Cheapest Car Insurance in Kansas (January 2026)

Kansas drivers pay $116 monthly for full coverage car insurance, 5% below the national average. Minimum coverage costs $45 per month, 22% less than what drivers nationwide pay. Kansas ranks 28th out of 51 states for full coverage affordability and 18th for minimum coverage.

GEICO offers the cheapest rates for both full coverage and minimum liability policies statewide. The company also has the lowest rates in most major cities across Kansas. 

Skip full coverage and you pay for your own repairs if you cause an accident. Compare rates to find affordable coverage that fits your budget. MoneyGeek also ranked the best car insurance companies in Kansas by analyzing rates, customer satisfaction and coverage options. GEICO topped that list.

GEICO has the cheapest full coverage at $71 monthly or $849 yearly. Travelers comes in second at $909 per year. Auto-Owners costs $1,043 annually, Shelter Insurance runs $1,158 yearly and State Farm charges $1,419 annually. Kansas drivers can choose from several affordable full coverage options as of November 2025.

GEICO has the cheapest minimum coverage car insurance in Kansas at $25 monthly or $302 yearly. Kansas drivers can pick from several major carriers offering affordable minimum coverage car insurance.

Travelers ranks second at $33 monthly. Auto-Owners and State Farm both charge $36, and Shelter Insurance costs $45. Kansas drivers can find low-cost coverage that meets state requirements.

Kansas requires liability insurance with limits of $25,000 per person for bodily injury, $50,000 per accident and $25,000 for property damage (25/50/25).

These limits keep premiums low, but serious accidents often cost more. Kansas's severe weather, including ice storms and tornadoes, raises accident risks year-round.

GEICO has the lowest minimum coverage rates in nine of Kansas's largest cities based on MoneyGeek's analysis. Auto-Owners has the cheapest option in Kansas City.

Minimum coverage rates across Kansas's major cities range from $23 to $37 monthly. Manhattan drivers pay as little as $23 through GEICO. Olathe has the highest rate at $37. Most mid-sized cities fall between $24 and $28 monthly.

Kansas drivers ages 16 to 25 pay the most for car insurance, but Travelers has the lowest rates. Travelers charges $152 monthly for full coverage, which is 46% below the state average for young drivers. Auto-Owners ranks second at $202 monthly, and GEICO comes in third at $230 monthly.

Adults between 26 and 64 get the best rates from GEICO at $71 monthly for full coverage. Travelers charges $76 monthly, and Auto-Owners costs $82 monthly.

Senior drivers get their best rates from Travelers at $91 monthly for full coverage. That's 37% lower than Kansas averages for this age group. Shelter Insurance ranks second at $99 monthly, and GEICO charges $109 monthly for drivers 65 and older.

Driving violations and credit issues raise insurance rates in Kansas. A clean record keeps costs low, but violations like speeding, at-fault accidents, texting while driving or DUIs push rates up.

Your credit score affects your rates too. Travelers has the lowest rates for most high-risk categories. Shelter Insurance has the best rates for bad credit and GEICO beats other insurers for speeding violations.

• Speeding Ticket: GEICO ($87 monthly)
• Texting While Driving Violation: GEICO ($87 monthly)
• At-Fault Accident: Travelers ($103 monthly)
• DUI: Travelers ($110 monthly)
• Bad Credit: Shelter Insurance ($202 monthly)

Compare quotes from national and regional insurers to find the lowest car insurance rates in Kansas. Regional carriers often match national brands on price in both Kansas City and smaller towns. Bundling home and auto, keeping strong credit and earning safe-driver discounts can lower your premiums.

Minimum coverage costs the least but leaves gaps. Kansas's 25/50/25 liability requirement meets state law but may not cover a serious crash. Without collision coverage, you pay for your own vehicle repairs after an at-fault accident. Comprehensive coverage protects against theft, storm damage and vandalism. That matters in Kansas, where auto theft ranks high and hail and wind damage happen often.

In 2023, the average bodily injury claim hit about $22,734. That leaves just $266 before you exceed Kansas's $25,000 per-person minimum. If you can afford it, higher coverage limits prevent out-of-pocket costs after a major accident.

GEICO has the lowest car insurance rates in Kansas across different coverage levels. Don't shop by price alone. Buy enough coverage to protect yourself financially after accidents.

Our insurance experts answer common questions about securing cheap car insurance coverage in Kansas.

Kansas drivers deal with heavy traffic in Wichita, weather risks and rates that run 5% below the national average for full coverage. We compared rates across Kansas's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We gathered quotes from 12 insurers across every Kansas ZIP code using data from the state's Insurance Department and Quadrant Information Services. Rural Dodge City drivers pay far less than Kansas City commuters on I-35, and our statewide analysis captures these pricing differences. 

We reviewed more than 200 million rate comparisons to spot consistent patterns in pricing and coverage availability. Our baseline driver profile represents Kansas's median demographic:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

This profile acts as our control group. We then changed specific variables (age, driving violations, credit score) to analyze how Kansas insurers price risk for different driver types. This shows which companies focus on certain demographics and which keep competitive rates across all profiles.

Coverage Levels We Compared

Kansas requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since most budget-conscious Kansas drivers carry these amounts.

For full coverage analysis, we used higher liability limits that better protect Kansas drivers in serious accidents:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Most insurance agents in Kansas recommend these higher limits once you mention Wichita traffic. Multi-car pileups on I-35 burn through that $25,000 state minimum fast. A $1,000 deductible cuts your monthly bill, just make sure you have a thousand dollars saved.