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The Cheapest Car Insurance in Kansas (November 2023)


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Fact Checked
Updated: Nov 7, 2023
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Nationwide offers the cheapest car insurance in Kansas for most driver profiles. For other types of motorists, American Family or USAA might be more affordable.

Drivers who want to balance cost with quality service can study MoneyGeek's rankings of the best car insurance companies in Kansas.

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Table of Contents

Cheapest Minimum Liability Car Insurance in Kansas (November 2023)

MoneyGeek’s research shows Kansas’ cheapest auto insurance companies for minimum coverage policies are:

  • Nationwide: $326 per year
  • Auto-Owners: $358 per year

Conversely, Dairyland offers the most expensive minimum coverage car insurance in the state, costing approximately $972 per year.

Minimum coverage car insurance in Kansas covers bodily injury liability, property damage liability, uninsured motorists and personal injury protection.

Company
Annual Premium
Monthly Premium

Nationwide

$325

$27

Nationwide

$326

$27

Iowa Farm Bureau

$327

$27

Auto-Owners Insurance Co

$358

$30

Auto-Owners Insurance Co

$386

$32

Iowa Farm Bureau

$392

$33

Farmers Union Insurance

$392

$33

GEICO

$394

$33

Farmers Union Insurance

$410

$34

Travelers

$416

$35

Nationwide

$419

$35

Travelers

$432

$36

Shelter

$440

$37

GEICO

$446

$37

State Farm

$448

$37

Travelers

$455

$38

American Family

$463

$39

Auto-Owners Insurance Co

$465

$39

Iowa Farm Bureau

$465

$39

Farmers

$467

$39

American Family

$473

$39

State Farm

$473

$39

Farmers Union Insurance

$477

$40

GEICO

$481

$40

Progressive

$495

$41

Shelter

$525

$44

Farmers

$528

$44

Farmers

$556

$46

Progressive

$571

$48

American Family

$571

$48

State Farm

$575

$48

Progressive

$612

$51

Nationwide

$696

$58

Allstate

$705

$59

Allstate

$713

$59

Nationwide

$768

$64

Allstate

$788

$66

Shelter

$811

$68

American Family

$813

$68

American Family

$895

$75

Travelers

$896

$75

Nationwide

$919

$77

Shelter

$922

$77

Auto-Owners Insurance Co

$933

$78

Dairyland

$965

$80

Dairyland

$972

$81

Travelers

$981

$82

Auto-Owners Insurance Co

$981

$82

GEICO

$982

$82

GEICO

$1,040

$87

American Family

$1,055

$88

Shelter

$1,107

$92

Farmers

$1,128

$94

Iowa Farm Bureau

$1,128

$94

Travelers

$1,137

$95

Farmers

$1,152

$96

GEICO

$1,155

$96

Farmers Union Insurance

$1,162

$97

Dairyland

$1,175

$98

State Farm

$1,209

$101

Auto-Owners Insurance Co

$1,274

$106

Allstate

$1,274

$106

Farmers Union Insurance

$1,322

$110

Allstate

$1,349

$112

Farmers

$1,350

$113

State Farm

$1,355

$113

Allstate

$1,367

$114

Iowa Farm Bureau

$1,399

$117

Progressive

$1,473

$123

Farmers Union Insurance

$1,525

$127

Progressive

$1,635

$136

Shelter

$1,643

$137

State Farm

$1,674

$139

Iowa Farm Bureau

$1,678

$140

Progressive

$1,993

$166

Dairyland

$2,081

$173

Dairyland

$2,290

$191

Dairyland

$2,819

$235

A minimum coverage car insurance policy only covers damages or injuries that you cause to other people. However, it doesn’t pay for damages to your vehicle.

If you’re looking for broader protection, a full coverage car insurance policy offers comprehensive and collision coverage that extends to your vehicle.

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Cheapest Full Coverage Car Insurance in Kansas (November 2023)

Our analysis shows that you can get the most affordable full coverage car insurance in Kansas from these companies:

  • Nationwide: $768 per year
  • American Family: $895 per year

Meanwhile, Dairyland has the priciest full coverage policy in Kansas at around $2,290 per year.

Including comprehensive and collision coverage in your car insurance policy will increase your car insurance premium. For example, Nationwide's full coverage policy is $442 more expensive than the cheapest minimum coverage option with Auto-Owners.

Nonetheless, you get better protection from a full coverage policy as it extends to both on-road damages and off-road incidents. Thus, you’re protected from hit-and-run drivers, flooding, vandalism and other risks.

Company
Annual Premium
Monthly Premium

Nationwide

$325

$27

Nationwide

$326

$27

Iowa Farm Bureau

$327

$27

Auto-Owners Insurance Co

$358

$30

Auto-Owners Insurance Co

$386

$32

Iowa Farm Bureau

$392

$33

Farmers Union Insurance

$392

$33

GEICO

$394

$33

Farmers Union Insurance

$410

$34

Travelers

$416

$35

Nationwide

$419

$35

Travelers

$432

$36

Shelter

$440

$37

GEICO

$446

$37

State Farm

$448

$37

Travelers

$455

$38

American Family

$463

$39

Auto-Owners Insurance Co

$465

$39

Iowa Farm Bureau

$465

$39

Farmers

$467

$39

American Family

$473

$39

State Farm

$473

$39

Farmers Union Insurance

$477

$40

GEICO

$481

$40

Progressive

$495

$41

Shelter

$525

$44

Farmers

$528

$44

Farmers

$556

$46

Progressive

$571

$48

American Family

$571

$48

State Farm

$575

$48

Progressive

$612

$51

Nationwide

$696

$58

Allstate

$705

$59

Allstate

$713

$59

Nationwide

$768

$64

Allstate

$788

$66

Shelter

$811

$68

American Family

$813

$68

American Family

$895

$75

Travelers

$896

$75

Nationwide

$919

$77

Shelter

$922

$77

Auto-Owners Insurance Co

$933

$78

Dairyland

$965

$80

Dairyland

$972

$81

Travelers

$981

$82

Auto-Owners Insurance Co

$981

$82

GEICO

$982

$82

GEICO

$1,040

$87

American Family

$1,055

$88

Shelter

$1,107

$92

Farmers

$1,128

$94

Iowa Farm Bureau

$1,128

$94

Travelers

$1,137

$95

Farmers

$1,152

$96

GEICO

$1,155

$96

Farmers Union Insurance

$1,162

$97

Dairyland

$1,175

$98

State Farm

$1,209

$101

Auto-Owners Insurance Co

$1,274

$106

Allstate

$1,274

$106

Farmers Union Insurance

$1,322

$110

Allstate

$1,349

$112

Farmers

$1,350

$113

State Farm

$1,355

$113

Allstate

$1,367

$114

Iowa Farm Bureau

$1,399

$117

Progressive

$1,473

$123

Farmers Union Insurance

$1,525

$127

Progressive

$1,635

$136

Shelter

$1,643

$137

State Farm

$1,674

$139

Iowa Farm Bureau

$1,678

$140

Progressive

$1,993

$166

Dairyland

$2,081

$173

Dairyland

$2,290

$191

Dairyland

$2,819

$235

The amount of car insurance you need greatly impacts your premium. Our sample full coverage policy features the following liability protections:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

If you’re looking to save on your car insurance costs, you can:

  • choose a policy with lower liability limits
  • remove comprehensive and collision coverage
  • increase your deductible

However, all that may increase your out-of-pocket expenses in case of an accident.

How to Compare Cheap Kansas Car Insurance Quotes Online

Most car insurance providers offer quotes online. However, it may take around 15 minutes to go through the entire process for one provider, and comparing rates means going through the same process multiple times.

You can use MoneyGeek’s car insurance calculator to estimate your car insurance rates quickly without spending time keying your personal information to multiple providers. Our tool can help you find the cheapest car insurance that’s available for you.

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USAA

Cheapest Car Insurance in Kansas by Age (November 2023)

Car insurance rates in Kansas change significantly by your age. Nationwide offers the cheapest rates on average for the various age groups in your family.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: Nationwide
Cheapest for seniors: Nationwide

Cheapest Car Insurance in Kansas for Teens and Their Families (November 2023)

If you’re insuring a teenager, MoneyGeek’s analysis shows that these companies offer the cheapest car insurance in Kansas:

  • Nationwide: $1,108 per year for male teens and $1,030 per year for female teens
  • Allstate: $2,203 per year for male teens Travelers: $1,887 per year for female teens

Conversely, Auto-Owners Insurance Co has the priciest car insurance for young drivers. Its policies cost $3,029 for male teens and $2,642 for female teens.

In Kansas and the rest of the U.S., car insurance premiums for teens decrease with age. This trend leaves the state's 19-year-old drivers paying the most affordable car insurance rates among teens. In Kansas, the provider with the lowest rates for 19-year-old males is Nationwide ($1,006 per year).

On average, a teen policy is cheaper if it's included in a family plan. A 16-year-old teen driver in Kansas pays $2,544 less if they are included in their parent's policy compared to when they are paying for an individual plan.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

GEICO

$557

$981

GEICO

$618

$1,088

Nationwide

$622

$1,077

Nationwide

$639

$1,001

Nationwide

$647

$769

Nationwide

$649

$804

GEICO

$658

$1,159

GEICO

$726

$1,027

Nationwide

$731

$869

Nationwide

$744

$921

Nationwide

$755

$897

Nationwide

$771

$954

Nationwide

$807

$959

Nationwide

$828

$1,024

Nationwide

$856

$1,481

Nationwide

$858

$1,344

Nationwide

$891

$1,699

Travelers

$902

$1,117

GEICO

$920

$1,303

Travelers

$934

$1,172

Farmers

$949

$1,338

Nationwide

$954

$1,495

Nationwide

$954

$1,980

GEICO

$955

$1,681

Allstate

$981

$3,378

GEICO

$981

$1,389

Nationwide

$998

$1,902

Travelers

$999

$1,237

Nationwide

$1,006

$1,740

Farmers

$1,015

$1,469

Travelers

$1,027

$1,272

Nationwide

$1,030

$1,962

State Farm

$1,031

$986

Travelers

$1,045

$1,311

Travelers

$1,062

$1,451

Nationwide

$1,072

$2,224

Travelers

$1,089

$1,349

Auto-Owners Insurance Co

$1,094

$1,133

Nationwide

$1,108

$2,299

Travelers

$1,111

$1,394

State Farm

$1,132

$1,082

Allstate

$1,145

$1,200

State Farm

$1,150

$1,099

Allstate

$1,180

$1,209

Auto-Owners Insurance Co

$1,188

$1,143

Travelers

$1,196

$1,665

Auto-Owners Insurance Co

$1,197

$1,240

Travelers

$1,201

$1,507

State Farm

$1,214

$1,161

Travelers

$1,214

$2,293

Travelers

$1,231

$1,682

Allstate

$1,235

$4,129

Auto-Owners Insurance Co

$1,235

$1,189

Allstate

$1,236

$1,673

State Farm

$1,254

$1,361

GEICO

$1,257

$1,722

Allstate

$1,289

$4,434

Auto-Owners Insurance Co

$1,290

$1,241

State Farm

$1,291

$1,234

Allstate

$1,298

$1,330

Auto-Owners Insurance Co

$1,301

$1,348

State Farm

$1,329

$1,271

Allstate

$1,341

$1,915

Auto-Owners Insurance Co

$1,359

$1,308

Allstate

$1,360

$1,424

GEICO

$1,364

$2,125

Travelers

$1,378

$1,919

Auto-Owners Insurance Co

$1,383

$1,390

GEICO

$1,387

$1,963

Travelers

$1,389

$1,898

Travelers

$1,395

$2,706

State Farm

$1,407

$1,345

Auto-Owners Insurance Co

$1,410

$1,638

Allstate

$1,420

$1,454

State Farm

$1,421

$1,542

Progressive

$1,432

$1,768

Auto-Owners Insurance Co

$1,433

$1,485

Allstate

$1,433

$1,939

Travelers

$1,458

$2,754

Progressive

$1,474

$1,401

Progressive

$1,479

$1,372

Allstate

$1,488

$4,968

GEICO

$1,507

$2,349

Allstate

$1,508

$1,577

Auto-Owners Insurance Co

$1,511

$1,518

GEICO

$1,517

$2,077

State Farm

$1,524

$1,657

GEICO

$1,533

$2,973

Allstate

$1,545

$1,581

State Farm

$1,577

$1,508

Travelers

$1,580

$2,201

State Farm

$1,588

$1,724

Auto-Owners Insurance Co

$1,596

$1,854

Progressive

$1,607

$1,490

State Farm

$1,611

$1,955

Progressive

$1,633

$1,552

Allstate

$1,645

$1,720

Allstate

$1,648

$2,351

Farmers

$1,651

$3,953

Farmers

$1,663

$1,183

Farmers

$1,664

$2,346

Auto-Owners Insurance Co

$1,670

$1,678

Progressive

$1,677

$2,091

Farmers

$1,688

$1,201

Progressive

$1,694

$1,570

Farmers

$1,694

$1,205

Farmers

$1,703

$1,267

Travelers

$1,710

$3,318

Allstate

$1,717

$2,319

Farmers

$1,724

$1,283

Farmers

$1,730

$4,243

GEICO

$1,735

$3,366

Farmers

$1,743

$2,522

Farmers

$1,751

$1,303

GEICO

$1,770

$4,075

Auto-Owners Insurance Co

$1,772

$2,058

GEICO

$1,772

$2,426

State Farm

$1,780

$1,935

Progressive

$1,783

$1,652

Progressive

$1,792

$1,702

Farmers

$1,795

$1,277

State Farm

$1,819

$2,207

Allstate

$1,851

$2,639

Farmers

$1,867

$2,632

Travelers

$1,887

$3,566

Farmers

$1,889

$1,405

Progressive

$1,912

$2,360

Farmers

$1,939

$2,806

Progressive

$1,951

$1,852

State Farm

$2,014

$2,189

Farmers

$2,025

$4,847

State Farm

$2,045

$2,490

State Farm

$2,049

$2,487

GEICO

$2,084

$3,247

Auto-Owners Insurance Co

$2,112

$2,200

Allstate

$2,115

$7,272

Farmers

$2,130

$5,225

GEICO

$2,154

$4,959

Progressive

$2,157

$2,662

Progressive

$2,179

$2,716

Allstate

$2,203

$7,356

GEICO

$2,241

$4,347

Travelers

$2,275

$4,415

Progressive

$2,276

$5,572

State Farm

$2,318

$2,822

Progressive

$2,318

$5,673

Farmers

$2,324

$5,562

Auto-Owners Insurance Co

$2,329

$2,426

Farmers

$2,452

$6,014

Progressive

$2,468

$3,076

Auto-Owners Insurance Co

$2,495

$2,832

Progressive

$2,553

$6,259

Progressive

$2,561

$6,279

Progressive

$2,602

$6,368

State Farm

$2,622

$3,193

Auto-Owners Insurance Co

$2,642

$2,751

Auto-Owners Insurance Co

$2,776

$3,150

GEICO

$2,782

$6,405

Progressive

$2,863

$7,020

Auto-Owners Insurance Co

$3,029

$3,437

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families insuring young drivers may qualify for discounts that help bring down insurance costs. Nationwide, Allstate and Travelers all offer discounts for students with good grades.

Additionally, Allstate and Travelers may reduce premiums if the insured young person attends a school at least 100 miles away.

Cheapest Car Insurance in Kansas for Young Adults (November 2023)

MoneyGeek’s research shows that the most affordable car insurance companies in Kansas for drivers in their 20s are:

  • Nationwide: $919 per year
  • American Family: $1,055 per year

Dairyland has the most expensive rates for the state’s young adults, with an average rate of $2,819 per year.

Generally, drivers in their 20s deal with more expensive rates than their middle-aged counterparts. In Kansas, car insurance is approximately $82 more expensive for young adults.

Company
Annual Premium
Monthly Premium

Nationwide

$325

$27

Nationwide

$326

$27

Iowa Farm Bureau

$327

$27

Auto-Owners Insurance Co

$358

$30

Auto-Owners Insurance Co

$386

$32

Iowa Farm Bureau

$392

$33

Farmers Union Insurance

$392

$33

GEICO

$394

$33

Farmers Union Insurance

$410

$34

Travelers

$416

$35

Nationwide

$419

$35

Travelers

$432

$36

Shelter

$440

$37

GEICO

$446

$37

State Farm

$448

$37

Travelers

$455

$38

American Family

$463

$39

Auto-Owners Insurance Co

$465

$39

Iowa Farm Bureau

$465

$39

Farmers

$467

$39

American Family

$473

$39

State Farm

$473

$39

Farmers Union Insurance

$477

$40

GEICO

$481

$40

Progressive

$495

$41

Shelter

$525

$44

Farmers

$528

$44

Farmers

$556

$46

Progressive

$571

$48

American Family

$571

$48

State Farm

$575

$48

Progressive

$612

$51

Nationwide

$696

$58

Allstate

$705

$59

Allstate

$713

$59

Nationwide

$768

$64

Allstate

$788

$66

Shelter

$811

$68

American Family

$813

$68

American Family

$895

$75

Travelers

$896

$75

Nationwide

$919

$77

Shelter

$922

$77

Auto-Owners Insurance Co

$933

$78

Dairyland

$965

$80

Dairyland

$972

$81

Travelers

$981

$82

Auto-Owners Insurance Co

$981

$82

GEICO

$982

$82

GEICO

$1,040

$87

American Family

$1,055

$88

Shelter

$1,107

$92

Farmers

$1,128

$94

Iowa Farm Bureau

$1,128

$94

Travelers

$1,137

$95

Farmers

$1,152

$96

GEICO

$1,155

$96

Farmers Union Insurance

$1,162

$97

Dairyland

$1,175

$98

State Farm

$1,209

$101

Auto-Owners Insurance Co

$1,274

$106

Allstate

$1,274

$106

Farmers Union Insurance

$1,322

$110

Allstate

$1,349

$112

Farmers

$1,350

$113

State Farm

$1,355

$113

Allstate

$1,367

$114

Iowa Farm Bureau

$1,399

$117

Progressive

$1,473

$123

Farmers Union Insurance

$1,525

$127

Progressive

$1,635

$136

Shelter

$1,643

$137

State Farm

$1,674

$139

Iowa Farm Bureau

$1,678

$140

Progressive

$1,993

$166

Dairyland

$2,081

$173

Dairyland

$2,290

$191

Dairyland

$2,819

$235

Cheapest Car Insurance in Kansas for Seniors (November 2023)

Based on MoneyGeek’s analysis, the following providers offer the cheapest car insurance in Kansas for senior drivers:

  • Nationwide: $696 per year
  • American Family: $813 per year

Dairyland offers the priciest car insurance for seniors in Kansas, costing roughly $2,081 per year.

Senior drivers pay around $141 less for car insurance than middle-aged drivers. However, premium prices usually increase for drivers over the age of 70.

Company
Annual Premium
Monthly Premium

Nationwide

$325

$27

Nationwide

$326

$27

Iowa Farm Bureau

$327

$27

Auto-Owners Insurance Co

$358

$30

Auto-Owners Insurance Co

$386

$32

Iowa Farm Bureau

$392

$33

Farmers Union Insurance

$392

$33

GEICO

$394

$33

Farmers Union Insurance

$410

$34

Travelers

$416

$35

Nationwide

$419

$35

Travelers

$432

$36

Shelter

$440

$37

GEICO

$446

$37

State Farm

$448

$37

Travelers

$455

$38

American Family

$463

$39

Auto-Owners Insurance Co

$465

$39

Iowa Farm Bureau

$465

$39

Farmers

$467

$39

American Family

$473

$39

State Farm

$473

$39

Farmers Union Insurance

$477

$40

GEICO

$481

$40

Progressive

$495

$41

Shelter

$525

$44

Farmers

$528

$44

Farmers

$556

$46

Progressive

$571

$48

American Family

$571

$48

State Farm

$575

$48

Progressive

$612

$51

Nationwide

$696

$58

Allstate

$705

$59

Allstate

$713

$59

Nationwide

$768

$64

Allstate

$788

$66

Shelter

$811

$68

American Family

$813

$68

American Family

$895

$75

Travelers

$896

$75

Nationwide

$919

$77

Shelter

$922

$77

Auto-Owners Insurance Co

$933

$78

Dairyland

$965

$80

Dairyland

$972

$81

Travelers

$981

$82

Auto-Owners Insurance Co

$981

$82

GEICO

$982

$82

GEICO

$1,040

$87

American Family

$1,055

$88

Shelter

$1,107

$92

Farmers

$1,128

$94

Iowa Farm Bureau

$1,128

$94

Travelers

$1,137

$95

Farmers

$1,152

$96

GEICO

$1,155

$96

Farmers Union Insurance

$1,162

$97

Dairyland

$1,175

$98

State Farm

$1,209

$101

Auto-Owners Insurance Co

$1,274

$106

Allstate

$1,274

$106

Farmers Union Insurance

$1,322

$110

Allstate

$1,349

$112

Farmers

$1,350

$113

State Farm

$1,355

$113

Allstate

$1,367

$114

Iowa Farm Bureau

$1,399

$117

Progressive

$1,473

$123

Farmers Union Insurance

$1,525

$127

Progressive

$1,635

$136

Shelter

$1,643

$137

State Farm

$1,674

$139

Iowa Farm Bureau

$1,678

$140

Progressive

$1,993

$166

Dairyland

$2,081

$173

Dairyland

$2,290

$191

Dairyland

$2,819

$235

You may qualify for a discount to reduce car insurance rates if you're a senior. Although Nationwide and State Farm don’t offer such a discount, you can compare them with insurance providers that have that discount to check which is the most affordable for you.

Cheapest Car Insurance for Higher Risk Drivers (November 2023)

In Kansas, Nationwide offers the most affordable car insurance for drivers with speeding tickets and those with poor credit.

American Family is cheapest for drivers with accidents or DUIs on their records, as well as sports car owners.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Nationwide ($909 per year)
Cheapest after an accident: American Family ($895 per year)
Cheapest after a DUI: American Family ($1,059 per year)
Cheapest for poor credit: Nationwide ($1,156 per year)
Cheapest for sports cars: American Family ($845 per year)

Cheapest Car Insurance in Kansas After a Ticket

Per MoneyGeek’s analysis, these companies offer the most affordable car insurance for drivers with a speeding ticket:

  • Nationwide: $909 per year
  • American Family: $1,059 per year

Dairyland has the priciest car insurance if you have a speeding ticket at around $2,865 per year.

On average, car insurance premiums for Kansas drivers with speeding tickets are $311 pricier than for drivers with clean records.

Company
Annual Premium
Monthly Premium

Nationwide

$379

$32

Nationwide

$391

$33

Iowa Farm Bureau

$421

$35

Nationwide

$473

$39

GEICO

$477

$40

Iowa Farm Bureau

$505

$42

State Farm

$508

$42

GEICO

$519

$43

Travelers

$526

$44

State Farm

$539

$45

Farmers Union Insurance

$542

$45

American Family

$543

$45

Travelers

$544

$45

American Family

$551

$46

GEICO

$560

$47

Farmers Union Insurance

$561

$47

Travelers

$580

$48

Farmers

$581

$48

Auto-Owners Insurance Co

$581

$48

Iowa Farm Bureau

$600

$50

Farmers Union Insurance

$624

$52

Auto-Owners Insurance Co

$627

$52

Shelter

$650

$54

State Farm

$653

$54

Farmers

$662

$55

Progressive

$669

$56

American Family

$671

$56

Farmers

$695

$58

Progressive

$718

$60

Progressive

$755

$63

Auto-Owners Insurance Co

$761

$63

Allstate

$777

$65

Allstate

$785

$65

Shelter

$802

$67

Nationwide

$819

$68

Allstate

$865

$72

Nationwide

$909

$76

American Family

$966

$81

Nationwide

$1,042

$87

Shelter

$1,057

$88

American Family

$1,059

$88

Shelter

$1,160

$97

GEICO

$1,162

$97

GEICO

$1,213

$101

American Family

$1,258

$105

Dairyland

$1,275

$106

Travelers

$1,277

$106

Travelers

$1,314

$110

State Farm

$1,324

$110

GEICO

$1,347

$112

Dairyland

$1,367

$114

Dairyland

$1,389

$116

Auto-Owners Insurance Co

$1,401

$117

Iowa Farm Bureau

$1,410

$118

Allstate

$1,424

$119

Shelter

$1,426

$119

Auto-Owners Insurance Co

$1,439

$120

Travelers

$1,445

$120

Farmers

$1,471

$123

State Farm

$1,485

$124

Allstate

$1,493

$124

Allstate

$1,503

$125

Farmers

$1,523

$127

Farmers Union Insurance

$1,636

$136

Farmers

$1,651

$138

Iowa Farm Bureau

$1,747

$146

Farmers Union Insurance

$1,795

$150

State Farm

$1,832

$153

Shelter

$1,873

$156

Auto-Owners Insurance Co

$1,919

$160

Farmers Union Insurance

$2,044

$170

Progressive

$2,065

$172

Progressive

$2,065

$172

Iowa Farm Bureau

$2,098

$175

Progressive

$2,441

$203

Dairyland

$2,858

$238

Dairyland

$2,865

$239

Dairyland

$3,210

$267

Cheapest Car Insurance in Kansas After an Accident

If you have an at-fault accident, MoneyGeek’s research shows that you can get the most affordable car insurance in Kansas from these companies:

  • American Family: $895 per year
  • Auto-Owners: $1,162 per year

Meanwhile, Dairyland has the least affordable policies at around $3,216 per year.

Our calculation shows that having an at-fault accident on your record may result in a $567 increase in youra insurance premiums.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$427

$36

Auto-Owners Insurance Co

$462

$38

American Family

$463

$39

American Family

$473

$39

Nationwide

$491

$41

Nationwide

$506

$42

Iowa Farm Bureau

$507

$42

Travelers

$552

$46

Auto-Owners Insurance Co

$554

$46

State Farm

$557

$46

American Family

$571

$48

Travelers

$573

$48

State Farm

$591

$49

Iowa Farm Bureau

$609

$51

Nationwide

$613

$51

Travelers

$613

$51

Farmers Union Insurance

$623

$52

Farmers Union Insurance

$643

$54

Farmers Union Insurance

$705

$59

GEICO

$711

$59

State Farm

$717

$60

Iowa Farm Bureau

$724

$60

Farmers

$745

$62

GEICO

$796

$66

GEICO

$812

$68

American Family

$813

$68

Farmers

$838

$70

Progressive

$855

$71

Farmers

$879

$73

American Family

$895

$75

Allstate

$919

$77

Allstate

$929

$77

Shelter

$935

$78

Progressive

$948

$79

Progressive

$950

$79

Allstate

$1,034

$86

American Family

$1,055

$88

Nationwide

$1,063

$89

Auto-Owners Insurance Co

$1,117

$93

Shelter

$1,154

$96

Auto-Owners Insurance Co

$1,162

$97

Nationwide

$1,180

$98

Travelers

$1,329

$111

Nationwide

$1,352

$113

Travelers

$1,358

$113

State Farm

$1,416

$118

Dairyland

$1,445

$120

Travelers

$1,494

$125

Shelter

$1,522

$127

Auto-Owners Insurance Co

$1,524

$127

Dairyland

$1,535

$128

State Farm

$1,585

$132

Dairyland

$1,636

$136

Iowa Farm Bureau

$1,653

$138

Allstate

$1,705

$142

GEICO

$1,719

$143

Farmers

$1,751

$146

Allstate

$1,801

$150

Allstate

$1,802

$150

Farmers Union Insurance

$1,803

$150

Farmers

$1,833

$153

GEICO

$1,845

$154

Shelter

$1,937

$161

GEICO

$1,940

$162

Farmers

$1,949

$162

State Farm

$1,961

$163

Farmers Union Insurance

$1,963

$164

Iowa Farm Bureau

$2,048

$171

Farmers Union Insurance

$2,212

$184

Shelter

$2,384

$199

Iowa Farm Bureau

$2,463

$205

Progressive

$2,520

$210

Progressive

$2,628

$219

Progressive

$2,928

$244

Shelter

$3,137

$261

Dairyland

$3,216

$268

Dairyland

$3,350

$279

Dairyland

$3,562

$297

Cheapest Car Insurance in Kansas After a DUI

The cheapest car insurance companies in Kansas for drivers with a DUI on their record are:

  • American Family: $1,059 per year
  • Nationwide: $1,432 per year

Conversely, at approximately $3,321 per year, GEICO has the most expensive car insurance for Kansas drivers with DUIs.

MoneyGeek found that having a DUI can increase car insurance rates by around $803 per year.

Company
Annual Premium
Monthly Premium

State Farm

$508

$42

State Farm

$539

$45

American Family

$543

$45

American Family

$551

$46

Progressive

$579

$48

Nationwide

$601

$50

Travelers

$606

$50

Progressive

$609

$51

Nationwide

$617

$51

Travelers

$628

$52

State Farm

$653

$54

Progressive

$663

$55

Farmers

$664

$55

Travelers

$671

$56

American Family

$671

$56

Nationwide

$724

$60

Farmers Union Insurance

$733

$61

Farmers

$748

$62

Farmers

$796

$66

Iowa Farm Bureau

$799

$67

Farmers Union Insurance

$819

$68

Farmers Union Insurance

$845

$70

Allstate

$894

$75

Allstate

$901

$75

Iowa Farm Bureau

$960

$80

Dairyland

$965

$80

American Family

$966

$81

Dairyland

$1,002

$83

Allstate

$1,005

$84

Shelter

$1,026

$86

American Family

$1,059

$88

Auto-Owners Insurance Co

$1,104

$92

Iowa Farm Bureau

$1,140

$95

Dairyland

$1,175

$98

Auto-Owners Insurance Co

$1,182

$99

American Family

$1,258

$105

Shelter

$1,267

$106

Nationwide

$1,317

$110

State Farm

$1,324

$110

GEICO

$1,338

$111

Nationwide

$1,432

$119

Travelers

$1,457

$121

Auto-Owners Insurance Co

$1,463

$122

State Farm

$1,485

$124

Travelers

$1,490

$124

GEICO

$1,533

$128

GEICO

$1,569

$131

Farmers

$1,584

$132

Nationwide

$1,606

$134

Travelers

$1,638

$137

Allstate

$1,657

$138

Farmers

$1,662

$138

Shelter

$1,671

$139

Allstate

$1,752

$146

Progressive

$1,757

$146

Allstate

$1,758

$146

Farmers

$1,766

$147

Progressive

$1,780

$148

State Farm

$1,832

$153

Dairyland

$2,081

$173

Shelter

$2,125

$177

Progressive

$2,143

$179

Farmers Union Insurance

$2,215

$185

Farmers Union Insurance

$2,242

$187

Dairyland

$2,333

$194

Auto-Owners Insurance Co

$2,362

$197

Auto-Owners Insurance Co

$2,376

$198

Farmers Union Insurance

$2,475

$206

Shelter

$2,615

$218

Iowa Farm Bureau

$2,678

$223

Dairyland

$2,819

$235

GEICO

$3,212

$268

Auto-Owners Insurance Co

$3,257

$271

Iowa Farm Bureau

$3,321

$277

Shelter

$3,440

$287

GEICO

$3,526

$294

GEICO

$3,727

$311

Iowa Farm Bureau

$3,992

$333

Cheapest Car Insurance in Kansas for Drivers With Poor Credit (November 2023)

MoneyGeek’s analysis shows that drivers with poor credit can find the cheapest auto insurance in Kansas from:

  • Nationwide: $1,156 per year
  • American Family: $1,545 per year

Meanwhile, State Farm’s $3,447 per year premium is the most expensive for drivers with poor credit.

On average, you may pay about $1,013 more for your car insurance in Kansas if you have poor credit than someone with an above-750 credit score.

Company
Annual Premium
Monthly Premium

Nationwide

$474

$40

Nationwide

$495

$41

Nationwide

$618

$51

Iowa Farm Bureau

$640

$53

GEICO

$648

$54

Travelers

$686

$57

Shelter

$695

$58

Travelers

$696

$58

GEICO

$706

$59

Farmers Union Insurance

$718

$60

Farmers

$729

$61

Travelers

$749

$62

Farmers Union Insurance

$754

$63

Iowa Farm Bureau

$770

$64

American Family

$784

$65

GEICO

$802

$67

American Family

$808

$67

Farmers

$826

$69

Progressive

$841

$70

Farmers

$843

$70

Shelter

$853

$71

Iowa Farm Bureau

$870

$73

Farmers Union Insurance

$871

$73

Progressive

$904

$75

Allstate

$977

$81

Allstate

$992

$83

American Family

$993

$83

Nationwide

$1,017

$85

Progressive

$1,023

$85

Auto-Owners Insurance Co

$1,045

$87

Allstate

$1,095

$91

Auto-Owners Insurance Co

$1,132

$94

Nationwide

$1,156

$96

Dairyland

$1,237

$103

Shelter

$1,268

$106

Dairyland

$1,291

$108

State Farm

$1,300

$108

Nationwide

$1,357

$113

Auto-Owners Insurance Co

$1,361

$113

State Farm

$1,379

$115

American Family

$1,402

$117

Travelers

$1,485

$124

Dairyland

$1,509

$126

American Family

$1,545

$129

Travelers

$1,577

$131

GEICO

$1,581

$132

GEICO

$1,650

$138

State Farm

$1,672

$139

Shelter

$1,689

$141

Travelers

$1,819

$152

American Family

$1,839

$153

Farmers

$1,850

$154

Farmers

$1,854

$154

GEICO

$1,929

$161

Allstate

$1,949

$162

Allstate

$2,021

$168

Allstate

$2,057

$171

Shelter

$2,074

$173

Farmers

$2,119

$177

Iowa Farm Bureau

$2,135

$178

Farmers Union Insurance

$2,249

$187

Progressive

$2,518

$210

Farmers Union Insurance

$2,560

$213

Iowa Farm Bureau

$2,652

$221

Dairyland

$2,736

$228

Progressive

$2,791

$233

Auto-Owners Insurance Co

$2,863

$239

Farmers Union Insurance

$2,935

$245

Auto-Owners Insurance Co

$2,992

$249

Shelter

$2,995

$250

Iowa Farm Bureau

$3,035

$253

State Farm

$3,080

$257

Dairyland

$3,108

$259

Progressive

$3,386

$282

State Farm

$3,447

$287

Dairyland

$3,734

$311

Auto-Owners Insurance Co

$3,947

$329

State Farm

$4,228

$352

Insurance companies found that drivers with lower credit scores are more likely to file insurance claims. Thus, insurers charge higher premiums if you have poor credit.

Although this practice is illegal in some states, it’s legal in Kansas.

If you’re dealing with a poor credit score, improving your credit may reduce your insurance premiums over time. Meanwhile, you can save money in the short term by shopping around and taking advantage of common discounts.

Cheapest Car Insurance in Kansas for Sports Cars (November 2023)

In Kansas, the most affordable car insurance providers for drivers with sports cars are:

  • American Family: $845 per year
  • Nationwide: $874 per year

At roughly $2,419 per year, Dairyland offers the priciest auto insurance for sports car drivers in Kansas.

MoneyGeek found that car insurance is more expensive if you drive a sports car. The average Toyota Camry driver pays $95 less than a Ford Mustang driver annually.

Company
Annual Premium
Monthly Premium

Nationwide

$325

$27

Nationwide

$326

$27

Iowa Farm Bureau

$327

$27

Auto-Owners Insurance Co

$358

$30

Auto-Owners Insurance Co

$386

$32

Iowa Farm Bureau

$392

$33

Farmers Union Insurance

$392

$33

GEICO

$394

$33

Farmers Union Insurance

$410

$34

Travelers

$416

$35

Nationwide

$419

$35

Travelers

$432

$36

Shelter

$440

$37

GEICO

$446

$37

State Farm

$448

$37

Travelers

$455

$38

American Family

$463

$39

Auto-Owners Insurance Co

$465

$39

Iowa Farm Bureau

$465

$39

Farmers

$467

$39

American Family

$473

$39

State Farm

$473

$39

Farmers Union Insurance

$477

$40

GEICO

$481

$40

Progressive

$495

$41

Shelter

$525

$44

Farmers

$528

$44

Farmers

$556

$46

Progressive

$571

$48

American Family

$571

$48

State Farm

$575

$48

Progressive

$612

$51

Allstate

$705

$59

Allstate

$713

$59

Nationwide

$765

$64

American Family

$770

$64

Allstate

$788

$66

Shelter

$811

$68

American Family

$845

$70

Nationwide

$874

$73

Travelers

$876

$73

Dairyland

$965

$80

Travelers

$966

$81

Dairyland

$972

$81

Auto-Owners Insurance Co

$983

$82

American Family

$994

$83

Farmers

$1,004

$84

Auto-Owners Insurance Co

$1,027

$86

Nationwide

$1,033

$86

Farmers

$1,059

$88

Travelers

$1,120

$93

Dairyland

$1,175

$98

Farmers

$1,228

$102

GEICO

$1,280

$107

GEICO

$1,310

$109

Allstate

$1,324

$110

Allstate

$1,344

$112

Auto-Owners Insurance Co

$1,365

$114

State Farm

$1,394

$116

Allstate

$1,423

$119

GEICO

$1,476

$123

State Farm

$1,572

$131

Progressive

$1,643

$137

State Farm

$1,960

$163

Progressive

$1,985

$165

Dairyland

$2,120

$177

Dairyland

$2,419

$202

Progressive

$2,570

$214

Dairyland

$2,926

$244

Although we used a Ford Mustang as the sample sports car in this study, premium prices may vary significantly depending on your car model. Generally, car insurance for luxury, electric and sports cars is more expensive than for other car types.

Cheapest Car Insurance in Kansas for Military Drivers (November 2023)

MoneyGeek’s research shows that the cheapest car insurance provider in Kansas for veterans and active-duty military personnel is USAA. Its policies cost $691 per year for the average driver with a military background.

mglogo
MoneyGeek Top Pick
USAA
  • $691 per year
  • Ranks first out of 14 providers in terms of affordability

You can further reduce car insurance costs by taking advantage of USAA’s numerous discount opportunities. It offers a bundling discount, which gives you savings if you bundle your auto insurance with your home or renters insurance. Additionally, taking an approved driver safety course will also result in a discount.

Cheapest Car Insurance in Kansas by City

Your car insurance costs may significantly change depending on your location in Kansas.

Neighborhood-specific factors like the incidence of theft, vandalism and accidents affect the likelihood of insurance claim filings. Thus, you’ll pay more for car insurance if you live in a high-risk area.

MoneyGeek’s analysis shows Olathe is the cheapest city in the state to get car insurance. A Nationwide policy is the most affordable in the city, costing approximately $740 per year. Meanwhile, you’ll pay around $887 to insure your vehicle with the same policy in Wichita.

We listed the cheapest car insurance for various Kansas cities in the table below.

City
Cheapest Company
Annual Premium

Kansas City

Nationwide

$814

Olathe

Nationwide

$740

Overland Park

Nationwide

$765

Topeka

Nationwide

$766

Wichita

Nationwide

$887

Car Insurance in Kansas: What You Need to Know

Like most states, Kansas requires you to buy bodily injury liability and property damage liability. However, it also requires you to get personal injury protection and uninsured/underinsured motorist coverage, which aren’t required by most states.

Kansas Car Insurance Requirements

In Kansas, you’re required to get the state’s minimum required insurance. This includes liability coverage, personal injury protection and uninsured/underinsured motorist coverage.

A minimum coverage policy is cheaper but offers less protection in case of an accident. The ideal insurance coverage may vary depending on your needs and situation, but it’s generally a good idea to get as much liability coverage as you can afford.

Additionally, if you’ve been involved in repeated or severe driving violations, you may be required to increase your buying coverage.

  • male icon

    Bodily Injury Liability

    In Kansas, you’re required to get a minimum of $25,000 per person and $50,000 per accident of bodily injury liability coverage. This coverage pays for your expenses if you’ve been found guilty of causing injury to another person. If hospital costs exceed your insurance limits, you’ll be required to pay out of pocket.

  • accident2 icon

    Property Damage Liability

    Property liability pays for damages that you caused to another person’s property. Kansas requires you to get coverage for at least $25,000 per accident. However, you’ll pay the remainder by yourself if the expenses go beyond that amount.

  • hospital icon

    Personal Injury Protection

    Kansas drivers are required to get personal injury protection (PIP). This insurance pays for a portion of wage loss, medical expenses and other expenses to an eligible injured party (such as a passenger or a pedestrian). The minimum PIP coverage in Kansas includes:

    • $4,500 for medical expenditures per person
    • $900 per month for one year for disability/income loss
    • $25 per day for In-home services
    • $2,000 for funeral expenses per person
    • $4,500 in rehabilitation expenses per person
  • carInsurance icon

    Uninsured/Underinsured motorist coverage

    In Kansas, you’re required to get uninsured and underinsured motorist coverage with at least $25,000 per person and $50,000 per accident. This protects your assets in case the at-fault party doesn’t have insurance or is underinsured. Note that you won’t get reimbursed for damages exceeding the limit you buy.

MoneyGeek suggests that you get these limits for your car insurance:

  • $100,000 in bodily injury liability per person and $300,000 per accident
  • $100,000 in property damage insurance per accident

If you’ve secured financing to purchase your vehicle, you may be required to get comprehensive and collision coverage on top of the state’s minimum insurance.

Comprehensive coverage pays for repairing or replacing your car after a covered off-road accident. This may include damages from theft, vandalism or weather-related events.

Collision insurance takes care of your expenses if an accident with another vehicle or an object causes damage to your car.

If you’re driving a high-value car, we recommend getting comprehensive and collision insurance even though you’re not required to get them. Such protections may save you tens of thousands in case of an accident.

Car Insurance Alternatives in Kansas

There are no car insurance alternatives in Kansas. Nonetheless, if three insurance providers have declined your application, the Kansas Automobile Insurance Plan (KAIP) can help you get auto insurance.

KAIP is the state’s residual market for drivers unable to get coverage through traditional insurance markets. It offers insurance for all types of vehicles and drivers, including high-risk motorists.

You can contact KAIP at 1-785-273-6300. However, since KAIP only accepts applications from licensed insurance agents, we recommend contacting an agent first.

FAQs About Car Insurance in Kansas

When shopping for car insurance, it’s common to have questions about affordability and quality. That’s why MoneyGeek responded to some frequently asked questions to help you learn more about car insurance in Kansas.

Expert Advice on Finding Cheap Car Insurance in Kansas

To help you find credible and accurate insight on car insurance in Kansas, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed 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?
Dr. Tricia Petak
Dr. Tricia Petak

Associate Professor of Business at Kansas Wesleyan University

Justin Baxter
Justin Baxter

Financial Advisor & Accredited Investment Fiduciary

Derek Lawson
Derek Lawson

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

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • KAIP. "Home Page." Accessed December 14, 2022.