Best & Cheapest Car Insurance Quotes in Kansas (2023)
Best & Cheapest Car Insurance Quotes in Kansas (2023)
State Farm has the best rates for drivers, with a minimum coverage rate of $23 per month.
Best cheap car insurance companies in Kansas
To establish the best cheap car insurance in Kansas, our editorial team compared quotes from top auto insurance companies across each ZIP code in Kansas. Quotes for minimum coverage meet Kansas' state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 per accident and $20,000 in property damage protection. Full coverage quotes include higher liability limits than the state minimums, in addition to comprehensive and collision coverage.
We also ranked the best car insurance companies in Kansas based on customer service reviews, coverage availability, affordability for different drivers and convenience.
Cheapest auto insurance in Kansas: State Farm
State Farm is the cheapest car insurance company for minimum liability quotes in Kansas, with rates 46% cheaper than the state average.
Compare Car Insurance Rates in Kansas
Cheapest car insurance in Kansas
Company | Monthly rate | |
|---|---|---|
| State Farm | $23 |
| Progressive | $29 |
| Farm Bureau | $32 |
| Nationwide | $35 |
| American Family | $36 |
*USAA is only available to current and former military members and their families.
Minimum coverage car insurance policies only meet Kansas minimum coverage requirements. Unlike full coverage, minimum coverage doesn't include comprehensive and collision coverage, which covers the cost of damage to your car when another driver isn't liable for the damage.
A minimum policy only meets state requirements and is the cheapest insurance you can get. While a minimum coverage auto insurance policy is cheaper, lower coverage limits may mean you'll have to pay the full cost of damage to your vehicle after a car accident.
Factors like where you live and your driving record affect the quotes you receive. We recommend comparison shopping to ensure you find the best quotes for car insurance in Kansas.
Cheapest car insurance quotes for full coverage: State Farm
State Farm's typical rate for full coverage insurance was just $87 per month — 37% cheaper than the average cost in Kansas of $138 per month.
For cheap full-coverage insurance in Kansas, we recommend State Farm for most drivers. However, other cheap companies include American Family and Farm Bureau.
Cheapest KS full coverage quotes
Company | Monthly rate |
|---|---|
| State Farm | $87 |
| Progressive | $122 |
| Nationwide | $129 |
| American Family | $130 |
| Farm Bureau | $132 |
*USAA is only available to current and former military members and their families.
Full coverage car insurance includes comprehensive and collision coverage, which protect drivers against damage to their vehicle. You might purchase a full coverage policy if you can't afford to pay for damage to your car after a crash, or would just like to ensure your car is covered against crashes into other vehicles or objects. Full coverage car insurance protects you regardless of who was at fault.
Cheap car insurance for drivers with prior incidents
If you've recently received a traffic citation, been at fault in a crash or have low credit, you will likely pay more for car insurance. That makes finding a great deal even more important.
Find Cheap Auto Insurance Quotes in Kansas
Cheapest car insurance for people with a speeding ticket: State Farm
State Farm has the cheapest rates in the state at $91 per month — 44% cheaper than the state average.
Overall, individuals with a speeding ticket can expect their average cost of auto insurance to be $162 per month in Kansas.
Company | Monthly rate |
|---|---|
| State Farm | $91 |
| American Family | $130 |
| Progressive | $152 |
| Nationwide | $157 |
| Farm Bureau | $166 |
Cheapest quotes for drivers after an accident: State Farm
State Farm offers the cheapest rates for drivers after they are at fault in an accident. The company charges an average of just $97 for full coverage.
Overall, the average cost of a full coverage auto insurance policy after an accident is $197, an increase of 42% compared to a driver with a clean record.
Company | Monthly rate |
|---|---|
| State Farm | $97 |
| American Family | $148 |
| Progressive | $190 |
| Farm Bureau | $200 |
| Nationwide | $204 |
Cheapest car insurance for drivers with a DUI: American Family
Drivers with a DUI in Kansas could get the cheapest rates from American Family, where we found an average price of $140 per month. Progressive comes in second at $134 per month. In Kansas, getting a DUI can increase your auto insurance premiums by 64%, to an average of $208 per month.
Company | Monthly rate |
|---|---|
| American Family | $130 |
| Progressive | $134 |
| State Farm | $239 |
| Nationwide | $264 |
| Allstate | $267 |
Cheapest car insurance for drivers with poor credit: Nationwide
In Kansas, individuals with poor credit can find the cheapest full coverage auto insurance with Nationwide at $186 per month.
Credit scores are a factor auto insurance companies use to set your rates. Car insurance companies often set rates higher for people with bad credit because credit score correlates with the likelihood of filing a claim.
Cheapest KS car insurance companies for poor credit
Company | Monthly rate |
|---|---|
| Nationwide | $186 |
| Progressive | $208 |
| State Farm | $213 |
| American Family | $231 |
| Farm Bureau | $244 |
Cheapest car insurance for young drivers: State Farm
For cheap auto insurance, a young driver in Kansas should choose State Farm, which offered the best rates for both state minimum and full coverage. The average cost of car insurance for 18-year-old drivers in Kansas is $136 per month for minimum coverage.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $77 | $234 |
| Farm Bureau | $85 | $308 |
| American Family | $102 | $282 |
| Nationwide | $109 | $353 |
| Progressive | $155 | $561 |
Cheapest quotes for young drivers with a speeding ticket: State Farm
As with other young-driver coverage, the best cheap option for a young driver with a speeding ticket is State Farm, which has a monthly cost of $83. In general, a speeding ticket for a young driver would increase their auto insurance premium by an average of $19 per month.
Company | Monthly rate |
|---|---|
| State Farm | $83 |
| American Family | $102 |
| Farm Bureau | $111 |
| Nationwide | $118 |
| Progressive | $164 |
Cheapest companies for young drivers after an accident: State Farm
For teen drivers with a prior accident, State Farm has the best cheap car insurance quotes in Kansas, with an average cost of $90 per month for a minimum coverage policy. Having an accident will almost always increase your car insurance premiums the next time you renew.
Company | Monthly rate |
|---|---|
| State Farm | $90 |
| American Family | $120 |
| Nationwide | $121 |
| Farm Bureau | $138 |
| Progressive | $181 |
Cheapest car insurance quotes for married drivers: State Farm
The cheapest insurer for married drivers in Kansas is State Farm, even though it doesn't offer a discount for married drivers.
Company | Monthly rate per car |
|---|---|
| State Farm | $87 |
| Progressive | $99 |
| Nationwide | $116 |
| American Family | $130 |
| Farm Bureau | $133 |
Married drivers can find savings when shopping for car insurance because insurance companies have found they are less likely to make car insurance claims. In Kansas, a married driver can save about 5% per year on average for a full coverage policy.
Best car insurance companies in Kansas
The best insurance companies in Kansas are USAA, Farm Bureau and State Farm, when considering their customer service and claim satisfaction ratings.
USAA is particularly renowned for its reliable customer service and affordable quotes. However, it's only available to people who have served in the military and their families. State Farm and Kansas Farm Bureau are great options too, and both are available to all Kansas drivers.
Best KS auto insurance
Company |
Editor's rating.
|
JD Power.
|
AM Best.
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Nationwide | 815 | A+ | |
| American Family | 838 | A |
Average car insurance cost in Kansas by city
The Kansas city with the cheapest coverage is Gardner, at $123 per month for full coverage, and the most expensive is Wright, at $159 per month.
Typically auto coverage costs are higher in cities where accidents and auto theft are more common. In Kansas, auto insurance premiums for full coverage can vary by up to 30% depending on where you live.
City | Monthly cost | % from average |
|---|---|---|
| Abbyville | $137 | -1% |
| Abilene | $133 | -4% |
| Admire | $133 | -4% |
| Agenda | $142 | 2% |
| Agra | $147 | 6% |
Minimum requirements for auto insurance coverage in Kansas
Kansas requires drivers to have a minimum amount of liability coverage in their auto insurance policies. The limits for bodily injury and property damage coverage are often written as 25/50/25.
Coverage | Limit |
|---|---|
| Bodily injury (BI) | $25,000 per person and $50,000 per accident |
| Property damage (PD) | $25,000 per accident |
| Uninsured motorist bodily injury (UMBI) | $25,000 per person and $50,000 per accident |
It should be noted that even though these are the lowest coverage limits you can get, we recommend increasing the limits. Your insurer will only cover you up to the stated limits, which could leave you financially vulnerable after an expensive car accident.
Frequently asked questions
What's the cheapest car insurance company in Kansas?
State Farm has the best car insurance quotes for Kansas drivers, with quotes averaging $23 per month for state minimum coverage, and $87 per month for full coverage.
How much is car insurance in Kansas?
The average cost of insurance in Kansas is $498 per year, or $41 per month, for a state minimum policy. The average cost for full coverage is $1,659 per year, or $138 per month.
How much insurance is required in Kansas?
To drive in Kansas, you need at least $25,000 per person and $50,000 per accident of bodily injury coverage, $25,000 of property damage coverage and $25,000 per person and $50,000 per accident of uninsured motorist coverage.
Methodology
We collected thousands of rates from ZIP codes across Kansas for seven of the largest insurers in the state. We used a male 30-year-old sample driver with average credit who drives a 2015 Honda Civic EX.
The base policy for the study was a full-coverage policy with the following limits:
Coverage | Limit |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we quoted a policy with the minimum required limits in Kansas.
For other rate analyses (age, credit score, accident history and marriage status), the base policy was changed to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.