Best & Cheapest Car Insurance Quotes in Kansas (2024)
State Farm has the cheapest and best full coverage insurance rates in Kansas, at $126 per month.
Find Cheap Auto Insurance Quotes in Kansas
Best cheap car insurance companies in Kansas
To find the best cheap car insurance in Kansas, ValuePenguin 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, matching uninsured motorist bodily injury liability coverage, $20,000 in property damage protection and personal injury protection.
Full coverage quotes include higher liability limits than the state minimums, in addition to comprehensive and collision coverages.
Our experts also ranked the best insurance companies in Kansas based on customer service reviews, coverage availability, cost and convenience.
Cheapest car insurance in Kansas: State Farm
State Farm has the best cheap full coverage insurance in Kansas.
A full coverage policy from State Farm costs around $126 per month, which is 24% cheaper than average. The average cost of car insurance in Kansas is $166 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 $82 per month, which is 35% cheaper than State Farm.
However, only military members, veterans and some of their family members can get car insurance from USAA.
Best cheap full-coverage auto insurance in Kansas
Company | Monthly rate | |
|---|---|---|
| State Farm | $126 |
| American Family | $138 |
| Geico | $140 |
| Nationwide | $149 |
| Progressive | $180 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Kansas: Farm Bureau
Farm Bureau has the best cheap liability insurance in Kansas.
Minimum coverage from Farm Bureau costs just $36 per month, which is 31% cheaper than average in Kansas. The average cost of minimum liability insurance in Kansas is $51 per month.
Kansas drivers who prefer to get insurance from a large national company should consider State Farm. At $38 per month, minimum coverage from State Farm is only $2 per month more expensive than Farm Bureau. And, as one of the biggest insurance companies in the country, you should have no problem bundling all of your insurance with State Farm.
Best cheap liability insurance in Kansas
Company | Monthly rate |
|---|---|
| Farm Bureau | $36 |
| State Farm | $38 |
| American Family | $40 |
| Geico | $44 |
| Progressive | $45 |
*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: State Farm
Farm Bureau has the cheapest minimum coverage insurance for young drivers.
Minimum coverage from Farm Bureau costs $94 per month for an 18-year-old driver in Kansas. That's 47% cheaper than the Kansas average, which is $177 per month. But full coverage from Farm Bureau is very expensive, at $507 per month.
American Family has the most affordable full coverage quotes for teens in Kansas. It charges around $299 for full coverage, which is 40% cheaper than average. The average cost of full coverage insurance for an 18-year-old in Kansas is $498 per month.
Cheapest Kansas car insurance quotes for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $94 | $507 |
| American Family | $113 | $299 |
| State Farm | $128 | $351 |
| Geico | $164 | $492 |
| Nationwide | $199 | $446 |
Kansas teens pay an average three times more for car insurance than 30-year-old drivers across the state. 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.
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 $132 per month for full coverage. That's 33% cheaper than the state average after a ticket, which is $198 per month.
Company | Monthly rate |
|---|---|
| State Farm | $132 |
| American Family | $138 |
| Geico | $181 |
| Nationwide | $182 |
| Progressive | $224 |
Auto insurance quotes in Kansas go up by an average 19% after a single speeding ticket. So drivers with a speeding ticket in Kansas pay around $32 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 $141 per month for full coverage, which is 42% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $141 |
| American Family | $157 |
| Nationwide | $237 |
| Geico | $265 |
| Progressive | $276 |
The average cost of a full coverage auto insurance policy increases by 478% after an 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: American Family
American Family has the cheapest auto insurance quotes in Kansas for teen drivers with a speeding ticket or accident on their record.
American Family often doesn't increase rates for young drivers after a single speeding ticket. A minimum coverage policy costs around $113 per month, which is 44% cheaper than average. It also has the cheapest quotes after an at-fault accident, at $132 per month for minimum coverage.
Teen drivers in Kansas should also compare quotes from Farm Bureau after a ticket or accident. Minimum coverage from Farm Bureau costs $123 per month for an 18-year-old driver with a speeding ticket, and $153 per month after a crash.
Minimum coverage quotes for KS teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| American Family | $113 | $132 |
| Farm Bureau | $123 | $153 |
| State Farm | $138 | $152 |
| Geico | $191 | $212 |
| Nationwide | $217 | $222 |
Young drivers in Kansas can expect their car insurance rates to go up by around 14% after a single speeding ticket, and 29% after an accident.
Cheapest auto insurance in Kansas after a DUI: Progressive
Progressive has the most affordable quotes in Kansas for drivers with a DUI. A full-coverage policy from Progressive costs $197 per month after a DUI, which is 43% cheaper than average.
Company | Monthly rate |
|---|---|
| Progressive | $197 |
| Allstate | $290 |
| Farmers | $300 |
| Nationwide | $306 |
| State Farm | $441 |
In Kansas, getting a DUI can double your auto insurance rate to an average of $344 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: Geico
Geico has the most affordable quotes for Kansas drivers with poor credit. Full coverage from Geico costs $200 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 |
|---|---|
| Geico | $200 |
| Nationwide | $216 |
| American Family | $246 |
| Progressive | $297 |
| Farmers | $344 |
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 poor credit more likely to make a claim in the future.
Best car insurance in Kansas
The best insurance companies in Kansas are USAA, Farm Bureau and State Farm, 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 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
|
A.M. Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
The best auto insurance in Kansas combines affordable quotes and dependable customer service.
A company with good customer service will help get your car fixed quickly after an accident. However, bad customer service could mean a long claims process or large repair bill after a crash.
Average car insurance cost in Kansas by city
Drivers who live in Gardner, a suburb of Kansas City, pay the cheapest car insurance rates in Kansas, at $148 per month for full coverage.
The most expensive full coverage rates are in Jetmore, a small town on the western edge of the state, where a policy costs $193 per month.
Full coverage car insurance rates in Kansas by city
City | Monthly rate | % from average |
|---|---|---|
| Abbyville | $167 | 1% |
| Abilene | $160 | -4% |
| Admire | $160 | -4% |
| Agenda | $170 | 2% |
| Agra | $181 | 9% |
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 $175 per month, which is 5% 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?
Full coverage car insurance in Kansas costs $115 per month more than a minimum coverage policy, on average.
That's because 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.
If you have a car loan or lease, your lender will typically require you to have full-coverage insurance. You should also consider having comprehensive and collision coverages if your car is less than eight 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 damages 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.
Most drivers should consider getting a full coverage policy.
Frequently asked questions
Who has the cheapest auto insurance in Kansas?
State Farm has the cheapest full coverage insurance quotes in Kansas, at $126 per month. Farm Bureau has the most affordable minimum liability rates, at $36 per month.
How much is car insurance in Kansas per month?
The average cost of insurance in Kansas is $166 per month for a full coverage policy. The average cost for minimum coverage is $51 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 $25,000 of property damage coverage and personal injury protection. It also includes coverage for loss of income, in-home services, rehab and funeral expenses.
Why is insurance so expensive in Kansas?
Car insurance in Kansas is actually cheaper than the national average. Both full and minimum coverage in Kansas costs 7% less than the national average, at $138 per month and $60 per month, respectively.
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; $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; $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.