Cheapest Car Insurance in Kansas


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Key Takeaways

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The cheapest car insurance companies in Kansas for most drivers are GEICO, Travelers and Auto Owners, offering average savings of up to 43%.

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Car insurance costs can be as low as $23 for minimum coverage and $62 for full coverage policies on average in Kansas.

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To get the cheapest car insurance in Kansas, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.

Compare Auto Insurance Rates

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

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Who Has the Cheapest Car Insurance in Kansas?

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.

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 10, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
88
/of 100
$76
2
Nationwide

Nationwide

85
/of 100
$78
3
GEICO

GEICO

78
/of 100
$94
4
83
/of 100
$96
5
81
/of 100
$99
6
90
/of 100
$111
Your Next Step:

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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 DriversTravelers$66
Adult DriversGeico$26
Senior DriversTravelers$46
Drivers With An AccidentTravelers$43
Drivers With A DUITravelers$45
Drivers With A Speeding TicketGeico$31
Drivers With Bad CreditShelter Insurance$91
Drivers With Low IncomeShelter Insurance$56
Drivers With Newer CarsGeico$28
Drivers With Old CarsGeico$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.

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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:
WichitaGeico$28-45%$-42
Overland ParkGeico$27-43%$-37
Kansas CityAuto Owners$33-42%$-42
OlatheGeico$37-38%$-37
TopekaGeico$27-40%$-33
LawrenceGeico$24-44%$-35
ShawneeGeico$26-41%$-34
LenexaGeico$26-40%$-33
ManhattanGeico$23-44%$-34
SalinaGeico$26-44%$-38
HutchinsonGeico$24-45%$-37
LeavenworthGeico$24-46%$-39
LeawoodGeico$26-43%$-37
Garden CityGeico$28-41%$-36
Dodge CityGeico$28-41%$-37
DerbyGeico$23-49%$-43
EmporiaGeico$23-44%$-34
GardnerAuto Owners$26-41%$-32
Prairie VillageGeico$26-42%$-36
HaysGeico$25-43%$-35
PittsburgGeico$25-41%$-32
LiberalTravelers$33-41%$-36
NewtonTravelers$28-42%$-32
Great BendGeico$25-45%$-38
AndoverGeico$25-47%$-40
McPhersonTravelers$28-41%$-31
El DoradoGeico$25-45%$-38
WinfieldGeico$25-44%$-37
OttawaGeico$25-42%$-33
Arkansas CityGeico$25-44%$-36
AtchisonGeico$25-41%$-33
ParsonsGeico$25-42%$-34
AugustaGeico$25-45%$-38
ChanuteGeico$25-42%$-34
IndependenceGeico$27-39%$-32
Bonner SpringsGeico$25-44%$-37
Fort ScottGeico$25-40%$-32
WellingtonGeico$25-44%$-36
Spring HillGeico$25-42%$-33
TonganoxieGeico$24-44%$-37
EudoraGeico$25-41%$-32
BasehorGeico$24-44%$-36
PrattGeico$25-44%$-36
AbileneGeico$25-41%$-32
De SotoGeico$25-42%$-34
ColbyGeico$28-36%$-30
ConcordiaGeico$25-43%$-35
Baldwin CityGeico$25-41%$-32
AbbyvilleGeico$25-42%$-34
AdmireGeico$25-40%$-31
AgendaGeico$25-42%$-34
AgraGeico$25-45%$-38
AlbertGeico$25-44%$-36
AldenGeico$31-36%$-32
AlexanderGeico$25-44%$-37
AllenGeico$25-40%$-31
AlmaTravelers$28-41%$-32
AlmenaGeico$28-40%$-35
AltamontGeico$25-43%$-35
Alta VistaGeico$25-41%$-32
AltonGeico$25-42%$-34
AltoonaGeico$25-42%$-33
AmericusGeico$25-40%$-31
AndaleGeico$25-45%$-38
AnthonyGeico$28-37%$-31
ArcadiaGeico$32-35%$-31
ArgoniaGeico$25-45%$-38
ArlingtonGeico$25-42%$-34
ArmaGeico$25-41%$-32
ArnoldGeico$28-38%$-32
AshlandGeico$28-40%$-35
AssariaTravelers$28-40%$-30
AtholGeico$25-44%$-36
AtlantaGeico$25-44%$-36
AtticaGeico$28-38%$-33
AtwoodGeico$28-38%$-33
AuburnGeico$25-42%$-33
AuroraGeico$25-42%$-34
AxtellGeico$25-39%$-30
BaileyvilleGeico$25-39%$-30
BarnardGeico$25-41%$-33
BarnesGeico$25-41%$-32
BartlettGeico$25-43%$-35
Baxter SpringsGeico$25-44%$-36
BazineGeico$28-37%$-31
BeattieGeico$25-40%$-30
BeaumontGeico$25-44%$-36
BeelerTravelers$32-38%$-32
Belle PlaineGeico$25-44%$-37
BellevilleGeico$25-43%$-35
BeloitGeico$25-42%$-34
BelpreGeico$25-44%$-36
BelvueTravelers$28-41%$-31
BendenaGeico$25-41%$-33
BenedictGeico$25-42%$-34
BenningtonTravelers$29-41%$-32
BentleyGeico$25-43%$-36
BentonGeico$25-44%$-37
BernGeico$25-39%$-30
BerrytonGeico$25-42%$-33
BeverlyGeico$25-41%$-33
Bird CityGeico$28-37%$-32
BisonGeico$25-44%$-37
Blue MoundGeico$25-42%$-34
Blue RapidsGeico$25-41%$-32
Bluff CityGeico$28-37%$-31
BogueGeico$28-38%$-32
BremenGeico$25-40%$-31
BrewsterGeico$28-36%$-30
BronsonGeico$25-42%$-34
BrookvilleTravelers$29-41%$-32
BrownellTravelers$32-38%$-32
BucklinGeico$28-41%$-36
BucyrusGeico$25-42%$-33
BuffaloGeico$25-42%$-33
BuhlerGeico$24-43%$-34
Bunker HillGeico$25-44%$-36
BurdenGeico$25-44%$-36
BurdettGeico$25-44%$-36
BurdickGeico$25-40%$-31
BurlingameGeico$25-42%$-33
BurlingtonGeico$25-41%$-32
BurnsGeico$25-43%$-35
Burr OakGeico$25-44%$-36
BurrtonTravelers$28-42%$-33
BushtonGeico$25-44%$-36
ByersGeico$25-43%$-36
CaldwellGeico$25-44%$-37
CambridgeGeico$25-43%$-35
CaneyTravelers$31-40%$-33
CantonTravelers$28-40%$-30
CarbondaleGeico$25-42%$-33
CassodayGeico$25-44%$-36
CatharineGeico$25-45%$-38
Cawker CityGeico$25-43%$-35
CedarGeico$25-44%$-36
Cedar PointGeico$25-41%$-33
Cedar ValeGeico$25-42%$-34
CentervilleGeico$25-41%$-32
CentraliaGeico$25-39%$-30
ChapmanGeico$25-40%$-32
ChaseGeico$25-43%$-36
ChautauquaGeico$25-43%$-35
CheneyGeico$25-44%$-37
CherokeeGeico$25-41%$-32
CherryvaleAuto Owners$28-38%$-31
ChetopaGeico$25-44%$-36
CimarronGeico$28-40%$-35
CirclevilleGeico$25-39%$-30
ClaflinGeico$25-44%$-36
Clay CenterGeico$25-41%$-32
ClaytonGeico$28-37%$-31
Clearview CityGeico$25-45%$-38
ClearwaterGeico$25-46%$-40
CliftonGeico$25-42%$-34
ClydeGeico$25-43%$-35
CoatsGeico$25-45%$-37
CoffeyvilleGeico$27-40%$-33
ColdwaterGeico$28-40%$-35
CollyerGeico$28-38%$-33
ColonyGeico$25-41%$-33
ColumbusGeico$25-43%$-36
ColwichGeico$25-45%$-38
Conway SpringsGeico$25-44%$-37
CoolidgeGeico$28-40%$-35
CopelandGeico$28-39%$-34
CorningGeico$25-40%$-31
Cottonwood FallsGeico$25-41%$-33
Council GroveGeico$25-41%$-32
CourtlandGeico$25-43%$-35
CrestlineGeico$25-46%$-39
CubaGeico$25-42%$-34
CummingsGeico$25-41%$-33
CunninghamGeico$25-43%$-35
DamarGeico$25-45%$-38
DanvilleGeico$28-37%$-32
DearingGeico$27-39%$-33
DeerfieldGeico$28-40%$-36
DeliaGeico$25-40%$-31
DelphosGeico$25-42%$-34
DenisonGeico$25-41%$-32
DennisGeico$25-42%$-33
DentonGeico$25-40%$-31
DexterGeico$25-43%$-35
DightonGeico$28-37%$-32
DorranceGeico$25-43%$-35
DouglassGeico$25-45%$-38
DownsGeico$25-43%$-36
DresdenGeico$28-38%$-32
DurhamGeico$25-40%$-31
DwightGeico$25-40%$-31
EastonGeico$24-44%$-36
EdgertonGeico$25-41%$-33
EdnaGeico$25-43%$-35
EdsonGeico$28-37%$-31
EffinghamGeico$25-41%$-32
ElbingTravelers$28-43%$-34
Elk CityGeico$27-38%$-31
Elk FallsGeico$25-42%$-34
ElkhartGeico$28-40%$-35
EllinwoodGeico$25-44%$-37
EllisGeico$25-43%$-35
EllsworthGeico$25-44%$-36
ElmdaleGeico$25-41%$-32
ElsmoreGeico$25-41%$-33
ElwoodGeico$25-41%$-33
EmmettTravelers$28-41%$-31
EnglewoodGeico$28-40%$-35
EnsignGeico$28-40%$-35
EnterpriseGeico$25-41%$-32
ErieGeico$25-42%$-34
EsbonGeico$25-43%$-35
EskridgeGeico$25-42%$-33
EurekaGeico$25-42%$-33
EverestGeico$25-40%$-30
FairviewGeico$25-39%$-30
Fall RiverGeico$25-42%$-34
FalunTravelers$28-40%$-30
FarlingtonGeico$25-41%$-32
FlorenceGeico$25-41%$-33
FontanaGeico$25-42%$-33
FordGeico$28-40%$-36
FormosoGeico$25-43%$-35
Fort DodgeGeico$28-40%$-36
Fort LeavenworthGeico$24-45%$-38
Fort RileyTravelers$29-42%$-34
FostoriaGeico$25-42%$-33
FowlerTravelers$32-41%$-36
FrankfortGeico$25-41%$-32
FranklinGeico$25-41%$-33
FredoniaGeico$25-42%$-34
FreeportGeico$28-38%$-32
FrontenacGeico$25-41%$-33
FultonGeico$25-42%$-34
GalenaGeico$25-44%$-36
GalesburgGeico$25-41%$-33
GalvaTravelers$28-40%$-30
Garden PlainGeico$25-45%$-38
GarfieldGeico$25-44%$-36
GarlandGeico$25-41%$-33
GarnettGeico$25-42%$-34
GaylordGeico$25-43%$-36
GemGeico$28-37%$-31
GeneseoGeico$25-42%$-34
Geuda SpringsGeico$25-43%$-35
GirardGeico$25-40%$-32
GladeGeico$25-44%$-37
GlascoGeico$25-42%$-34
Glen ElderGeico$25-43%$-35
GoddardGeico$25-46%$-39
GoesselTravelers$28-43%$-34
GoffGeico$25-39%$-30
GoodlandGeico$28-37%$-31
GorhamGeico$25-43%$-35
GoveGeico$28-37%$-31
GrainfieldGeico$28-38%$-32
GrantvilleGeico$26-39%$-32
GreeleyGeico$25-42%$-34
GreenGeico$25-40%$-31
GreenleafGeico$25-42%$-33
GreensburgGeico$25-45%$-38
GreenwichGeico$25-47%$-42
GrenolaGeico$25-42%$-34
GridleyGeico$25-41%$-33
GrinnellGeico$28-37%$-31
GypsumTravelers$28-40%$-30
HaddamGeico$25-42%$-34
HalsteadTravelers$28-42%$-32
HamiltonGeico$25-41%$-32
HanoverGeico$25-42%$-34
HanstonGeico$28-40%$-36
HardtnerGeico$28-41%$-36
HarperGeico$28-37%$-31
HartfordGeico$25-42%$-34
HarveyvilleGeico$25-40%$-31
HavanaGeico$27-38%$-30
HavenGeico$25-43%$-35
HavensvilleGeico$25-39%$-30
HavilandGeico$25-44%$-36
HaysvilleGeico$28-42%$-39
HazeltonGeico$28-40%$-35
HealyTravelers$32-38%$-32
HeplerGeico$25-40%$-32
HeringtonGeico$25-40%$-31
HerndonGeico$28-38%$-33
HesstonTravelers$28-41%$-32
HiawathaGeico$25-40%$-31
HighlandGeico$25-41%$-32
Hill CityGeico$28-38%$-33
HillsboroGeico$25-41%$-32
HillsdaleGeico$25-44%$-36
HoisingtonGeico$25-44%$-37
HolcombGeico$28-40%$-36
HollenbergGeico$25-42%$-34
HoltonGeico$25-40%$-31
HolyroodGeico$25-44%$-36
HomeGeico$25-40%$-31
HopeGeico$25-40%$-31
HortonGeico$25-40%$-32
HowardGeico$25-43%$-35
HoxieGeico$28-37%$-31
HoytGeico$25-40%$-32
HudsonGeico$25-44%$-36
HugotonGeico$28-40%$-35
HumboldtGeico$25-41%$-33
HunterGeico$25-41%$-33
IngallsGeico$28-40%$-35
InmanGeico$25-39%$-30
IolaGeico$25-41%$-33
IsabelGeico$28-38%$-33
IukaGeico$25-44%$-36
JamestownGeico$25-43%$-35
JenningsGeico$28-37%$-32
JetmoreGeico$28-41%$-36
JewellGeico$25-43%$-35
Johnson CityGeico$28-40%$-35
Junction CityAuto Owners$26-42%$-33
KanopolisGeico$25-44%$-36
KanoradoGeico$28-37%$-31
KechiGeico$28-41%$-37
KendallGeico$28-40%$-35
KensingtonGeico$25-44%$-36
KincaidGeico$25-42%$-34
KingmanGeico$25-44%$-37
KinsleyGeico$25-44%$-37
KiowaGeico$28-41%$-36
KirwinGeico$25-44%$-37
KismetGeico$28-40%$-35
La CrosseGeico$25-44%$-37
LacygneGeico$25-43%$-35
La HarpeGeico$25-41%$-33
Lake CityGeico$28-40%$-35
Lake QuiviraGeico$26-41%$-34
LakinGeico$28-40%$-35
LamontGeico$25-42%$-33
LancasterGeico$25-41%$-32
LaneGeico$25-41%$-32
LansingGeico$24-45%$-37
LarnedGeico$25-45%$-38
LathamGeico$25-44%$-37
LebanonGeico$25-45%$-38
LeboGeico$25-41%$-32
LecomptonGeico$25-40%$-31
LehighGeico$25-40%$-31
LenoraGeico$28-38%$-32
LeonGeico$25-44%$-37
LeonardvilleGeico$25-40%$-31
LeotiGeico$28-37%$-31
Le RoyGeico$25-42%$-34
LevantGeico$28-36%$-30
LewisGeico$25-44%$-37
LibertyGeico$27-38%$-31
LiebenthalGeico$25-45%$-38
LincolnGeico$25-42%$-34
LincolnvilleGeico$25-41%$-32
LindsborgTravelers$28-40%$-30
LinnGeico$25-42%$-34
LinwoodGeico$24-44%$-36
Little RiverGeico$25-42%$-34
LoganGeico$25-46%$-39
LongfordGeico$25-41%$-32
Long IslandGeico$25-45%$-38
LongtonGeico$25-42%$-34
LorraineGeico$25-43%$-35
Lost SpringsGeico$25-40%$-31
LouisburgGeico$25-42%$-33
LucasGeico$25-44%$-36
LudellGeico$28-38%$-32
LurayGeico$25-43%$-35
LyndonGeico$25-42%$-33
LyonsGeico$25-43%$-35
MacksvilleGeico$25-44%$-37
MadisonGeico$25-41%$-33
MahaskaGeico$25-42%$-34
MaizeGeico$25-46%$-40
MankatoGeico$25-43%$-35
ManterGeico$28-38%$-33
Maple CityGeico$25-43%$-36
Maple HillGeico$25-41%$-32
MapletonGeico$25-42%$-34
MarienthalGeico$28-38%$-32
MarionGeico$25-40%$-31
MarquetteGeico$25-40%$-31
MarysvilleGeico$25-40%$-31
Matfield GreenGeico$25-41%$-33
MayettaGeico$25-40%$-31
MayfieldGeico$25-44%$-36
McConnell AFBGeico$25-49%$-44
Mc CrackenGeico$25-44%$-37
Mc CuneGeico$25-41%$-32
Mc DonaldGeico$28-37%$-32
Mc FarlandTravelers$28-42%$-32
Mc LouthGeico$25-43%$-34
MeadeTravelers$33-40%$-35
Medicine LodgeGeico$28-41%$-36
MelvernGeico$25-42%$-33
MeridenGeico$25-41%$-32
MilanGeico$25-44%$-36
MilfordGeico$25-41%$-32
MiltonGeico$25-43%$-35
MiltonvaleGeico$25-41%$-33
MinneapolisGeico$25-42%$-33
MinneolaGeico$28-40%$-36
MissionGeico$40-36%$-37
MolineGeico$25-43%$-35
MontezumaTravelers$33-40%$-35
MonumentGeico$28-37%$-31
MoranGeico$25-41%$-33
MorganvilleGeico$25-41%$-32
MorlandGeico$28-37%$-31
MorrillGeico$25-39%$-30
MorrowvilleGeico$25-42%$-34
MoscowGeico$28-40%$-35
Mound CityGeico$25-43%$-35
MoundridgeTravelers$29-39%$-30
Mound ValleyGeico$25-43%$-35
Mount HopeGeico$25-44%$-36
MulberryGeico$25-41%$-33
MullinvilleGeico$25-44%$-37
MulvaneGeico$25-46%$-40
MundenGeico$25-42%$-34
MurdockGeico$25-44%$-37
MuscotahGeico$25-40%$-32
NarkaGeico$25-41%$-33
NashvilleGeico$25-45%$-37
NatomaGeico$25-43%$-35
NealGeico$25-41%$-32
NekomaGeico$25-45%$-38
NeodeshaGeico$25-42%$-33
Neosho FallsGeico$25-41%$-32
Neosho RapidsGeico$25-41%$-32
Ness CityGeico$28-38%$-33
NetawakaGeico$25-39%$-29
New CambriaTravelers$29-39%$-29
New CenturyGeico$25-42%$-34
NickersonGeico$25-43%$-35
NiotazeGeico$25-43%$-35
NorcaturGeico$28-37%$-31
North NewtonTravelers$27-42%$-33
NortonGeico$28-39%$-34
NortonvilleGeico$25-42%$-34
NorwayGeico$25-44%$-37
NorwichGeico$25-45%$-37
OakleyGeico$28-36%$-30
OberlinGeico$28-38%$-33
OfferleGeico$25-45%$-37
OgallahTravelers$32-39%$-33
OgdenGeico$25-41%$-33
OketoGeico$25-39%$-30
OlmitzGeico$25-43%$-35
OlpeGeico$25-40%$-31
OlsburgGeico$25-39%$-30
OnagaGeico$25-39%$-30
OneidaGeico$25-41%$-32
OpolisGeico$25-40%$-32
Osage CityGeico$25-41%$-32
OsawatomieGeico$25-42%$-34
OsborneGeico$25-43%$-35
OskaloosaGeico$25-43%$-35
OswegoGeico$25-42%$-33
OtisGeico$25-45%$-38
OverbrookGeico$25-41%$-32
OxfordGeico$25-43%$-36
OzawkieGeico$25-43%$-35
PalcoGeico$25-45%$-38
PalmerGeico$25-42%$-33
PaolaGeico$25-42%$-33
ParadiseGeico$25-43%$-36
ParkGeico$28-37%$-31
ParkerGeico$25-42%$-34
PartridgeGeico$24-44%$-36
Pawnee RockGeico$25-44%$-36
PaxicoTravelers$28-42%$-33
PeabodyGeico$25-41%$-32
PeckGeico$25-44%$-37
PenokeeGeico$28-38%$-32
PerryGeico$25-42%$-33
PeruGeico$25-42%$-34
PfeiferGeico$25-43%$-35
PhillipsburgGeico$25-45%$-38
PiedmontGeico$25-42%$-34
PiercevilleGeico$28-40%$-35
PiquaGeico$25-41%$-32
PlainsGeico$28-40%$-35
PlainvilleGeico$25-45%$-38
PleasantonGeico$25-43%$-35
PlevnaGeico$25-43%$-35
PomonaGeico$25-42%$-34
PortisGeico$25-42%$-34
PotwinGeico$25-43%$-35
PowhattanGeico$25-39%$-29
Prairie ViewGeico$25-45%$-38
PrescottGeico$25-43%$-35
Pretty PrairieGeico$25-44%$-36
PrincetonGeico$25-41%$-33
ProtectionGeico$28-41%$-36
QuenemoGeico$25-42%$-33
QuinterGeico$28-38%$-32
RamonaGeico$25-41%$-32
RandallGeico$25-42%$-34
RandolphGeico$25-39%$-30
RansomGeico$28-38%$-32
RantoulGeico$25-41%$-33
RaymondGeico$25-43%$-35
ReadingGeico$25-40%$-31
RedfieldGeico$25-42%$-33
RepublicGeico$25-42%$-34
RexfordGeico$28-37%$-31
RichfieldGeico$28-41%$-36
RichmondGeico$25-42%$-33
RileyGeico$25-39%$-30
RivertonGeico$25-44%$-36
RobinsonGeico$25-39%$-30
RockGeico$25-43%$-36
Roeland ParkGeico$26-42%$-37
RollaGeico$28-41%$-36
RosaliaGeico$25-44%$-36
Rose HillGeico$25-45%$-39
RossvilleGeico$25-40%$-31
RoxburyGeico$25-42%$-33
RozelGeico$25-45%$-38
Rush CenterGeico$25-45%$-37
RussellGeico$25-43%$-35
SabethaGeico$25-39%$-30
SatantaGeico$28-39%$-34
SavonburgGeico$25-42%$-33
SawyerGeico$28-37%$-32
ScammonGeico$25-42%$-34
ScandiaGeico$25-42%$-34
SchoenchenGeico$25-43%$-35
Scott CityGeico$28-37%$-31
ScrantonGeico$25-42%$-33
SedanGeico$25-42%$-34
SedgwickGeico$25-41%$-33
SeldenGeico$28-37%$-32
SenecaGeico$25-39%$-30
SeveryGeico$25-42%$-34
SharonGeico$28-40%$-36
Sharon SpringsGeico$28-38%$-33
Silver LakeGeico$25-41%$-33
SimpsonGeico$25-42%$-33
Smith CenterGeico$25-44%$-37
SoldierGeico$25-39%$-30
SolomonTravelers$28-41%$-32
South HavenGeico$25-43%$-36
South HutchinsonGeico$24-45%$-38
SpearvilleGeico$28-41%$-36
SpiveyGeico$25-44%$-37
StaffordGeico$25-44%$-36
StarkGeico$25-42%$-33
SterlingGeico$25-42%$-34
St. FrancisGeico$28-38%$-32
St. GeorgeGeico$25-39%$-30
StilwellGeico$25-43%$-35
St. JohnGeico$25-44%$-37
St. MarysGeico$25-40%$-30
StocktonGeico$25-45%$-38
St. PaulGeico$25-41%$-33
Strong CityGeico$25-41%$-33
SubletteGeico$28-39%$-34
SummerfieldGeico$25-40%$-31
Sun CityGeico$28-40%$-35
Sylvan GroveGeico$25-42%$-34
SylviaGeico$25-43%$-35
SyracuseGeico$28-40%$-35
TalmageGeico$25-42%$-33
TampaGeico$25-40%$-32
TecumsehGeico$26-39%$-31
TescottGeico$25-40%$-31
ThayerGeico$25-42%$-34
TiptonGeico$25-43%$-35
TorontoGeico$25-41%$-33
TowandaGeico$25-45%$-38
TreeceGeico$25-44%$-36
TribuneTravelers$32-39%$-32
TroyGeico$25-42%$-34
TuronGeico$25-43%$-35
TyroGeico$27-39%$-32
UdallGeico$25-44%$-36
UlyssesGeico$28-40%$-35
UniontownGeico$25-42%$-33
UticaGeico$28-38%$-32
Valley CenterAuto Owners$28-41%$-35
Valley FallsGeico$25-42%$-34
VassarGeico$25-41%$-33
VermillionGeico$25-39%$-30
VictoriaGeico$25-42%$-34
ViolaGeico$25-45%$-38
VirgilGeico$25-41%$-33
WakarusaGeico$25-41%$-32
WakeeneyGeico$28-38%$-33
WakefieldGeico$25-40%$-31
WaldoGeico$25-43%$-35
WaldronGeico$28-38%$-33
WalkerGeico$25-43%$-35
WallaceGeico$28-38%$-32
WalnutGeico$25-41%$-32
WaltonTravelers$28-42%$-32
WamegoTravelers$28-41%$-31
WashingtonGeico$25-42%$-34
WatervilleGeico$25-41%$-32
WathenaGeico$25-41%$-32
WaverlyGeico$25-42%$-33
WebberGeico$25-43%$-35
WeirGeico$25-42%$-34
WeldaGeico$25-42%$-33
WellsvilleGeico$25-41%$-32
WeskanGeico$28-38%$-32
West MineralGeico$25-42%$-33
WestmorelandGeico$25-39%$-30
WestphaliaGeico$25-41%$-32
WetmoreGeico$25-40%$-30
White CityGeico$25-40%$-31
White CloudGeico$25-40%$-31
WhitewaterGeico$25-42%$-34
WhitingGeico$25-39%$-30
WilliamsburgGeico$25-41%$-33
WilmoreGeico$28-40%$-36
WilseyGeico$25-40%$-31
WilsonGeico$25-44%$-36
WinchesterGeico$25-43%$-35
WindomGeico$25-40%$-30
WinonaGeico$28-37%$-32
WoodbineGeico$25-40%$-31
WoodstonGeico$25-44%$-37
WrightGeico$28-40%$-36
Yates CenterGeico$25-41%$-32
ZendaGeico$25-45%$-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. 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. 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. 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. 4

    Match coverage to state risks

    Kansas faces tornadoes and hailstorms, which cause high vehicle damage claims. Comprehensive coverage protects against these events.

  5. 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. 6

    Maintain a strong driver profile

    Credit and clean records are heavily weighted in Kansas. Building good credit can significantly reduce premiums.

  7. 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:

    accident2 icon

    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.

    hurricane icon

    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.

    injury icon

    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.

    uninsured icon

    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.

    handcuffs2 icon

    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?

Who has the cheapest car insurance rates for young drivers in Kansas?

Who offers the cheapest car insurance rates for seniors in Kansas?

Who has the cheapest car insurance in Kansas for bad credit?

Who has the cheapest car insurance in Kansas with an accident?

Who has the cheapest car insurance in Kansas with a DUI?

Who has the cheapest car insurance in Kansas for those with a speeding ticket?

Should you buy the cheapest car insurance 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 headshot

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.


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