Car Insurance in Kansas: How to Find the Policy That Fits You

MoneyGeek’s review offers analysis and solutions that cover all your car insurance needs in Kansas.

Find the Best or Cheapest Car Insurance in Kansas

MoneyGeek’s unique methodology is designed to identify the best car insurance in Kansas that balance affordability with great customer service. We also collected quotes from insurers in Kansas to find the cheapest available options.

If you want to learn about the cost of auto insurance in Kansas, you can use MoneyGeek’s guide to calculate premium rates based on your background and the coverage levels you need.

Our analysis of insurance in Kansas identified the best options based on factors such as your driving record, your age and more.

MoneyGeek’s tools above delve into the cheapest and best car insurance in Kansas for certain types of drivers. You can look at the below table to get a fair idea of how this can help you find the best insurance based on your background. Keep in mind that all the suggestions are for a full coverage policy unless stated otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN KANSAS
  • Minimum liability: American Family
  • Full coverage: American Family
  • Drivers with a DUI: American Family
  • After an accident: USAA
  • Drivers with a ticket: American Family
  • Drivers with bad credit: Nationwide
  • Senior drivers: Nationwide
  • Student drivers: Progressive
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THE BEST CAR INSURANCE COMPANIES IN KANSAS
  • Overall: American Family
  • Customer Service: Auto-Owners Insurance Co
  • On a Budget: American Family
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: Allstate
  • New Cars: State Farm
  • Low-Mileage Drivers: Nationwide

Get a Kansas Car Insurance Quote

In Kansas, your auto insurance costs may vary by as much as $559 per year, depending on the insurer you choose. This is why it is important to compare quotes from multiple providers to get the cheapest option, and you can do this quickly using MoneyGeek’s calculator.

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Car Insurance Laws in Kansas

MoneyGeek also provides extensive information on Kansas car insurance laws and requirements. All drivers in Kansas must carry the following liability insurance:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Personal Injury Protection per person:

  • $4,500 per person for medical expenses
  • $900 a month for up to a year of disability or loss of income coverage
  • $25 a day for in-home services
  • $4,500 for rehabilitation-related expenses
  • $2,000 for funeral, burial or cremation expenses

Other: Survivors’ benefits include up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.

The coverage you may need may not be the same as the coverage you have to get as per state laws in Kansas. You may be better off with more coverage than the state-mandated minimums. To determine how much car insurance you need in Kansas, you can use MoneyGeek’s guide.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN KANSAS?

Drivers in Kansas with prior records such as a DUI must fill out a form for proof of insurance called SR-22. MoneyGeek also explains how Kansas drivers can file an SR-22 with their insurance providers and how much they’ll have to pay for insurance.

Specialty Car Insurance in Kansas

Your circumstances dictate the type of insurance that is best for you, and sometimes a traditional policy may not be your best option. MoneyGeek explored other car insurance options such as temporary insurance, low-income insurance and non-owner insurance to help you choose according to your unique needs.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

Non-owner car insurance is the best option if you don't own a car but frequently drive someone else’s car or when you need proof of insurance to reinstate your license.

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Temporary car insurance

A short-term policy serves as a temporary insurance policy in Kansas. You can cancel before your term ends or opt for rental car insurance.

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Car insurance for low-income drivers

Kansas does not offer programs to support low-income drivers in the state. However, you can still save on insurance expenses by using MoneyGeek’s guide to shop around.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.