Cheapest Insurance in Kansas 2021

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Shopping around and comparing car insurance prices is the best way to find savings in the Sunflower State.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Kansas. If you want to learn more about Kansas’s car insurance rates, then read on.
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Here’s how much real Jerry customers saved in Kansas when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
August 19, 2021Chevrolet Camaro LT
Overland Park
34NationwideCustom$156/mo.$116/mo.
June 24, 2021Chevrolet Impala LT
Lawrence
24MercuryCustom$300/mo.$172/mo.
August 26, 2021Chevrolet Impala LT
Lawrence
24DairylandStandard$300/mo.$175/mo.
August 25, 2021Chevrolet Impala LT
Lawrence
24Bristol WestStandard$300/mo.$223/mo.
May 5, 2021Chevrolet Impala LT
Lawrence
24ClearCoverCurrent$300/mo.$235/mo.

Cheapest minimum coverage car insurance in Kansas

In Kansas, people are required to have the following minimum coverages:
  • $[25,000] bodily injury liability per person
  • $[50,000] bodily injury liability per accident
  • $[25,000] property damage liability per accident
Failing to meet the required minimums while driving in Kansas is illegal. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is not a recommendation–it’s a requirement. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Kansas:
Before Jerry
After Jerry
$2,317$1,126
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Additional coverages you might want to consider when shopping for car insurance in Kansas

Risk factorCoverage to consider
Uninsured driversUninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
High collision riskIf you get into an accident with another vehicle, collision insurance will cover repair costs for your car.
TornadoesComprehensive insurance covers damage to your car that is the result of severe weather, such as a tornado.
Given the risky weather patterns and agricultural traffic in Kansas, you should consider getting more than the minimum coverage to protect you and your vehicle.

Best carriers for minimum coverage car insurance in Kansas

Kansas is a no-fault state, where each company is required to pay the policyholder for minor damages no matter who caused the accident, which drives car insurance prices up.
It’s always better to have the minimum amount of insurance, rather than leaving yourself totally unprotected. Not to mention, uninsured drivers could face hefty fines, license suspension, or even jail time.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Kansas:
Insurance Company
Before Jerry
After Jerry
Progressive$2,370$1,163

Cheapest full coverage car insurance in Kansas

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Full coverage car insurance is a smart choice for drivers who want to protect their financial security.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,874$1,946
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Best carriers for full coverage car insurance in Kansas

Getting quotes from various insurance companies will help you ensure you have the most affordable rate for the coverage you need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Kansas:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,292$1,440
Progressive$3,068$2,115
While minimum coverage is enough to let you drive legally in Kansas, full coverage offers stronger protection and can provide peace of mind. Look for a company that offers the protection you need and service you can rely on.

Cost to insure your car in Kansas by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in Kansas, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,816$1,465
21-24$3,023$1,921
25-34$2,116$1,368
35-44$2,766$1,777
45-54$2,389$1,614
55-64$3,108$2,123
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Cost of insurance for drivers in Kansas with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Kansas’s lookback period is ten years (recently lowered from ‘lifetime’). Some companies will have their own guidelines about how far back they look into your driving record.
Be aware that if you have a prior incident within the last ten years, it could limit an insurance company’s ability to offer Kansas drivers the ‘good driver’ discount. For very serious offenses, you may be looking at an even longer waiting period.
But there’s good news! Jerry can help Kansas drivers find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,533$1,655
Improper Passing$1,205$1,098
Failure to Obey Traffic Sign$4,163$1,808
Driving on Sus. License$3,084$2,162
Speeding under 15$2,923$2,191
Speeding over 15$3,600$2,421
Other$2,757$1,929

Best carriers for drivers with infractions in Kansas

Insurance Company
Before Jerry
After Jerry
State Auto$1,440$996
Travelers$2,711$1,740
Nationwide$2,681$1,757
Safeco$2,839$1,782
Progressive$2,804$1,894
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in Kansas if you have a traffic violation on your record.
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Cost of insurance for young drivers in Kansas with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
As a young driver, a minor offense on your record could significantly impact your car insurance rates for years to come—well past the time when you’d be considered a ‘young driver’.
Fortunately, Jerry can help young drivers in Kansas with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,302$1,979
Failure to Obey Traffic Sign$4,238$1,751
Speeding under 15$2,645$1,797
Speeding over 15$3,600$2,421
Other$3,648$2,096
If you’re looking for the most affordable insurance for a young driving with a poor driving record in Kansas, check out these top carriers.

Best carriers for young drivers with infractions in Kansas

Insurance Company
Before Jerry
After Jerry
Travelers$2,760$1,104
Safeco$1,872$1,680
Progressive$3,124$1,900
Young drivers are already considered higher risk by insurance companies. A moving violation only increases this perception.
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Types of discounts that might be available to you in Kansas

Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Kansas. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
Kansas allows insurers to consider factors like age, sex, occupation, and credit score when they set your car insurance premium. You might get a reduced premium for being married with good credit, for example.
Some of the most common car insurance discounts in Kansas include:
Discount typeWho is eligible?
Driver safety discountsDrivers in Kansas who have been accident-free for several years can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount.
Defensive driving discountsKansas drivers can qualify for a 5% discount by taking an approved defensive driving course. The course teaches how to avoid accidents, assess weather and traffic conditions, and drive safely. Check with your provider about approved programs.
Good student discountsIf you’re under 25 and a full-time student, you could get a huge discount on your car insurance premium. There’s also a “student away at school” discount for families where a child under 25 lives away from home and only drives during vacations.
Bundling your policiesGet your car and home policies from the same company and you could enjoy a reduced premium.
Telematics programsBy installing a small device in your car to track driving behavior, Kansas drivers can get rewards and discounts just for driving safely. It’s free to enroll and the company ships the device to your doorstep.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Kansas?

The most popular car in Kansas is the Ford Focus, which has great safety ratings. Generally, cars with good safety ratings and good fuel economy can be insured affordably.
If you drive a relatively inexpensive car, you can expect to pay lower insurance premiums because it will cost less to repair or replace your vehicle if you’re in an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what you can expect to pay to insure some other popular car makes/models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura RSX$840$516
Acura RDX$1,200$816
Cadillac CTS Hi Feature V6$3,000$1,776
Chevrolet Camaro$1,416$600
Chevrolet Cruze LT$2,200$1,308
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Cheapest car insurance in Kansas by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Kansas may not have as many metropolitan centers as other states, but traffic fatality rates are on the rise. There are also risks from agricultural vehicles, animals, and severe weather. All of these factors contribute to the price of car insurance in Kansas.
But generally, areas with lower population density tend to get lower rates, which can help bring down the monthly payment for some Kansas drivers.
City
Before Jerry
After Jerry
Kansas City
$2,764$1,753
Lawrence
$3,463$2,284
Olathe
$2,540$1,780
Overland Park
$2,038$1,445
Wichita
$2,334$1,523
Topeka
$2,096$1,466
Junction City
$2,548$1,888
Manhattan
$2,153$1,344

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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