Cheapest Low-Income Car Insurance in Kansas

GEICO sweeps the majority of Kansas's minimum coverage categories with aggressive pricing: young drivers at $38, adults at $31, seniors at $35, speeding tickets at $37, and bad credit at $51 per month. State Farm and Auto-Owners break GEICO's dominance in specific niches, with State Farm offering DUI coverage at $50 and Auto-Owners providing accident coverage at $49 monthly. 

Kansas achieves excellent affordability ratings nationally, with average premiums tracking well below the $53 baseline and rivaling top budget-friendly states across the Midwest and Mountain West regions. The state's agricultural economy and lower population density contribute to reduced claim frequencies and more competitive insurance pricing than congested urban markets. America's insurance cost landscape varies dramatically by geography, with Kansas residents enjoying monthly premiums roughly one-third of what drivers in the most expensive states like New York or Delaware must pay for equivalent minimum liability protection.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Nationwide offers Kansas families exceptional pricing: married couples without teens pay merely $21 monthly, couples with teenagers $30, and single parents $66. We found Kansas achieves elite status among America's cheapest family insurance markets, with Nationwide's rates representing roughly one-third of what families pay in expensive states. The minimal $9 premium increase for adding teenage drivers through Nationwide creates extraordinary value, making teen coverage nearly as affordable as adult-only policies. 

Single parents benefit from Kansas's competitive environment, paying just $36 above married couples with teens compared to the $60 to $100 differentials common elsewhere. The state's agricultural economy, sparse population density, and moderate claim frequencies enable insurers like Nationwide to offer remarkably low family premiums while maintaining profitable operations.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Kansas residents must meet these minimum car insurance requirements: 

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 for property damage per accident

If you're leasing or financing a vehicle, you need a 100/300/100 liability coverage split along with comprehensive and collision protection.

Auto-Owners offers the cheapest car insurance for most low-income drivers in Kansas. High-risk drivers can find the best rates with Travelers for speeding tickets, Progressive for DUIs and Auto-Owners for accidents. Explore providers through different channels to secure the best deal.

Low-income drivers in Kansas face challenges finding affordable car insurance. Here are answers to common questions on saving money.

Study Overview

MoneyGeek examined Kansas auto insurance rates using data from the Kansas Department of Insurance and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Kansas.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Kansas:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Our data shows rates for minimum coverage, which follows the requirements set by Kansas law, and offers affordable options for low-income drivers.