Updated: April 21, 2026
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Travelers earns Kansas’s top MoneyGeek score of 4.70 out of 5, winning best overall and best for young drivers and drivers with violations, with minimum coverage at $33 a month.
GEICO earns Kansas’s perfect 5.00/5 affordability score, with minimum coverage at $25 a month, the cheapest baseline rate of any top-five insurer in the state.
Auto-Owners earns the highest MoneyGeek score across all 10 of Kansas’s most populous cities, despite ranking second overall in the state. This is driven by its perfect 5.00/5 customer experience score.
Mark Fitzpatrick, Licensed Insurance Producer
I analyzed quotes from six Kansas insurers across every ZIP code in the state. Kansas's market context matters here: it's a no-fault PIP state, both UM and UIM are required, Tornado Alley comprehensive exposure is real and credit scoring is allowed.
I found three clear winners in Kansas: Travelers leads overall with a 4.70 out of 5 MoneyGeek score, GEICO is the cheapest at $25 a month for minimum coverage, and Shelter is the best low-cost option for drivers with bad credit and low income.
Kansas requires PIP, UM and UIM on top of liability, so even minimum coverage in Kansas includes more protection than in most states. Drivers seeking the lowest rate can look at the cheapest car insurance options in Kansas.
| Travelers | 4.7 | $33 | 2 | 2 |
| Auto-Owners | 4.6 | $31 | 1 | 3 |
| GEICO | 4.4 | $25 | 4 | 5 |
| Shelter Insurance | 4.1 | $56 | 5 | 2 |
| Progressive | 3.9 | $52 | 3 | 4 |
Travelers earns the top composite score in my Kansas analysis and wins more driver profile categories than any other insurer I analyzed in the state. It holds the best overall score for young drivers ($66 per month minimum), DUI-affected drivers ($45 per month), accident-affected drivers ($43 per month), senior drivers ($46 per month) and new-car drivers ($33 per month), and the cheapest rate for DUI, accident, senior and young driver profiles as well. That combination of best score and lowest rate across multiple violation categories is unusual and reflects a pricing structure that stays stable after incidents rather than surging.
On customer experience, Travelers ranks second among the Kansas insurers I analyzed, behind only Auto-Owners, which holds a perfect score. Travelers ranked #1 on Insure.com’s satisfaction study and earns solid agent reviews for claims responsiveness. That matters in Kansas more than most states: the state sits in the heart of tornado alley, and spring storm seasons produce some of the highest hail and wind claim volumes in the country.
Travelers’ six add-on coverage options include gap insurance, accident forgiveness, new car replacement and rideshare coverage, and all four are relevant for Kansas drivers whose vehicles are at regular risk of hail damage.
Don’t pick Travelers if the absolute lowest monthly rate is your only priority. GEICO’s $25 per month minimum is $8 cheaper for a clean-record adult in Kansas, and it holds lower rates for speeding tickets and new-car drivers as well. The trade-off is coverage depth and service quality.
GEICO earns the highest affordability score among the Kansas insurers I analyzed and holds the lowest rates I found in the state for clean-record adults ($25 per month minimum), old-car drivers ($20 per month) and new-car drivers ($28 per month). For Kansas drivers whose primary goal is the lowest monthly rate and who file claims infrequently, GEICO’s case is competitive.
These differences matter in Kansas specifically. GEICO ranks sixth on customer experience among the Kansas insurers I analyzed, and its phone-and-online-only model means claims interactions happen without a local agent. In a state where hail season regularly drives comprehensive claims, that service gap is more consequential than in states with lower natural hazard frequency.
GEICO’s three add-on coverage options also don’t include gap insurance or accident forgiveness, two coverages with real utility in a hail-prone market. For drivers in lower-risk areas of Kansas who simply want the lowest bill, GEICO remains a defensible choice.
Don’t pick GEICO if you finance a vehicle or live in an area with regular hail activity. Travelers’ $33 per month clean-record rate is only $8 more and includes gap insurance, new car replacement and accident forgiveness, which can matter in a state where hail can total a car.
Shelter is a regional Midwest carrier based in Missouri with broad distribution across Kansas. It wins the cheapest bad credit and low income rates in my Kansas analysis, with $91 per month minimum for bad credit and $56 per month for low income, and pairs those rates with six add-on coverage options that include gap insurance and new car replacement.
For Kansas drivers with bad credit who also want gap insurance coverage against hail damage on a financed vehicle, Shelter delivers that combination at the lowest rate I found in the state for that profile.
On customer experience, Shelter ranks ninth among the Kansas insurers I analyzed, the lowest of the three featured winners. Its regional footprint means fewer national reviews, and the data I reviewed reflects mixed consumer feedback that varies by local agent.
For drivers whose primary need is the lowest bad-credit or low-income rate in Kansas, Shelter earns that designation clearly. For drivers who want more certainty in service alongside the competitive rate, Travelers’ $122 per month bad-credit minimum offers a more reliable claims experience.
Don’t pick Shelter if service reliability is as important as rate. Its ninth-place customer experience ranking among Kansas insurers reflects limited public review data and variable local agent quality. Travelers holds the second-best customer experience score in Kansas and wins bad credit on overall score, at $122 per month bad-credit minimum versus Shelter’s $91.
For most Kansas drivers, I’d recommend Travelers. It leads the state on overall score, wins best for violations and young drivers and its six add-on coverage options include gap insurance and new car replacement that matter in a tornado-prone state. GEICO is the right call for clean-record drivers who want the lowest monthly payment.
The $25 a month minimum is the cheapest baseline in Kansas, and the 4.40 out of 5 score reflects quality alongside the price advantage. Shelter is the pick for bad-credit and low-income drivers. Its $91 a month bad-credit minimum is $31 a month cheaper than Travelers’ $122 a month bad-credit best-score rate for the same profile and the regional focus means it understands the Kansas market.
If you’re comparing options or narrowing down coverage in Kansas, these guides help you choose what works best for your needs.
Kansas stacks more required coverages than most states: PIP, UM and UIM on top of standard liability. That requirement shows up in my profile analysis, where baseline rates run higher than neighboring Iowa despite similar risk profiles. Travelers sweeps best-score wins across most driver profiles.
GEICO is the cheapest in several clean-record categories. Shelter is the cheapest for bad-credit and low-income drivers. Kansas permits insurers to use credit scoring when setting rates.
Adult drivers (26 to 64), clean record | Auto-Owners | $31 | $82 |
After a speeding ticket | Travelers | $40 | $99 |
After an at-fault accident | Travelers | $43 | $103 |
After a DUI | Travelers | $45 | $110 |
Senior drivers (65+) | Travelers | $46 | $91 |
Young drivers (16 to 25) | Travelers | $66 | $152 |
Low income | Auto-Owners | $69 | $151 |
Bad credit | Travelers | $122 | $234 |
Kansas requires PIP, UM and UIM coverage alongside standard liability, meaning every minimum policy in Kansas includes more protection than in states that require only liability.
This mandatory coverage stack is reflected in the higher baseline rates across every driver profile shown above. Full coverage rates ($82 to $103 a month for a clean-record adult driver) are sourced from Quadrant Information Services and reflect the range across the top-ranked Kansas insurers analyzed.
Auto-Owners ranks highest in my scoring across all 10 of Kansas’s most populous cities. It ranks second overall in the state on the weighted composite score, where Travelers ranks highest, but its perfect 5.00/5 customer experience sub-score drives its performance at the city level.
Travelers ranks highest on the state-level weighted composite because affordability, weighted at 60%, favors its broader rate advantage; Auto-Owners ranks highest at the city level where the customer experience sub-score carries more weight in the composite.
Olathe runs highest at $65 a month, likely due to Kansas City metro proximity and traffic density. Manhattan and Lawrence run among the lowest at $46 to $49 a month. This table covers the 10 most populous Kansas cities.
Salina | Auto-Owners | 4.70 | $57 |
Kansas City | Auto-Owners | 4.80 | $58 |
Lawrence | Auto-Owners | 4.80 | $49 |
Lenexa | Auto-Owners | 4.80 | $50 |
Manhattan | Auto-Owners | 4.80 | $46 |
Olathe | Auto-Owners | 4.80 | $65 |
Auto-Owners | 4.80 | $53 | |
Shawnee | Auto-Owners | 4.80 | $51 |
Auto-Owners | 4.80 | $53 | |
Auto-Owners | 4.80 | $58 |
Rates vary by ZIP code within Kansas. Kansas City metro ZIP codes can run meaningfully higher than western Kansas rural areas due to traffic density and claims frequency. Drivers in Olathe and Overland Park should expect rates closer to the metro ceiling, while those in Manhattan or Lawrence may qualify for lower premiums.
Kansas requires more mandatory coverage than most states: PIP plus both UM and UIM on top of standard liability. That structural requirement means the gap between GEICO at $25 a month and Progressive at $52 a month for minimum coverage is partly driven by insurer pricing differences and partly by how each carrier prices the required Kansas coverage stack.
Get quotes from at least three insurers to find the best rate for your driver profile.
Kansas requires 25/50/25 liability coverage plus Personal Injury Protection (PIP) and both uninsured motorist (UM) and underinsured motorist (UIM) coverage. Kansas is a no-fault state, meaning PIP covers your own medical expenses after an accident regardless of fault. This stack of required coverages means minimum policies in Kansas are more comprehensive than in neighboring at-fault states. Learn more about the cheapest car insurance options in Kansas to compare rates across providers.
Kansas sits in Tornado Alley. Comprehensive coverage, which pays for tornado, hail, and flood damage, is worth carrying in this state. Travelers and Shelter Insurance both include new car replacement, which matters when severe weather totals a vehicle. You can also look into a home and auto bundle in Kansas to reduce your overall cost.
Kansas allows credit scoring in rate setting. Shelter’s $91 a month is the cheapest bad-credit minimum in the state. Travelers’ $122 a month is the best-scored bad-credit rate, meaning it earns the highest overall MoneyGeek score for that profile, not the lowest price. The $31 a month difference between those two rates reflects the trade-off between cost and service quality for bad-credit drivers. Improving credit over time can help reduce rates. Review low income car insurance options in Kansas for additional options.
Travelers wins both best overall score and the cheapest rate for DUI drivers in Kansas at $45 a month minimum, based on Quadrant Information Services data. Read more about car insurance after a DUI in Kansas to understand how rates change and what to expect.
Kansas violations usually age off records after three years. Annual shopping when a violation clears can reduce rates, with notable impact on DUI surcharges. You may also need SR-22 insurance in Kansas during this period.
GEICO offers the cheapest minimum coverage in Kansas at $25 a month for a clean-record adult driver, based on Quadrant Information Services data. For drivers with bad credit, Shelter Insurance is the cheapest at $91 a month minimum. For DUI drivers, Travelers is both best and cheapest at $45 a month minimum.
Kansas rates run above many neighboring Midwestern states because of its required PIP, UM and UIM coverage stack, along with above-average comprehensive exposure from tornadoes and hail. Minimum coverage starts as low as $25 a month with GEICO, while full coverage averages around $82 to $103 a month depending on the insurer and driver profile, per Quadrant Information Services data.
Yes. Kansas is a no-fault state requiring Personal Injury Protection (PIP) coverage. PIP pays for your own medical expenses and a portion of lost wages after an accident regardless of fault, reducing the need for lawsuits after minor crashes.
Kansas requires 25/50/25 liability coverage, plus Personal Injury Protection (PIP), uninsured motorist (UM) coverage, and underinsured motorist (UIM) coverage. This is one of the more comprehensive minimum coverage stacks in the country.
Yes. Kansas permits auto insurers to use credit scores in rate-setting. Both Shelter and Travelers offer competitive bad-credit rates in Kansas, with Shelter holding the cheapest minimum at $91 a month for that profile.
Auto-Owners ranks first for customer experience among Kansas's analyzed insurers with a perfect 5.00/5 score and leads my scoring in all 10 Kansas cities. Travelers ranks second at 4.60/5.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
