Cheapest Car Insurance in Kansas (September 2024)

Auto-Owners offers the cheapest car insurance for minimum coverage in Kansas. For other types of motorists, American Family and USAA might be more affordable. Drivers who want to balance cost with quality service can study our rankings of the best car insurance companies in Kansas.

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

• Auto-Owners Insurance Co: $337 per year
• Iowa Farm Bureau: $414 per year

Conversely, Dairyland offers the most expensive minimum coverage car insurance in the state, costing approximately $1,183 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.

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

• American Family: $888 per year
• Auto-Owners Insurance Co: $939 per year

Meanwhile, Dairyland has the priciest full coverage policy in Kansas at around $2,687 per year.

Including comprehensive and collision coverage in your car insurance policy will increase your premium. For example, American Family's full coverage policy is $421 more expensive than its cheapest minimum coverage option.

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.

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.

Nationwide offers the cheapest rates on average for the various age groups in your family, with American Family being the most affordable for young adults and seniors.

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 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.

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.

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

• American Family: $1,047 per year
• Travelers: $1,140 per year

Dairyland has the most expensive rates for the state's young adults, with an average rate of $3,309 per year.

Generally, drivers in their 20s deal with more expensive rates than their middle-aged counterparts. In Kansas, car insurance is approximately $290 more expensive for young adults.

The following providers offer the cheapest car insurance in Kansas for senior drivers:

• American Family: $806 per year
• Auto-Owners Insurance Co: $892

Dairyland offers the priciest car insurance for seniors in Kansas, costing roughly $2,442 per year.

Senior drivers pay around $100 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.

In Kansas, American Family offers the most affordable car insurance for drivers with speeding tickets, history of accidents and DUIs. It also offers the best rates for sports car owners and those with bad credit.

These companies offer the most affordable car insurance for drivers with a speeding ticket:

• American Family: $1,050 per year
• Nationwide: $1,310 per year

Dairyland has the priciest car insurance if you have a speeding ticket at around $3,355 per year.

On average, car insurance premiums for Kansas drivers with speeding tickets are $330 pricier than for drivers with clean records.

If you have a history of at-fault accidents, you can get the most affordable car insurance in Kansas from these companies:

• American Family: $888 per year
• Auto-Owners Insurance Co: $1,112 per year

Meanwhile, Dairyland has the least affordable policies at around $3,762 per year.

Our calculation shows that having an at-fault accident on your record could result in a $613 increase in your insurance premiums.

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

• American Family: $1,050 per year
• State Farm: $1,492 per year

Conversely, at approximately $3,644 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 $868 per year.

That drivers with poor credit can find the cheapest auto insurance in Kansas from:

• American Family: $1,533 per year
• Travelers: $1,582 per year

Meanwhile, Dairyland’s $3,665 per year premium is the most expensive for drivers with poor credit.

On average, you may pay about $1,058 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.

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

• American Family: $838 per year
• Travelers: $970 per year

At roughly $2,836 per year, Dairyland offers the priciest auto insurance for sports car drivers in Kansas.

Car insurance is more expensive if you drive a sports car. The average Toyota Camry driver pays $112 more than a Ford Mustang driver annually.

MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. It is generally more expensive to insure sports, electric and luxury cars; otherwise, model may not be a significant factor. However, this may not be true for all states.

For those with a military background, USAA offers the cheapest full coverage insurance policy in Kansas, with an annual premium of approximately $725. It is committed to providing special coverage benefits and discounts for military personnel.

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.

Olathe is the cheapest city in the state to get car insurance. An Auto-Owners Insurance Co policy is the most affordable in the city, costing approximately $921 per year. Meanwhile, you’ll pay around $1,001 to insure your vehicle with the same policy in Wichita.

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

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.

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.

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.

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.

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.