GEICO provides Kansas drivers the most affordable insurance, with monthly rates of $25 for minimum coverage and $71 for full coverage. Drivers save $36 monthly (43%) compared to state averages. Get quotes from Travelers, Auto-Owners, Shelter and State Farm too.
Cheapest Car Insurance in Kansas
Updated: September 9, 2025
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Key Takeaways
The cheapest car insurance companies in Kansas for most drivers are GEICO, Travelers and Auto Owners, offering average savings of up to 43%.
Car insurance costs can be as low as $23 for minimum coverage and $62 for full coverage policies on average in Kansas.
To get the cheapest car insurance in Kansas, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Kansas?
| Geico | $25 | $71 | -43% | $-36 |
| Travelers | $33 | $76 | -35% | $-30 |
| Auto Owners | $36 | $87 | -27% | $-23 |
| Shelter Insurance | $45 | $97 | -16% | $-14 |
| State Farm | $36 | $118 | -9% | $-7 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$150
High
$104
Average
$76
Low
Rates updated:
Sep 17, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 88 /of 100 | $76 | |
| 2 |  Nationwide | 85 /of 100 | $78 |
| 3 |  GEICO | 78 /of 100 | $94 |
| 4 | 83 /of 100 | $96 | |
| 5 | 81 /of 100 | $99 | |
| 6 | 90 /of 100 | $111 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Kansas
GEICO offers the cheapest rates in four out of our 10 driver categories, including adult drivers and those with speeding tickets, while Travelers matches this performance by winning four categories with affordable rates for young and senior drivers. Find your specific rates in the table:
| Young Drivers | Travelers | $66 |
| Adult Drivers | Geico | $26 |
| Senior Drivers | Travelers | $46 |
| Drivers With An Accident | Travelers | $43 |
| Drivers With A DUI | Travelers | $45 |
| Drivers With A Speeding Ticket | Geico | $31 |
| Drivers With Bad Credit | Shelter Insurance | $91 |
| Drivers With Low Income | Shelter Insurance | $56 |
| Drivers With Newer Cars | Geico | $28 |
| Drivers With Old Cars | Geico | $20 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN KANSAS
We've created additional guides below to help you in your search for the best and cheapest car insurance in Kansas:
Compare the Cheapest Car Insurance in Kansas for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Shelter offers the lowest rates at $230 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Shelter Insurance | $230 | $2,757 | -37% | $-1,620 |
| Travelers | $262 | $3,143 | -28% | $-1,234 |
| Auto Owners | $279 | $3,353 | -23% | $-1,024 |
| Geico | $289 | $3,470 | -21% | $-907 |
| Farm Bureau | $304 | $3,650 | -17% | $-727 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Kansas by City
Where you live in Kansas affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $23 in Manhattan but costs $40 in Mission. Here are the cheapest providers for every Kansas city:
Data filtered by:Results filtered by:
Select
City:
| Wichita | Geico | $28 | -45% | $-42 |
| Overland Park | Geico | $27 | -43% | $-37 |
| Kansas City | Auto Owners | $33 | -42% | $-42 |
| Olathe | Geico | $37 | -38% | $-37 |
| Topeka | Geico | $27 | -40% | $-33 |
| Lawrence | Geico | $24 | -44% | $-35 |
| Shawnee | Geico | $26 | -41% | $-34 |
| Lenexa | Geico | $26 | -40% | $-33 |
| Manhattan | Geico | $23 | -44% | $-34 |
| Salina | Geico | $26 | -44% | $-38 |
| Hutchinson | Geico | $24 | -45% | $-37 |
| Leavenworth | Geico | $24 | -46% | $-39 |
| Leawood | Geico | $26 | -43% | $-37 |
| Garden City | Geico | $28 | -41% | $-36 |
| Dodge City | Geico | $28 | -41% | $-37 |
| Derby | Geico | $23 | -49% | $-43 |
| Emporia | Geico | $23 | -44% | $-34 |
| Gardner | Auto Owners | $26 | -41% | $-32 |
| Prairie Village | Geico | $26 | -42% | $-36 |
| Hays | Geico | $25 | -43% | $-35 |
| Pittsburg | Geico | $25 | -41% | $-32 |
| Liberal | Travelers | $33 | -41% | $-36 |
| Newton | Travelers | $28 | -42% | $-32 |
| Great Bend | Geico | $25 | -45% | $-38 |
| Andover | Geico | $25 | -47% | $-40 |
| McPherson | Travelers | $28 | -41% | $-31 |
| El Dorado | Geico | $25 | -45% | $-38 |
| Winfield | Geico | $25 | -44% | $-37 |
| Ottawa | Geico | $25 | -42% | $-33 |
| Arkansas City | Geico | $25 | -44% | $-36 |
| Atchison | Geico | $25 | -41% | $-33 |
| Parsons | Geico | $25 | -42% | $-34 |
| Augusta | Geico | $25 | -45% | $-38 |
| Chanute | Geico | $25 | -42% | $-34 |
| Independence | Geico | $27 | -39% | $-32 |
| Bonner Springs | Geico | $25 | -44% | $-37 |
| Fort Scott | Geico | $25 | -40% | $-32 |
| Wellington | Geico | $25 | -44% | $-36 |
| Spring Hill | Geico | $25 | -42% | $-33 |
| Tonganoxie | Geico | $24 | -44% | $-37 |
| Eudora | Geico | $25 | -41% | $-32 |
| Basehor | Geico | $24 | -44% | $-36 |
| Pratt | Geico | $25 | -44% | $-36 |
| Abilene | Geico | $25 | -41% | $-32 |
| De Soto | Geico | $25 | -42% | $-34 |
| Colby | Geico | $28 | -36% | $-30 |
| Concordia | Geico | $25 | -43% | $-35 |
| Baldwin City | Geico | $25 | -41% | $-32 |
| Abbyville | Geico | $25 | -42% | $-34 |
| Admire | Geico | $25 | -40% | $-31 |
| Agenda | Geico | $25 | -42% | $-34 |
| Agra | Geico | $25 | -45% | $-38 |
| Albert | Geico | $25 | -44% | $-36 |
| Alden | Geico | $31 | -36% | $-32 |
| Alexander | Geico | $25 | -44% | $-37 |
| Allen | Geico | $25 | -40% | $-31 |
| Alma | Travelers | $28 | -41% | $-32 |
| Almena | Geico | $28 | -40% | $-35 |
| Altamont | Geico | $25 | -43% | $-35 |
| Alta Vista | Geico | $25 | -41% | $-32 |
| Alton | Geico | $25 | -42% | $-34 |
| Altoona | Geico | $25 | -42% | $-33 |
| Americus | Geico | $25 | -40% | $-31 |
| Andale | Geico | $25 | -45% | $-38 |
| Anthony | Geico | $28 | -37% | $-31 |
| Arcadia | Geico | $32 | -35% | $-31 |
| Argonia | Geico | $25 | -45% | $-38 |
| Arlington | Geico | $25 | -42% | $-34 |
| Arma | Geico | $25 | -41% | $-32 |
| Arnold | Geico | $28 | -38% | $-32 |
| Ashland | Geico | $28 | -40% | $-35 |
| Assaria | Travelers | $28 | -40% | $-30 |
| Athol | Geico | $25 | -44% | $-36 |
| Atlanta | Geico | $25 | -44% | $-36 |
| Attica | Geico | $28 | -38% | $-33 |
| Atwood | Geico | $28 | -38% | $-33 |
| Auburn | Geico | $25 | -42% | $-33 |
| Aurora | Geico | $25 | -42% | $-34 |
| Axtell | Geico | $25 | -39% | $-30 |
| Baileyville | Geico | $25 | -39% | $-30 |
| Barnard | Geico | $25 | -41% | $-33 |
| Barnes | Geico | $25 | -41% | $-32 |
| Bartlett | Geico | $25 | -43% | $-35 |
| Baxter Springs | Geico | $25 | -44% | $-36 |
| Bazine | Geico | $28 | -37% | $-31 |
| Beattie | Geico | $25 | -40% | $-30 |
| Beaumont | Geico | $25 | -44% | $-36 |
| Beeler | Travelers | $32 | -38% | $-32 |
| Belle Plaine | Geico | $25 | -44% | $-37 |
| Belleville | Geico | $25 | -43% | $-35 |
| Beloit | Geico | $25 | -42% | $-34 |
| Belpre | Geico | $25 | -44% | $-36 |
| Belvue | Travelers | $28 | -41% | $-31 |
| Bendena | Geico | $25 | -41% | $-33 |
| Benedict | Geico | $25 | -42% | $-34 |
| Bennington | Travelers | $29 | -41% | $-32 |
| Bentley | Geico | $25 | -43% | $-36 |
| Benton | Geico | $25 | -44% | $-37 |
| Bern | Geico | $25 | -39% | $-30 |
| Berryton | Geico | $25 | -42% | $-33 |
| Beverly | Geico | $25 | -41% | $-33 |
| Bird City | Geico | $28 | -37% | $-32 |
| Bison | Geico | $25 | -44% | $-37 |
| Blue Mound | Geico | $25 | -42% | $-34 |
| Blue Rapids | Geico | $25 | -41% | $-32 |
| Bluff City | Geico | $28 | -37% | $-31 |
| Bogue | Geico | $28 | -38% | $-32 |
| Bremen | Geico | $25 | -40% | $-31 |
| Brewster | Geico | $28 | -36% | $-30 |
| Bronson | Geico | $25 | -42% | $-34 |
| Brookville | Travelers | $29 | -41% | $-32 |
| Brownell | Travelers | $32 | -38% | $-32 |
| Bucklin | Geico | $28 | -41% | $-36 |
| Bucyrus | Geico | $25 | -42% | $-33 |
| Buffalo | Geico | $25 | -42% | $-33 |
| Buhler | Geico | $24 | -43% | $-34 |
| Bunker Hill | Geico | $25 | -44% | $-36 |
| Burden | Geico | $25 | -44% | $-36 |
| Burdett | Geico | $25 | -44% | $-36 |
| Burdick | Geico | $25 | -40% | $-31 |
| Burlingame | Geico | $25 | -42% | $-33 |
| Burlington | Geico | $25 | -41% | $-32 |
| Burns | Geico | $25 | -43% | $-35 |
| Burr Oak | Geico | $25 | -44% | $-36 |
| Burrton | Travelers | $28 | -42% | $-33 |
| Bushton | Geico | $25 | -44% | $-36 |
| Byers | Geico | $25 | -43% | $-36 |
| Caldwell | Geico | $25 | -44% | $-37 |
| Cambridge | Geico | $25 | -43% | $-35 |
| Caney | Travelers | $31 | -40% | $-33 |
| Canton | Travelers | $28 | -40% | $-30 |
| Carbondale | Geico | $25 | -42% | $-33 |
| Cassoday | Geico | $25 | -44% | $-36 |
| Catharine | Geico | $25 | -45% | $-38 |
| Cawker City | Geico | $25 | -43% | $-35 |
| Cedar | Geico | $25 | -44% | $-36 |
| Cedar Point | Geico | $25 | -41% | $-33 |
| Cedar Vale | Geico | $25 | -42% | $-34 |
| Centerville | Geico | $25 | -41% | $-32 |
| Centralia | Geico | $25 | -39% | $-30 |
| Chapman | Geico | $25 | -40% | $-32 |
| Chase | Geico | $25 | -43% | $-36 |
| Chautauqua | Geico | $25 | -43% | $-35 |
| Cheney | Geico | $25 | -44% | $-37 |
| Cherokee | Geico | $25 | -41% | $-32 |
| Cherryvale | Auto Owners | $28 | -38% | $-31 |
| Chetopa | Geico | $25 | -44% | $-36 |
| Cimarron | Geico | $28 | -40% | $-35 |
| Circleville | Geico | $25 | -39% | $-30 |
| Claflin | Geico | $25 | -44% | $-36 |
| Clay Center | Geico | $25 | -41% | $-32 |
| Clayton | Geico | $28 | -37% | $-31 |
| Clearview City | Geico | $25 | -45% | $-38 |
| Clearwater | Geico | $25 | -46% | $-40 |
| Clifton | Geico | $25 | -42% | $-34 |
| Clyde | Geico | $25 | -43% | $-35 |
| Coats | Geico | $25 | -45% | $-37 |
| Coffeyville | Geico | $27 | -40% | $-33 |
| Coldwater | Geico | $28 | -40% | $-35 |
| Collyer | Geico | $28 | -38% | $-33 |
| Colony | Geico | $25 | -41% | $-33 |
| Columbus | Geico | $25 | -43% | $-36 |
| Colwich | Geico | $25 | -45% | $-38 |
| Conway Springs | Geico | $25 | -44% | $-37 |
| Coolidge | Geico | $28 | -40% | $-35 |
| Copeland | Geico | $28 | -39% | $-34 |
| Corning | Geico | $25 | -40% | $-31 |
| Cottonwood Falls | Geico | $25 | -41% | $-33 |
| Council Grove | Geico | $25 | -41% | $-32 |
| Courtland | Geico | $25 | -43% | $-35 |
| Crestline | Geico | $25 | -46% | $-39 |
| Cuba | Geico | $25 | -42% | $-34 |
| Cummings | Geico | $25 | -41% | $-33 |
| Cunningham | Geico | $25 | -43% | $-35 |
| Damar | Geico | $25 | -45% | $-38 |
| Danville | Geico | $28 | -37% | $-32 |
| Dearing | Geico | $27 | -39% | $-33 |
| Deerfield | Geico | $28 | -40% | $-36 |
| Delia | Geico | $25 | -40% | $-31 |
| Delphos | Geico | $25 | -42% | $-34 |
| Denison | Geico | $25 | -41% | $-32 |
| Dennis | Geico | $25 | -42% | $-33 |
| Denton | Geico | $25 | -40% | $-31 |
| Dexter | Geico | $25 | -43% | $-35 |
| Dighton | Geico | $28 | -37% | $-32 |
| Dorrance | Geico | $25 | -43% | $-35 |
| Douglass | Geico | $25 | -45% | $-38 |
| Downs | Geico | $25 | -43% | $-36 |
| Dresden | Geico | $28 | -38% | $-32 |
| Durham | Geico | $25 | -40% | $-31 |
| Dwight | Geico | $25 | -40% | $-31 |
| Easton | Geico | $24 | -44% | $-36 |
| Edgerton | Geico | $25 | -41% | $-33 |
| Edna | Geico | $25 | -43% | $-35 |
| Edson | Geico | $28 | -37% | $-31 |
| Effingham | Geico | $25 | -41% | $-32 |
| Elbing | Travelers | $28 | -43% | $-34 |
| Elk City | Geico | $27 | -38% | $-31 |
| Elk Falls | Geico | $25 | -42% | $-34 |
| Elkhart | Geico | $28 | -40% | $-35 |
| Ellinwood | Geico | $25 | -44% | $-37 |
| Ellis | Geico | $25 | -43% | $-35 |
| Ellsworth | Geico | $25 | -44% | $-36 |
| Elmdale | Geico | $25 | -41% | $-32 |
| Elsmore | Geico | $25 | -41% | $-33 |
| Elwood | Geico | $25 | -41% | $-33 |
| Emmett | Travelers | $28 | -41% | $-31 |
| Englewood | Geico | $28 | -40% | $-35 |
| Ensign | Geico | $28 | -40% | $-35 |
| Enterprise | Geico | $25 | -41% | $-32 |
| Erie | Geico | $25 | -42% | $-34 |
| Esbon | Geico | $25 | -43% | $-35 |
| Eskridge | Geico | $25 | -42% | $-33 |
| Eureka | Geico | $25 | -42% | $-33 |
| Everest | Geico | $25 | -40% | $-30 |
| Fairview | Geico | $25 | -39% | $-30 |
| Fall River | Geico | $25 | -42% | $-34 |
| Falun | Travelers | $28 | -40% | $-30 |
| Farlington | Geico | $25 | -41% | $-32 |
| Florence | Geico | $25 | -41% | $-33 |
| Fontana | Geico | $25 | -42% | $-33 |
| Ford | Geico | $28 | -40% | $-36 |
| Formoso | Geico | $25 | -43% | $-35 |
| Fort Dodge | Geico | $28 | -40% | $-36 |
| Fort Leavenworth | Geico | $24 | -45% | $-38 |
| Fort Riley | Travelers | $29 | -42% | $-34 |
| Fostoria | Geico | $25 | -42% | $-33 |
| Fowler | Travelers | $32 | -41% | $-36 |
| Frankfort | Geico | $25 | -41% | $-32 |
| Franklin | Geico | $25 | -41% | $-33 |
| Fredonia | Geico | $25 | -42% | $-34 |
| Freeport | Geico | $28 | -38% | $-32 |
| Frontenac | Geico | $25 | -41% | $-33 |
| Fulton | Geico | $25 | -42% | $-34 |
| Galena | Geico | $25 | -44% | $-36 |
| Galesburg | Geico | $25 | -41% | $-33 |
| Galva | Travelers | $28 | -40% | $-30 |
| Garden Plain | Geico | $25 | -45% | $-38 |
| Garfield | Geico | $25 | -44% | $-36 |
| Garland | Geico | $25 | -41% | $-33 |
| Garnett | Geico | $25 | -42% | $-34 |
| Gaylord | Geico | $25 | -43% | $-36 |
| Gem | Geico | $28 | -37% | $-31 |
| Geneseo | Geico | $25 | -42% | $-34 |
| Geuda Springs | Geico | $25 | -43% | $-35 |
| Girard | Geico | $25 | -40% | $-32 |
| Glade | Geico | $25 | -44% | $-37 |
| Glasco | Geico | $25 | -42% | $-34 |
| Glen Elder | Geico | $25 | -43% | $-35 |
| Goddard | Geico | $25 | -46% | $-39 |
| Goessel | Travelers | $28 | -43% | $-34 |
| Goff | Geico | $25 | -39% | $-30 |
| Goodland | Geico | $28 | -37% | $-31 |
| Gorham | Geico | $25 | -43% | $-35 |
| Gove | Geico | $28 | -37% | $-31 |
| Grainfield | Geico | $28 | -38% | $-32 |
| Grantville | Geico | $26 | -39% | $-32 |
| Greeley | Geico | $25 | -42% | $-34 |
| Green | Geico | $25 | -40% | $-31 |
| Greenleaf | Geico | $25 | -42% | $-33 |
| Greensburg | Geico | $25 | -45% | $-38 |
| Greenwich | Geico | $25 | -47% | $-42 |
| Grenola | Geico | $25 | -42% | $-34 |
| Gridley | Geico | $25 | -41% | $-33 |
| Grinnell | Geico | $28 | -37% | $-31 |
| Gypsum | Travelers | $28 | -40% | $-30 |
| Haddam | Geico | $25 | -42% | $-34 |
| Halstead | Travelers | $28 | -42% | $-32 |
| Hamilton | Geico | $25 | -41% | $-32 |
| Hanover | Geico | $25 | -42% | $-34 |
| Hanston | Geico | $28 | -40% | $-36 |
| Hardtner | Geico | $28 | -41% | $-36 |
| Harper | Geico | $28 | -37% | $-31 |
| Hartford | Geico | $25 | -42% | $-34 |
| Harveyville | Geico | $25 | -40% | $-31 |
| Havana | Geico | $27 | -38% | $-30 |
| Haven | Geico | $25 | -43% | $-35 |
| Havensville | Geico | $25 | -39% | $-30 |
| Haviland | Geico | $25 | -44% | $-36 |
| Haysville | Geico | $28 | -42% | $-39 |
| Hazelton | Geico | $28 | -40% | $-35 |
| Healy | Travelers | $32 | -38% | $-32 |
| Hepler | Geico | $25 | -40% | $-32 |
| Herington | Geico | $25 | -40% | $-31 |
| Herndon | Geico | $28 | -38% | $-33 |
| Hesston | Travelers | $28 | -41% | $-32 |
| Hiawatha | Geico | $25 | -40% | $-31 |
| Highland | Geico | $25 | -41% | $-32 |
| Hill City | Geico | $28 | -38% | $-33 |
| Hillsboro | Geico | $25 | -41% | $-32 |
| Hillsdale | Geico | $25 | -44% | $-36 |
| Hoisington | Geico | $25 | -44% | $-37 |
| Holcomb | Geico | $28 | -40% | $-36 |
| Hollenberg | Geico | $25 | -42% | $-34 |
| Holton | Geico | $25 | -40% | $-31 |
| Holyrood | Geico | $25 | -44% | $-36 |
| Home | Geico | $25 | -40% | $-31 |
| Hope | Geico | $25 | -40% | $-31 |
| Horton | Geico | $25 | -40% | $-32 |
| Howard | Geico | $25 | -43% | $-35 |
| Hoxie | Geico | $28 | -37% | $-31 |
| Hoyt | Geico | $25 | -40% | $-32 |
| Hudson | Geico | $25 | -44% | $-36 |
| Hugoton | Geico | $28 | -40% | $-35 |
| Humboldt | Geico | $25 | -41% | $-33 |
| Hunter | Geico | $25 | -41% | $-33 |
| Ingalls | Geico | $28 | -40% | $-35 |
| Inman | Geico | $25 | -39% | $-30 |
| Iola | Geico | $25 | -41% | $-33 |
| Isabel | Geico | $28 | -38% | $-33 |
| Iuka | Geico | $25 | -44% | $-36 |
| Jamestown | Geico | $25 | -43% | $-35 |
| Jennings | Geico | $28 | -37% | $-32 |
| Jetmore | Geico | $28 | -41% | $-36 |
| Jewell | Geico | $25 | -43% | $-35 |
| Johnson City | Geico | $28 | -40% | $-35 |
| Junction City | Auto Owners | $26 | -42% | $-33 |
| Kanopolis | Geico | $25 | -44% | $-36 |
| Kanorado | Geico | $28 | -37% | $-31 |
| Kechi | Geico | $28 | -41% | $-37 |
| Kendall | Geico | $28 | -40% | $-35 |
| Kensington | Geico | $25 | -44% | $-36 |
| Kincaid | Geico | $25 | -42% | $-34 |
| Kingman | Geico | $25 | -44% | $-37 |
| Kinsley | Geico | $25 | -44% | $-37 |
| Kiowa | Geico | $28 | -41% | $-36 |
| Kirwin | Geico | $25 | -44% | $-37 |
| Kismet | Geico | $28 | -40% | $-35 |
| La Crosse | Geico | $25 | -44% | $-37 |
| Lacygne | Geico | $25 | -43% | $-35 |
| La Harpe | Geico | $25 | -41% | $-33 |
| Lake City | Geico | $28 | -40% | $-35 |
| Lake Quivira | Geico | $26 | -41% | $-34 |
| Lakin | Geico | $28 | -40% | $-35 |
| Lamont | Geico | $25 | -42% | $-33 |
| Lancaster | Geico | $25 | -41% | $-32 |
| Lane | Geico | $25 | -41% | $-32 |
| Lansing | Geico | $24 | -45% | $-37 |
| Larned | Geico | $25 | -45% | $-38 |
| Latham | Geico | $25 | -44% | $-37 |
| Lebanon | Geico | $25 | -45% | $-38 |
| Lebo | Geico | $25 | -41% | $-32 |
| Lecompton | Geico | $25 | -40% | $-31 |
| Lehigh | Geico | $25 | -40% | $-31 |
| Lenora | Geico | $28 | -38% | $-32 |
| Leon | Geico | $25 | -44% | $-37 |
| Leonardville | Geico | $25 | -40% | $-31 |
| Leoti | Geico | $28 | -37% | $-31 |
| Le Roy | Geico | $25 | -42% | $-34 |
| Levant | Geico | $28 | -36% | $-30 |
| Lewis | Geico | $25 | -44% | $-37 |
| Liberty | Geico | $27 | -38% | $-31 |
| Liebenthal | Geico | $25 | -45% | $-38 |
| Lincoln | Geico | $25 | -42% | $-34 |
| Lincolnville | Geico | $25 | -41% | $-32 |
| Lindsborg | Travelers | $28 | -40% | $-30 |
| Linn | Geico | $25 | -42% | $-34 |
| Linwood | Geico | $24 | -44% | $-36 |
| Little River | Geico | $25 | -42% | $-34 |
| Logan | Geico | $25 | -46% | $-39 |
| Longford | Geico | $25 | -41% | $-32 |
| Long Island | Geico | $25 | -45% | $-38 |
| Longton | Geico | $25 | -42% | $-34 |
| Lorraine | Geico | $25 | -43% | $-35 |
| Lost Springs | Geico | $25 | -40% | $-31 |
| Louisburg | Geico | $25 | -42% | $-33 |
| Lucas | Geico | $25 | -44% | $-36 |
| Ludell | Geico | $28 | -38% | $-32 |
| Luray | Geico | $25 | -43% | $-35 |
| Lyndon | Geico | $25 | -42% | $-33 |
| Lyons | Geico | $25 | -43% | $-35 |
| Macksville | Geico | $25 | -44% | $-37 |
| Madison | Geico | $25 | -41% | $-33 |
| Mahaska | Geico | $25 | -42% | $-34 |
| Maize | Geico | $25 | -46% | $-40 |
| Mankato | Geico | $25 | -43% | $-35 |
| Manter | Geico | $28 | -38% | $-33 |
| Maple City | Geico | $25 | -43% | $-36 |
| Maple Hill | Geico | $25 | -41% | $-32 |
| Mapleton | Geico | $25 | -42% | $-34 |
| Marienthal | Geico | $28 | -38% | $-32 |
| Marion | Geico | $25 | -40% | $-31 |
| Marquette | Geico | $25 | -40% | $-31 |
| Marysville | Geico | $25 | -40% | $-31 |
| Matfield Green | Geico | $25 | -41% | $-33 |
| Mayetta | Geico | $25 | -40% | $-31 |
| Mayfield | Geico | $25 | -44% | $-36 |
| McConnell AFB | Geico | $25 | -49% | $-44 |
| Mc Cracken | Geico | $25 | -44% | $-37 |
| Mc Cune | Geico | $25 | -41% | $-32 |
| Mc Donald | Geico | $28 | -37% | $-32 |
| Mc Farland | Travelers | $28 | -42% | $-32 |
| Mc Louth | Geico | $25 | -43% | $-34 |
| Meade | Travelers | $33 | -40% | $-35 |
| Medicine Lodge | Geico | $28 | -41% | $-36 |
| Melvern | Geico | $25 | -42% | $-33 |
| Meriden | Geico | $25 | -41% | $-32 |
| Milan | Geico | $25 | -44% | $-36 |
| Milford | Geico | $25 | -41% | $-32 |
| Milton | Geico | $25 | -43% | $-35 |
| Miltonvale | Geico | $25 | -41% | $-33 |
| Minneapolis | Geico | $25 | -42% | $-33 |
| Minneola | Geico | $28 | -40% | $-36 |
| Mission | Geico | $40 | -36% | $-37 |
| Moline | Geico | $25 | -43% | $-35 |
| Montezuma | Travelers | $33 | -40% | $-35 |
| Monument | Geico | $28 | -37% | $-31 |
| Moran | Geico | $25 | -41% | $-33 |
| Morganville | Geico | $25 | -41% | $-32 |
| Morland | Geico | $28 | -37% | $-31 |
| Morrill | Geico | $25 | -39% | $-30 |
| Morrowville | Geico | $25 | -42% | $-34 |
| Moscow | Geico | $28 | -40% | $-35 |
| Mound City | Geico | $25 | -43% | $-35 |
| Moundridge | Travelers | $29 | -39% | $-30 |
| Mound Valley | Geico | $25 | -43% | $-35 |
| Mount Hope | Geico | $25 | -44% | $-36 |
| Mulberry | Geico | $25 | -41% | $-33 |
| Mullinville | Geico | $25 | -44% | $-37 |
| Mulvane | Geico | $25 | -46% | $-40 |
| Munden | Geico | $25 | -42% | $-34 |
| Murdock | Geico | $25 | -44% | $-37 |
| Muscotah | Geico | $25 | -40% | $-32 |
| Narka | Geico | $25 | -41% | $-33 |
| Nashville | Geico | $25 | -45% | $-37 |
| Natoma | Geico | $25 | -43% | $-35 |
| Neal | Geico | $25 | -41% | $-32 |
| Nekoma | Geico | $25 | -45% | $-38 |
| Neodesha | Geico | $25 | -42% | $-33 |
| Neosho Falls | Geico | $25 | -41% | $-32 |
| Neosho Rapids | Geico | $25 | -41% | $-32 |
| Ness City | Geico | $28 | -38% | $-33 |
| Netawaka | Geico | $25 | -39% | $-29 |
| New Cambria | Travelers | $29 | -39% | $-29 |
| New Century | Geico | $25 | -42% | $-34 |
| Nickerson | Geico | $25 | -43% | $-35 |
| Niotaze | Geico | $25 | -43% | $-35 |
| Norcatur | Geico | $28 | -37% | $-31 |
| North Newton | Travelers | $27 | -42% | $-33 |
| Norton | Geico | $28 | -39% | $-34 |
| Nortonville | Geico | $25 | -42% | $-34 |
| Norway | Geico | $25 | -44% | $-37 |
| Norwich | Geico | $25 | -45% | $-37 |
| Oakley | Geico | $28 | -36% | $-30 |
| Oberlin | Geico | $28 | -38% | $-33 |
| Offerle | Geico | $25 | -45% | $-37 |
| Ogallah | Travelers | $32 | -39% | $-33 |
| Ogden | Geico | $25 | -41% | $-33 |
| Oketo | Geico | $25 | -39% | $-30 |
| Olmitz | Geico | $25 | -43% | $-35 |
| Olpe | Geico | $25 | -40% | $-31 |
| Olsburg | Geico | $25 | -39% | $-30 |
| Onaga | Geico | $25 | -39% | $-30 |
| Oneida | Geico | $25 | -41% | $-32 |
| Opolis | Geico | $25 | -40% | $-32 |
| Osage City | Geico | $25 | -41% | $-32 |
| Osawatomie | Geico | $25 | -42% | $-34 |
| Osborne | Geico | $25 | -43% | $-35 |
| Oskaloosa | Geico | $25 | -43% | $-35 |
| Oswego | Geico | $25 | -42% | $-33 |
| Otis | Geico | $25 | -45% | $-38 |
| Overbrook | Geico | $25 | -41% | $-32 |
| Oxford | Geico | $25 | -43% | $-36 |
| Ozawkie | Geico | $25 | -43% | $-35 |
| Palco | Geico | $25 | -45% | $-38 |
| Palmer | Geico | $25 | -42% | $-33 |
| Paola | Geico | $25 | -42% | $-33 |
| Paradise | Geico | $25 | -43% | $-36 |
| Park | Geico | $28 | -37% | $-31 |
| Parker | Geico | $25 | -42% | $-34 |
| Partridge | Geico | $24 | -44% | $-36 |
| Pawnee Rock | Geico | $25 | -44% | $-36 |
| Paxico | Travelers | $28 | -42% | $-33 |
| Peabody | Geico | $25 | -41% | $-32 |
| Peck | Geico | $25 | -44% | $-37 |
| Penokee | Geico | $28 | -38% | $-32 |
| Perry | Geico | $25 | -42% | $-33 |
| Peru | Geico | $25 | -42% | $-34 |
| Pfeifer | Geico | $25 | -43% | $-35 |
| Phillipsburg | Geico | $25 | -45% | $-38 |
| Piedmont | Geico | $25 | -42% | $-34 |
| Pierceville | Geico | $28 | -40% | $-35 |
| Piqua | Geico | $25 | -41% | $-32 |
| Plains | Geico | $28 | -40% | $-35 |
| Plainville | Geico | $25 | -45% | $-38 |
| Pleasanton | Geico | $25 | -43% | $-35 |
| Plevna | Geico | $25 | -43% | $-35 |
| Pomona | Geico | $25 | -42% | $-34 |
| Portis | Geico | $25 | -42% | $-34 |
| Potwin | Geico | $25 | -43% | $-35 |
| Powhattan | Geico | $25 | -39% | $-29 |
| Prairie View | Geico | $25 | -45% | $-38 |
| Prescott | Geico | $25 | -43% | $-35 |
| Pretty Prairie | Geico | $25 | -44% | $-36 |
| Princeton | Geico | $25 | -41% | $-33 |
| Protection | Geico | $28 | -41% | $-36 |
| Quenemo | Geico | $25 | -42% | $-33 |
| Quinter | Geico | $28 | -38% | $-32 |
| Ramona | Geico | $25 | -41% | $-32 |
| Randall | Geico | $25 | -42% | $-34 |
| Randolph | Geico | $25 | -39% | $-30 |
| Ransom | Geico | $28 | -38% | $-32 |
| Rantoul | Geico | $25 | -41% | $-33 |
| Raymond | Geico | $25 | -43% | $-35 |
| Reading | Geico | $25 | -40% | $-31 |
| Redfield | Geico | $25 | -42% | $-33 |
| Republic | Geico | $25 | -42% | $-34 |
| Rexford | Geico | $28 | -37% | $-31 |
| Richfield | Geico | $28 | -41% | $-36 |
| Richmond | Geico | $25 | -42% | $-33 |
| Riley | Geico | $25 | -39% | $-30 |
| Riverton | Geico | $25 | -44% | $-36 |
| Robinson | Geico | $25 | -39% | $-30 |
| Rock | Geico | $25 | -43% | $-36 |
| Roeland Park | Geico | $26 | -42% | $-37 |
| Rolla | Geico | $28 | -41% | $-36 |
| Rosalia | Geico | $25 | -44% | $-36 |
| Rose Hill | Geico | $25 | -45% | $-39 |
| Rossville | Geico | $25 | -40% | $-31 |
| Roxbury | Geico | $25 | -42% | $-33 |
| Rozel | Geico | $25 | -45% | $-38 |
| Rush Center | Geico | $25 | -45% | $-37 |
| Russell | Geico | $25 | -43% | $-35 |
| Sabetha | Geico | $25 | -39% | $-30 |
| Satanta | Geico | $28 | -39% | $-34 |
| Savonburg | Geico | $25 | -42% | $-33 |
| Sawyer | Geico | $28 | -37% | $-32 |
| Scammon | Geico | $25 | -42% | $-34 |
| Scandia | Geico | $25 | -42% | $-34 |
| Schoenchen | Geico | $25 | -43% | $-35 |
| Scott City | Geico | $28 | -37% | $-31 |
| Scranton | Geico | $25 | -42% | $-33 |
| Sedan | Geico | $25 | -42% | $-34 |
| Sedgwick | Geico | $25 | -41% | $-33 |
| Selden | Geico | $28 | -37% | $-32 |
| Seneca | Geico | $25 | -39% | $-30 |
| Severy | Geico | $25 | -42% | $-34 |
| Sharon | Geico | $28 | -40% | $-36 |
| Sharon Springs | Geico | $28 | -38% | $-33 |
| Silver Lake | Geico | $25 | -41% | $-33 |
| Simpson | Geico | $25 | -42% | $-33 |
| Smith Center | Geico | $25 | -44% | $-37 |
| Soldier | Geico | $25 | -39% | $-30 |
| Solomon | Travelers | $28 | -41% | $-32 |
| South Haven | Geico | $25 | -43% | $-36 |
| South Hutchinson | Geico | $24 | -45% | $-38 |
| Spearville | Geico | $28 | -41% | $-36 |
| Spivey | Geico | $25 | -44% | $-37 |
| Stafford | Geico | $25 | -44% | $-36 |
| Stark | Geico | $25 | -42% | $-33 |
| Sterling | Geico | $25 | -42% | $-34 |
| St. Francis | Geico | $28 | -38% | $-32 |
| St. George | Geico | $25 | -39% | $-30 |
| Stilwell | Geico | $25 | -43% | $-35 |
| St. John | Geico | $25 | -44% | $-37 |
| St. Marys | Geico | $25 | -40% | $-30 |
| Stockton | Geico | $25 | -45% | $-38 |
| St. Paul | Geico | $25 | -41% | $-33 |
| Strong City | Geico | $25 | -41% | $-33 |
| Sublette | Geico | $28 | -39% | $-34 |
| Summerfield | Geico | $25 | -40% | $-31 |
| Sun City | Geico | $28 | -40% | $-35 |
| Sylvan Grove | Geico | $25 | -42% | $-34 |
| Sylvia | Geico | $25 | -43% | $-35 |
| Syracuse | Geico | $28 | -40% | $-35 |
| Talmage | Geico | $25 | -42% | $-33 |
| Tampa | Geico | $25 | -40% | $-32 |
| Tecumseh | Geico | $26 | -39% | $-31 |
| Tescott | Geico | $25 | -40% | $-31 |
| Thayer | Geico | $25 | -42% | $-34 |
| Tipton | Geico | $25 | -43% | $-35 |
| Toronto | Geico | $25 | -41% | $-33 |
| Towanda | Geico | $25 | -45% | $-38 |
| Treece | Geico | $25 | -44% | $-36 |
| Tribune | Travelers | $32 | -39% | $-32 |
| Troy | Geico | $25 | -42% | $-34 |
| Turon | Geico | $25 | -43% | $-35 |
| Tyro | Geico | $27 | -39% | $-32 |
| Udall | Geico | $25 | -44% | $-36 |
| Ulysses | Geico | $28 | -40% | $-35 |
| Uniontown | Geico | $25 | -42% | $-33 |
| Utica | Geico | $28 | -38% | $-32 |
| Valley Center | Auto Owners | $28 | -41% | $-35 |
| Valley Falls | Geico | $25 | -42% | $-34 |
| Vassar | Geico | $25 | -41% | $-33 |
| Vermillion | Geico | $25 | -39% | $-30 |
| Victoria | Geico | $25 | -42% | $-34 |
| Viola | Geico | $25 | -45% | $-38 |
| Virgil | Geico | $25 | -41% | $-33 |
| Wakarusa | Geico | $25 | -41% | $-32 |
| Wakeeney | Geico | $28 | -38% | $-33 |
| Wakefield | Geico | $25 | -40% | $-31 |
| Waldo | Geico | $25 | -43% | $-35 |
| Waldron | Geico | $28 | -38% | $-33 |
| Walker | Geico | $25 | -43% | $-35 |
| Wallace | Geico | $28 | -38% | $-32 |
| Walnut | Geico | $25 | -41% | $-32 |
| Walton | Travelers | $28 | -42% | $-32 |
| Wamego | Travelers | $28 | -41% | $-31 |
| Washington | Geico | $25 | -42% | $-34 |
| Waterville | Geico | $25 | -41% | $-32 |
| Wathena | Geico | $25 | -41% | $-32 |
| Waverly | Geico | $25 | -42% | $-33 |
| Webber | Geico | $25 | -43% | $-35 |
| Weir | Geico | $25 | -42% | $-34 |
| Welda | Geico | $25 | -42% | $-33 |
| Wellsville | Geico | $25 | -41% | $-32 |
| Weskan | Geico | $28 | -38% | $-32 |
| West Mineral | Geico | $25 | -42% | $-33 |
| Westmoreland | Geico | $25 | -39% | $-30 |
| Westphalia | Geico | $25 | -41% | $-32 |
| Wetmore | Geico | $25 | -40% | $-30 |
| White City | Geico | $25 | -40% | $-31 |
| White Cloud | Geico | $25 | -40% | $-31 |
| Whitewater | Geico | $25 | -42% | $-34 |
| Whiting | Geico | $25 | -39% | $-30 |
| Williamsburg | Geico | $25 | -41% | $-33 |
| Wilmore | Geico | $28 | -40% | $-36 |
| Wilsey | Geico | $25 | -40% | $-31 |
| Wilson | Geico | $25 | -44% | $-36 |
| Winchester | Geico | $25 | -43% | $-35 |
| Windom | Geico | $25 | -40% | $-30 |
| Winona | Geico | $28 | -37% | $-32 |
| Woodbine | Geico | $25 | -40% | $-31 |
| Woodston | Geico | $25 | -44% | $-37 |
| Wright | Geico | $28 | -40% | $-36 |
| Yates Center | Geico | $25 | -41% | $-32 |
| Zenda | Geico | $25 | -45% | $-38 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Kansas by Driver Age Group
We analyzed car insurance rates across Kansas for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Travelers, starting at $66 per month
- Adult drivers find the best deals with GEICO, with rates from $26 per month
- Senior drivers see the most affordable coverage through GEICO, beginning at $40 per month
Cheapest Car Insurance For Young Drivers in Kansas
Travelers offers the best rates for young drivers, averaging $66 per month ($786 annually) and saving about 45% compared to the state average. Auto Owners and Geico are solid alternatives, with premiums in the $80–$84 per month range.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Travelers | $66 | $786 | -45% | $-634 |
| Auto Owners | $83 | $999 | -30% | $-420 |
| Geico | $84 | $1,007 | -29% | $-413 |
| State Farm | $99 | $1,188 | -16% | $-232 |
| Farm Bureau | $103 | $1,232 | -13% | $-188 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in Kansas
For adult drivers, GEICO stands out with the cheapest rates at $26 per month ($309 annually), about 45% lower than the state average. Auto Owners and Travelers also keep costs affordable, both staying under $35 per month.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $26 | $309 | -45% | $-252 |
| Auto Owners | $31 | $376 | -33% | $-185 |
| Travelers | $34 | $407 | -27% | $-154 |
| State Farm | $38 | $455 | -19% | $-106 |
| Shelter Insurance | $42 | $508 | -9% | $-52 |
Cheapest Car Insurance For Senior Drivers in Kansas
Kansas seniors can find the lowest rates with GEICO, which averages $40 per month ($482 annually) and saves about 38% off the state average. Travelers and Shelter Insurance are also cost-effective, keeping premiums under $50 per month for seniors.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $40 | $482 | -38% | $-289 |
| Shelter Insurance | $45 | $540 | -30% | $-231 |
| Travelers | $46 | $546 | -29% | $-225 |
| State Farm | $52 | $621 | -20% | $-150 |
| Farm Bureau | $53 | $636 | -18% | $-136 |
Cheapest Car Insurance For High-Risk Drivers in Kansas
Your driving record is one of the biggest factors affecting car insurance rates in Kansas. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Kansas based on different driving records.
- Cheapest for Bad Credit: Shelter Insurance (From $86/mo)
- Cheapest With a DUI: State Farm (From $41/mo)
- Cheapest With an Accident: Travelers (From $44/mo)
- Cheapest With a Speeding Ticket: GEICO (From $31/mo)
- Cheapest With a Texting While Driving Violation: GEICO (From $31/mo)
Cheapest Car Insurance For Bad Credit in Kansas
Shelter Insurance is the most affordable choice for drivers with bad credit, averaging $86 per month ($1,033 annually) and saving 38% compared to the state average. Geico follows closely at $88 per month, with Farm Bureau and Auto Owners rounding out the cheaper options.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Shelter Insurance | $86 | $1,033 | -38% | $-630 |
| Geico | $88 | $1,055 | -37% | $-608 |
| Farm Bureau | $99 | $1,186 | -29% | $-478 |
| Auto Owners | $109 | $1,306 | -21% | $-357 |
| Dairyland | $121 | $1,457 | -12% | $-206 |
Cheapest Car Insurance With a DUI in Kansas
For drivers with a DUI, State Farm provides the lowest premiums at $41 per month ($490 annually), about 47% less than average. Travelers is the next best at $46 per month, while other insurers like Progressive and Shelter charge notably higher rates.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $41 | $490 | -47% | $-431 |
| Travelers | $46 | $547 | -41% | $-373 |
| Progressive | $55 | $659 | -28% | $-261 |
| Shelter Insurance | $61 | $728 | -21% | $-192 |
| Dairyland | $71 | $856 | -7% | $-65 |
Cheapest Car Insurance With an Accident in Kansas
After an at-fault accident, Travelers leads with rates around $44 per month ($523 annually), saving drivers 38% versus the state average. State Farm is close behind at $45 per month, making both insurers strong options for affordable post-accident coverage.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Travelers | $44 | $523 | -38% | $-317 |
| State Farm | $45 | $537 | -36% | $-302 |
| Geico | $47 | $559 | -33% | $-280 |
| Auto Owners | $47 | $569 | -32% | $-271 |
| Shelter Insurance | $63 | $754 | -10% | $-86 |
Cheapest Car Insurance With a Speeding Ticket
GEICO offers the lowest rates for Kansas drivers with a speeding ticket, averaging $31 per month or $378 per year, about 46% below the state average. Travelers and State Farm follow at $41 per month, still providing strong savings for drivers with this violation.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $31 | $378 | -46% | $-325 |
| Travelers | $41 | $489 | -30% | $-213 |
| State Farm | $41 | $490 | -30% | $-213 |
| Shelter Insurance | $45 | $540 | -23% | $-162 |
| Auto Owners | $50 | $605 | -14% | $-98 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers ticketed for texting while driving will find the cheapest rates with GEICO, at just $31 per month ($378 annually), nearly 47% below the state average. Auto Owners is the next best choice at $36 per month, offering savings of about 39% compared to typical premiums.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $31 | $378 | -47% | $-328 |
| Auto Owners | $36 | $427 | -39% | $-279 |
| Travelers | $41 | $489 | -31% | $-217 |
| State Farm | $41 | $490 | -31% | $-216 |
| Shelter Insurance | $45 | $540 | -23% | $-166 |
How to Get the Cheapest Car Insurance in Kansas
Finding the lowest-priced insurance companies is just one part of getting affordable car insurance in Kansas. These proven strategies will help you save the most on auto insurance.
- 1
Shop multiple insurers
Kansas drivers should review quotes from both national carriers and regional companies, especially in smaller towns where local insurers may be cheaper.
- 2
Understand Kansas’ no-fault system
Kansas requires 25/50/25 liability, 25/50 UM/UIM, and PIP coverage, including:
- $4,500 medical expenses per person
- $900 per month income loss (up to one year)
- $25 per day in-home services
Because PIP is required, it plays a large role in premiums.
- 3
Adjust PIP choices
Drivers in Kansas can raise or lower PIP limits. Lower limits cost less but increase medical risk; higher limits raise premiums but provide more protection.
- 4
Match coverage to state risks
Kansas faces tornadoes and hailstorms, which cause high vehicle damage claims. Comprehensive coverage protects against these events.
- 5
Leverage insurer discounts
Common discounts include telematics monitoring, bundling, good student discounts, and safe-driver rewards. Some insurers also reward drivers with multiple cars on one policy.
- 6
Maintain a strong driver profile
Credit and clean records are heavily weighted in Kansas. Building good credit can significantly reduce premiums.
- 7
Apply through KAIP if denied
The Kansas Automobile Insurance Plan (KAIP) provides access to liability coverage for drivers rejected by standard insurers.
Risks of Getting the Cheapest Car Insurance in Kansas
Kansas requires drivers to carry liability insurance with minimum coverage of 25/50/10. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $10,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Kansas, average property damage claims hit $4,825 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Kansas gets hit with severe weather that damages cars regularly. Weather-related property damage averaged $3,890 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against tornadoes and severe storms that frequently hit Kansas.
Bodily injury damage is more likely to be higher than the minimum limits
Kansas's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. Average bodily injury claims in Kansas reached $22,850 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Kansas has a serious uninsured driver problem, with 11% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Kansas, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $8,250, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Kansas
Kansas law requires drivers to carry auto insurance before operating a vehicle. The state follows a no-fault system, which means your own insurance helps cover medical expenses and other losses after an accident, regardless of fault. By law, every policy must include liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. These minimums keep you compliant, though many drivers choose higher limits for stronger financial security.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Personal Injury Protection (PIP) | $4,500 per person for medical expenses; additional benefits for rehab, lost income, and funeral costs |
Uninsured/Underinsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in Kansas: Bottom Line
GEICO offers the lowest car insurance rates in Kansas for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Kansas: FAQ
Below, we answer common questions about finding affordable car insurance in Kansas to help you get the right coverage at the best price.
What are the cheapest car insurance companies in Kansas?
GEICO provides the most affordable car insurance in Kansas, with average annual rates of $302 for minimum coverage and $849 for full coverage. Travelers, Auto-Owners, Shelter and State Farm also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Kansas?
Travelers provides the most affordable rates for young drivers in Kansas, with monthly premiums starting at $66 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Kansas?
Senior drivers in Kansas can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $46 per month for minimum coverage.
Who has the cheapest car insurance in Kansas for bad credit?
Shelter provides the most affordable rates for bad-credit drivers in Kansas, with monthly premiums averaging $91 for minimum coverage and $208 for full coverage.
Who has the cheapest car insurance in Kansas with an accident?
Travelers offers the most affordable car insurance rates for Kansas drivers with an accident history, starting at $43 per month for minimum coverage.
Who has the cheapest car insurance in Kansas with a DUI?
Travelers provides the cheapest car insurance after a DUI in Kansas, with rates of $45 monthly for minimum coverage and $110 monthly for full coverage.
Who has the cheapest car insurance in Kansas for those with a speeding ticket?
Kansas drivers with a speeding ticket can find the lowest insurance rates with GEICO, charging $31 monthly for minimum coverage and $87 for full coverage.
Should you buy the cheapest car insurance in Kansas?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Kansas.
How We Found the Most Affordable Car Insurance in Kansas
MoneyGeek collected auto insurance data from the Kansas Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Kansas.
Kansas Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Kansas
We compared car insurance companies in Kansas that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Kansas.
The minimum coverage liability limits in Kansas are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed September 17, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed September 17, 2025.
- National Centers for Environmental Information. "Climate at a Glance ." Accessed September 17, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed September 17, 2025.
