The Best Cheap Car Insurance in Kansas for 2021

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Unlike other states, Kansas requires three different types of auto insurance. One of them is liability insurance that covers third-party injuries and property damage if you are at fault. With an average price point of $372 per year, Nationwide offers 50/100/50 liability coverage at a lower rate than the cheapest option for state-minimum 25/50/25 coverage, which costs an average of $376 through American Family. Aside from liability insurance, the state also requires you to have personal injury protection (PIP) and uninsured or underinsured coverage.

Average Cost for Liability Coverage

MoneyGeek uses a unique ranking system that gives equal weight to industry-standard reports such as J.D. Power’s U.S. Auto Insurance Study and AM Best’s financial strength rating, along with pricing data. You can use MoneyGeek’s final score out of 100 to help you select the best car insurance carrier in Kansas for your specific needs.

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

The most recent data from the National Association of Insurance Commissioners shows the largest insurers in Kansas are State Farm, Progressive and American Family Insurance. The table below shows how much of the state the top-rated auto insurance companies insure.

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Multiple factors can impact your auto insurance premiums. MoneyGeek determined the average prices for 100/300/100 comprehensive and collision coverage for a 40-year-old man driving a Toyota Camry with a clean record. Depending on your age, coverage level, driving history and location, your vehicle insurance rates may be higher or lower than these Kansas averages.

• Average Driver: $931
• DUI: $1,418
• Speeding Ticket: $1,139
• Poor Credit Score: $1,649
• Seniors: $919
• Students: $2,294

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 following table outlines what drivers in Kansas can expect to pay for auto insurance following receiving a DUI.

Average Car Insurance Rates With 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.

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 below shows the average cost of car insurance after one ticket from the five top-rated auto insurance companies in Kansas.

Average Car Insurance Rates With a Ticket

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.

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 table showcases what Kansas drivers with bad credit may pay for their auto insurance.

Average Car Insurance Rates for Drivers With Bad Credit

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.

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 following table.

Average Car Insurance Rates for Seniors

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.

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 following table outlines estimates for young drivers in Kansas.

Average Car Insurance Rates for Students

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

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?

   Derek Lawson

   Driving records and credit scores are significant factors, and it is the latter that people may not realize ding them. Unfortunately, it is a cyclical issue as those with lower credit scores often have some sort of debt burden. They are then further saddled with higher insurance costs making it more difficult to throw extra money at the debt. Talking with a credit specialist and/or financial planner may be a good idea to help those out. People can check their credit report for free once a year per credit reporting bureau by going to annualcreditreport.com. Further, consumers should register for creditkarma.com so that they can see their credit scores (it's not necessarily their FICO score, but it is a good estimate). Being proactive and understanding your credit can help reduce premiums. Beyond that, I'd recommend reaching out to a few local insurance brokers (not captive agents). Interview them and get their feedback on policies and then ultimately choose the broker you're most comfortable with.

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Derek LawsonAssistant Professor, Ph.D., CFP at Kansas State University; Partner & CCO (Priority Financial Partners)READ ANSWERS

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About the Author

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Mandy Sleight is a freelance writer and a licensed insurance producer since 2005. She has extensive knowledge in property and casualty insurance as well as life and health insurance. She writes on topics including insurance, sustainability, budgeting, nutrition, and fitness.

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