Cheapest Car Insurance in Kansas for 2026

GEICO has the cheapest car insurance in Kansas at $69 per month for full coverage and $24 per month for minimum coverage, with Travelers close behind at $73 and $32.

Written by Mark Fitzpatrick

Updated: July 17, 2026

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GEICO is the cheapest car insurance provider in Kansas for adults with a clean driving record. Minimum coverage starts at $24 a month, full coverage at $69 a month and young adults pay $79 a month. Drivers with a speeding ticket will also find GEICO the most affordable option, at $84 a month.

For families adding a teen driver to a policy, Travelers is the cheapest option, starting at $276 a month for a female. Travelers is also the cheapest for seniors, at $71 a month, and for drivers with a violation history, from $100 a month after an at-fault accident up to $107 a month after a DUI. Drivers with poor credit will find Shelter Insurance most affordable, at $203 a month.

To compare how each company scores on customer service, claims handling and coverage options, see the best car insurance in Kansas.


Minimum Coverage	GEICO	$24	4.44/5
Full Coverage	GEICO	$69	4.44/5
16-Year-Old Male	Travelers	$285	4.67/5
16-Year-Old Female	Travelers	$276	4.67/5
Young Adults	GEICO	$79	4.44/5
Seniors (70+)	Travelers	$71	4.67/5
Speeding ticket	GEICO	$84	4.44/5
At-fault accident	Travelers	$100	4.67/5
DUI	Travelers	$107	4.67/5
Bad credit	Shelter Insurance	$203	4.13/5

GEICO

Best Cheap Car Insurance for Most Drivers in Kansas

GEICO charges $69 a month for full coverage in Kansas and $24 a month for minimum coverage, the lowest rate in the state for both. GEICO holds an AM Best rating of A++, the highest available, backed by Berkshire Hathaway's financial strength. Kansas drivers can lower the $69 rate through GEICO's multi-vehicle discount (up to 25% off), accident-free discount (up to 22%) or DriveEasy telematics program. For coverage add-ons, GEICO offers mechanical breakdown insurance, roadside assistance and rental reimbursement.

Cheapest Car Insurance by Coverage Type in Kansas


GEICO	$24	$69	4.44/5
Travelers	$32	$73	4.67/5
Auto Owners	$37	$90	4.62/5
Shelter Insurance	$43	$94	4.13/5
Nationwide	$57	$110	3.94/5

Cheapest Minimum Coverage in Kansas

GEICO is the cheapest option for minimum coverage in Kansas at $24 a month. Travelers is second at $32, an $8 difference. Both carriers rank in the same order for full coverage. Minimum coverage drivers face the same decision: GEICO for the lower price, Travelers for the higher score of 4.67/5 versus GEICO's 4.44/5. Nationwide is most expensive at $57 a month, $33 above GEICO.

Cheapest Full Coverage in Kansas

GEICO is the cheapest option for full coverage in Kansas at $69 a month. Travelers is $4 behind at $73. Travelers scores 4.67/5 compared to GEICO's 4.44/5, and its customer experience score of 4.28/5 is 0.63 points above GEICO's 3.65/5. For a driver who expects to file a claim, that difference costs $48 a year. Nationwide is the most expensive carrier at $110 a month, $41 above GEICO.

How to Choose Between Minimum and Full Coverage in Kansas

Full coverage costs $45 more a month than minimum coverage at GEICO, or $540 a year. Kansas is a no-fault state, so PIP covers your medical costs regardless of fault. Minimum coverage pays nothing toward your own vehicle if you cause the accident. Drivers with a loan or lease must carry full coverage. For drivers who own their car outright, a vehicle worth less than $8,300 may not justify the $828 annual cost. Use the Kansas car insurance calculator to check your numbers.

Cheapest Car Insurance for Teens and Young Adults in Kansas

Travelers is the most affordable carrier for Kansas teen drivers from age 16 through 24. A 16-year-old male pays $285 a month, and a female pays $276. Both rates drop as the driver ages, falling to $95 for males and $92 for females by age 24. No other carrier beats Travelers at any age in this range, so there is no reason to switch insurance until the driver turns 25. At 25, GEICO becomes the cheapest at $79 for males and $74 for females, saving males $16 a month.


16	Travelers	$276	Travelers	$285
17	Travelers	$211	Travelers	$218
18	Travelers	$175	Travelers	$181
19	Travelers	$145	Travelers	$150
20	Travelers	$128	Travelers	$132
21	Travelers	$113	Travelers	$117
22	Travelers	$103	Travelers	$107
23	Travelers	$96	Travelers	$100
24	Travelers	$92	Travelers	$95
25	GEICO	$74	Geico	$79

Travelers

Best Cheap Car Insurance for Teens in Kansas

Travelers is the best cheap provider for Kansas teen drivers from age 16 through 24 and holds an NAIC complaint index of 0.16, well below the 1.0 national average. That means fewer complaints about service than nearly any carrier of its size, which matters for parents who expect to file a claim. Teen drivers maintaining a B average can lower the rate through Travelers' good student discount. Travelers also offers accident forgiveness as an optional add-on, which means a first at-fault accident doesn't automatically raise the rate at renewal.

Cheapest Car Insurance for Seniors in Kansas

Travelers is the lowest-cost senior carrier in Kansas at $71 a month. GEICO is next at $79 a month, an $8 difference. Travelers scores 4.28/5 for customer experience against GEICO's 3.65/5. Seniors who expect to file a claim get a stronger service record at Travelers. Seniors who prefer GEICO's lower rate can enroll in GEICO's DriveEasy program, which tracks driving behavior through the GEICO app and can reduce the rate by up to 25% at renewal.


Travelers	$71	4.28/5
GEICO	$79	3.65/5
Shelter Insurance	$86	3.40/5
Auto Owners	$90	4.58/5
Nationwide	$105	3.60/5

Cheapest Car Insurance by City in Kansas

GEICO is the most affordable carrier in every Kansas city in the data. Rates range from $27 a month in Overland Park and Topeka to $37 a month in Olathe. That $10 difference between cities is far smaller than the $41 difference between the cheapest and most expensive full coverage carrier statewide. Where you live matters less than which carrier you choose.

Kansas's hail season is a real consideration. The state sees over $1.8 billion in annual hail-related property damage. Drivers with vehicles worth protecting should keep full coverage regardless of city. The $45 monthly difference between full and minimum coverage is the more important number than any city-to-city rate variation.


Overland Park	GEICO	$27
Topeka	GEICO	$27
Wichita	GEICO	$28
Kansas City	GEICO	$32
Olathe	GEICO	$37

Cheapest Car Insurance for High Risk Drivers in Kansas

GEICO is the cheapest option after a speeding ticket or texting while driving violation at $84 a month, pricing both violations identically. After an at-fault accident, Travelers is cheapest at $100 a month. After a DUI, Travelers is cheapest at $107 a month and handles the required SR-22 filing directly with the Kansas Department of Public Safety. Kansas requires the SR-22 for at least three years from reinstatement. Courts can mandate a longer period. Any lapse causes the requirement to restart from zero.

For bad credit, Shelter Insurance is cheapest at $203 a month. Shelter is a regional carrier available in Kansas through independent agents. Once credit improves, switching to GEICO at $69 a month recovers up to $134 a month compared to Shelter's bad-credit rate, or $1,608 a year.


Speeding Ticket	GEICO	$84	3.65/5
At-Fault Accident	Travelers	$100	4.28/5
DUI	Travelers	$107	4.28/5
Texting While Driving	GEICO	$84	3.65/5
Bad Credit	Shelter Insurance	$203	3.40/5

How to Get Cheaper Car Insurance in Kansas

Car insurance rates in Kansas vary more by carrier and coverage choice than most drivers realize. The $41 difference between the cheapest and most expensive carrier is $492 a year. The $45 monthly difference between full and minimum coverage saves $540 a year. Violations, credit and discount programs each move the rate further. The six steps below cover all of them.

1
Compare at least three Kansas insurers and save up to $41 a month
GEICO charges $69 a month for full coverage in Kansas. Nationwide charges $110. The $41 difference is $492 a year for the same coverage. Get quotes from GEICO, Travelers and Auto-Owners at minimum before choosing. Rates shift at every renewal. Don't assume last year's cheapest carrier is still cheapest today.
2
Match your coverage level to your vehicle's value and save $45 a month
Full coverage costs $45 more a month than minimum coverage at GEICO, or $540 a year. A vehicle worth less than $8,300 may not justify that annual cost. Vehicles financed through a lender require full coverage regardless of value. Use the Kansas car insurance calculator to compare coverage levels for your vehicle's current value.
3
Bundle home and auto with the same carrier
Bundling a homeowners or renters policy with your auto policy qualifies for multi-policy discounts at most Kansas carriers. Auto-Owners and Travelers both offer bundling discounts in Kansas. Compare bundled rates against separate policies at best home and auto bundle before assuming the bundled option is cheaper.
4
Get new quotes when your violation ages off and recover your rate
A speeding ticket in Kansas adds $15 a month at GEICO. The surcharge window is three years from the policy renewal following the violation. Get new quotes when that window closes. After a DUI, the surcharge window ranges from three to 10 years depending on the carrier. Mark renewals at the three-year and five-year marks as quote dates to catch the first opportunity to rate at clean-record pricing.
5
Improve your credit score before renewal and recover $134 a month
Kansas permits credit as a rating factor. Shelter Insurance charges $203 a month for poor credit. GEICO charges $69 a month for good credit. The difference is $134 a month, or $1,608 a year. Improve your credit before a renewal date and get new quotes at GEICO. That captures the difference at the next policy term.
6
Enroll in a carrier discount program
Kansas's three cheapest carriers each offer a discount program, though the structure differs by carrier.
- GEICO DriveEasy: Tracks driving behavior through the GEICO app. Safe drivers can earn up to 25% off at renewal. Poor driving can raise the rate, with hard braking and phone use carrying the highest penalty weight.
- Travelers IntelliDrive: Monitors driving for 90 days and can lower the renewal rate by up to 30%. Poor driving during the monitoring window can raise the rate. Travelers does not publish a state-specific maximum for Kansas.
- Auto-Owners: Offers multi-policy and good-driver discounts in Kansas. No telematics program is available.

MoneyGeek analyzed car insurance rates in Kansas using data from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Kansas. Carriers must file rates with the Kansas Department of Insurance before charging them. These are filed rates, not estimates or quote approximations.

The baseline driver profile is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. Full coverage uses 100/300/100 liability with a $1,000 deductible. Minimum coverage meets Kansas's required 25/50/25 liability, $4,500 in personal injury protection for medical expenses, and 25/50 uninsured and underinsured motorist coverage. Profile variations include young drivers ages 16 to 25 on individual policies, a senior driver at age 70, violation profiles with one driving record variable changed at a time, and a poor-credit profile. USAA is excluded from all tables. It is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any quote comparison.

Kansas is a no-fault state under the Kansas Automobile Injury Reparations Act. All drivers must carry personal injury protection (PIP) regardless of fault in an accident. A DUI conviction requires SR-22 filing with the Kansas Department of Public Safety for at least three years from the date of license reinstatement. Courts may mandate a longer period. Any lapse in coverage causes the filing period to start over from zero. Kansas permits credit as a rating factor. Gender is a permitted rating factor in Kansas. Kansas's uninsured driver rate is approximately 16%, above the national average.

MoneyGeek scores carriers on three factors: affordability (60% of score, normalized rates across all carriers within each driver profile), customer experience (30%, based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options (10%, based on the breadth of available add-ons and included benefits). The Overall MoneyGeek Score shown in summary tables reflects this composite. Customer experience sub-scores shown in section-level tables reflect the customer experience component only and differ from the overall score.

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About Mark Fitzpatrick

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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