500/person for medical expenses

    • $900/month for one year for disability/loss of income

    • $25/day for in-home services

    • $2,000 for funeral, burial, or cremation expenses

    • $4,500 for rehabilitation expenses

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

#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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S Department of Transportation Federal Highway Administration. "Highway Statistics 2022." Accessed February 22, 2024
  2. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed April 17, 2023
  3. Kansas Insurance Department. "Auto Insurance." Accessed April 17, 2023
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?." Accessed April 17, 2023
  5. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed April 17, 2023
  6. Insurance Institute for Highway Safety. "Teenagers." Accessed April 17, 2023
  7. Insurance Information Institute. "Senior driving safety and insurance tips." Accessed April 17, 2023
  8. Insurance Information Institute. "Background on: No-fault auto insurance." Accessed April 17, 2023
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Ashley Cox
Edited byAshley CoxManaging Editor
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Ashley CoxManaging Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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