We reviewed all of the top auto insurance companies in Kansas and found that State Farm has the best rates for drivers with a minimum coverage rate of $379 per year.
Auto insurance rates in Kansas differ greatly based on where drivers live. We looked at local auto insurance quotes across the state to determine which companies had the best car insurance rates.
To get your best rate in Kansas, you should compare quotes from several car insurance companies. Enter your ZIP code above for a list of auto insurers near you with the cheapest quotes.
Cheapest auto insurance in Kansas: State Farm
State Farm is the cheapest car insurance company for minimum liability, according to our rate analysis. A minimum policy is one that only meets state requirements, and it is the cheapest form of insurance you can get.
Premiums from State Farm average $379 per year across the quotes we considered. Furthermore, the cost of State Farm car insurance in Kansas is 35% cheaper than the average cost of minimum liability coverage.
Compare Car Insurance Rates in Kansas
Below are all seven Kansas auto insurers included in our study. We've displayed minimum coverage insurance quotes from each company from lowest to highest annual rate.
Minimum coverage car insurance policies only meet Kansas state law's minimum coverage requirements. Unlike full coverage car insurance, minimum coverage doesn't include comprehensive and collision coverage, which cover the cost of damage to your car in scenarios where another driver isn't liable for the damage.
While a minimum coverage auto insurance policy is cheaper, lower coverage limits may put you at risk of insufficient protection in the event of a car accident.
Your auto insurance quotes will differ depending upon where you live and your driving record, among other factors. We recommend you comparison shop to ensure you find the best rates for car insurance in Kansas.
Cheapest company for full coverage: State Farm
The average cost of full coverage auto insurance in Kansas is $2,043 per year, or $170 per month, but drivers could find cheaper rates by comparing car insurance companies.
For cheap full-coverage insurance in Kansas, we recommend State Farm for most people. However, other cheap companies include American Family and Progressive, which are below the statewide average for a full coverage auto insurance policy.
|American Family Mutual||$1,737||$145|
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 would like to ensure your car is covered against crashes into fixed structures or other vehicles. Full coverage car insurance protects you regardless of who was at fault.
Cheap car insurance for drivers with prior incidents
Usually, if a driver has received a citation for a traffic violation, received a DUI (driving under the influence) citation or been in an at-fault accident, the average cost of car insurance will be greater for that driver. With this in mind, we found the cheapest full coverage car insurance for drivers who:
Find Cheap Auto Insurance Quotes in Kansas
Cheapest for drivers with an accident: State Farm
For individuals that have been in an at-fault accident, we found in our research that State Farm offered the cheapest rates after such an event. In fact, the company is 11% cheaper than the next closest competitor, American Family.
Overall, the average cost of a full coverage auto insurance policy after an at-fault accident is $2,767. This means that due to an at-fault accident, a driver in Kansas could expect their premiums to increase by $724 on average.
Cheapest car insurance for people with a speeding ticket: State Farm
Individuals with a speeding ticket can expect their average cost of auto insurance to be $2,404 in Kansas. However, for those looking for cheap full coverage, we recommend going with State Farm, as it has the cheapest rates in the state at $1,611. When compared to the average cost, State Farm's policy is $793 cheaper.
Cheapest car insurance for drivers with a DUI: State Farm
In Kansas, getting a DUI can result in your auto insurance premiums increasing by 46%, or $931 on average. We found that drivers with a DUI could get the cheapest rates on average by going with State Farm. The average cost of State Farm is $1,611, which is $126 cheaper than the next closest competitor, American Family.
Cheapest car insurance for drivers with poor credit: State Farm
Credit scores are another factor that auto insurance companies use to set your rates. In general, individuals with lower credit scores experience higher auto insurance premiums when compared to people with average or good scores. In Kansas, individuals with poor credit can find the cheapest full coverage auto insurance with State Farm at $2,334.
Cheapest car insurance for married drivers: Progressive
Married drivers can find savings when shopping for car insurance. Specifically, in Kansas, a married individual can save $103 on average for a full coverage policy. For cheap full coverage, we suggest that you look at Progressive, whose rates are $44 cheaper than State Farm's.
Cheapest car insurance for young drivers: American Family
The average cost of car insurance for young drivers in Kansas is $5,352, which is about $3,309 more expensive than it is for older drivers. For cheap auto insurance, a young driver should choose American Family for full coverage. However, for a minimum coverage plan, young drivers would find the cheapest rates with Farm Bureau.
USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one accident: American Family
Having an accident will almost always cause your car insurance premiums to increase when you go to renew. For young individuals with a prior accident, American Family is the best cheap car insurance option with an average cost in Kansas of $3,967 for a full coverage plan. In fact, this is the cheapest by a large margin — the next closest option would be State Farm, which has a premium that is $967 more expensive.
Cheapest for young drivers with one speeding ticket: American Family
As with other young-driver coverage, the best cheap option for a young driver with a speeding ticket is American Family, which has an annual cost of $3,765. In general, a speeding ticket for a young driver would increase their auto insurance premium by $771 per year.
Best auto insurance companies in Kansas
The best insurers in Kansas are USAA, American Family and State Farm when considering their customer service and claim satisfaction ratings from our survey of current customers.
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
|2||American Family (AmFam)||86%||50%|
Overall rank takes both claim satisfaction and customer service rankings into account.
Another company we like is Progressive, with an NAIC complaint index score of 0.60, which is slightly below the national average. In general, all the companies we looked at had a financial strength rating from AM Best of A or better, meaning AM Best believes they have an "Excellent" or "Superior" ability to pay out claims.
NAIC complaint index (lower is better)
J.D. Power claims satisfaction score (higher is better)
AM Best financial strength rating
Average car insurance cost in Kansas by city
Typically, auto coverage costs are greater in large cities, where accidents and auto theft are more common. In Kansas, auto insurance premiums for full coverage can vary by over $545 depending on where you live.
Average annual cost
Percentage difference from average
Kansas rate changes by company
In Kansas, auto insurance providers decreased their premiums by 1.6% in 2020, breaking the streak of increased premium rates from previous years. State Farm shows the most significant decrease in premiums, with rates down by 11.2% compared to 2019. However, other insurance providers in Kansas decided to increase their rates in 2020: Geico and Iowa Farm Bureau, for example, increased their premium rates by 5.7% and 4.1%, respectively.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
|Iowa Farm Bureau||$146.6||0.9%||4.1%|
Minimum requirements for auto insurance coverage in Kansas
Kansas requires drivers to have a minimum amount of liability coverage in their auto insurance policies.
|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'd recommend increasing the limits to match how much your assets are worth. Your insurer will only cover you up to the stated limits, which could leave you financially vulnerable after an expensive car accident.
Recap of the cheapest auto insurance in Kansas
- Minimum coverage: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Very good credit history: State Farm
- Married couples: Progressive
- Young drivers: American Family
- Young drivers with one accident: American Family
- Young drivers with a speeding ticket: American Family
We collected thousands of rates from ZIP codes across Kansas for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|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, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated 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.