Who Has the Cheapest Car Insurance Quotes in Kansas? (2022)
Who Has the Cheapest Car Insurance Quotes in Kansas? (2022)
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 $356 per year.
Find Cheap Auto Insurance Quotes in Kansas
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 the state. 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 35% cheaper than the state average.
Compare Car Insurance Rates in Kansas
Company | Monthly rate | |
|---|---|---|
| State Farm | $30 |
| Farm Bureau | $34 |
| American Family | $38 |
| Progressive | $48 |
| Allstate | $67 |
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 it 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 out of pocket for damage 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
The average cost of full coverage auto insurance in Kansas is $1,759 per year, or $147 per month. But State Farm's typical rate was just $1,157 — $602 cheaper.
For cheap full-coverage insurance in Kansas, we recommend State Farm for most drivers. However, other cheap companies include American Family and Farm Bureau.
Company | Monthly rate |
|---|---|
| State Farm | $96 |
| American Family | $137 |
| Farm Bureau | $140 |
| Progressive | $154 |
| Allstate | $196 |
| Farmers | $226 |
| USAA | $78 |
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 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
If a driver has received a traffic citation, received a DUI (driving under the influence) citation or been in an at-fault accident, they pay higher rates. State Farm has the cheapest full coverage car insurance for drivers with previous incidents on their driving record.
Find Cheap Auto Insurance Quotes in Kansas
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. It has the cheapest rates in the state at $1,237, 40% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $103 |
| American Family | $137 |
| Farm Bureau | $176 |
| Progressive | $190 |
| Allstate | $216 |
| Farmers | $287 |
| USAA | $95 |
*USAA is only available to current and former military members and their families.
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 $1,316 for full coverage.
Overall, the average cost of a full coverage auto insurance policy after an accident is $2,401, an increase of 36% on average.
Company | Monthly rate |
|---|---|
| State Farm | $110 |
| American Family | $153 |
| Farm Bureau | $212 |
| Progressive | $236 |
| Allstate | $274 |
| Farmers | $306 |
| USAA | $109 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: American Family
In Kansas, getting a DUI can result in your auto insurance premiums increasing by 57%, to an average of $2,757 per year. Drivers with a DUI could get the cheapest rates from American Family. The average cost of American Family DUI insurance is $1,639 per year, which is nearly $300 cheaper than the next closest competitor, Progressive, at $1,965 per year.
Company | Monthly rate |
|---|---|
| American Family | $137 |
| Progressive | $164 |
| State Farm | $247 |
| Allstate | $252 |
| Farmers | $295 |
| Farm Bureau | $332 |
| USAA | $182 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: State Farm
In Kansas, individuals with poor credit can find the cheapest full coverage auto insurance with State Farm at $2,263.
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 it may indicate that you are more likely to miss a payment.
Company | Monthly rate |
|---|---|
| State Farm | $189 |
| American Family | $218 |
| Farm Bureau | $234 |
| Progressive | $236 |
| Allstate | $283 |
| Farmers | $319 |
| USAA | $134 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Farm Bureau
The average cost of car insurance for 18-year-old drivers in Kansas is $1,807 for minimum coverage, which is about $1,258 more expensive than it is for older drivers. For cheap auto insurance, a young driver should choose Farm Bureau for minimum coverage. However, for full coverage quotes, young drivers would find the cheapest rates with State Farm.
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $89 | $322 |
| State Farm | $101 | $266 |
| American Family | $107 | $297 |
| Allstate | $199 | $590 |
| Progressive | $224 | $651 |
| Farmers | $262 | $598 |
| USAA | $72 | $221 |
*USAA is only available to current and former military members and their families.
Cheapest quotes for young drivers with a 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 $1,287. In general, a speeding ticket for a young driver would increase their auto insurance premium by an average of $263 per year.
Company | Monthly rate |
|---|---|
| American Family | $107 |
| State Farm | $112 |
| Farm Bureau | $117 |
| Allstate | $230 |
| Progressive | $241 |
| Farmers | $311 |
| USAA | $90 |
*USAA is only available to current and former military members and their families.
Cheapest for young drivers after an accident: State Farm
Having an accident will almost always increase your car insurance premiums the next time you renew. For teen drivers with a prior accident, State Farm has the best cheap car insurance quotes in Kansas, with an average cost of $1,475 for a minimum coverage policy.
Company | Monthly rate |
|---|---|
| State Farm | $123 |
| American Family | $124 |
| Farm Bureau | $145 |
| Allstate | $253 |
| Progressive | $264 |
| Farmers | $326 |
| USAA | $104 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for married drivers: State Farm
Married drivers can find savings when shopping for car insurance because insurers have found they are less likely to engage in risky driving. Specifically, in Kansas, a married individual can save $90 per year on average for a full coverage policy. However, the cheapest insurer for married drivers is State Farm, even though it doesn't offer a discount for married drivers.
Company | Monthly rate |
|---|---|
| State Farm | $96 |
| Progressive | $125 |
| American Family | $137 |
| Farm Bureau | $140 |
| Allstate | $200 |
| Farmers | $207 |
| USAA | $68 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in Kansas
The best insurers 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 are available to all Kansas drivers.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 897 | A++ | |
| State Farm | 847 | A++ | |
| Farm Bureau | NR | A+ | |
| American Family | 839 | A | |
| Farmers | 848 | A | |
| Progressive | 837 | A+ | |
| Allstate | 826 | A+ |
Average car insurance cost in Kansas by city
The Kansas city with the cheapest coverage is Gardner, at $1,577 per year for full coverage, and the most expensive is Garden City, at $2,032 per year.
Typically, auto coverage costs are higher in large cities, where accidents and auto theft are more common. In Kansas, auto insurance premiums for full coverage can vary by up to $455 depending on where you live.
City | Average monthly cost | Percent from average |
|---|---|---|
| Abbyville | $146 | 0% |
| Abilene | $139 | -5% |
| Admire | $140 | -5% |
| Agenda | $149 | 1% |
| Agra | $156 | 7% |
Minimum requirements for auto insurance coverage in Kansas
Kansas requires drivers to have a minimum amount of liability coverage in their auto insurance policies.
Liability | Minimum coverage |
|---|---|
| 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.
Recap of the cheapest car insurance in Kansas
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: American Family
- Poor credit history: State Farm
- Married drivers: State Farm
- Young drivers: Farm Bureau
- Young drivers after a ticket: American Family
- Young drivers after an accident: State Farm
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 $30 per month for state minimum coverage, and $96 per month for full coverage.
How much is car insurance in Kansas?
The average cost of insurance in Kansas is $549 per year, or $46 per month, for a state minimum policy. The average cost for full coverage is $1,759 per year, or $147 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 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:
Coverage type | Study 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.
For other rates 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.