Cheapest Car Insurance in Kansas for 2026

Kansas ranks 27th most affordable of 50 states at $116/month full coverage, essentially at the national average. GEICO leads minimum ($26/month) and full coverage ($71/month); Travelers leads young drivers, seniors, at-fault accidents, and DUI. Shelter, a regional Midwest insurer, charges a flat $210/month on family policies for both genders at ages 16 to 19, four ages at the same price with no gender differentiation, mirroring the same pricing structure seen in Arkansas. Kansas requires PIP as a no-fault state, which contributes to higher minimum coverage premiums than comparable at-fault states.

Cheapest in Kansas by coverage type

• Full coverage: GEICO, $71
• Minimum coverage: GEICO, $26

Cheapest by city

• Wichita: GEICO, $77
• Overland Park: GEICO, $73
• Kansas City: Travelers, $83

Cheapest by driver age

• Teen drivers (16) on a family policy: Shelter, $210 (female and male)
• Seniors (65+): Travelers, $91

Cheapest by driving record and credit score

• Speeding ticket: GEICO, $87
• At-fault accident: Travelers, $103
• DUI: Travelers, $110
• Texting while driving: GEICO, $87
• Bad credit: Shelter, $202

GEICO offers the cheapest minimum coverage at $26/month and the cheapest full coverage at $71/month in Kansas, based on a 100/300/100 liability profile with a $1,000 deductible. Choosing Geico over Dairyland (the most expensive at $184/month full coverage, a nonstandard insurer) saves $113/month ($1,356/year). A more typical comparison: Geico vs. Shelter ($94/month full coverage) saves $23/month ($276/year).

Kansas sits in the moderate pricing tier because its no-fault PIP and UM/UIM requirements push minimum premiums higher than comparable at-fault states, while rural character and low traffic density keep full-coverage rates near the national average. Severe weather risk from hail and tornadoes also elevates comprehensive costs. Kansas drivers seeking context on pricing trends should review the average cost of car insurance in Kansas to understand how their profile compares to state averages.

Kansas drivers seeking the best car insurance in Kansas should compare both minimum and full coverage options to find the best fit for their needs.

Kansas is a no-fault state, so minimum coverage includes $4,500 PIP (personal injury protection) covering first-party medical costs, plus 25/50/25 liability and required UM/UIM at matching limits. This mandatory floor is more comprehensive than most states require. Kansas drivers relocating from an at-fault state will find minimum premiums higher than expected because more coverage is legally required.

The statewide gap between minimum ($45/month average) and full coverage ($116/month average) is $71/month ($852/year). For GEICO, minimum coverage costs $26/month versus $71/month for full coverage, a $45/month difference. Kansas minimum coverage already includes PIP and UM/UIM, providing more complete first-party protection than most states require. Minimum coverage still does not protect the driver's own vehicle against collision or comprehensive damage.

MoneyGeek's full coverage benchmark uses 100/300/100 liability plus comprehensive coverage and collision coverage with a $1,000 deductible. As a practical example: an at-fault accident causing $40,000 in bodily injury for one person exceeds Kansas's $25,000 per-person minimum by $15,000; the 100/300/100 benchmark covers the full amount. Kansas sits in Tornado Alley, making comprehensive coverage highly relevant for protecting against hail and storm damage. Drivers should ask themselves how much car insurance do I need? Drivers can also use the car insurance calculator for Kansas to estimate costs.

GEICO leads six of the 10 cities analyzed; Travelers leads four. The biggest rate gap by city is $20/month ($240/year): Kansas City at $83/month versus Manhattan at $63/month. Kansas City is part of the metro area straddling the Missouri border, where higher traffic density, urban theft rates, and cross-state accident exposure drive rates higher. Manhattan is a small university city (home to Kansas State University) with low population density and minimal traffic risk.

The Johnson County suburbs near Kansas City vary in rates: Overland Park ($73/month), Lenexa ($71/month) and Shawnee ($72/month) cluster closely, while Olathe ($85/month) is the most expensive. Drivers in these cities should compare car insurance options to find the best rates for their specific ZIP code.

Travelers leads young drivers at $152/month, which is $50/month below Auto-Owners ($202/month) and $78/month below GEICO ($230/month). The gap between Travelers and the field is wider for young drivers than for adults: the $78/month difference versus GEICO compares to a $5/month adult gap, meaning choosing Travelers for a young driver saves $936/year compared to GEICO.

On family policies, Shelter is the most affordable at a flat $210/month for both genders at ages 16 to 19, four consecutive ages with no gender differentiation. This flat-rate Shelter pattern mirrors pricing seen in Arkansas. At age 19, Travelers ties Shelter for females at $210/month, while Shelter still leads males. 

At age 20, Travelers becomes the cheapest option. From age 21, GEICO leads for females at lower rates while Travelers leads for males, meaning the best provider differs by gender for ages 21 to 24. Young drivers and their families should review car insurance rates by age to understand how rates change as drivers mature.

Travelers offers the cheapest senior car insurance in Kansas at $91/month, which is $15/month above Travelers' own adult full coverage rate of $76/month, representing a meaningful senior surcharge. Shelter is second at $99/month, $8/month more than Travelers. The spread from Travelers ($91/month) to Nationwide ($118/month) is $27/month ($324/year). Kansas's near-average baseline keeps senior rates moderate compared to higher-cost states.

GEICO offers the cheapest rates after a speeding ticket ($87/month) and texting while driving ($87/month). Travelers leads after at-fault accidents ($103/month) and DUI ($110/month). Shelter leads for bad credit at $202/month, which is $108/month above Shelter's own clean-record full coverage rate of $94/month. Bad credit rates in Kansas are high relative to clean-record pricing across most providers. 

Kansas requires SR-22 filing after certain violations. Drivers can find car insurance after a DUI in Kansas. DUI in a no-fault state carries additional complexity because PIP claims may be affected.

GEICO is the cheapest option after a speeding ticket in Kansas at $87/month, which is $16/month above GEICO's clean-record full coverage rate of $71/month. Shelter at $98/month and Travelers at $99/month are effectively tied for second.

Travelers is the cheapest option after an at-fault accident in Kansas at $103/month. Auto-Owners ranks second at $116/month, $13/month more than Travelers. The spread from Travelers ($103/month) to State Farm ($133/month, 5th cheapest) is $30/month ($360/year).

Travelers is the lowest-priced option after a DUI in Kansas at $110/month. State Farm ranks second at $125/month. The spread from Travelers ($110/month) to Farmers ($178/month, 5th cheapest) is $68/month ($816/year). Kansas's no-fault status means PIP claims may be affected after a DUI conviction. Drivers with a DUI need to file an SR-22.

GEICO is the cheapest option after a texting while driving violation in Kansas at $87/month, the same rate as after a speeding ticket. Auto-Owners ranks second at $91/month, $4/month more than GEICO.

Shelter is the cheapest option for Kansas drivers with poor credit at $202/month, which is $108/month above Shelter's own clean-record full coverage rate of $94/month. GEICO ranks second at $214/month. Bad credit rates are expensive across all providers in Kansas relative to the state's near-average clean-record baseline. Credit-based insurance scoring uses credit history as a statistical predictor of claim likelihood, and Kansas allows this practice. You can find low income car insurance in Kansas as another option.