Cheapest Car Insurance for Low-Income Drivers in Kansas (2024)


The cheapest car insurance for individual drivers with low-income and poor credit history in Kansas is Travelers at $57 per month. For families with low-income, the most affordable provider is Nationwide at $30 per month.

Kansas does not offer state-backed car insurance programs for low-income families and individuals. Looking for the provider with the most affordable rate is one of their options to manage the cost, and there are also ways to get discounts to help alleviate the cost of car insurance.

While minimum coverage will help them drive legally, there are downsides to getting this type of coverage. For example, it does not cover damages in an at-fault accident.

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Cheapest for Individuals With Low Income

Travelers is the cheapest car insurance provider for individual drivers with low-income and poor credit history in Kansas with an average minimum coverage premium of $57 per month or $687 per year.

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Cheapest for Families With Low Income

Nationwide is the cheapest car insurance provider for families with low-income in Kansas with an average minimum coverage premium of $30 per month or $364 per year.

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Cheapest for Senior Drivers With Low Income

Shelter is the cheapest car insurance provider for seniors with low-income and poor credit score in Kansas with an average minimum coverage premium of $55 per month or $665 per year.

Why Trust MoneyGeek? We analyzed thousands of data points and quotes from Quadrant Information Services and the Kansas Department of Insurance to get the cheapest average costs for low-income drivers of Kansas.

49,812Quotes Analyzed
 
14Companies Compared
 
48ZIP Codes

Does Kansas Offer Low-Income Insurance?

Car insurance companies in Kansas do not consider income when calculating your rates. Instead, they look at factors like age, driving record, credit history, and type of car. At-fault accidents and moving violations will increase your rates. To find the cheapest rates, it's best to compare quotes from several insurance companies.

If your budget is tight, a basic minimum coverage policy is often the cheapest way to stay legal on the road. For drivers who rarely drive, pay-per-mile insurance can be the best option to save money. MoneyGeek rounded up the cheapest insurers for low-income drivers in Kansas to help you save.

Minimum Car Insurance Requirements in Kansas

To legally operate a vehicle in Kansas, securing car insurance that satisfies the state's minimum car insurance requirements is mandatory. Your policy should include at least the following coverages:

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

Personal Injury Protection (PIP) in Kansas also provides comprehensive benefits such as medical expenses, disability or loss of income coverage, in-home services, and funeral expenses.

When considering your insurance policy, note that a liability-only car insurance policy covers expenses for the other driver if you're at fault in an accident, but it doesn't cover your own vehicle's damages. To protect your own vehicle, you'll need a full coverage car insurance policy, which includes collision and comprehensive coverages. These coverages safeguard against a range of incidents, including theft, vandalism, and natural disasters.

For instance, if you reside in an area of Kansas prone to severe weather, opting for full coverage could provide peace of mind against the financial impact of storm damage. Assessing the risks and benefits of each coverage type is vital to determine the most suitable policy for your needs.

Cheapest Car Insurance for Individuals With Low Income in Kansas

Credit history is crucial for drivers with low income as it can significantly affect car insurance premiums in Kansas. Poor credit records can signal higher risk to insurers, leading to higher premiums. Maintaining a good credit history can help in securing lower insurance rates.

The cheapest car insurance companies for drivers with low-income and poor credit record in Kansas are:

  • Travelers: $687 per year, $57 per month
  • Progressive: $764 per year, $64 per month

Drivers with good insurance credit, you can get the cheapest car insurance in Kansas from:

  • Auto-Owners: $337 per year, $28 per month
  • Iowa Farm Bureau: $414 per year, $35 per month

It is essential to get at least state minimum coverage, as driving without insurance in Kansas is illegal. Penalties for driving without insurance include license suspension, vehicle registration suspension, and fines ranging from $175 to $1,000.

Data filtered by:Results filtered by:
Credit Score:
Credit Score:Poor
Travelers$687$57
Progressive$764$64
GEICO$764$64
Farmers$788$66
American Family$798$66
Iowa Farm Bureau$810$67
Shelter$816$68
Farmers Union Insurance$821$68
Nationwide$877$73
Auto-Owners Insurance Co$987$82
Allstate$1,089$91
State Farm$1,386$115
Dairyland$1,572$131
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance for Families With Low Income in Kansas

While your income doesn't directly affect car insurance rates, the structure of your household does. In Kansas, a single parent with a teen faces an annual premium of $793, whereas married couples with a teen can secure coverage for just $364 annually—a notable difference of $429 per year.

The most affordable car insurance companies for a married couple with a teen in Kansas are:

  • Nationwide: $364 per year; $30 per month
  • Travelers: $703 per year; $59 per month

For a single parent with a teen, the cheapest options are:

  • Nationwide: $793 per year; $66 per month
  • State Farm: $1,042 per year; $87 per month

Single parents in Kansas typically pay more for car insurance compared to married couples with a teen. This difference reflects the risk assessment insurers apply based on family structure. Keeping a solid credit score is key to landing these more affordable rates.

Data filtered by:Results filtered by:
Family Type:
Family Type:Married Couple with Teen
Nationwide$364$30
Travelers$703$59
State Farm$734$61
Auto-Owners Insurance Co$764$64
Progressive$773$64
GEICO$835$70
Farmers$932$78
Allstate$1,018$85

Cheapest Car Insurance for Seniors With Low Income in Kansas

Car insurance premiums generally decrease as you reach early senior years (around age 55 to 65), especially if you have a clean driving record.

The two cheapest car insurance for senior drivers with low income and poor credit history are:

  • Shelter: $55 per month, $665 per year
  • Iowa Farm Bureau: $56 per month, $673 per year

After age 70, car insurance rates typically increase as older drivers are statistically considered higher risk. This trend continues each year, meaning premiums generally rise as seniors age. In Kansas, there are specific guidelines for seniors getting car insurance, ensuring they meet certain criteria.

Data filtered by:Results filtered by:
Credit Score:
Credit Score:Poor
Shelter$665$55
Iowa Farm Bureau$673$56
Travelers$697$58
Progressive$712$59
American Family$774$64
Farmers Union Insurance$781$65
GEICO$833$69
Nationwide$850$71
Farmers$887$74
Auto-Owners Insurance Co$1,070$89
Allstate$1,204$100
State Farm$1,306$109
Dairyland$1,507$126
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

What Factors Affect Car Insurance Rates in Kansas?

Car insurance rates in Kansas are influenced by various factors. While your income doesn't directly affect rates, it can impact your credit score. A poor credit score can lead to higher rates, whereas a good score can help you get lower rates.

Understanding the factors that contribute to car insurance rates in Kansas can help you make informed decisions in choosing the best car insurance for you.

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    Driving record

    At-fault accidents and moving violations can increase your rates significantly. A clean driving record often results in lower premiums.

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    Age and gender

    Young drivers and males typically face higher insurance rates due to higher risk factors.

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    Credit history

    A poor credit history can lead to higher insurance premiums, while a good credit record can help reduce rates.

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    Location

    Living in urban areas or places with high crime rates can raise your insurance costs due to increased risk.

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    Vehicle type

    Luxury cars, sports cars, and vehicles with high repair costs generally come with higher insurance rates.

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    Coverage levels

    Opting for more than state minimum coverage will increase your insurance costs but offers better protection.

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    Insurance company

    Different insurers have unique underwriting methods and discounts, making it important to compare quotes.

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    Claims history

    A history of filing a claim can lead to higher rates as it indicates a higher risk to insurers. If you can afford repairs, it might pay not to file a claim.

How to Save on Car Insurance in Kansas

You don't need a state-sponsored program to cut costs — finding affordable car insurance in Kansas is possible with the right strategies. Here are some tips to lower your premiums:

  1. 1
    Choose minimum coverage

    Opting for state-mandated minimum coverage can help you save yet meet legal requirements to drive. This ensures your insurance cost is as low as possible while keeping you compliant with the law.

  2. 2
    Comparison shop

    Getting quotes from multiple insurers allows you to compare rates and discounts. Shopping locally could lead to the lowest rates in Kentucky since insurers assess regional risk factors differently.

  3. 3
    Look for discounts

    Many insurance companies offer discounts for various factors, such as being a good student, having a safe driving record, being a military member, or bundling your auto insurance with other policies.

  4. 4
    Increase your deductible

    If you opt to get collision or comprehensive coverage, opting for a higher car insurance deductible can significantly reduce your monthly premium. However, be sure you can afford the out-of-pocket cost in case of an accident.

  5. 5
    Consider pay-per-mile insurance

    If available in Kansas pay-per-mile is a great option if you're a low-mileage driver. You pay a base rate plus a per-mile fee, so you only pay for the miles you drive.

  6. 6
    Bundle your policies

    If you have other insurance needs, like homeowners or renters insurance, bundling them with your auto policy can often lead to discounts. The best home and auto bundles can save you around $496 each year.

  7. 7
    Drive a cheaper car

    Your car's make, model and year significantly impact your insurance costs. Driving the cheapest cars to insure can save you hundreds of dollars in insurance costs each year.

FAQ: Low-Income Car Insurance in Kansas

Finding affordable car insurance in Kansas can be tough for drivers with low incomes. Here are answers to some of your most common questions on how to save.

Does Kansas have a state-backed low-income car insurance program?

How can low-income families get affordable car insurance in Kansas?

Does your income affect the cost of car insurance in Kansas?

What are the benefits of usage-based telematics programs for drivers with low-income in Kansas?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.