The Cheapest Car Insurance in Kansas for 2022

An average driver in Kansas can find the most affordable car insurance from American Family, but several factors may affect rates.

The cheapest or best provider for you may be different based on your needs. Drivers with poor credit can get lower rates from Nationwide, while young drivers may find more affordable policies from Allstate.

USAA is also an affordable option if you come from a military family.

If you need a more local solution, we also broke down the cheapest companies in Kansas by city, as well as the best car insurance companies in Kansas for those looking to balance quality service and cost.

To find out how MoneyGeek calculated the cheapest car insurance in Kansas, read our methodology.

cheapestauto insuranceKansas2022

The Cheapest Car Insurance in Kansas

Cheapest for minimum liability - American Family

Cheapest for full coverage - American Family

Cheapest for drivers with a DUI - American Family

Cheapest after an accident - USAA

Cheapest for drivers with a ticket - American Family

Cheapest for drivers with bad credit - Nationwide

Cheapest for senior drivers - Nationwide

Cheapest for student drivers - Progressive

For Kansas drivers, the cheapest car insurance is liability only coverage. This refers to an auto insurance policy that only meets state requirements.

The cheapest minimum liability only auto insurance companies in Kansas are:

• American Family: $376 per year
• Nationwide: $397 per year

USAA costs an average of $270 per year but is only available to current and former military members.

On the other hand, the most expensive option for minimum coverage car insurance in Kansas is Allstate, with an average annual rate of $591.

Cheapest Minimum Car Insurance in Kansas

These prices are only estimates based on rates for an average Kansas driver and should not be used to compare insurance prices.

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Kansas drivers who have full coverage policies with higher liability limits and comprehensive and collision insurance pay higher premiums. However, this ensures protection against most road and off-road incidents in the state. It also includes protection for the cost of damages to your car. When looking for the best car insurance in Kansas, you should compare rates from multiple auto insurers.

For drivers looking for the cheapest comprehensive and collision insurance, the top two options in Kansas are:

• American Family: $758 per year
• Nationwide: $764 per year

USAA only costs an average of $623 per year. However, it is only offered to current and former military members.

The most expensive car insurance company in Kansas for full coverage is MetLife, costing $1,182 per year.

Cheapest Full Coverage Car Insurance in Kansas

Since individual needs and circumstances vary, your auto insurance premium may be different than the examples provided. These rates are based on a comprehensive and collision insurance policy that covers up to $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage per accident.

Kansas drivers can get reasonably accurate car insurance quotes on the websites of most carriers. To find the best policy, you should compare quotes from different providers.

• Make sure that you use the same requirements when getting quotes. For instance, if you get a quote for comprehensive and collision insurance with a $1,000 deductible from one company, you should ask for the same coverage level from another insurer.
• To compare quotes, the personal information you provide determines your car insurance quote. You can enter your ZIP code in MoneyGeek’s car insurance calculator to get an estimated rate. You’ll need to put in more specific information to get a personalized quote.
• The cheapest companies based on average rates for an average driver in Kansas are USAA, American Family and Nationwide. You can start your search by getting quotes from these insurance providers.

Auto Insurance Calculator

State

Kansas

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$291

2.

American Family

$382

3.

State Farm

$409

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Having a DUI on your record in Kansas will increase your car insurance rates, and you might also need to file an SR-22. A DUI can increase the average rate of comprehensive and collision coverage in Kansas to $1,418 per year. That is higher than the $931 average rate for a driver with a clean record.

Based on average rates, the cheapest options for comprehensive and collision insurance if you have a DUI are:

• American Family: $758 per year
• State Farm: $921 per year

Although USAA is among the top insurers in terms of affordability for Kansas drivers with a clean record, State Farm has lower rates for individuals with a DUI in their driving history.

Average Car Insurance Rates With a DUI

A conviction for a DUI in Kansas can include a combination of jail time, fines, license suspension and ignition interlock on your vehicle, even for the first offense. According to the Kansas Department of Transportation, 48 people are arrested and six people are injured or killed in alcohol-related accidents on any given day. Data collected by the Centers for Disease Control and Prevention shows that 1,406 people in Kansas died in alcohol-related crashes from 2009-2018 and 1.6% of people in Kansas say they have driven after drinking too much within the past 30 days. The above table outlines what drivers in Kansas can expect to pay for auto insurance following receiving a DUI.

A DUI conviction can affect your chances of getting cheap car insurance in Kansas for as long as it stays on your driving record, which is at least five years. It's important to know how to avoid getting a DUI and discover the true cost of drinking and driving, which includes the impact a DUI can have on your auto insurance rates.

A clean driving record means you pay less for car insurance per year. In Kansas, a safe driver spends an average of $931 annually. In comparison, having an at-fault accident on your driving record increases your premium to an annual average of $1,364. That’s a difference of $433.

If you have an at-fault accident on your driving record, you can purchase cheap car insurance in Kansas from:

• State Farm: $995 per year
• American Family: $1,158 per year

USAA is another cheap option if you’re eligible. A policy with similar coverage costs $891 per year on average.

Cheapest Car Insurance With an At-Fault Accident

Even minor driving violations, such as speeding tickets, can increase car insurance rates in Kansas. The average cost of car insurance in Kansas for a driver with a speeding ticket is $1,139 per year, which is higher than the annual average rate of $931 for those with a clean record.

The most affordable options for full coverage insurance if you are a Kansas driver with a speeding ticket are:

• American Family: $758 per year
• State Farm: $921 per year

USAA costs roughly $754 per year but is only available to current and former members of the military.

USAA and American Family offer the cheapest options for drivers with clean records and those who have a speeding ticket in Kansas.

Average Car Insurance Rates With a Ticket

Distracted driving is a serious matter. Whether you get a ticket for speeding or distracted driving, finding the cheapest car insurance rates in Kansas will be challenging. The table above shows the average cost of car insurance after one ticket from the five top-rated auto insurance companies in Kansas.

Distracted driving is not just using your cell phone when driving. It can also include eating, drinking, looking at the radio and talking to passengers in the vehicle. Any conviction for distracted driving, including using a cell phone while driving, can increase your car insurance premium and include fines or possible jail time. It's important to find ways to prevent distracted driving in Kansas in order to keep insurance costs low.

Having bad credit scores will increase your auto insurance rate in Kansas. The average annual cost for a full coverage policy in the state if you have poor credit is $1,649. A similar policy for a driver with good credit is only $931 per year.

The cheapest car insurance companies in Kansas for a full coverage policy if you are a driver with a bad credit score are:

• Nationwide: $1,110 per year
• American Family: $1,348 per year

USAA costs an average of $1,141 per year. However, it is only offered to military members.

American Family is among the most affordable options for the average driver who has a full coverage policy. However, Nationwide offers lower rates for drivers with poor credit scores.

Average Car Insurance Rates for Drivers With Bad Credit

Your credit score can have an impact on your auto insurance rates in most states, including Kansas. Credit scores look at past payment history, outstanding debt and how long you’ve had credit. Experian’s most recent data shows that the average Kansas resident has a higher credit score at 711 compared to the national average of 703, which means most will qualify for cheap and affordable car insurance rates that fit their budget. The following a showcase what Kansas drivers with bad credit may pay for their auto insurance.

Kansas drivers with bad credit can expect to pay higher rates for auto insurance than those with good or excellent credit. Luckily, there are practices you can put in place to improve your credit score and be eligible for the best car insurance rates in Kansas.

Car insurance companies in Kansas tend to charge senior drivers slightly less than young adults and middle-aged drivers. The average cost of a full coverage policy for a senior driver in the state is $919 per year, which is $12 less than the annual average rate for the average driver.

The cheapest auto insurers in Kansas for a full coverage policy if you are a senior driver are:

• USAA: $638 per year
• Nationwide: $697 per year

Although American Family offers one of the cheapest average rates for the average 40-year-old driver with full coverage insurance, Nationwide offers lower rates for senior drivers in Kansas.

Average Car Insurance Rates for Seniors

Kansas is one of the few states that does not have age-based licensing laws for seniors. However, 15.1% of drivers involved in fatal accidents in Kansas in 2017 were seniors. As you age, the cost of car insurance may increase after the age of 65. Seniors in Kansas can expect to pay the estimates shown in the above table.

Reflexes and cognitive ability to make quick judgments behind the wheel can slow significantly as a person ages. Insurance companies recognize that slowdown and so your age can affect your chance of getting the most affordable car insurance. To get the best rates, learn about potential discounts and find the cheapest car insurance in Kansas for seniors.

Inexperience is a disadvantage when you’re buying car insurance. Studies have shown that young drivers are more likely to miss hazards on the road and drive faster than their older counterparts.

These result in higher incidents of accidents, making young drivers riskier to insure. In turn, it leads to more expensive car insurance premiums in Kansas. A 16-year-old driver spends $2,583 per year on average, while a 25-year-old only pays around $964 annually.

MoneyGeek’s analysis found Allstate to have the most affordable car insurance for young drivers between 16 and 25.

Annual Car Insurance In Kansas for Young Drivers

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• Age
  Average Cost
  Cheapest Company
  Company Cost
• 16
  $2,583
  Progressive
  $2,065
• 17
  $2,301
  Allstate
  $2,071
• 18
  $2,064
  Allstate
  $1,838
• 19
  $2,112
  Allstate
  $1,804
• 20
  $1,834
  Allstate
  $1,556
• 21
  $1,448
  Allstate
  $1,352
• 22
  $1,266
  Nationwide
  $1,267
• 23
  $1,147
  Nationwide
  $1,134
• 24
  $1,121
  Allstate
  $1,072
• 25
  $964
  Nationwide
  $916

Show more

Teen drivers in Kansas must carry the same minimum auto insurance required of anyone else. Full-time college students from out of state do not have to obtain a Kansas license or registration. Kansas residents enrolled in an out-of-state school should inform their insurance company if the vehicle will be used in another state for more than 30 days per year.

There are ways to keep rates affordable, including higher deductibles, specific discounts for good grades and maintaining a clean driving record and keeping them on the family car insurance plan if they don’t have a car titled in their own name. Driving safely is the most important way young drivers can keep their car insurance cheap. The above table outlines estimates for young drivers in Kansas.

If you're a veteran or active-duty military in Kansas, save money on your auto insurance by asking carriers for their military discount. Discounts are not always automatic — a good driving history is also considered when insurance companies set a premium rate.

Kansas has over 21,000 active-duty military personnel living in the state. Service members who live in Kansas but are deployed elsewhere can renew their vehicle registration online. Kansas will waive the property tax on a vehicle registration if the active duty member's name is on the title, along with proof of insurance.

Average Rates for Kansas service members

25 years$1,421
50 years$1,040

25 years$1,281
50 years$1,051

All drivers must provide proof that they meet the minimum auto insurance standards in Kansas before the DMV will register a car and issue license plates. It's against Kansas law for a motor vehicle owner to lend an uninsured car to anyone else.

Proof of Insurance in Kansas

Kansas drivers must provide proof of insurance when registering their vehicles. They’ll also have to show documentation after an accident or if an officer asks for it.

Minimum Liability Insurance Requirements in Kansas

Kansas law is unusual in that it requires three different types of insurance.

Liability insurance:

• $25,000 for injury or death per person
• $50,000 for total injuries or deaths per accident
• $25,000 for property damage

Personal injury protection (PIP):

• $4,500 per person for medical costs
• $900 per month for a year for disability and loss of income
• $25 per day for in-home services
• $2,000 for funeral, cremation or burial costs
• $4,500 for rehabilitation

Uninsured and underinsured motorist coverage:

• $25,000 per person for injuries
• $50,000 for injuries per accident

Alternatives to Insurance in Kansas

Although some states allow drivers to purchase a sizable bond in lieu of insurance, there are no alternatives to vehicle insurance in Kansas (unless you own 26 or more cars and self-insure them).

However, the Kansas Automobile Insurance Plan can help high-risk drivers obtain car insurance if at least three insurance companies refuse to issue a policy. Kansas-licensed car insurance agents can provide information on how to apply.

How Much Coverage Do You Need in Kansas?

The minimum levels of insurance required by the law may not be enough to cover you in an accident. The Insurance Information Institute says experts recommend you carry liability insurance with a minimum of $100,000 per injury or death and at least $300,000 per accident. The Kansas Insurance Department suggests you consider additional types of insurance if you can afford it.

Collision coverage pays for repairs or replacement if your car is damaged in a crash. Comprehensive insurance covers damages caused by something other than a crash, such as a natural disaster. Collision and comprehensive coverage may also be necessary to secure a car loan or lease a vehicle.

Cheapest Car Insurance in Kansas by City

The cost of car insurance in Kansas is significantly affected by your location because rates differ between cities within a state. A full coverage car insurance policy costs an average of $816 per year if you live in Olathe. In comparison, drivers who reside in Kansas City spend around $1,051 each year on car insurance.

Clicking on the city allows you to read more information about car insurance in that area.

Average Insurance Rate by City in Kansas

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• City
  Annually
  Monthly
• 1.
  Kansas City
  $1,051
  $88
• 2.
  Olathe
  $816
  $68
• 3.
  Overland Park
  $824
  $69
• 4.
  Topeka
  $832
  $69
• 5.
  Wichita
  $931
  $78

Most Kansas drivers looking for the best car insurance consider the price of the policy and which companies to consider.

Expert Advice on Finding Cheap Car Insurance in Kansas

To help you find credible and accurate details on car insurance in Kansas, MoneyGeek collected expert advice from proven professionals. The views and opinions shared are those of the individual contributor.

1. What are the key factors drivers in Kansas should look for when searching for the best auto insurance coverage?
2. What steps can drivers in Kansas take to find affordable car insurance?

Derek Lawson

Assistant Professor, Ph.D., CFP at Kansas State University; Partner & CCO (Priority Financial Partners)

READ ANSWERS

Dr. Tricia Petak

Associate Professor of Business at Kansas Wesleyan University

READ ANSWERS

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About the Author

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Mandy Sleight is a professional freelance writer and licensed insurance agent. She has her property, casualty, life, and health licenses and has been working in the industry since 2005. Mandy has worked for well-known insurance companies like State Farm and Nationwide Insurance, and most recently as the Operations Coordinator for a start-up employee benefits company.

Mandy earned her Bachelor of Science degree in Business Administration and Management from the University of Baltimore and her Master in Business Administration from Southern New Hampshire University. She uses her vast knowledge of the insurance industry and personal finance combined with her writing background to create easy-to-understand and engaging content to help readers make smarter choices with their budget and finances.

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