Cheap Kansas Low-Income Car Insurance for Families and Individuals

A government car insurance program in Kansas does not exist for low-income driver assistance. So low-income drivers can save money on auto insurance, MoneyGeek evaluated auto insurance companies. We found American Family provides the cheapest car insurance in Kansas for low-income families and individuals.

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Last Updated: 11/21/2022
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Your income makes no difference for car insurance rates. In Kansas, adding a teen driver to a policy and the driver's age are the two most important factors when determining car insurance premiums.

MoneyGeek crunched the numbers and found the cheapest auto insurance for low-income individuals and families with poor or good credit.

Is There Car Insurance for Low-Income Families and Individuals in Kansas?

There is no government-assisted car insurance program for low-income individuals and families in Kansas. Kansas requires car insurance, but according to the Insurance Research Council, 10.9% of Kansas drivers are uninsured. Difficulty affording car insurance may be the reason.

For low-income car insurance in Kansas, the state's minimum coverage requirement is often the best choice. Pay-per-mile insurance in Kansas is an alternative for low-income drivers who don't make many trips or travel long distances each year, allowing them to save money.

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Does Kansas Have a Government Program to Support Low-Income Drivers with Insurance?

Kansas does not offer a government car insurance program to help low-income drivers pay for car insurance. To get a low rate on auto insurance, comparing quotes from several car insurance companies is best.

MoneyGeek uncovered the cheapest car insurance companies in Kansas for low-income drivers to save them money.

The Cheapest Kansas Car Insurance Companies for Low-Income Drivers

Kansas car insurance companies do not use your income to determine how much they charge for car insurance. But other factors, like age and credit score, are part of the process and may have a link to income.

State minimum coverage is the cheapest insurance option for low-income drivers. MoneyGeek found American Family and Progressive are the cheapest for various categories of low-income drivers in Kansas.

MoneyGeek also analyzed the cheapest minimum auto insurance for low-income families and individuals of various ages.

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The Cheapest Kansas Car Insurance Companies for Low-Income Families

While income has no effect on car insurance rates in Kansas, low-income families should be aware that their credit score has a significant impact on their insurance premiums. For MoneyGeek’s sample single parents, rates in Kansas differed by around $1,145 per year if they had a poor credit score versus a good credit score. For a couple with a child, rates in Kansas differed by roughly $1,515 per year if they had a poor credit score versus a good credit score.

On average, the cheapest companies for a couple with a child and poor credit score in Kansas are:

  • Progressive: $2,780 per year
  • American Family: $2,931 per year

USAA is the cheapest option for a military background couple with a child and poor credit score at around $2,105 annually.

On average, the cheapest auto insurance for a single parent with a poor credit score is from:

  • American Family: $2,058 per year
  • State Farm: $2,201 per year

For a single parent with a military background and poor credit, USAA is cheapest at around $1,566 per year.

Being a low-income Kansas family does not mean that you have poor credit. Toggle the table below to find rates that match your family’s profile.

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  • Company
    Annual Rates
  • USAA
    $868
  • American Family
    $1,141
  • State Farm
    $1,220
  • Nationwide
    $1,386
  • Progressive
    $1,495
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The Cheapest Kansas Car Insurance Companies for Low-Income Individuals

MoneyGeek’s average 40-year-old driver’s rates in Kansas go up by around $361 per year if they have a poor credit score versus a good credit score.

On average, the cheapest companies for low-income drivers in Kansas with poor credit scores are:

  • American Family: $698 per year
  • Nationwide: $737 per year

Current or former military drivers find the cheapest option with USAA at roughly $501 annually.

You can be a 40-year-old low-income driver and not have a poor credit rating. Low-income drivers in Kansas with good credit pay around $387 a year with American Family, Nationwide costs about $409 annually, and USAA is roughly $278 a year.

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  • Company
    Annual Rates
  • USAA
    $278
  • American Family
    $387
  • Nationwide
    $409
  • State Farm
    $414
  • Progressive
    $454

The Cheapest Kansas Car Insurance Companies for Low-Income Students

Due to their lack of experience, young student drivers tend to pay more for car insurance in Kansas. Their rate is not because of a low income, but college students tend to have lower incomes, which means car insurance takes up a large portion of it.

On average, the cheapest car insurance for low-income students in Kansas with poor credit scores is through:

  • American Family: $1,676 per year
  • Nationwide: $1,771 per year

If you are a student driver from a military household, USAA is cheapest at around $1,204 a year.

Just because you’re a low-income student in Kansas does not mean you have a poor credit score. Students with good credit pay around $929 a year with American Family, Nationwide charges roughly $982 annually, and USAA is around $668 yearly.

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  • Company
    Annual Rates
  • USAA
    $668
  • American Family
    $929
  • Nationwide
    $982
  • State Farm
    $994
  • Progressive
    $1,090

The Cheapest Kansas Car Insurance Companies for Low-Income Seniors

Seniors pay higher car insurance rates than middle-aged drivers, and their credit scores may also have a significant impact on their insurance premiums. Rates in Kansas were around $393 per year more for MoneyGeek’s sample 70-year-old driver if they had a poor credit score versus a good credit score.

On average, the cheapest car insurance for low-income seniors in Kansas with poor credit scores is with:

  • American Family: $733 per year
  • State Farm: $746 per year

If you are a senior driver with poor credit from a military background, USAA costs around $563 a year.

Low-income seniors can have any credit score; they don’t all have poor credit. With a good credit score in Kansas, seniors pay around $406 annually with American Family, roughly $414 a year with State Farm, and around $312 with USAA annually if eligible.

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Good Credit Score

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  • Company
    Annual Rates
  • USAA
    $312
  • American Family
    $406
  • State Farm
    $414
  • Nationwide
    $426
  • MetLife
    $495

Does Income Affect Car Insurance Rates in Kansas?

In Kansas, insurance companies cannot consider a driver’s income when calculating a car insurance premium. However, there are other factors that may relate to income that affect your rates. For example, people with a lower income may make claims more because they can’t afford to pay for repairs out of pocket. Insurers do charge more for drivers with a claims history.

MoneyGeek examined the most significant factors affecting car insurance rates in Kansas that might relate to low income. They include:

  • Adding a teen driver.
  • Age of driver.
  • Coverage levels.

Other important factors that influence rates are credit score and car model.

  • Factor
    How It Affects Your Rates
  • Adding a Teen Driver

    Adding a teen driver is the biggest factor in Kansas, making rates 3.1x as expensive.

  • Age of Driver

    In Kansas, rates can be 2.4x more expensive for young drivers versus middle-aged drivers.

  • Coverage Levels

    A full coverage policy is 2.3x more expensive than the state minimum.

  • Credit Score

    A driver with a poor credit score may pay 2.2x more than if they had a good score.

  • Car Model

    Car model can make insurance 2.0x more expensive.

Frequently Asked Questions About Low-Income Car Insurance in Kansas

You may find you have questions when searching for low-income car insurance in Kansas. MoneyGeek answers the most frequently asked questions about cheap car insurance in Kansas for low-income individuals and families below.

Methodology

MoneyGeek calculated the cost of car insurance for low-income drivers in Kansas using quotes sourced in partnership with Quadrant Information Services. The sample driver is either a 40-year-old male, a single 40-year-old parent with a 16-year-old child, an adult couple (each 40 years old), or a couple with a 16-year-old child. The individual or family drives a 2010 Toyota Camry LE. The driver buys the minimum car insurance required in Kansas.

Costs for poor and good credit scores were extrapolated based on MoneyGeek’s dataset of credit score rate adjustments by score categorization.

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.


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