Updated: May 6, 2026
Advertising & Editorial Disclosure
Kansas doesn't offer a low-income car insurance program, but drivers denied by voluntary insurers may qualify for KAIP, which provides assigned risk coverage. Read more.
Shelter, GEICO and Farm Bureau offer the most competitive rates. Compare quotes to find your lowest premium. Read more.
Kansas allows credit-based insurance scoring. Building credit from poor to good can reduce premiums by up to 70%. Read more.
No, Kansas doesn't offer a state-sponsored low-income car insurance program. Shelter, GEICO and Farm Bureau offer the cheapest rates for drivers on tight budgets in Kansas.
Drivers denied coverage by voluntary insurers may qualify for the Kansas Automobile Insurance Plan (KAIP), which assigns high-risk drivers to participating insurers at state-regulated rates higher than voluntary market premiums. Shop the voluntary market before applying to KAIP.
The Kansas Automobile Insurance Plan (KAIP) covers drivers the voluntary market won't take. KAIP assigns eligible drivers to participating insurers at state-regulated rates, which cost 25% to 50% more than standard premiums.
You qualify if at least one insurer has denied you coverage. Apply through a licensed agent and bring documentation of your denial.
Shelter is the cheapest option for low-income drivers in Kansas at $86 a month, followed by GEICO at $88 and Farm Bureau at $99. Kansas lets insurers use credit-based insurance scores but bans gender-based pricing.
Insurers must notify you when credit information raises your premium. The state's 25/50/25 minimum liability requirement keeps baseline costs below states with higher mandates.
| Shelter Insurance | $86 | $1,033 |
| Geico | $88 | $1,055 |
| Farm Bureau | $99 | $1,186 |
| Auto Owners | $109 | $1,306 |
| Dairyland | $121 | $1,457 |
| Travelers | $124 | $1,492 |
| Nationwide | $126 | $1,516 |
| Progressive | $137 | $1,645 |
| Allstate | $152 | $1,825 |
| Farmers | $183 | $2,192 |
| State Farm | $299 | $3,591 |
Improving credit from poor to good creates savings on car insurance premiums. Shelter drops its rate from $86 per month to $42 for drivers who reach good credit standing, saving $525 annually.
Shelter offers the most affordable coverage for families at $1,080 annually for married couples with a 16-year-old driver. GEICO ($1,489) and Travelers ($1,714) provide alternatives.
| Shelter Insurance | $1,080 |
| Geico | $1,489 |
| Travelers | $1,714 |
| Farm Bureau | $1,988 |
| Progressive | $2,208 |
| Auto Owners | $2,310 |
| Dairyland | $2,594 |
| State Farm | $2,650 |
| Nationwide | $2,771 |
| Allstate | $3,241 |
| Farmers | $3,404 |
*Rates for married couples with a 16-year-old teen driver are based on 50-year-old male and female drivers with clean driving records.
How to Lower Family Premiums
Kansas drivers reduce their auto insurance expenses using these methods:
Get quotes from at least three standard insurers before applying to Kansas' assigned risk plan. KAIP coverage runs 25% to 50% higher than voluntary market rates. Many drivers who believe they can't get standard coverage do qualify with Shelter, GEICO or Farm Bureau.
Kansas allows credit-based insurance scoring. Shelter Insurance charges $86 monthly with poor credit but drops to $42 with good credit, a $525 annual savings. Pay bills on time, reduce credit card balances and dispute errors on your credit report to improve your score and lower premiums.
Kansas insurers may offer discounts for good students, military members, employer groups and professional affiliations not always advertised.
Kansas offers limited direct assistance for low-income drivers, but comparing quotes from multiple insurers and improving your credit score can lower premiums.
Shelter, GEICO and Farm Bureau have the lowest rates for budget-constrained drivers. Minimum coverage keeps premiums as low as possible if you own your vehicle outright. Financing or leasing requires comprehensive coverage, which raises the cost.
No. Drivers rejected by voluntary market insurers can get coverage through the Kansas Automobile Insurance Plan (KAIP), which assigns them to participating insurers for minimum required coverage.
Not directly. Insurers can use credit-based insurance scores when setting premiums, and credit scores often track with financial circumstances. Kansas requires insurers to disclose when credit information raises your premium.
Study Overview
MoneyGeek analyzed state auto insurance rates using data from Quadrant Information Services. Â
Data Acquisition, Depth and Analysis
Our analysis covers quotes from multiple companies across ZIP codes to determine the average cost of car insurance for low-income drivers.
Sample Driver Profile
We used this sample driver profile to determine average car insurance rates for low-income drivers:
To calculate rates for different driver profiles, we adjusted for age, family status and driving history.
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 50-year-old male and female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our minimum coverage data reflects Kansas legal requirements of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident and $25,000 property damage. Kansas is a no-fault state and also requires Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist coverage.
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 has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
