Kansas Car Insurance Calculators: Cost & Coverage

• Our Kansas rate data comes from Quadrant Information Services, which pulls premium data directly from insurer filings with state regulators. Every rate filed in Kansas is a matter of public record.
• We track every residential ZIP code in Kansas and update rates monthly.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, authored this page. Mark Friedlander of the Insurance Information Institute reviewed it.
• Our editorial standards keep our recommendations free from any influence by carrier relationships. Our rating guidelines apply the same criteria to every insurer we analyze.

Most Kansas drivers compare the big brands they've seen on advertisements. That comparison misses $113 a month. GEICO is cheapest at $71 a month. But Dairyland, which doesn't even write policies in Missouri, Nebraska, Oklahoma, or Colorado, charges $184 a month for the exact same coverage on the same driver. The other Kansas insurers fall between $76 a month (Travelers) and $160 a month (Farm Bureau), all for the same coverage.  

State Farm charges $119 a month for a driver with no tickets or accidents and good credit, exactly the Kansas average. But State Farm's business depends on long-term customers who keep renewing every six months without comparing prices. State Farm's prices don't have to stay low for drivers with poor credit. The result: the same driver with poor credit pays $692 a month at State Farm. That's $490 a month more than at Shelter Insurance for identical coverage.  

GEICO's $71 a month looks like the clear winner until you add a teenager to the policy. GEICO prices that same teenager at $230 a month. Travelers prices the same teenager at $152 a month. The insurance company that saves $5 a month for the parent costs $78 a month more the year the teenager starts driving. Travelers also has the lowest price for drivers with a DUI on their record ($110 a month) and for senior drivers ($91 a month). 

No other Kansas insurance company has the lowest price for all four of those driver types at once. Start with MoneyGeek's cheapest car insurance in Kansas to see prices for every driver in your home, not just your own rate.

In Kansas, insurance companies price your policy based on the address on your registration. The statewide difference between the most and least expensive ZIP code for minimum coverage is $26 a month: Kansas City's most expensive ZIP costs $66 a month, and the cheapest small-town ZIP codes cost $40 a month. That $26 a month difference doesn't require you to move to a different city. It requires confirming your registration address is current.

Within Wichita alone, the gap between the most expensive ZIP (67214, $150 a month full coverage) and the cheapest (67227, $120 a month) is $30 a month, which is 69% of the price difference across all of Kansas. Most drivers who move within the city don't update their car insurance address until the next renewal. If you've moved to a cheaper Wichita ZIP code and haven't updated your car insurance address, you're paying $30 a month more than you need to for the same insurance.

In Kansas, rates fall steadily with age, from $640 a month at 16 down to $123 a month at 60, but the biggest drops happen years before 25.

The birthday worth targeting is the 17th. In Kansas, the largest single-year rate drop is 16-to-17: $117 a month. The 18-to-19 drop is $104 a month. By 24-to-25, the annual drop has shrunk to $19 a month, less than the 20-to-21 drop of $62 a month, which nobody tells you to wait for. A family that waits until the teenager's 25th birthday has missed both the $117 and the $104 drop in the years before it.

The birthday worth getting new insurance quotes for is the 17th: Travelers charges Kansas teen drivers $152 a month, while GEICO charges the same teenager $230 a month. That $78 a month difference doesn't show up when you only compare prices for adult drivers.

For senior drivers, Kansas insurance prices reach their lowest point at age 60 ($123 a month) and start going back up at age 70 ($135 a month). By 80, the price reaches $172 a month, $49 a month above the lowest price at 60. The right time for older Kansas drivers to get new insurance quotes is around their 70th birthday, not just whenever they consider themselves seniors.

Most drivers think credit affects their car insurance rate by $20 or $30 a month. In Kansas, the gap between Good and Poor credit is $198 a month on the same full-coverage policy. Fixing your credit saves nearly three times more money than lowering your coverage does. If you're lowering your coverage to save money but your credit is below Good, you're fixing the smaller problem and ignoring the bigger one.

The standard rule is better credit means lower rates, but not in Kansas. At 7 of 11 Kansas carriers, Excellent credit costs more than Good. At Farmers, the penalty for Excellent over Good is $46 a month. At Allstate, having Excellent credit instead of Good costs $31 a month more. Across all Kansas insurers, the Excellent credit tier averages $128 a month, $9 more per month than the Good tier. A driver who improved their score from Good to Excellent and renewed without re-shopping is now paying more than before the improvement.

State Farm charges $119 a month for a driver with good credit and no violations, but $692 a month for a driver with poor credit. The Kansas average for poor-credit drivers is $317 a month, so State Farm charges more than twice the average. A poor-credit driver at State Farm pays $490 a month more than at Shelter Insurance. When your credit improves, you need to get new quotes from insurance companies. 

An insurer won't automatically lower your price during your current 6-month policy period. If you also switch to a cheaper company at the same time, you save money from both changes at once.

Most drivers assume their rate only goes up if they caused the accident. In Kansas, that's not how it works. Kansas adds $4 a month ($48/year) to the price of drivers who were in an accident that wasn't their fault. If you caused the accident, your price goes up $53 a month ($636/year). A drunk driving conviction (DUI) adds $74 a month ($888/year) to your price.

After a drunk driving conviction, which insurance company you use matters more than how much the DUI adds to your price. The difference between the cheapest and most expensive insurance company for a driver with a DUI in Kansas is $269 a month. Travelers charges $110 a month. Farm Bureau charges $379 a month, which is $219 more than its own clean-record rate. That $269 a month difference adds up to $3,228/year. The average Kansas insurer adds about $74 a month for a DUI. The difference between insurers is nearly four times larger than what the DUI itself adds to your price.

Get new insurance quotes three years after the date of your violation or conviction. That's when the violation is removed from the three-year history insurers use when setting your price. Insurers look back three years, so three years after the date is when the extra charge stops counting. The SR-22 is a document your insurer files with the state to prove you have insurance. It's a separate requirement with its own deadline. Most drivers wait for the SR-22 requirement to end before getting new quotes. 

That's usually too late: you can get a lower price as soon as the violation is off your three-year history, which can happen before the SR-22 requirement ends.

When drivers want to cut their car insurance bill, most start by dropping to minimum coverage. In Kansas, that saves $72 a month. It's a good idea, but coverage level is the smallest way to save. Switching to a cheaper insurance company saves up to $113 a month, and improving your credit score saves up to $198 a month.

Kansas's minimum legal insurance covers up to $25,000 for medical costs per person hurt in a crash you cause, up to $50,000 total for all injuries per accident, and up to $25,000 for damage to other people's cars or property. A driver who drops to those limits and causes a crash where one person's bills reach $80,000 is personally responsible for $55,000, the difference between what the insurance pays and what the bills actually cost. That debt doesn't disappear when your insurance has paid its limit. 

Minimum coverage keeps you legal, but if you cause a serious accident, the injured person can sue you for whatever your insurance didn't cover, and that can come out of your savings or wages. The Kansas Department of Insurance's guidance is specific, so consider dropping to minimum-only on vehicles valued below $3,000. At $72 a month for the coverage difference ($864/year), a $3,000 vehicle is worth less than four years of that premium. 

Check what your car would sell for today, not what you paid for it. If your car is worth less than $3,000, dropping to minimum coverage makes sense. If your car is worth more than $3,000, the $72 a month for full coverage is worth paying. In Kansas, where hail and tornadoes damage vehicles every spring, it usually is.

For Kansas drivers, it's not about the kind of insurance to choose but whether your monthly payment is worth more than the check you'd get if your car were destroyed in an accident or storm. The Kansas Department of Insurance puts that threshold at $3,000. Below that value, consider dropping to minimum-only.

The difference between full and minimum coverage costs $72 a month ($864/year). If your car is worth only $3,000, you'd spend the car's entire value in that extra insurance in under four years. Kansas's severe weather changes this calculation. From 2020 to 2024, Kansas averaged 5.6 billion-dollar severe storm events per year, more than double the historical average, per NOAA's National Centers for Environmental Information.

Comprehensive insurance is what pays out when hail destroys your car or a tornado totals it. A Kansas driver who drops this coverage and carries it through a spring hail season is betting the car's remaining value against a risk that has gotten worse every year. The Kansas Department of Insurance's $3,000 threshold reflects these conditions. If your car is worth less than $3,000, you'll pay more in insurance over time than you'd get back if it were destroyed. If your car is worth more than $3,000, paying for full coverage makes financial sense.

Bodily injury liability pays the medical bills and related costs of people you injure when you cause a crash. Kansas's minimum is $25,000 per person and $50,000 per accident, per the Kansas Department of Insurance. Those limits apply per crash, not per year. If you cause a crash that injures two people and only have the legal minimum insurance, you personally owe everything above $25,000 per person that your insurance doesn't cover.

Property damage liability pays for damage you cause to other people's cars, structures and property when you're at fault. Kansas's minimum property damage coverage is $25,000 per accident.

Uninsured and underinsured motorist coverage pays your medical bills and related costs when the driver who hit you has no insurance or not enough to cover the damage. Kansas requires this coverage on every personal auto policy under K.S.A. § 40-3107. You can request a lower limit in writing, but the coverage itself is required. The minimum required is $25,000 per person and $50,000 per accident, the same amounts as the injury coverage minimums. Kansas's uninsured driver rate is roughly 12%, about 1 in 8 drivers on the road. That rate is why Kansas law requires the coverage on every policy.

Collision and comprehensive are separate coverages that protect your own vehicle. Collision coverage pays you to repair or replace your own car after a crash, no matter who caused it. Comprehensive covers everything collision doesn't. In Kansas, weather damage is the primary risk. Theft and fire are also covered. In Kansas, hail and tornado losses are the primary comprehensive risk. 

NOAA's National Centers for Environmental Information confirms Kansas averaged 5.6 billion-dollar severe storm events per year from 2020 to 2024, more than double the historical average. These coverages appear in your results for one of two reasons: you're still making loan payments on your car and the bank requires them, or your car is worth enough that fixing it yourself would cost more than the yearly insurance payment.

Gap insurance pays the difference between what your car is worth when it gets destroyed beyond repair and what you still owe on your car loan. If you're still paying off your car loan and the car gets destroyed, regular collision and comprehensive insurance pay you what the car was worth at the time, which may be less than what you still owe the bank.

SR-22 is a document your insurance company sends to the Kansas Department of Revenue to prove that you have the legally required minimum insurance. The state requires this after certain violations to make sure high-risk drivers stay covered. Kansas requires SR-22 filing after a DUI conviction or reckless driving charge, and for uninsured driving, under K.S.A. 8-1567. How long you'll need the SR-22 depends on what you were convicted of and whether it's a first offense. 

Contact the Kansas Department of Revenue at ksrevenue.gov to find out how long it applies to your situation. If your insurance cancels or expires at any point while you're required to have the SR-22, the state starts the requirement over from the beginning and can suspend your license.

1. Get a Travelers quote for your full situation, not just the adult rate. Travelers is $5 a month more expensive than GEICO for a driver with no tickets or accidents. Travelers is $78 a month cheaper than GEICO when a teenager is on the plan, has the lowest price for drivers with a DUI ($110 a month), and the lowest price for senior drivers in Kansas ($91 a month). A family that compares prices only for the adult driver and picks GEICO loses that $5 a month saving as soon as a teenager is added. Start with MoneyGeek's cheapest car insurance in Kansas to compare prices for every driver in your home against all 11 Kansas insurers at once.
2. Re-shop on the 17th birthday, not the 25th. The 16-to-17 rate drop in Kansas is $117 a month, the largest single-year reduction in the state. At 18-to-19, it's $104 a month. By 24-to-25, the drop shrinks to $19 a month, smaller than the drop at 20 and 21. A family that waits until the teenager's 25th birthday to get new quotes has already missed the two largest price drops, which together were worth $221 a month. Get new quotes at 17, not at 18 when many teens get their own policy, and not at 25, which is what most insurance advice points to.
3. If your credit is Poor or Below Fair and you're with State Farm, get a new quote today. State Farm's Kansas Poor-credit rate is $692 a month, $490 a month more than Shelter Insurance and $375 a month above the state's average Poor-credit rate. State Farm's price for a driver with good credit and no violations is $119 a month, the Kansas average. State Farm charges poor-credit drivers 5.82 times more than good-credit drivers. The Kansas average is 2.67 times more. State Farm's credit penalty is more than double the Kansas average. Any driver with poor credit who chose State Farm because the price looked good for a no-violation driver is overpaying every month until they get new quotes. MoneyGeek's bad credit car insurance guide ranks all 11 carriers at each credit tier.
4. If you're registered in Wichita, confirm your registration ZIP matches where your car parks overnight. The price difference between the most expensive Wichita ZIP code (67214, $150 a month full coverage) and the cheapest (67227, $120 a month) is $30 a month ($360/year). Both ZIP codes are inside the city. Where your car actually parks overnight is the address that should be on your registration. Updating your registration to a cheaper ZIP code within Wichita, if that's where your car actually parks at night, saves $30 a month without changing anything else on your plan.