The Cheapest Car Insurance in Kansas for 2022

MoneyGeek also found the cheapest companies in Kansas by city and the best car insurance companies in Kansas to help you compare more rates and insurers, depending on your needs.

For Kansas drivers, the cheapest car insurance is liability-only coverage, which only meets the minimum state requirements.

The companies offering the cheapest minimum liability auto insurance in Kansas are:

• American Family: $377 per year
• Nationwide: $398 per year

A USAA minimum coverage policy costs an average of $271 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 $592.

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

Kansas drivers with full coverage policies that have higher liability limits and include comprehensive and collision insurance pay higher premiums. However, they are also protected against most on- and off-road accidents. Full coverage insurance includes protection against damages to your car. You should compare rates from multiple auto insurers to find the best car insurance in Kansas for your needs.

The top options in Kansas for drivers looking for the cheapest full coverage insurance are:

• American Family: $759 per year
• Nationwide: $766 per year

USAA only costs an average of $624 per year. However, its policies are only available to current and former military members. The most expensive car insurance company in Kansas for full coverage is Progressive, costing $1,055 per year.

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.

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, resulting in a higher incidence of accidents.

Because young drivers are riskier to insure, companies charge them higher premiums. According to MoneyGeek’s analysis, Allstate has the most affordable car insurance for young drivers ages 16 and 25.

Young drivers and their parents can lower their car insurance costs by choosing higher deductibles, getting good grades and keeping a clean driving record. Ultimately, the most crucial factor in keeping young drivers' auto insurance rates low is safe driving.

Rates will decrease as young drivers age. For example, a 16-year-old Kansas driver spends an average of $2,588 per year on car insurance, while a 25-year-old pays around $966 annually.

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 $921 per year, which is $12 less than the annual rate for the average driver.

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

• Nationwide: $698 per year
• American Family: $731 per year

USAA offers the cheapest car insurance policy for seniors in Kansas at a rate of $640 per year. However, its policies are only available to current military members and veterans.

As people age, their reflexes and cognitive capacity to make quick decisions behind the wheel can drastically decline. Therefore, your age may influence the cost of your car insurance. Fortunately, Kansas is one of the few states without senior-specific licensing regulations.

Seniors should take advantage of discounts insurers offer, such as discounts for finishing a driver’s safety course and owning a vehicle with safety features. Additionally, seniors can save up to $393 in yearly premiums by shopping around.

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 $1,141 per year, which is higher than the annual average rate of $933 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: $759 per year
• State Farm: $923 per year

A USAA policy costs roughly $756 per year but is only available to current and former military members. USAA and American Family offer the cheapest options for drivers with clean records and those who have a speeding ticket 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 a DUI on your record in Kansas will increase your car insurance rates and may require you to file an SR-22. A DUI can increase the average comprehensive and collision coverage rate in Kansas to $1,421 per year. That is higher than the $933 average rate for a driver with a clean record.

The cheapest options for full coverage insurance if you have a DUI in Kansas are:

• American Family: $759 per year
• State Farm: $923 per year

Travelers offers the most expensive full-coverage car insurance for drivers with a DUI, at $2,045 per year.

Awareness of the total cost of drinking and driving — higher insurance rates, fines, legal fees, loss of transportation, etc. — is essential. The cheapest car insurance policy for drivers with a DUI costs $759 per year. However, the average cost can skyrocket to $2,045 per year, depending on your insurer. Therefore, drivers can save up to $1,286 per year by comparing rates.

A clean driving record means you pay less for car insurance. In Kansas, a safe driver spends an average of $933 annually. In comparison, having an at-fault accident on your driving record increases your premium to an annual average of $1,426. That’s a difference of $493.

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

• State Farm: $997 per year
• American Family: $1,160 per year

USAA is another cheap option if you’re military-affiliated. A USAA policy for drivers with at-fault accidents costs $892 per year.

Having a bad credit score 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 $1,605. A similar policy for a driver with good credit costs only $933 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: $1,112 per year
• American Family: $1,351 per year

USAA policies cost an average of $1,144 annually but are only available to military members. Progressive has the most expensive policies for drivers with bad credit, at $1,843 per year.

In most jurisdictions, including Kansas, your credit score might affect your auto insurance cost. Kansas drivers with poor credit should anticipate paying more for car insurance than those with exceptional credit.

According to Experian, Kansas has a better average credit score (711) than the rest of the nation (703), making Kansas drivers more likely to enjoy budget-friendly car insurance rates. Drivers with bad credit can purchase car insurance for between $1,112 and $1,843 per year. Choosing the cheapest policy can save drivers $731 per year.

While American Family offers the cheapest widely available car insurance, averaging $377 annually, USAA offers the cheapest auto insurance tailored to the needs of military members and their families.

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.

Car insurance in Kansas needs to meet specific coverage requirements and drivers need to be able to provide proof that they are covered by a policy. Make sure to comply with these requirements.

Unlike other states, Kansas insurance laws require drivers to have three types of insurance — liability insurance, personal injury protection (PIP) and uninsured and underinsured motorist coverage.

The following are the specific coverage amounts needed for each type:

• 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 the 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

You may need to provide proof of insurance when you register your vehicle. Make sure you have a copy of your policy and the appropriate documents to prove that your insurance meets the state requirements.

There are no alternatives to car insurance in Kansas. However, if three insurance companies decline to provide you with coverage, the Kansas Automobile Insurance Plan can assist you in getting auto insurance.

Getting a policy with the state-required minimum coverages may not be enough. The Insurance Information Institute recommends coverages of at least $100,000 per injury or death and at least $300,000 per accident. Additional coverages, like collision and comprehensive coverage, give you more protection.

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