Best & Cheapest Car Insurance Quotes in Kansas (2026)
Travelers has the cheapest full coverage insurance rates in Kansas, at $154 per month.
Find Cheap Car Insurance Quotes in Kansas
Best cheap car insurance in KS
- Want full coverage? Travelers: $154/mo
- Only need minimum coverage? Geico: $45/mo
- Want the best service? Shelter: $201/mo
- Have a speeding ticket? State Farm: $193/mo
- Caused an accident? State Farm: $205/mo
- Need coverage for a teen? Travelers: $109/mo
- Got a DUI? Travelers: $223/mo
- Have poor credit? Geico: $230/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Kansas: Travelers
Travelers and USAA offer the cheapest full coverage car insurance in Kansas.
- Travelers has the cheapest quotes for most Kansas drivers, at $154 per month. That's $71 per month cheaper than the Kansas state average. However, Travelers' poor customer service reviews mean it might not be the best choice.
- State Farm has more reliable customer service than Travelers, so it could be a better option. At $183 per month, full coverage from State Farm is $42 per month cheaper than average.
- USAA has the cheapest overall rates in Kansas, at just $101 per month for full coverage. However, you can only get USAA insurance if you have served in the military, or if your parent or spouse has had insurance from USAA at some point in their life.
Find Cheap Car Insurance Quotes in Kansas
Best cheap full coverage car insurance in Kansas
Company | Monthly rate |
|---|---|
| Travelers | $154 |
| Geico | $161 |
| State Farm | $183 |
| Shelter | $201 |
| USAA* | $101 |
*USAA is only available to current and former military members and their families.
Data-powered research on Kansas car insurance
Cheapest liability car insurance in Kansas: Geico and Travelers
- Geico and Travelers have the cheapest liability-only insurance in Kansas, at around $45 per month. However, neither company has great customer service reviews.
- State Farm and Farm Bureau also offer cheaper-than-average rates, and they're two of the best-rated car insurance companies in Kansas. It's worth comparing quotes from all four companies to find the best policy for you.
Best cheap liability car insurance quotes in Kansas
Company | Monthly rate |
|---|---|
| Geico | $45 |
| Travelers | $45 |
| State Farm | $53 |
| Farm Bureau | $68 |
| USAA* | $27 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Kansas
Older drivers looking to save on their car insurance rates should consider a defensive driving course. You could earn a discount of between 5% and 15% on your car insurance rates in Kansas for completing a class.
Average car insurance cost in Kansas by city
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Travelers has the cheapest full coverage insurance in two-thirds of cities and towns across Kansas. That includes Wichita, Overland Park and Kansas City.
Geico has the lowest rates in the remaining third of Kansas cities, including Lawrence.
- Salina, a city in central Kansas, has the cheapest car insurance rates in the state. Drivers in Salina pay an average of $199 per month for full coverage car insurance.
- Almena, a small city near the Nebraska border, has the most expensive full coverage rates, at $259 per month.
Find Cheap Car Insurance Quotes in Kansas
Cheapest full coverage car insurance rates in KS by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Wichita | $244 | Travelers | $162 |
| Overland Park | $215 | Travelers | $150 |
| Kansas City | $253 | Travelers | $159 |
| Olathe | $208 | Travelers | $146 |
| Topeka | $213 | Travelers | $147 |
| Lawrence | $203 | Geico | $144 |
| Shawnee | $216 | Travelers | $146 |
| Lenexa | $214 | Travelers | $142 |
| Manhattan | $200 | Travelers | $132 |
| Salina | $199 | Travelers | $128 |
| Hutchinson | $216 | Travelers | $143 |
| Leavenworth | $221 | Geico | $149 |
| Leawood | $216 | Geico | $151 |
| Derby | $221 | Geico | $140 |
| Gardner | $203 | Travelers | $139 |
| Emporia | $210 | Travelers | $143 |
| Prairie Village | $218 | Travelers | $150 |
| Hays | $218 | Travelers | $139 |
| Pittsburg | $211 | Travelers | $135 |
| Abbyville | $222 | Travelers | $144 |
| Abilene | $217 | Travelers | $151 |
| Admire | $211 | Travelers | $138 |
| Agenda | $227 | Geico | $157 |
| Agra | $246 | Geico | $157 |
| Albert | $232 | Geico | $157 |
| Alden | $227 | Travelers | $149 |
| Alexander | $234 | Travelers | $149 |
| Allen | $212 | Travelers | $141 |
| Alma | $209 | Travelers | $130 |
| Almena | $259 | Travelers | $179 |
| Alta Vista | $211 | Travelers | $133 |
| Altamont | $220 | Travelers | $152 |
| Alton | $231 | Geico | $157 |
| Altoona | $222 | Geico | $157 |
| Americus | $210 | Travelers | $143 |
| Andale | $220 | Travelers | $150 |
| Andover | $224 | Travelers | $155 |
| Anthony | $230 | Travelers | $158 |
| Arcadia | $217 | Travelers | $144 |
| Argonia | $225 | Geico | $157 |
| Arkansas City | $215 | Travelers | $148 |
| Arlington | $222 | Travelers | $149 |
| Arma | $212 | Travelers | $136 |
| Arnold | $242 | Travelers | $170 |
| Ashland | $253 | Travelers | $163 |
| Assaria | $209 | Travelers | $129 |
| Atchison | $213 | Travelers | $143 |
| Athol | $240 | Geico | $157 |
| Atlanta | $221 | Travelers | $144 |
| Attica | $233 | Travelers | $160 |
| Atwood | $247 | Travelers | $188 |
| Auburn | $206 | Travelers | $141 |
Auto insurance typically costs more in cities where accidents and auto theft are more common. Severe weather can also affect your car insurance rates. You may pay more if you're in an area with frequent tornadoes, windstorms or hail.
For example, the average cost of car insurance in Kansas' largest city, Wichita, is $244 per month, which is 8% more expensive than the state average.
This is partially because of the city's dense population, which leads to more accidents. And Wichita is located in Sedgwick County, which has frequent tornadoes, windstorms and hail that can all damage vehicles.
Best car insurance in Kansas: Shelter
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Full coverage rate$201/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Customer satisfactionBestThis is based on J.D. Power's customer satisfaction survey.
-
AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Kansas based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Kansas
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest KS auto insurance after a speeding ticket: State Farm
- State Farm has the cheapest rates for Kansas drivers with a recent speeding ticket, at $193 per month for full coverage. That's about one-third cheaper than the state average after a ticket, which is $283 per month.
- Travelers also has affordable rates after a ticket, at $197 per month. But State Farm's superior customer service makes it a better choice for most people.
Best cheap car insurance rates in Kansas after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $193 |
| Travelers | $197 |
| Geico | $208 |
| Shelter | $231 |
| USAA* | $123 |
*USAA is only available to current and former military members and their families.
Auto insurance quotes in Kansas go up by an average of 26% after one speeding ticket. So drivers with a speeding ticket in Kansas pay an average of around $58 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. At around $205 per month, full coverage from State Farm is $130 per month cheaper than average.
Cheap insurance in Kansas after a crash
Company | Monthly rate |
|---|---|
| State Farm | $205 |
| Travelers | $212 |
| Shelter | $254 |
| Geico | $310 |
| USAA* | $142 |
*USAA is only available to current and former military members and their families.
The average cost of full coverage auto insurance goes up by $110 per month after an at-fault accident in Kansas. That's an increase of 49%.
Cheap auto insurance in Kansas for teens: Travelers
Travelers has the cheapest car insurance for young drivers in Kansas.
- Minimum coverage: Minimum liability coverage from Travelers costs $109 per month for an 18-year-old driver in Kansas. That's less than half the Kansas average of $228 per month. It's also $55 per month less than the second-cheapest company, Geico.
- Full coverage: At $350 per month, full coverage from Travelers is $310 per month cheaper than the state average and $230 per month cheaper than Geico.
Cheapest Kansas auto insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $109 | $350 |
| Geico | $164 | $580 |
| Farm Bureau | $177 | $686 |
| State Farm | $179 | $512 |
| USAA* | $70 | $231 |
*USAA is only available to current and former military members and their families.
Kansas teens pay about three times more for car insurance than older drivers. That's because young drivers have less experience behind the wheel, which makes 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. You can also save on your auto policy by bundling your home or renters coverage.
Cheapest for KS 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.
- Speeding: After one speeding ticket, minimum liability insurance from Travelers costs around $133 for an 18-year-old. That's half the Kansas average for teens with a ticket. It's also $58 per month less than the second-cheapest company, Geico.
- Accident: Travelers also has the cheapest quotes after an accident, at $155 per month for minimum liability coverage. That's also half the statewide average.
Cheap liability insurance in Kansas for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $133 | $155 |
| Geico | $191 | $214 |
| State Farm | $193 | $212 |
| Shelter | $222 | $264 |
| USAA* | $107 | $123 |
*USAA is only available to current and former military members and their families.
Young drivers in Kansas could see their car insurance rates go up by around 18% after their first speeding ticket, and 36% after an accident.
Cheapest auto insurance rates 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 $223 per month after a DUI, which is almost half the state average.
Most affordable auto insurance in KS after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $223 |
| Progressive | $254 |
| Shelter | $292 |
| State Farm | $356 |
| USAA* | $197 |
*USAA is only available to current and former military members and their families.
In Kansas, a DUI will raise your auto insurance rates by an average of 87%. That's $196 per month more than drivers with a clean record pay for full coverage insurance.
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: Geico
Geico has the most affordable quotes for Kansas drivers with poor credit. Full coverage from Geico costs $230 per month for people with a bad credit score. That's nearly half the Kansas state average of $440 per month.
Cheapest insurance in Kansas for poor credit
Company | Monthly rate |
|---|---|
| Geico | $230 |
| Travelers | $257 |
| Shelter | $369 |
| Progressive | $384 |
| USAA* | $181 |
*USAA is only available to current and former military members and their families.
In Kansas, drivers with bad credit pay almost twice as much for full coverage insurance as drivers with good credit. That's because car insurance companies believe people with low credit scores are more likely to make a claim in the future.
Is your car insurance company raising rates in Kansas in 2026?
Only two major companies, Liberty Mutual and Farmers, have raised rates in Kansas in 2026. A handful of companies have actually lowered their rates across the state this year.
- ↑ Biggest increase: Liberty Mutual at +1.5%
- ↓ Biggest decrease: State Farm at -7.6%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 7.6% | ↑ 19.9% |
| Travelers | ↓ 6.1% | ↑ 21.4% |
| Farm Bureau | ↓ 4.6% | ↑ 52.1% |
| American Family | ↓ 4.0% | ↑ 44.2% |
| Allstate | ↓ 2.0% | ↑ 43.3% |
| USAA | 0.0% | ↑ 16.7% |
| AAA | 0.0% | ↑ 35.4% |
| Progressive | 0.0% | ↑ 37.2% |
| Shelter | 0.0% | ↑ 49.1% |
| Geico | 0.0% | ↑ 55.9% |
| Farmers | ↑ 1.2% | ↑ 45.0% |
| Liberty Mutual | ↑ 1.5% | ↑ 25.5% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Minimum requirements for car insurance in Kansas
Kansas requires drivers to have a minimum amount of liability coverage — often written as 25/50/25 — as well as uninsured motorist coverage and personal injury protection to drive legally.
- 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
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Personal injury protection (PIP):
- $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
Kansas is a no-fault state, so all Kansas insurers provide their policyholders with basic PIP benefits. Also known as no-fault insurance, PIP provides you with the necessary medical treatment coverage and postaccident benefits, regardless of who is at fault in an accident. Most other states do not mandate no-fault benefits. These benefits include:
- Medical benefits: Up to $4,500 per person, per accident, for medical-related costs, such as an ambulance and surgeries, that you or anyone covered by your policy may need.
- Rehabilitation benefits: Up to $4,500 per person, per accident, for any postaccident rehabilitative services that you or anyone covered by your policy may need.
- Loss of income (disability benefits): Up to $900 per month limit, for as long as one year following an accident, for recovery of at least 85% of the income you would have earned if you weren't incapacitated by your injuries.
- Substitution benefits: Up to $25 per day, for as long as one year following an accident, for substitution benefits when you are also entitled to disability benefits. This covers the costs to hire someone to do the necessary and daily chores, such as housecleaning and lawn maintenance, that you otherwise would be doing for yourself and your family if you were not injured in the accident.
- Funeral benefits: Up to $2,000 of funeral and burial costs if someone in your household — in other words, someone covered by your policy — unfortunately passes away due to injuries from an accident.
- Survivor benefits: Two PIP benefits for a deceased person's beneficiaries — the deceased's lost income and the costs to find a replacement for the deceased's usual daily chores. These benefits are subject to the same conditions as the disability benefits and substitution benefits — that is, if the insured received some of these benefits, the beneficiaries will receive the remaining months, until the original year limit is reached.
Kansas motorists also have a choice to purchase additional PIP coverage. It increases the coverage amounts of a few of the no-fault benefits mentioned above. However, not all benefits have additional coverage limits, and the available amounts depend largely on your auto insurer.
For example, Geico offers policyholders a choice of five higher limits for medical, rehabilitation and loss of income benefits (which also translates into survivor's loss benefits if the deceased person had dependents). On the other hand, Progressive only offers two additional medical benefit coverage options and one for loss of income.
If you drive without insurance in Kansas, you can be charged with a misdemeanor. Fines range from $300 to $2,500, depending on how many times you've been caught driving uninsured. Penalties include suspension of your license and registration and can also include imprisonment.
Potential fines and penalties for driving without insurance in KansasFirst offense:
- Fine: $300 to $1,000
- Imprisonment: Up to six months in jail, or a combination of a fine and jail time
- Driving privileges: Suspension of license and registration until proof of insurance has been filed with the director
- Reinstatement requirements: $100 fee and file an SR-22 certificate
Second offense:
- Fine: $800 to $2,500
- Imprisonment: Up to six months in jail, or a combination of a fine and jail time
- Driving privileges: Suspension of license and registration until proof of insurance has been filed with the director
- Reinstatement requirements: $100 fee, or $300 if the violation is within a year of a previous one, and file an SR-22 certificate
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 includes comprehensive and collision coverages. These coverages pay for damage to your car due to a crash, hail, vandalism and other events, regardless of whose fault it is.
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 is worth more than $5,000.
A minimum liability policy doesn't include any protection for your car. You'll have to pay for your own repairs if you cause a crash.
And, although Kansas has higher minimum requirements than many other states, minimum liability coverage may not be enough to fully cover the cost of a serious accident.
For example, if you hit and total a brand-new SUV, it's unlikely that $25,000 of property damage liability coverage will be enough to fully cover the cost to replace it.
Frequently asked questions
Who has the cheapest auto insurance in Kansas?
Travelers has the cheapest full coverage insurance quotes in Kansas in 2026, at $154 per month. Geico and Travelers have the most affordable minimum liability rates, at $45 per month.
How much is car insurance in Kansas per month?
The average cost of insurance in Kansas is $225 per month for a full coverage policy. The average cost for minimum liability coverage is $72 per month.
How much is auto insurance in Topeka, KS?
Full coverage car insurance in Topeka costs an average of $213 per month. That's 5% less than the Kansas state average. In comparison, car insurance in Kansas City, Kansas, costs around $253 per month, which is 13% higher than the state average.
Is insurance expensive in Kansas?
Full coverage car insurance in Kansas is 8% more expensive than the national average, at $225 per month. However, minimum liability coverage in Kansas costs 5% less than the national average, at $72 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 2018 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: $50,000 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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Kansas Department of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
