Cheapest Car Insurance Quotes in Kansas
Kansas drivers can pay as little as $52 per month for coverage through State Farm. Shop real-time quotes for Kansas and buy your policy all in one place with Insurify.
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Written byKat Tretina
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
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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Table of contents
- Cheap car insurance quotes in KS
- KS cheap liability-only car insurance
- KS cheap full-coverage car insurance
- Best cheap KS car insurance
- Car insurance rates in KS over time
- Kansas car insurance requirements
- Kansas car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in KS
- Affordable KS insurance with an at-fault accident
- Cheap car insurance for KS drivers with a DUI
- Affordable car insurance in KS for teen drivers
- Car insurance quotes for senior drivers in KS
- Cheap car insurance with bad credit in KS
- Kansas car insurance FAQs
Table of contents
- Cheap car insurance quotes in KS
- KS cheap liability-only car insurance
- KS cheap full-coverage car insurance
- Best cheap KS car insurance
- Car insurance rates in KS over time
- Kansas car insurance requirements
- Kansas car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in KS
- Affordable KS insurance with an at-fault accident
- Cheap car insurance for KS drivers with a DUI
- Affordable car insurance in KS for teen drivers
- Car insurance quotes for senior drivers in KS
- Cheap car insurance with bad credit in KS
- Kansas car insurance FAQs
Cheapest car insurance quotes in Kansas
In Kansas, drivers pay an average of $73 per month for liability insurance and $134 per month for full coverage.
The average cost of car insurance in Kansas is lower than the national average of $99 per month for liability insurance and $173 per month for full coverage.
We evaluated rates from leading insurers to help you find the cheapest car insurance in Kansas. Below, you can see the companies with the lowest average rates based on coverage type and driver profile in Kansas.
Driver Category | Cheapest Insurance Company in KS | Cheapest Monthly Quote in KS |
|---|---|---|
| Overall | State Farm | $52 |
| State-minimum coverage | State Farm | $52 |
| Full coverage | State Farm | $97 |
| Drivers with a clean record | State Farm | $52 |
| After a speeding ticket | State Farm | $66 |
| After an at-fault accident | State Farm | $72 |
| After a DUI | State Farm | $73 |
| Teen/new drivers | State Farm | $106 |
| Seniors | State Farm | $40 |
| Bad credit | USAA | $70 |
Disclaimer: Table data is based on real-time Kansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in Kansas: State Farm
Drivers in Kansas must have auto insurance policies that meet the state’s minimum requirements of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 for property damage liability.[1] In the Sunflower State, the companies with the lowest average liability premiums are State Farm, USAA, and Root.
The table below highlights the insurers with the lowest liability insurance rates in Kansas.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $52 |
| USAA | $57 |
| Root | $59 |
| American Family | $62 |
| CSAA | $64 |
| Auto-Owners | $68 |
| Progressive | $70 |
| Safeco | $71 |
| Dairyland | $74 |
| National General | $75 |
| Bristol West | $76 |
| GEICO | $80 |
| Travelers | $90 |
| The General | $90 |
| Direct Auto | $96 |
| Allstate | $97 |
| Farmers | $117 |
| Nationwide | $120 |
| Liberty Mutual | $120 |
| Shelter | $143 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Agent Tip: Does liability-only coverage offer enough protection?
)
Brett Clendenen
Sales Manager at Insurify, Insurify
If you cause a car accident in Kansas, your minimum-coverage policy won’t cover any of your needed vehicle repairs. For that, you need a full-coverage policy with collision and comprehensive coverage. It’s also a good idea to increase your liability coverage limits beyond Kansas’s minimum requirements to avoid a financial burden following a serious accident.
Cheapest full-coverage car insurance in Kansas: State Farm
Full-coverage policies include collision insurance, comprehensive coverage, and higher liability limits for drivers who want protection for their own vehicles. Kansas is in Tornado Alley and averages 81 tornadoes per year, according to the National Weather Service.[2]
As a result, car owners in Kansas need to protect their vehicles against potential damage from storms, including falling debris and hail, so a full-coverage policy can be worth the added cost. On average, Kansas drivers pay $134 per month for full-coverage insurance.
The table below shows the companies with the cheapest rates for full-coverage policies in Kansas.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $97 |
| USAA | $106 |
| Root | $114 |
| American Family | $114 |
| Auto-Owners | $125 |
| National General | $129 |
| CSAA | $147 |
| Progressive | $148 |
| GEICO | $148 |
| Direct Auto | $149 |
| Safeco | $161 |
| Travelers | $167 |
| Allstate | $179 |
| The General | $187 |
| Bristol West | $187 |
| Liberty Mutual | $199 |
| Farmers | $218 |
| Nationwide | $223 |
| Dairyland | $234 |
| Shelter | $266 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Kansas
Recent Kansas car insurance prices for Nissan, Toyota, Dodge , and more.
*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best cheap car insurance companies in Kansas
Finding the right auto insurer in Kansas is important. In 2025, Kansas policyholders submitted more than 82,000 storm damage claims and received more than $879 million in home and auto insurance payouts, according to the Kansas Department of Insurance.[3] It’s a good idea to look for a Kansas insurer with high rankings for claims handling, quality customer service, and affordable premiums.
Compare quotes and coverage options from three of the best car insurance companies in Kansas to protect your vehicle at an affordable rate.
State Farm: Best for customer service in Kansas
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $52/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. | $97/mo |
4.0
Best choice in KansasBased on 16,378 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Kansas for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Kansas for
Customer service
Competitive rates
Discounts for safe drivers
Showing 12 reviews from Kansas drivers - See all 7,281 State Farm reviews
Larry
Verified Review
State Farm - A Company That Has Lost Its Roots
Reviewed in Kansas on March 20, 2026
State Farm has changed a lot since big losses with forest fires and hurricane losses in California and Florida. They "established" their claims department as a separate profit center, and claims are difficult to get done. Home insurance is also very difficult as well. As an example, five homes around my home have had their roofs replaced due to hail damage. I have been with them for thirty years, and the company is not the same. Profits are driving all decisions! Getting quotes to change.
Robert
Verified Review
Happy so far
Reviewed in Kansas on February 26, 2026
I am still with State Farm for my autos.
Anthony
Verified Review
Best agents I've ever had
Reviewed in Kansas on December 9, 2025
They are really easy to work with.
Lawrence
Verified Review
Expect to be jerked around
Reviewed in Kansas on December 7, 2025
I initially really liked State Farm. Then I bought a new truck and they gave me a quote which changed 3 times. It went from approximately $1K per year to over $5K. They said it had to be classified as a commercial vehicle when it's clearly personal. The DMV even has it as personal.
Helen
Verified Review
Great Quality
Reviewed in Kansas on October 21, 2025
Great customer service.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 6, 2025
Be very careful and read everything.
Michael
Verified Review
Rates Never Drop
Reviewed in Kansas on September 17, 2025
Claims are handled quickly. Rates remain steady or increase with each renewal, even with no claims filed. There are too many high-profile endorsers for their commercials, and I believe rates are based on this.
Sheikh Mohamed Ragib
Verified Review
It was a great experience with State Farm
Reviewed in Kansas on September 8, 2025
It was great. The agent did his best to find the cheapest rate possible for me.
Michael
Verified Review
Rates rise without any claims submitted.
Reviewed in Kansas on May 12, 2025
Rates seem to increase every renewal period with no claims submitted. They must be keeping celebrity sports figures for commercial spots, I guess.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
Drivers in Kansas face several risks, including storm damage, and the state ranks No. 18 for animal-related collisions, according to State Farm.[4] Knowing you have an insurer you can count on, no matter the complexity of the claim, is key to peace of mind.
State Farm was one of the best-rated companies for customer service in Kansas in the J.D. Power U.S. Auto Insurance Study. And it has a large network of agents across Kansas, so you can get local, personalized help.
Pros
Highly rated for customer satisfaction in Kansas
Savings of up to 30% with telematics
Broad network of agents within the state
Cons
Doesn’t sell accident forgiveness or gap insurance
Poor customer rating on Trustpilot
Significantly higher rates for teen drivers
USAA: Best for service members and veterans in Kansas
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $57/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. | $106/mo |
4.9
Best choice in KansasBased on 3,262 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Kansas for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Kansas for
Members of the military community
Outstanding customer service
Competitive rates
Showing recent national reviews - See all 1,505 USAA reviews
Richard
Verified Review
USAA Outstanding!
Reviewed in California on March 23, 2026
Outstanding. I have only had to use it once for an accident, but USAA was so helpful. I have been with them for 30+ years and lived in Rhode Island, England, as well as California.
Barbara
Verified Review
Poor service and experience
Reviewed in Tennessee on March 23, 2026
They are very hard to get a hold of on the phone. I asked for a copy of my insurance and cards last month, and I have yet to receive them.
Kevin
Verified Review
Pricey
Reviewed in Louisiana on March 23, 2026
USAA is a wonderful company. The only thing is that they are expensive. I'm going to have to find something cheaper. Insurance keeps going up.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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++Why we picked this company
Kansas is home to several military installations, including Fort Leavenworth and Fort Riley, and has approximately 21,000 active-duty service members. Plus, veterans make up approximately 8% of the state’s population, according to the Housing Assistance Council.[5]
For active-duty service members, veterans, and their families, USAA offers lower-than-average rates and extra perks and benefits, such as on-base car insurance discounts and discounts on car rentals and tires.
Pros
Among the cheapest rates in Kansas
Extra perks and discounts for members
Offers car replacement assistance
Cons
Available only to Kansas residents with military connections
Fewer discount programs than other companies
Low Trustpilot rating
American Family: Best for rural drivers in Kansas
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $62/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 |
4.5
Best choice in KansasBased on 594 verified driver reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Kansas for
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Kansas for
Outstanding customer service
Flexible coverage options
Families with young drivers
Showing recent national reviews - See all 264 American Family reviews
Traynor
Verified Review
American Family NOT the best for family
Reviewed in Arizona on March 22, 2026
Prices keep going up without claims.
Stanley
Verified Review
Excellent
Reviewed in Florida on March 16, 2026
No issues. I was able to switch to garage-only coverage when away for months at a time.
Matt
Verified Review
Great carrier! They are always interested in finding my family a better value, and so far nobody can beat them.
Reviewed in Washington on March 6, 2026
Great carrier! They are always interested in finding my family a better value, and so far nobody can beat them.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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).
AWhy we picked this company
Nearly 29% of Kansas residents live in rural areas, according to the U.S. Census Bureau. Drivers in the state may benefit from purchasing coverage from American Family. Besides competitive rates and multiple discounts, the company also sells commercial farm and ranch insurance, including policies for tractors and farm equipment.
Pros
Sells gap insurance
Offers farm and ranch coverage
Robust discounts
Cons
Doesn’t sell rideshare insurance
Mixed reviews for its mobile app
Limited number of agents in Kansas
How car insurance costs in Kansas have changed
Kansas car insurance rates have remained stable, with a projected 0.4% increase by the end of 2026, according to Insurify’s Insuring the American Driver report. By the end of the year, Insurify predicts the annual average car insurance cost in Kansas will be $1,709, an increase of just $7 from the 2025 average.
Average car insurance costs in Kansas over time
The graphic below shows how auto insurance costs have changed in Kansas over the past five years.
Average Kansas Car Insurance Rates Over the Past Five Years
Rates in this chart are five-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Find Cheap Kansas Car Insurance
Liability quotes start at $45/mo.
Excellent
4.7 out of 5 based on 12,864 reviews
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Kansas car insurance requirements
Kansas requires all drivers to maintain auto insurance policies. If law enforcement catches you driving without the state-minimum coverage, you could face penalties like a Class B misdemeanor, fines of $300 to $1,000, and even jail time.[6]
As a no-fault state, Kansas has slightly different insurance requirements than some other states. All drivers must maintain the following coverages:
Coverage | Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) |
|
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
Car insurance rates across Kansas cities
Rates vary by ZIP code, and Kansas City is typically one of the most expensive cities for car insurance. That fact is unsurprising considering that Kansas City has a much higher property crime rate than the rest of the state. Residents of Kansas City have a one in 26 chance of becoming a victim of property crime, according to NeighborhoodScout.[7]
Below are the average car insurance rates for major cities in Kansas:
City | Average Monthly Quote |
|---|---|
| Garden City | $121 |
| Kansas City | $125 |
| Lawrence | $100 |
| Manhattan | $97 |
| Topeka | $105 |
| Wichita | $124 |
Disclaimer: Table data is based on real-time Kansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car insurance quotes in Kansas for drivers with a clean record: State Farm
Kansas drivers with clean records, meaning those without driving incidents, usually pay the lowest premiums. In Kansas, drivers with clean records and excellent credit pay an average of $68 per month for car insurance.
The table below shows the cheapest rates for drivers with clean records in Kansas:
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| USAA | $54 |
| Root | $58 |
| American Family | $60 |
| Auto-Owners | $64 |
| CSAA | $66 |
| National General | $67 |
| Dairyland | $68 |
| Progressive | $70 |
| Bristol West | $73 |
| Safeco | $74 |
| GEICO | $78 |
| Travelers | $84 |
| The General | $84 |
| Direct Auto | $90 |
| Allstate | $95 |
| Farmers | $110 |
| Nationwide | $112 |
| Liberty Mutual | $123 |
| Shelter | $128 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Kansas for drivers with a speeding ticket: State Farm
Approximately 5% of drivers in the Sunflower State have speeding tickets on their records, according to Insurify data. Speeding in Kansas can result in consequences, including fines ranging from $45 to $195 (and even higher if you exceed the speed limit by 30 miles per hour or more).
In Kansas, drivers with speeding tickets pay an average of $92 per month for liability insurance.
The table below highlights the cheapest insurance companies for Kansas drivers with speeding tickets on their records.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $66 |
| USAA | $74 |
| Root | $79 |
| American Family | $81 |
| CSAA | $82 |
| Progressive | $88 |
| Auto-Owners | $89 |
| Dairyland | $93 |
| Safeco | $94 |
| National General | $94 |
| Bristol West | $96 |
| GEICO | $105 |
| Travelers | $117 |
| Direct Auto | $120 |
| The General | $121 |
| Allstate | $127 |
| Farmers | $150 |
| Liberty Mutual | $153 |
| Nationwide | $156 |
| Shelter | $191 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Affordable car insurance in Kansas with an at-fault accident: State Farm
In Kansas, Insurify data shows that nearly 5% of drivers have at least one at-fault accident on their records. A single accident can cause a steep increase in car insurance costs. On average, Kansas residents with accidents pay $105 per month for liability insurance.
Below, you can see the lowest liability insurance rates for Kansas drivers with accidents on their records.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $72 |
| USAA | $80 |
| Root | $82 |
| American Family | $87 |
| Auto-Owners | $94 |
| CSAA | $98 |
| Progressive | $101 |
| Dairyland | $102 |
| Safeco | $103 |
| Bristol West | $104 |
| National General | $104 |
| GEICO | $109 |
| Travelers | $126 |
| The General | $129 |
| Allstate | $136 |
| Direct Auto | $136 |
| Farmers | $163 |
| Liberty Mutual | $167 |
| Nationwide | $168 |
| Shelter | $201 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes for Kansas drivers with a DUI: State Farm
In Kansas, approximately 22% of driving deaths involve alcohol, and nearly 1% of drivers in the state have a driving under the influence (DUI) conviction on their records.[8] A DUI can significantly increase your car insurance premiums.
On average, Kansas drivers with DUIs on their records pay $96 per month for liability insurance. They may also need to have their insurance company file an SR-22 form with the state, verifying they have the required amount of liability coverage.
Compare quotes from Kansas car insurance companies with the lowest average rates for drivers with DUIs.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $73 |
| USAA | $80 |
| Root | $83 |
| American Family | $87 |
| CSAA | $89 |
| Progressive | $92 |
| Auto-Owners | $95 |
| Dairyland | $103 |
| National General | $105 |
| Safeco | $106 |
| Bristol West | $106 |
| GEICO | $110 |
| Travelers | $126 |
| The General | $126 |
| Direct Auto | $134 |
| Allstate | $136 |
| Farmers | $164 |
| Nationwide | $168 |
| Liberty Mutual | $168 |
| Shelter | $200 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an SR-22 in Kansas: State Farm
Kansas requires drivers with convictions for moving infractions, DUIs, or other serious issues to maintain proof of financial responsibility with an SR-22 form filed by their insurer.
The table below shows the lowest insurance rates for drivers with SR-22 coverage in Kansas.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $62 |
| USAA | $68 |
| Root | $70 |
| American Family | $74 |
| CSAA | $76 |
| Auto-Owners | $81 |
| Progressive | $83 |
| Safeco | $84 |
| Dairyland | $88 |
| National General | $89 |
| Bristol West | $90 |
| GEICO | $95 |
| Travelers | $107 |
| The General | $107 |
| Direct Auto | $114 |
| Allstate | $115 |
| Farmers | $139 |
| Nationwide | $142 |
| Liberty Mutual | $142 |
| Shelter | $170 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
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Cheapest car insurance for teen drivers in Kansas: State Farm
Kansas has a higher percentage of teens in the state than other parts of the country. Approximately 23% of the state’s population is younger than age 18, according to the U.S. Census Bureau.
Due to their inexperience behind the wheel, teen drivers usually pay much higher rates for coverage. In Kansas, teens pay an average of $147 per month for car insurance.
This table highlights the car insurers with the lowest liability rates for teen drivers in Kansas.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $106 |
| Root | $108 |
| USAA | $111 |
| CSAA | $113 |
| American Family | $124 |
| Dairyland | $134 |
| Progressive | $141 |
| Bristol West | $143 |
| Auto-Owners | $144 |
| Safeco | $150 |
| GEICO | $151 |
| National General | $159 |
| The General | $167 |
| Direct Auto | $194 |
| Travelers | $196 |
| Allstate | $202 |
| Liberty Mutual | $223 |
| Farmers | $245 |
| Nationwide | $247 |
| Shelter | $298 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes in Kansas for senior drivers: State Farm
Nearly 18% of Kansas’ population is aged 65 or older. In Kansas, one in five crashes involves an older driver. Senior drivers pay an average of $60 per month for liability insurance in Kansas.
Compare average liability quotes from the cheapest insurance companies for seniors in Kansas in the table below.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| USAA | $45 |
| Root | $48 |
| American Family | $48 |
| CSAA | $50 |
| Auto-Owners | $52 |
| Progressive | $57 |
| National General | $57 |
| Safeco | $60 |
| Dairyland | $61 |
| GEICO | $62 |
| Bristol West | $62 |
| Travelers | $70 |
| The General | $74 |
| Direct Auto | $75 |
| Allstate | $77 |
| Nationwide | $89 |
| Farmers | $90 |
| Liberty Mutual | $98 |
| Shelter | $99 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
Kansas car insurance quotes with bad credit: USAA
Like many other states, Kansas allows insurers to use credit-based insurance scores in underwriting.
Drivers with poor credit tend to pay more for car insurance than drivers with better credit histories. On average, Kansas drivers with bad credit pay $91 per month for liability insurance.
The table below highlights the insurers with the cheapest average rates for Kansas drivers with poor credit.
The below rates in Kansas are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 Company | Average Monthly Quote |
|---|---|
| USAA | $70 |
| Root | $73 |
| American Family | $74 |
| State Farm | $75 |
| CSAA | $77 |
| Safeco | $87 |
| Progressive | $88 |
| Dairyland | $91 |
| National General | $92 |
| Bristol West | $94 |
| GEICO | $99 |
| Auto-Owners | $101 |
| Travelers | $111 |
| The General | $111 |
| Direct Auto | $118 |
| Allstate | $119 |
| Liberty Mutual | $144 |
| Farmers | $144 |
| Nationwide | $148 |
| Shelter | $176 |
Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.
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Kansas car insurance FAQs
The following answers to common questions about car insurance in Kansas can help you find affordable coverage that meets your needs.
What car insurance is required in Kansas?
In Kansas, all drivers must meet the state’s minimum liability amounts of 25/50/25, as well as equal amounts of uninsured/underinsured motorist bodily injury liability. Drivers also must have a minimum of the following personal injury protection (PIP) coverages:
$4,500 per person in medical expenses
$900 per month for one year for disability or loss of income
$25 per day for substitution benefits (including in-home assistance services)
$2,000 for funeral, burial, or cremation expenses
$4,500 for rehabilitation expenses to train for re-employment
$900 per month for one year for disability or loss of income survivor benefits
What are the best car insurance companies in Kansas?
The best car insurance companies in Kansas include State Farm, USAA, and American Family.
How much is car insurance in Kansas?
On average, Kansas drivers pay $134 per month for full-coverage insurance and $73 per month for liability-only policies.
What company has the cheapest car insurance in Kansas?
In Kansas, the cheapest car insurance company is State Farm, with an average monthly rate of $52 for liability-only coverage.
How much does car insurance cost in Kansas City?
In Kansas City, drivers pay an average of $125 per month for car insurance.
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Sources
- Kansas Department of Insurance. "Auto Insurance Shopper's Guide."
- National Weather Service. "Kansas Tornado Climatology."
- Kansas Department of Insurance. "Kansas storm season insurance claims nearly double in two years to $879 million in 2025."
- State Farm. "How likely are you to have an animal collision?."
- Housing Assistance Council. "Supporting Veterans in Kansas."
- Kansas Legislature. "Kansas Automobile Injury Reparations Act."
- NeighborhoodScout. "Kansas City, KS: Crime Rates."
- Kansas Health Matters. "Alcohol-Impaired Driving Deaths."
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
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.