Best & Cheapest Car Insurance Quotes in Kansas (2025)
Travelers has the cheapest and best full coverage insurance rates in Kansas, at $117 per month.
Find Cheap Auto Insurance Quotes in Kansas
Best cheap car insurance companies in Kansas
How we chose the top companies
Best and cheapest car insurance in Kansas
- Cheapest full coverage: Travelers, $117/mo
- Cheapest minimum liability: Progressive, $39/mo
- Cheapest for young drivers: Travelers, $109/mo
- Cheapest after a ticket: State Farm, $140/mo
- Cheapest after an accident: State Farm, $150/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Travelers, $133/mo
- Cheapest after a DUI: Travelers, $169/mo
- Cheapest for poor credit: Travelers, $197/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Geico offer the best mix of affordable rates and reliable customer service in Kansas.
Most of the top companies in Kansas offer online quotes. So it's easy to compare rates from multiple companies to find the best price for you. However, you'll have to work with an insurance agent to get a quote from Farm Bureau.
Cheapest car insurance in Kansas: Travelers
Travelers has the best cheap full coverage insurance in Kansas.
A full coverage policy from Travelers costs around $117 per month, which is one-third less than average. The average cost of car insurance in Kansas is $175 per month for full coverage.
Compare Car Insurance Rates in Kansas
Kansas drivers with military ties can find even cheaper rates at USAA. Full coverage from USAA costs just $90 per month, which is about half the average price in Kansas.
However, you're only eligible if you have served in the military, or if your parent or spouse has had insurance from USAA at some point in their lives.
Best cheap full coverage auto insurance in Kansas
Company | Monthly rate | |
|---|---|---|
| Travelers | $117 |
| State Farm | $134 |
| Geico | $155 |
| Shelter | $160 |
| Progressive | $164 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Kansas: Progressive
Progressive has the best cheap liability insurance in Kansas.
Minimum coverage from Progressive costs just $39 per month, which is 31% cheaper than average in Kansas. The average cost of minimum liability insurance in Kansas is $57 per month.
There are lots of affordable options for minimum coverage in Kansas. State Farm, Travelers, Farm Bureau and American Family all offer minimum coverage for monthly rates that are within $10 of Progressive.
State Farm and Farm Bureau are particularly worth a look, as they are two of the best car insurance companies in Kansas. Each has dependable customer service and quick claim payouts.
Best cheap liability insurance in Kansas
Company | Monthly rate |
|---|---|
| Progressive | $39 |
| State Farm | $42 |
| Travelers | $44 |
| Farm Bureau | $45 |
| American Family | $49 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Kansas
Best cheap insurance in Kansas for teens: Travelers
Travelers has the cheapest minimum coverage insurance for young drivers.
Minimum coverage from Travelers costs $109 per month for an 18-year-old driver in Kansas. That's 38% cheaper than the Kansas average of $177 per month.
Travelers' full coverage is also the cheapest for most teens. At $278 per month, its prices are 43% cheaper than the state average. The average cost of full coverage insurance for an 18-year-old in Kansas is $491 per month.
Cheapest Kansas car insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $109 | $278 |
| Farm Bureau | $118 | $502 |
| American Family | $142 | $372 |
| State Farm | $143 | $374 |
| Shelter | $148 | $405 |
*USAA is only available to current and former military members and their families.
Kansas teens pay an average of three times as much for car insurance compared to 30-year-old drivers across the state. That's because young drivers have less experience behind the wheel, which makes many of them more likely to cause an accident.
The best way for young drivers in Kansas to save money is by sharing a car insurance policy with their parents.
Best car insurance in KS after a speeding ticket: State Farm
State Farm has the cheapest rates for Kansas drivers with a recent speeding ticket on their record, at $140 per month for full coverage. That's about one-third cheaper than the state average after a ticket, which is $206 per month.
Company | Monthly rate |
|---|---|
| State Farm | $140 |
| Travelers | $149 |
| Shelter | $163 |
| American Family | $170 |
| Geico | $201 |
*USAA is only available to current and former military members and their families.
Auto insurance quotes in Kansas go up by an average of 18% after a single speeding ticket. So drivers with a speeding ticket in Kansas pay around $31 more per month for full coverage than those with a clean record.
Cheapest quotes after an accident in Kansas: State Farm
State Farm has the cheapest rates for drivers in Kansas after they cause an accident. The company charges around $150 per month for full coverage, which is 41% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $150 |
| Travelers | $160 |
| American Family | $194 |
| Shelter | $203 |
| Progressive | $251 |
*USAA is only available to current and former military members and their families.
The average cost of a full coverage auto insurance policy goes up by 44% after an at-fault accident in Kansas.
However, not all companies raise rates by the same amount. State Farm and American Family raise rates by less than 15%, while Allstate, Progressive and Geico all increase rates by over 50%.
Cheapest for teens with a speeding ticket or accident: Travelers
Travelers has the cheapest auto insurance quotes in Kansas for teen drivers with a speeding ticket or accident on their record.
After one speeding ticket, Travelers costs $133 for an 18-year-old's minimum coverage policy. That's 34% cheaper than average.
Travelers also has the cheapest quotes after an at-fault accident, at $150 per month for minimum coverage.
Teen drivers in Kansas should also compare quotes from American Family after a ticket or accident. American Family sometimes doesn't increase rates for young drivers after a single speeding ticket. A minimum coverage policy costs around $142 per month, or 30% cheaper than average.
Minimum coverage quotes for KS teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $133 | $150 |
| American Family | $142 | $165 |
| Shelter | $153 | $213 |
| Farm Bureau | $153 | $191 |
| State Farm | $155 | $170 |
*USAA is only available to current and former military members and their families.
Young drivers in Kansas can expect their car insurance rates to go up by around 14% after a single speeding ticket, and 39% after an accident.
Cheapest auto insurance in Kansas after a DUI: Travelers
Travelers has the most affordable quotes in Kansas for drivers with a DUI. A full coverage policy from Travelers costs $169 per month after a DUI, which is 43% cheaper than average.
American Family also has an affordable rate, at just $1 more per month than Travelers. The company also has lots of good coverage options available to add to your policy.
Company | Monthly rate |
|---|---|
| Travelers | $169 |
| American Family | $170 |
| Progressive | $179 |
| Shelter | $234 |
| State Farm | $240 |
*USAA is only available to current and former military members and their families.
In Kansas, getting a DUI can increase your auto insurance rate to an average of $298 per month for full coverage. Kansas drivers may also need an SR-22 filing after a DUI, which typically costs between $15 and $50.
Best auto insurance in Kansas for poor credit: Travelers
Travelers has the most affordable quotes for Kansas drivers with poor credit. Full coverage from Travelers costs $197 per month for these drivers. That's 42% cheaper than the Kansas state average, which is $343 per month.
Cheapest Kansas car insurance companies for poor credit
Company | Monthly rate |
|---|---|
| Travelers | $197 |
| Geico | $222 |
| Progressive | $270 |
| Shelter | $294 |
| American Family | $303 |
*USAA is only available to current and former military members and their families.
In Kansas, drivers with bad credit pay twice as much for full coverage insurance as those with good credit. That's because car insurance companies consider people with low credit scores more likely to make a claim in the future.
Best car insurance in Kansas
The best insurance companies in Kansas are USAA, State Farm and Farm Bureau, based on their reliable customer service and affordable rates.
USAA has the best customer service scores in Kansas, along with the cheapest quotes for most eligible drivers. However, it's only available to people who have served in the military and their families.
State Farm and Farm Bureau are great options, too, and both are available to all Kansas drivers.
Best Kansas auto insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Farm Bureau | 673 | A | |
| Shelter | 678 | A | |
| Geico | 637 | A++ |
Average car insurance cost in Kansas by city
Drivers who live in Salina pay the cheapest car insurance rates in Kansas, at $152 per month for full coverage.
The most expensive full coverage rates are in Jetmore, a small town on the western side of the state, where a policy costs $197 per month.
Full coverage car insurance rates in Kansas by city
City | Monthly rate | % from average |
|---|---|---|
| Abbyville | $173 | 0% |
| Abilene | $163 | -6% |
| Admire | $164 | -5% |
| Agenda | $171 | -1% |
| Agra | $184 | 6% |
Auto insurance typically costs more in cities where accidents and auto theft are more common.
For example, the average cost of car insurance in Kansas' largest city, Wichita, is $184 per month, which is 6% more expensive than the state average.
In addition, severe weather can affect your car insurance rates. You may pay more if you're in an area that has frequent tornadoes, windstorms or hail.
Minimum requirements for car insurance in Kansas
Kansas requires drivers to have a minimum amount of liability coverage to drive legally. The limits for bodily injury and property damage coverage are often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
-
Personal injury protection:
- $4,500 per person for medical expenses
- $900 per month for one year for loss of income
- $25 per day for in-home services
- $2,000 for funeral expenses
- $4,500 for rehab expenses
Although the minimum requirements in Kansas are broader than in other states, you don't have to worry about whether your policy has enough coverage.
Insurance companies won't sell you a policy with coverage lower than the legal limit. So as long as your policy is for a Kansas address, you'll have enough coverage to drive legally.
What's the best car insurance coverage for Kansas drivers?
Most drivers should consider getting a full coverage policy.
Full coverage provides the most protection because it pays to fix your car if it's damaged, as well as covering medical bills due to a crash and money you owe to another person after you're at fault in an accident.
Full coverage includes comprehensive and collision coverages. These coverages pay for damage to your car due to a crash, hail, vandalism and other events, regardless of who causes the damage.
Full coverage car insurance in Kansas costs $118 per month more than a minimum coverage policy, on average.
If you have a car loan or lease, your lender will likely require you to have full coverage insurance. You should also consider having comprehensive and collision coverages if your car is less than 8 years old or worth more than $5,000.
A minimum liability policy only meets Kansas state requirements for coverage and is the cheapest insurance you can get. However, lower coverage limits mean you may have to cover some of the cost of damage or injuries if you cause a serious accident.
In addition, minimum coverage doesn't include any protection for your car. You'll have to pay for your own repairs if you cause a crash.
Frequently asked questions
Who has the cheapest auto insurance in Kansas?
Travelers has the cheapest full coverage insurance quotes in Kansas, at $117 per month. Progressive has the most affordable minimum liability rates, at $39 per month.
How much is car insurance in Kansas per month?
The average cost of insurance in Kansas is $175 per month for a full coverage policy. The average cost for minimum coverage is $57 per month.
What is the minimum insurance in Kansas?
To drive legally in Kansas, you need at least $25,000 per person and $50,000 per accident of bodily injury coverage, along with matching levels of uninsured and underinsured motorist coverage. You'll also need personal injury protection (PIP) and $25,000 of property damage coverage. PIP also includes coverage for loss of income, in-home services, rehab and funeral expenses.
Is insurance so expensive in Kansas?
Car insurance in Kansas is close to the national average. Full coverage in Kansas is $175 per month, which is the same as average price across the country. Minimum-liability coverage in Kansas costs 18% less than the national average, $57 per month.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Kansas for the largest insurance companies in the state. Quotes are for a 30-year-old single man with good credit who drives a 2015 Honda Civic EX.
Full coverage rates include comprehensive and collision coverage, along with higher liability limits than required in Kansas.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
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.
