The Cheapest Car Insurance in Kansas (November 2023)
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By, Content Director
By, Finance Writer & Licensed Insurance Agent
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.
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.
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.
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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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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
- $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.
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.
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.
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.
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
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.
- What are the key factors drivers in Kansas should look for when searching for the best auto insurance coverage?
- What steps can drivers in Kansas take to find affordable car insurance?
Associate Professor of Business at Kansas Wesleyan University
Financial Advisor & Accredited Investment Fiduciary
Assistant Professor, Ph.D., CFP at Kansas State University; Partner & CCO (Priority Financial Partners)
About Mark Fitzpatrick
- KAIP. "Home Page." Accessed December 14, 2022.