Cheapest Liability Car Insurance in Kansas (2026)
Kansas drivers can find the cheapest liability-only car insurance from State Farm, with an average rate of $48 per month.
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Writer: Sharon WuContributing Writer
Writer: Sharon WuContributing Writer
Sharon Wu is a Certified Financial Education Instructor (CFEI®) and personal finance writer with over a decade of experience helping readers make sense of insurance. She specializes in breaking down dense, jargon-filled topics into clear, practical guidance that helps consumers feel confident in their coverage decisions, rather than overwhelmed by them. Her work has appeared in leading publications, including USA TODAY, CBS News MoneyWatch, and ConsumerAffairs.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
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What is liability car insurance?
Liability car insurance covers other people’s injuries and property damage when you cause a crash. Say you rear-end another driver and cause whiplash, or you back into a neighbor’s mailbox. Your insurer pays for the injuries and damage you cause, up to your policy limits.
Kansas law requires vehicle owners to carry liability insurance so injured people can collect payment promptly. You must show proof of insurance when you register your car. But liability coverage won’t pay to fix your own car. Full coverage typically adds collision and comprehensive coverage, which pays for damage to your vehicle.
Cheapest liability car insurance in Kansas
The average cost of car insurance in Kansas is $79 per month for liability-only coverage and $157 per month for full coverage. Liability rates vary by city. For example, liability-only quotes average $89 in Wichita but $69 in Manhattan.
The table below shows the cheapest liability-only quotes for Kansas car insurance. Your driving record, age, credit history, and ZIP code also affect your rate.
The below rates in Kansas are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $48 |
| USAA | $53 |
| American Family | $57 |
| Progressive | $58 |
| Auto-Owners | $62 |
| Root | $64 |
| Safeco | $70 |
| National General | $72 |
| GEICO | $74 |
| Dairyland | $76 |
| Bristol West | $77 |
| Travelers | $83 |
| Allstate | $84 |
| Direct Auto | $90 |
| The General | $91 |
| CSAA | $94 |
| Farmers | $107 |
| Liberty Mutual | $111 |
| Shelter | $132 |
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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Minimum liability car insurance requirements in Kansas
Kansas requires four coverages on every policy:[1]
Bodily injury liability pays for injuries you cause.
Property damage liability pays for damage you cause to others’ property.
Personal injury protection (PIP) covers your medical costs and lost wages.
Uninsured/underinsured motorist coverage covers your injuries when the other driver has little or no insurance.
The table below shows the Kansas car insurance requirements for each coverage:
Coverage Type | Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
| PIP: Medical expenses | $4,500 per person |
| PIP: Rehabilitation | $4,500 |
| PIP: Lost income | $900 per month for one year |
| PIP: Funeral, burial, or cremation | $2,000 |
| PIP: In-home help | $25 per day for up to one year |
| Uninsured/underinsured motorist bodily injury | $25,000 per person/$50,000 per accident |
Say you run a stoplight and hit another car. Property damage liability pays to repair that car, and PIP covers your medical bills up to your coverage limit. A liability-only policy won’t pay for your own car repairs, but collision coverage can pay for those repairs.
Is minimum liability coverage enough in Kansas?
It depends. Minimum liability coverage in Kansas keeps you legally insured, but once a claim exceeds your coverage limits, you pay the rest.
Minimum-coverage car insurance won’t pay for:
Repairs to your car, which require collision or comprehensive coverage for crashes, theft, or severe weather
Injury costs above $25,000 per person or $50,000 per accident
Medical bills above PIP’s $4,500 medical expense limit
Your car’s lost resale value after repairs, since Kansas doesn’t require insurers to pay diminished value claims
You may need more than the state minimum in these scenarios:
You finance or lease your car. Your lender can require collision coverage and comprehensive coverage.
You own a car worth more than $3,000. The Kansas Insurance Department recommends considering liability-only coverage for cars worth less than $3,000.
You have savings or a home to protect. Umbrella insurance adds $1–$5 million in extra liability coverage.
Penalties for driving without liability insurance in Kansas
Car insurance laws in Kansas make driving without insurance a crime. A first offense is a class B misdemeanor, with a fine of $300–$1,000, up to six months in jail, or both.[2] A second conviction within three years is a class A misdemeanor, with a fine of $800–$2,500.
You may also face:
License and registration suspension: If you’re in a crash without insurance, the state can suspend your license and revoke your registration.
Reinstatement fees: To get your license and registration back, you must file proof of insurance, meet any applicable accident-liability requirements, and pay $100. The fee rises to $300 if the state revokes your registration again within a year.
Proof of insurance checks: An officer can ask for proof of insurance, including on your phone, and cite you if you can’t show it.
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How to find cheap liability car insurance in Kansas
Several steps can help you find cheap car insurance in Kansas:
Compare rates every six months. Prices change, so get auto insurance quotes twice per year. Make sure each quote has the same coverage and terms.
Take a defensive driving course. Kansas law requires insurers to reduce your car insurance rate for three years after you complete an approved accident-prevention course of at least four hours.
Bundle your policies. Buying your home, renters, or life insurance with the same company may lower your rate.
Ask about car insurance discounts. Insuring two or more vehicles with one company, or driving a car with airbags or anti-lock brakes, can lower your rate.
Maintain good credit. The Kansas Insurance Department says your credit history can affect your insurance costs because insurers use it to calculate a credit-based insurance score.
Liability car insurance in Kansas FAQs
Before you request car insurance quotes, get quick answers to common questions about liability auto insurance in Kansas.
What company has the cheapest liability insurance in Kansas?
State Farm has the cheapest liability insurance in Kansas, averaging $48 per month. USAA and American Family also rank among the lowest-priced insurers.
What does liability car insurance cover in Kansas?
Liability car insurance in Kansas covers injuries and property damage you cause to others. A minimum policy pays up to $25,000 per accident for the other driver’s property, but it won’t cover your car repairs.
What is the minimum liability car insurance required in Kansas?
The minimum liability car insurance required in Kansas is 25/50/25. That means $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 per accident for property damage.
Does a Kansas liability-only policy include personal injury protection?
Yes, a Kansas liability-only policy includes personal injury protection because state law requires it on every auto policy. PIP coverage pays $4,500 per person for medical expenses, regardless of who caused the crash.
Sources
- Kansas Insurance Department. "Auto Insurance Shopper’s Guide."
- Kansas Legislature. "Kansas Statute 40-3104 — Motor Vehicle Liability Insurance Coverage."
Methodology
Insurify data scientists analyzed more than 250 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
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Writer: Sharon WuContributing Writer
Writer: Sharon WuContributing Writer
Sharon Wu is a Certified Financial Education Instructor (CFEI®) and personal finance writer with over a decade of experience helping readers make sense of insurance. She specializes in breaking down dense, jargon-filled topics into clear, practical guidance that helps consumers feel confident in their coverage decisions, rather than overwhelmed by them. Her work has appeared in leading publications, including USA TODAY, CBS News MoneyWatch, and ConsumerAffairs.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.