Cheapest Auto Insurance in Kansas (2024)

Safeco offers the cheapest car insurance in Kansas, with rates starting at $54.

Lindsay VanSomeren
Lindsay VanSomeren
  • 8 years in insurance and personal finance writing

  • Former data scientist for U.S. Geological Survey

Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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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 March 18, 2024

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If you live in Kansas, here’s some good news: Your car insurance rates are less than the national average. The average Kansas driver pays $77 per month for minimum-coverage car insurance and $172 per month for full coverage.

From Kansas City to Dodge City and beyond, Kansas drivers generally get into fewer accidents — and when they do, they file claims at lower rates and for a smaller amount than people living in other states.[1] This translates into lower costs for everyone, but you can do things to save even more.

Quick Facts
  • Safeco offers the cheapest car insurance rates in Kansas, starting at $54.

  • Kansas is a no-fault state, and the minimum requirements include coverage for PIP, liability, and uninsured/underinsured motorists.[2]

  • In 2022, 17% of Kansas car accidents involved deer and 4% involved alcohol.[3]

3 of the cheapest car insurance companies in Kansas

The best car insurance company for you depends on many different factors, including your age, gender, marital status, driving record, ZIP code, and more. This is why it’s important to compare quotes from multiple insurers to find the best policy for you.

As you begin your search, keep the following three insurers in mind.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
Safeco3.8$117$54One-stop shopping
Dairyland3.3$168$64High-risk drivers
Midvale Home & Auto3.7$114$65Families
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 insurer for one-stop shopping: 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.
825
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

Safeco charges some of the lowest average rates for a minimum-coverage policy in the state. The company also offers many ways to save, including diminishing deductible and accident forgiveness. And good drivers can save up to 30% by using its mobile app.

While Safeco doesn’t offer a ton of individual coverage options for your car, it’s a handy choice if you’re looking to round out all your insurance needs with one company. Safeco also offers options for homeowners, renters, pet owners, and more.

Pros
  • Highly rated mobile app[4]

  • Cheapest car insurance rates

Cons
  • Sparse coverage options

  • Poor customer service ratings overall[5]

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 insurer for high-risk drivers: Dairyland

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.
3.3
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.
$174/mo

Getting your license reinstated after it has been revoked can be expensive, but you can at least save the extra fee to file a form SR-22 with Dairyland. Many insurers charge you in order to submit this form to the state. Dairyland can also help if you’re interested in a non-owner car insurance policy.

Dairyland is an all-around cheaper option for regular drivers buying minimum coverage. It offers a few discounts that can help lower the cost further, such as those for new customers or for paying for your policy in full.

Pros
  • No SR-22 filing fee

  • Many coverage options

Cons
  • Only offers vehicle insurance

  • Expensive full-coverage premiums

They have been good to my family.

Jonna - November 27, 2023
Verified

I'm not too happy with the price.

christal - November 13, 2023
Verified

Not willing to work with me on anything.

Wendy - July 29, 2023
Verified
Read our Dairyland review

Best insurer for families: 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.
$114/mo

Midvale Home & Auto is a division of American Family, and true to its parent company’s name, it offers specific discounts for teen drivers who earn good grades and those who leave their cars at home while going to college more than 100 miles away.

Purchasing a policy from Midvale can be difficult at times due to its poorly designed website. It also has a just-OK AM Best financial stability rating of A, while the best car insurance companies are rated as A++.[6] Still, it’s worth checking your rates to see what it can offer.

Pros
  • Special discounts for students

  • Offers homeowners and renters insurance

Cons
  • Lower financial strength rating than some insurers

  • Quotes not always available online

Find Cheap Car Insurance in Kansas

Liability rates start at $54 per month

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How to get the cheapest car insurance in Kansas

Car insurance companies base your price on a lot of factors, such as your ZIP code, age, and gender. The good news is that you have control over some of the factors affecting your car insurance rates, including your credit score and which company you choose to buy a policy from.

Here are some quick tips to help you save as much money as possible on your car insurance:

  • Get several car insurance quotes every time your policy is up for renewal.

  • Look for the best deals and discounts insurance companies offer, especially for using a telematics device or mobile app to rate your driving.

  • When buying a car, consider one with more safety features, such as adaptive cruise control, automated braking, or backup cameras.

Cheapest liability-only car insurance in Kansas: Safeco

Kansas state law requires you to purchase liability insurance, and if you’re looking to maximize your annual savings, a minimum-coverage policy is the way to go. This coverage will pay for any damages you may cause to others while driving and help with the cost of defending yourself in court. But liability insurance won’t pay for your damages or injuries.

Liability insurance in Kansas costs an average of $77 per month.

Here, you can see the lowest average rates from leading insurers in Kansas.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
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 CompanyAverage Monthly Quote
Safeco54
Dairyland65
Midvale Home & Auto65
Liberty Mutual71
National General81
Bristol West85
CSAA90
Direct Auto92
The General98
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.

Cheapest full-coverage car insurance in Kansas

Full-coverage policies include all the minimum-required coverages, plus collision and comprehensive insurance to protect your car against damage. Lenders frequently require you to carry a full-coverage policy, but if you’ve paid off your car, it’s optional.

Kansas drivers pay a monthly average of $172 for full-coverage insurance.

Here, you can see full-coverage rates available from leading insurers in Kansas.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
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 CompanyAverage Monthly Quote
Travelers108
Midvale Home & Auto114
Safeco117
State Auto156
CSAA167
Liberty Mutual172
Dairyland174
National General180
Direct Auto185
The General209
Bristol West231
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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Car insurance requirements in Kansas

Kansas is one of the few no-fault states in the country. This means insurers in Kansas generally reimburse their own drivers for medical bills after a car accident rather than seeking payment from the other driver’s insurance company. Because of this, Kansas law sets higher minimum requirements for coverage than is typical in other states.

You can see the minimum requirements in Kansas in the table below:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000
Personal injury protection$4,500 per person for medical expenses
Uninsured and underinsured motorist$25,000 per person / $50,000 per accident

The table above outlines the state’s minimum requirements, but in some cases, you may want to purchase higher limits of coverage, including:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays to fix or replace your car if it’s in an accident, and some lenders may require it (along with comprehensive) as a part of a full-coverage policy.

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

    Comprehensive coverage

    Comprehensive insurance pays for non-collision damage to your car, such as from hailstorms, riots, falling trees, or hitting wildlife.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance helps pay for sending assistance if you break down or run into other problems on the road, like getting stuck in a ditch or locked out of your car.

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Gap coverage

    If your car is totaled in an accident, gap insurance kicks in to pay the remaining balance (if any) on your auto loan or lease after you receive a payout.

Cheapest car insurance for drivers with an incident

Your driving record has a huge influence on your car insurance bill. Any negative marks — even a speeding ticket — can lead to higher premiums, as insurers will deem you to be a higher risk. If you have a conviction for driving under the influence or a history of one or more at-fault accidents, your rates may increase even further.

In the sections that follow, you’ll see how individual incident types can affect your rates in Kansas.

Shop for Car Insurance in Kansas

Monthly rates start at $75 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Safeco

If you’re caught speeding even once, insurers may still raise your rates to guard against future instances of costly claims. In 2022, speeding Kansas drivers were involved in car accidents that injured 2,054 people and killed 93 people.[7]

The average cost of car insurance for Kansas drivers with a speeding ticket is $250 per month for a full-coverage policy and $112 per month for the minimum amount of car insurance. Here, you can see how a speeding ticket affects your rates compared to a clean record in Kansas.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
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 Driving RecordWith Speeding Ticket
Safeco5477
Dairyland6587
Liberty Mutual7199
National General81106
Bristol West85112
CSAA90121
Direct Auto92124
The General98131
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.

Cheapest car insurance for drivers with an at-fault accident: Safeco

If you cause one auto accident, insurers generally raise your rates because they see you as more likely to file a claim again.

Sunflower State residents with an at-fault accident on their driving record typically pay $269 for full coverage and $120 for liability coverage.

Here’s how much a car insurance policy typically costs from leading insurers in Kansas for drivers with an accident on their record.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
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 Driving RecordWith Accident
Safeco5482
Dairyland6593
Liberty Mutual71106
National General81115
Bristol West85118
CSAA90132
Direct Auto92133
The General98141
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.

Cheapest car insurance for drivers with a DUI: Safeco

People caught behind the wheel while under the influence of alcohol or other drugs typically pay the highest rates of any Kansas residents. That’s because this is one of the riskiest things you can do as a driver, and about 1 in 4 people goes on to become a repeat offender.[8]

Alcohol was involved in about 4% of all Kansas car crashes in 2022, resulting in the deaths of 95 people.[7]

It’s still possible to find coverage, even with a DUI on your record. Here are the most affordable car insurance rates for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
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 Driving RecordWith DUI
Safeco5489
Dairyland65108
Liberty Mutual71118
National General81134
Bristol West85141
CSAA90149
Direct Auto92152
The General98162
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.

Cheapest car insurance for seniors: Safeco

The average cost of car insurance changes as you age. Rates are typically lower for middle-aged drivers, while prices start to increase again once you reach age 70. After this age, your risk of getting into a car accident starts to rise.

Senior drivers in Kansas looking for cheap car insurance pay an average of $51 per month for liability car insurance and $114 for full coverage.

The following companies offer the cheapest car insurance rates for seniors in Kansas:

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Safeco4290
Dairyland48127
Liberty Mutual52127
National General60134
Bristol West61167
CSAA63116
Direct Auto64128
The General73156
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.

Cheapest car insurance for teens: Safeco

Teen drivers typically pay the highest car insurance costs of any age group, and Kansas teens are no exception. This is because teen drivers are statistically more likely to get into an accident, and drivers younger than 25 were involved in 97 fatal crashes in Kansas in 2022.[8]

Male teens, in particular, pay more for policies than other family members, but teens still have ways to save money — especially if they’re able to switch to a more affordable insurer.

Rates for families with Kansas teens start at $96, and you can see the rates available from top insurers in the table below.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Safeco96208
Dairyland105281
Liberty Mutual119289
Bristol West140382
CSAA150278
National General154341
The General155332
Direct Auto167336
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.

Find Cheap Car Insurance in Kansas

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Kansas car insurance quotes by credit tier

Having a good credit score correlates with being at a lower risk of filing a claim. That’s why insurers generally review your credit history during the underwriting process.

If you have poor credit, you can expect the cost of car insurance to go up, unfortunately. Here’s how much it may increase.

Rates by Credit Tier

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

If you still have questions about finding the lowest-cost car insurance in Kansas, the following answers can help.

  • How much is car insurance in Kansas?

    The average rate for liability-only insurance in Kansas is $77, and the average rate for full coverage is $172. These rates make Kansas one of the more affordable states in the nation for car insurance.

  • Who has the cheapest car insurance in Kansas?

    Safeco offers the cheapest car insurance rates in Kansas, starting at $54. Other affordable insurers in the state include Dairyland and Midvale Home & Auto, with respective monthly liability rates of $65 and $65.

    But the cheapest company for you will depend on many factors, such as your age, ZIP code, type of car you drive, and coverage levels you choose.

  • What are the best car insurance companies in Kansas?

    Safeco, Midvale Home & Auto, and Dairyland rank as three of the top insurers in Kansas. Safeco routinely offers some of the state’s most competitive rates, while Midvale Home & Auto offers several discounts that make it an appealing option for families. Meanwhile, if you’re a high-risk driver, Dairyland offers more affordable coverage than you’ll find with many other insurers.

  • What’s the cheapest type of car insurance in Kansas?

    The most affordable car insurance is liability coverage. Liability coverage rates are lower because this type of coverage only covers damage and injury costs that other parties suffer in an accident you cause. It doesn’t provide any coverage for your own expenses.

  • How can you find the cheapest car insurance in Kansas?

    The best way to find the most affordable car insurance for you is to compare quotes from multiple insurers at the same time using a price-comparison platform. This allows you to review not only premium prices but also the amount of coverage you’re getting for your money.

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. Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons." Accessed March 8, 2024
  2. Kansas Insurance Department. "Auto Insurance." Accessed March 8, 2024
  3. Kansas Department of Transporation. "2022 Kansas Traffic Crash Facts." Accessed March 8, 2024
  4. App Store. "Safeco Mobile." Accessed March 11, 2024
  5. Better Business Bureau. "Safeco Insurance Company." Accessed March 11, 2024
  6. AM Best. "Midvale Indemnity Company." Accessed March 11, 2024
  7. Kansas Department of Transportation. "Speed Related Crashes by Age Group." Accessed March 11, 2024
  8. NHTSA. "Traffic Safety Facts." Accessed March 11, 2024
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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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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