Updated April 11, 2026

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Drivers in Kansas City, Kansas, pay $86 per month for liability insurance and $167 for full-coverage insurance. This is higher than the state average of $73 for liability coverage and $73 for full-coverage insurance.

The Kansas City, Kansas, and Kansas City, Missouri, area ranks among the top 10 U.S. metropolitan areas with the highest rates of motor vehicle theft.^[1] This could explain the high insurance costs for drivers in the area, as insurance companies account for the added risk.

Here’s how to find the cheapest car insurance for you in Kansas City by comparing quotes and coverage options.

Quick Facts

Kansas is a no-fault state, so you’ll have to use your own insurance policy to cover medical costs and other losses following an accident, regardless of fault. This likely increases average rates in the state.
State Farm, USAA, and American Family have some of the cheapest liability insurance in Kansas City.
The average yearly cost of car insurance in Kansas City is $2,000 for full-coverage insurance and $1,027 for liability-only coverage.

3 of the cheapest car insurance companies in Kansas City

The best insurer in Kansas City is different for everyone, and you’ll want to do some comparison shopping before settling on one. The quotes you receive during your search will often vary based on a variety of factors, such as your driving record, age, gender, and even your credit score.

As you begin your search, be sure to research your options with the following three insurers. The quotes below reflect average U.S. insurance costs.

Insurance Company	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.	Full Coverage	Liability Only	Best For
State Farm	9.3	$109	$53	Cheap rates
USAA	9.1	$104	$50	Military families
American Family	9.3	$159	$79	Discounts

Best insurer for cheap rates: State Farm

Cheap Rates

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.	$58/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.	$119/mo

Driver Reviews

4.0

Best choiceBased on 16,933 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 11 Kansas reviews for Kansas City driversSee all 7,363 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.

Our Advice

JD Power647

NAIC Index0.84

A.M. BestA++

Why we picked this company

State Farm was founded in 1922. Today, it offers around 100 different insurance products, including car insurance, renters insurance, and pet insurance. State Farm is available in all 50 states and is the largest insurance company in the country.

Pros

A++ (Superior) AM Best financial strength rating
Offers rideshare insurance

Cons

Gap insurance not available
Not as many discounts as some competitors

Best insurer for military members: USAA

military members

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.	$64/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.	$131/mo

Driver Reviews

4.9

Best choiceBased on 3,390 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,527 USAA reviews

Lawrence

Verified Review

USAA Review

Reviewed in Nevada on April 11, 2026

My premium keeps increasing by $40 to $50 every six months. I feel like I am being taken advantage of due to my age.

Chad

Verified Review

USAA Rocks!

Reviewed in Michigan on April 11, 2026

Awesome company to work with.

John

Verified Review

Great Insurance!

Reviewed in New York on April 11, 2026

Easy to use.

…

Our Advice

JD Power759

NAIC Index1.31

A.M. BestA++

Why we picked this company

United Services Automobile Association (originally called United States Army Automobile Association) began in 1922. The insurer exclusively caters to active military members, veterans, and their families, providing car insurance, home insurance, and life insurance. USAA is available in all 50 states.

Pros

Good drivers may lower their auto insurance costs by up to 30%
Discounts for bundling, being a good student, enrolling in automatic payments, and more

Cons

Coverage is available only to active military members, veterans, and their families
Gap insurance not available

Best insurer for discounts: American Family

discounts

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.	$68/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.	$140/mo

Driver Reviews

4.5

Best choiceBased on 614 verified driver reviews and ratings

	American Family's score	Industry average
Coverage options	4.6	3.2
Customer service	4.9	3.6
Discounts	4.6	2.9
Policy transparency	4.5	3.1
Value	4.2	2.9

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.

Based on analysis of verified reviews collected by Insurify

Best For

Outstanding customer service

Flexible coverage options

Families with young drivers

Showing recent national reviewsSee all 267 American Family reviews

April

Verified Review

Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.

Reviewed in Ohio on April 4, 2026

Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.

David

Verified Review

Feeling Betrayed

Reviewed in Oklahoma on April 4, 2026

They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.

Jeffrey

Verified Review

Good company.

Reviewed in Washington on March 31, 2026

Everything was good, I just found better coverage at a cheaper price.

…

Our Advice

JD Power674

NAIC Index0.47

A.M. BestA

Why we picked this company

American Family Insurance was founded in 1927 in Madison, Wisconsin. It branched out to service non-farmers and started offering products other than car insurance in 1963. Today, it offers more than a dozen different types of insurance, and it offers several discounts, including multi-vehicle, defensive driving, low mileage, and more.

Pros

Reputation for good customer service
Many discount and coverage options

Cons

Available in only 19 states
Digital experience not as robust as some competitors

How to get the cheapest car insurance in Kansas City

Finding the best insurance rates in Kansas City is possible with a few adjustments. Follow these tips:

Compare quotes. Comparing quotes from three or more insurers is the best way to find low rates and a coverage level that matches your needs. Using an insurance price-comparison platform can make these comparisons a breeze.
Choose liability only over full coverage. This strategy will lower your premiums, but it can be a risk because you’re taking on less protection. If you’re involved in an accident judged to be your fault, liability-only coverage won’t pay to repair your vehicle. But if you have an older vehicle that you wouldn’t seek to repair after an accident, liability coverage could make sense.
Adjust your deductible. A higher deductible will lower your premiums because you’re taking on more up-front risk. But keep in mind that if you’re in an accident that’s your fault, you’ll have to pay the deductible before your insurer pays for a repair bill. If paying a high deductible would be a serious hurdle for you, you may want to choose a low deductible in exchange for paying higher monthly premiums.
Don’t forget discounts. Asking your insurance company about any potential discounts that will bring your rates down is always a smart idea. In addition, you can also inquire if your workplace has any discount possibilities with a particular insurer.

Find Car Insurance in Kansas City, Kansas

Liability quotes start at $58 per month

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Cheapest liability-only car insurance in Kansas City: State Farm

Liability-only car insurance pays for damages or medical care required by the other party if you’re determined to be at fault for an accident. This coverage doesn’t offer any protection for you or your vehicle. As such, liability-only coverage is usually more affordable, but it may not be enough to match your needs.

The average cost of liability-only insurance in Kansas City is $86 per month. Here, you can see a collection of quotes for liability-only coverage in the area from leading companies.

The below rates in Kansas City, KS, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	$58
USAA	$64
American Family	$68
Root	$69
Auto-Owners	$74
CSAA	$74
Progressive	$81
Safeco	$82
National General	$86
Dairyland	$87
GEICO	$88
Bristol West	$89
Travelers	$98
The General	$102
Allstate	$106
Direct Auto	$109
Liberty Mutual	$128
Liberty Mutual	$128
Farmers	$129
Nationwide	$132
Shelter	$157

Disclaimer: Table data sourced from real-time Kansas City car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas City may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Kansas City: State Farm

Full-coverage car insurance provides the same protections as liability-only coverage but also covers damage or hospital expenses for you and your vehicle. This coverage is more expensive, but it could be a good option if you have a new car or you wouldn’t be able to replace your vehicle if it was totaled.

On average, Kansas city drivers pay $167 for full-coverage insurance. Compare the cheapest full-coverage insurance quotes below.

The below rates in Kansas City, KS, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	$119
USAA	$131
Root	$135
American Family	$140
National General	$150
Auto-Owners	$154
Progressive	$158
CSAA	$170
GEICO	$181
Safeco	$186
Direct Auto	$187
Travelers	$205
Allstate	$220
Bristol West	$220
Liberty Mutual	$243
Liberty Mutual	$243
The General	$246
Farmers	$267
Nationwide	$273
Dairyland	$274
Shelter	$326

Recent Insurify quotes for Kansas City, Kansas drivers

Drivers using Insurify have found quotes as cheap as $50/mo for liability only and $103/mo for full coverage in Kansas City and other Kansas cities.

Liability Only

*Quotes generated for Insurify users in and around Kansas City, Kansas within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Full Coverage

Car insurance requirements in Kansas

You must carry liability coverage for body and property, as well as uninsured and underinsured motorist coverage, to drive in Kansas. But the state also requires you to carry personal injury protection insurance, more commonly known as PIP or no-fault insurance.^[2] This coverage ensures that if you’re in an accident, no matter who was at fault, your insurance will cover your injuries as well as those of household members in the vehicle.

PIP insurance also covers expenses such as hospital bills, disability and lost income, rehabilitation expenses, required in-home services care, and, if necessary, funeral and burial expenses.

Here are the minimum car insurance requirements necessary for you to drive in Kansas.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident
Personal injury protection (PIP)	$4,500 per person for medical expenses $900 per month for one year for disability/loss of income $25 per day for in-home services $2,000 for funeral, burial, or cremation expense $4,500 for rehabilitation expenses
Uninsured/underinsured motorist	$25,000 per person / $50,000 per accident

It may be a good idea to secure coverage that exceeds the minimum requirements. Minimum coverage won’t replace your car if it’s stolen — or pay for damages if a tree falls on your parked car during a windstorm, for example. You may want to consider purchasing these optional coverages for more financial protection:

Collision coverage

Collision insurance pays for repairs to your vehicle if it’s damaged by another vehicle, an object, or even through reckless driving. For instance, if you back into a telephone pole, collision coverage would pay for that. Or if you round a curve too fast and your car careens down a hill, collision insurance would pay for that, too.

Comprehensive coverage

Comprehensive insurance protects you if your vehicle is damaged in an event beyond a car accident. If a deer darts into the side of your moving car, or your car is stolen or vandalized, for example, your insurance would pay for repairs or for it to be replaced. If hail damages your car, or your engine catches on fire, comprehensive insurance would also pay for that.

Cheapest car insurance for drivers with an incident

If you have an incident on the road — such as a speeding ticket, at-fault accident, or DUI — you should prepare for your insurance premiums to increase. Insurers generally assume that one incident might be a sign of more to come, and they guard against that by raising premiums. Fortunately, if you drive for a few years without an incident, insurers will usually lower your rates.

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

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Flying down State Route 69 may seem tempting. But if you’re caught speeding, at some point after you pay your fine at the Municipal Court office or through Wyandotte County’s app, your car insurance premiums will likely go up.

The average cost of car insurance for a Kansas City driver with a speeding ticket is $107 per month for liability coverage and $207 for full coverage. You can see average monthly quotes for Kansas City drivers with a speeding ticket below and how they compare to rates for drivers with a clean record.

The below rates in Kansas City, KS, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$58	$73
USAA	$64	$82
American Family	$68	$88
Root	$69	$91
Auto-Owners	$74	$96
CSAA	$74	$96
Progressive	$81	$100
Safeco	$82	$107
Dairyland	$87	$108
Bristol West	$89	$112
GEICO	$88	$115
Travelers	$98	$127
The General	$102	$136
Direct Auto	$109	$136
Allstate	$106	$137
Liberty Mutual	$128	$162
Liberty Mutual	$128	$162
Farmers	$129	$165
Nationwide	$132	$170
Shelter	$157	$207

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

An at-fault accident is problematic for a number of reasons, from car repair to potential injury and, yes, even climbing insurance costs. Insurers typically reward drivers who stay out of trouble on the road with cheaper car insurance — and hedge their bets on drivers who get into an accident by charging them higher premiums.

Kansas City drivers with an accident pay an average of $234 per month for full coverage and $120 for liability insurance. Here, you can see how an at-fault accident can affect your monthly rates.

The below rates in Kansas City, KS, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.

Insurance Company	Clean Driving Record	With Accident
State Farm	$58	$79
USAA	$64	$88
American Family	$68	$94
Root	$69	$95
Auto-Owners	$74	$101
CSAA	$74	$113
Progressive	$81	$113
Safeco	$82	$117
Dairyland	$87	$118
GEICO	$88	$119
Bristol West	$89	$121
Travelers	$98	$136
The General	$102	$144
Allstate	$106	$146
Direct Auto	$109	$153
Liberty Mutual	$128	$175
Liberty Mutual	$128	$175
Farmers	$129	$177
Nationwide	$132	$183
Shelter	$157	$219

Cheapest car insurance for drivers with a DUI: State Farm

Insurers see a DUI on your record as a very serious offense, and as such, you can expect your premiums to soar. In some cases, your insurer may drop you altogether.

On average, drivers with a DUI pay monthly average rates of $114 for liability insurance and $222 for full-coverage insurance in Kansas City. The table below shows what you’d pay, on average, for car insurance in Kansas City with a DUI on your record.

The below rates in Kansas City, KS, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.

Insurance Company	Clean Driving Record	With DUI
State Farm	$58	$80
USAA	$64	$89
American Family	$68	$94
Root	$69	$96
Auto-Owners	$74	$102
CSAA	$74	$102
Progressive	$81	$108
Dairyland	$87	$120
Safeco	$82	$120
GEICO	$88	$121
Bristol West	$89	$123
Travelers	$98	$136
The General	$102	$136
Allstate	$106	$147
Direct Auto	$109	$151
Liberty Mutual	$128	$177
Liberty Mutual	$128	$177
Farmers	$129	$179
Nationwide	$132	$183
Shelter	$157	$219

Cheapest car insurance for seniors: State Farm

Insurers calculate insurance premiums by looking at a lot of different factors, such as driving history and age.

If you’re 70 or older, your premiums will probably start to rise. You may be a superb driver, but insurers raise rates for older drivers because reaction times decrease as people age and the likelihood of costly medical bills increases when seniors are involved in an accident.

Senior drivers in Kansas City pay $145 per month for full-coverage insurance and $75 for liability insurance. The table below shows what you may pay, on average, for your insurance premiums as a senior driver in Kansas City.

The below rates in Kansas City, KS, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.

Insurance Company	Full Coverage	Liability Only
State Farm	$94	$46
USAA	$107	$52
American Family	$112	$55
Root	$113	$58
Auto-Owners	$122	$59
Progressive	$137	$70
CSAA	$137	$60
GEICO	$144	$70
Direct Auto	$153	$89
Safeco	$163	$72
Travelers	$164	$79
Allstate	$179	$86
Bristol West	$184	$74
Liberty Mutual	$203	$107
Liberty Mutual	$203	$107
Nationwide	$210	$101
The General	$210	$87
Farmers	$212	$103
Dairyland	$233	$74
Shelter	$233	$112

Cheapest car insurance for teens: State Farm

Many teenagers are excellent drivers, and some young adults may be better than some seasoned drivers who are complacent behind the wheel. But insurers still charge teens higher premiums than older, more experienced drivers because young drivers are more likely to be involved in an at-fault incident than older drivers.

Fortunately, teenage drivers have ways to lower a high insurance bill. For example, insurers charge less when a teenage driver stays on their parents’ policy than when a teen driver buys their own policy. Driving a car that your insurer considers a safe model could also lower your premiums. Finally, good grades may give you a student discount with your insurer.

On average, teenagers in Kansas City pay $164 per month for liability coverage and $319 for full-coverage insurance. This table shows what teen drivers pay for insurance from different companies in Kansas City.

The below rates in Kansas City, KS, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.

Insurance Company	Full Coverage	Liability Only
State Farm	$237	$115
Root	$242	$123
USAA	$249	$121
American Family	$272	$132
CSAA	$291	$127
Progressive	$302	$155
Auto-Owners	$321	$154
GEICO	$336	$164
Direct Auto	$372	$217
Safeco	$386	$170
Bristol West	$401	$162
Travelers	$437	$209
Liberty Mutual	$438	$231
Liberty Mutual	$438	$231
Allstate	$446	$215
The General	$453	$188
Dairyland	$489	$155
Nationwide	$546	$264
Farmers	$547	$264
Shelter	$668	$322

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Kansas City car insurance quotes by credit tier

Most states, including Kansas, allow insurers to consider credit scores when pricing insurance premiums. Rightly or wrongly, insurers have concluded that a person’s credit history is a sign of how safe of a driver they are. So, motorists who have excellent or good credit scores pay far lower insurance premiums than drivers with poor credit scores.

The table below shows how Kansas City drivers’ credit tiers affect their insurance premiums. As you’ll see, premiums go up significantly the lower your credit tier is.

Rates by Credit Tier

Category	Price
Excellent	$208
Good	$246
Fair	$270
Poor	$419

Is car insurance more expensive in Kansas City?

While insurance prices in Kansas City are among the top in the state, they’re still comparable with the national averages. The U.S. car insurance average is $97 for liability-only coverage and $183 for full coverage. In Kansas City, average rates are $86 for liability-only coverage and $167 for full coverage.

But drivers in Kansas City are paying higher rates for full-coverage car insurance in the state because Kansas City has much higher rates of motor vehicle theft than other cities in the state of Kansas. Insurers likely increase average premiums in Kansas City to account for the added risk associated with potential vehicle theft.

More cities in Kansas

On average, Kansas drivers pay $145 per month for full-coverage car insurance and $73 for liability insurance. Meanwhile, drivers in Kansas City pay an average of $86 for liability and $167 for full coverage.

The table below shows that rates in the area outpace those in other Kansas cities.

City	Full Coverage	Liability Only
Garden City	$161	$74
Lawrence	$128	$73
Manhattan	$119	$69
Topeka	$137	$73
Wichita	$165	$85

Disclaimer: Table data is based on real-time Kansas City quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Kansas City car insurance FAQs

Looking for more information to help you find the best car insurance in Kansas City? The answers below can help you improve your search and find the best results.

How much is car insurance in Kansas City?
The average cost of car insurance in Kansas City is $86 per month for liability-only coverage and $167 for full coverage. How much you pay for coverage will ultimately depend on your driving record, credit history, age, and more.
Who has the cheapest car insurance in Kansas City?
With a liability insurance rate of $58, State Farm is the cheapest car insurance company in Kansas City. USAA and American Family also offer affordable liability coverage, at $64 and $68 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple insurance companies at once.
What are the best car insurance companies in Kansas City?
State Farm, USAA, and American Family are the best car insurance companies in Kansas City. Each company has a high Insurify Quality (IQ) Score, with State Farm scoring a 9.3 out of 5, USAA a 9.1, and American Family a 9.3. All three insurers have low average rates and are recognized for their financial stability, customer service, and discount offerings.
Is car insurance cheaper in Kansas or Missouri?
Car insurance is cheaper in Kansas, on average. Drivers in Kansas pay $73 per month for liability-only coverage and $145 for full-coverage insurance. In Missouri, average rates are higher at $89 per month for liability insurance and $182 for full-coverage insurance.
Is Kansas a no-fault state?
Yes. Kansas is a no-fault state.^[3] This means, in the event of an accident, each party’s insurer will cover the related costs of their client.

Sources

Insurance Information Institute. "Facts + Statistics: Auto theft."
Kansas Insurance Department. "Auto Insurance."
NOLO. "Kansas No-Fault 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

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.

Car Insurance in Kansas

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Kansas drivers are required to carry 25/50/25 liability insurance, as well as personal injury protection and uninsured/underinsured motorist coverage.

By Angela Brown|April 5, 2026

Cheap SR-22 Insurance in Kansas from $59

The average rate for liability coverage with an SR-22 on your record is $86 per month, but you may save money by comparing quotes.

By Sarah Sharkey|April 5, 2026

Cheapest Car Insurance Quotes in Kansas

Kansas drivers can pay as little as $50 per month for coverage through State Farm. Shop real-time quotes for Kansas and buy your policy all in one place with Insurify.

By Kat Tretina|April 11, 2026

Pretected Car Insurance Review: Consumer Reviews, Quotes

Pretected, an online comparison tool, connects you to insurers for auto, home, health, and life coverage — but it doesn’t provide real-time quotes.

By Carley Clark|September 25, 2025

How Does Car Insurance Work?

Car insurance protects you financially in the event of an accident. Read on to learn the different types of coverages and important terms to know when shopping for car insurance.

By A.M. Steinbach|July 2, 2025