GEICO provides Kansas drivers the most affordable insurance, with monthly rates of $25 for minimum coverage and $71 for full coverage. Drivers save $36 monthly (43%) compared to state averages. Get quotes from Travelers, Auto-Owners, Shelter and State Farm too.
Cheapest Car Insurance in Kansas
Updated: August 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Kansas for most drivers are GEICO, Travelers and Auto Owners, offering average savings of up to 43%.
Car insurance costs can be as low as $23 for minimum coverage and $62 for full coverage policies on average in Kansas.
To get the cheapest car insurance in Kansas, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Kansas?
| Geico | $25 | $71 | -43% |
| Travelers | $33 | $76 | -35% |
| Auto Owners | $36 | $87 | -27% |
| Shelter Insurance | $45 | $97 | -16% |
| State Farm | $36 | $118 | -9% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN KANSAS
We've created additional guides below to help you in your search for the best and cheapest car insurance in Kansas:
Best Car Insurance Rates by Category in Kansas
GEICO offers the cheapest rates in four out of our 10 driver categories, including adult drivers and those with speeding tickets, while Travelers matches this performance by winning four categories with affordable rates for young and senior drivers. Find your specific rates in the table:
| Young Drivers | Travelers | $66 |
| Adult Drivers | Geico | $26 |
| Senior Drivers | Travelers | $46 |
| Drivers With An Accident | Travelers | $43 |
| Drivers With A DUI | Travelers | $45 |
| Drivers With A Speeding Ticket | Geico | $31 |
| Drivers With Bad Credit | Shelter Insurance | $91 |
| Drivers With Low Income | Shelter Insurance | $56 |
| Drivers With Newer Cars | Geico | $28 |
| Drivers With Old Cars | Geico | $20 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Kansas for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Shelter offers the lowest rates at $230 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Shelter Insurance | $230 | $2,757 | -37% |
| Travelers | $262 | $3,143 | -28% |
| Auto Owners | $279 | $3,353 | -23% |
| Geico | $289 | $3,470 | -21% |
| Farm Bureau | $304 | $3,650 | -17% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Kansas by City
Where you live in Kansas affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $23 in Manhattan but costs $40 in Mission. Here are the cheapest providers for every Kansas city:
Data filtered by:Results filtered by:
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City:Abbyville
| Abbyville | Geico | $25 | -42% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Kansas
Finding the lowest-priced insurance companies is just one part of getting affordable car insurance in Kansas. These proven strategies will help you save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from at least three insurance companies through different channels like independent agents, comparison sites and direct from providers. Your quotes will vary based on how you get them, so exploring multiple options helps find the best deal.
- 2
Know Your Coverage Needs
Understanding the coverage you need helps avoid paying for unnecessary add-ons while ensuring you have enough protection. Consider your state's requirements, vehicle value and personal assets when choosing coverage levels.
- 3
Consider Lower Coverage Amounts
Reducing coverage levels and raising deductibles can lower your premium costs if you need to save money. Just make sure to evaluate your financial situation, driving habits and location before making this choice.
- 4
Research Costs and Discounts
Look up average auto insurance costs for drivers like you to understand typical rates. Check for discounts and compare home and auto insurance bundle prices to maximize your savings.
- 5
Look Into Alternative Insurance Options
Consider pay-per-mile car insurance if you don't drive much, or try telematics programs that track driving habits for potential savings. Check if your car manufacturer offers special insurance programs with lower rates.
- 6
Improve Your Risk Profile
Work on your credit score and maintain a clean driving record to qualify for better rates. Insurance companies offer lower premiums to drivers they consider less risky.
- 7
Choose a Cost-Effective Vehicle
If you're shopping for a car, pick a cheaper car to insure to reduce your coverage costs. Older, reliable vehicles typically cost less to repair and insure.
Risks of Getting the Cheapest Car Insurance in Kansas
Kansas requires drivers to carry liability insurance with minimum coverage of 25/50/10. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $10,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Kansas, average property damage claims hit $4,825 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Kansas gets hit with severe weather that damages cars regularly. Weather-related property damage averaged $3,890 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against tornadoes and severe storms that frequently hit Kansas.
Bodily injury damage is more likely to be higher than the minimum limits
Kansas's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. Average bodily injury claims in Kansas reached $22,850 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Kansas has a serious uninsured driver problem, with 11% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Kansas, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $8,250, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Kansas: Bottom Line
GEICO offers the lowest car insurance rates in Kansas for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Kansas: FAQ
Below, we answer common questions about finding affordable car insurance in Kansas to help you get the right coverage at the best price.
What are the cheapest car insurance companies in Kansas?
GEICO provides the most affordable car insurance in Kansas, with average annual rates of $302 for minimum coverage and $849 for full coverage. Travelers, Auto-Owners, Shelter and State Farm also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Kansas?
Travelers provides the most affordable rates for young drivers in Kansas, with monthly premiums starting at $66 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Kansas?
Senior drivers in Kansas can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $46 per month for minimum coverage.
Who has the cheapest car insurance in Kansas for bad credit?
Shelter provides the most affordable rates for bad-credit drivers in Kansas, with monthly premiums averaging $91 for minimum coverage and $208 for full coverage.
Who has the cheapest car insurance in Kansas with an accident?
Travelers offers the most affordable car insurance rates for Kansas drivers with an accident history, starting at $43 per month for minimum coverage.
Who has the cheapest car insurance in Kansas with a DUI?
Travelers provides the cheapest car insurance after a DUI in Kansas, with rates of $45 monthly for minimum coverage and $110 monthly for full coverage.
Who has the cheapest car insurance in Kansas for those with a speeding ticket?
Kansas drivers with a speeding ticket can find the lowest insurance rates with GEICO, charging $31 monthly for minimum coverage and $87 for full coverage.
Should you buy the cheapest car insurance in Kansas?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Kansas.
How We Found the Most Affordable Car Insurance in Kansas
MoneyGeek collected auto insurance data from the Kansas Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Kansas.
Kansas Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Kansas
We compared car insurance companies in Kansas that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Kansas.
The minimum coverage liability limits in Kansas are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed August 16, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 16, 2025.
- National Centers for Environmental Information. "Climate at a Glance ." Accessed August 16, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 16, 2025.