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Cheapest Car Insurance in Kansas (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Kansas.
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Kansas

The average cost of car insurance in Kansas is $55 per month for a liability-only policy, and $135 per month for full coverage. Compared to the national average, Kansas drivers pay less than the national average.
As a responsible driver, you know that car insurance is a crucial safeguard against unforeseen mishaps along the sun-kissed roads of the Sunflower State. Spending less time and effort researching coverage and more time out on the road is possible—simply download
Jerry
!
The
top-rated insurance comparison app
provides you with the cheapest
car insurance
plans tailored to your coverage needs. No more paperwork, inflated premiums, or time-consuming hassles—only miles of smiles and savings.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
AAA
$125
Chevrolet Impala LS
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$90
Subaru Forester Sport
• 100,000/300,000 Liability
• Comp / Collision
Gainsco
$162
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
State Auto
$73
Jeep Grand Cherokee Limited
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$67
Lincoln Zephyr
• State Minimum Liability
coverageLast Updated Apr 15, 2024

Cheapest car insurance companies in Kansas

In one of the largest nationwide
car insurance shopping
surveys conducted, Jerry asked policyholders for their insights and opinions on their insurance providers. Take a look at what drivers had to say about finding optimal coverage and savings:
By surveying over 15,000 policyholders, we discovered that when it comes to finding the best auto insurance company, the secret lies in uncovering the perfect match for your unique needs.
For some drivers, insurance giant
State Farm
is their cheapest car insurance company; for other drivers, it’s
Farmers
through and through. There’s no one-size-fits-all for the best car insurance, but you can find the best car insurance for you.
Companies that have established a strong presence in Kansas include
Progressive
,
Travelers
, Geico, American Family, and
Allstate
. At least one of these companies is sure to tick all your boxes. Take a look at what policyholders in Kansas have to say about some of the best in the biz:
Insurance companyDateCost rating (out of 5)What our customer said:
Allstate
April 3, 2024
4
"I love how their policy includes "safe driving" rewards which saves you a significant amount of money each month on y...(read more)"
-Estelle
National General
April 2, 2024
4
"It have lots of options to pick through "
-Carrie
AAA
April 2, 2024
4
"This company was the best deal until after the first 6 months policy was up to be reinstated and then they wanted to ...(read more)"
-Rosetta
Mercury
March 31, 2024
5
"It’s affordable but not the most comprehensive insurance. So I recommend for new drivers. "
-Hallie
Bristol West
March 30, 2024
3
"You can't ever seem to pay on the phone unless it's during business hours which is weird since it's supposed to be au...(read more)"
-Maud
coverageLast Updated Apr 15, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re ready to hang up the hassles and embrace the easiest and fastest way to find the quickest coverage, then you’ll love Jerry. It takes just 45 seconds to sign up and gain immediate access to dozens of
car insurance quotes
online or in the app.

Minimum car insurance requirements for liability and full coverage in Kansas

The state of Kansas mandates that drivers must carry these state minimum coverages:
  • Liability car insurance
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist coverage
These
Kansas auto insurance requirements
are in place to protect both drivers and third parties in the event of an accident.

Cheapest minimum liability coverage in Kansas

On average, Kansas drivers pay around $55 per month, or $662 per year for the state minimum coverage. This makes Kansas’ liability-only policies approximately 33% less than the national average.
In a no-fault auto insurance state like Kansas, it’s the law to meet the minimum liability insurance thresholds. Everyone behind the wheel must meet the 25/50/25 minimums, meaning they’ll need to have each of the following:
Jerry has helped drivers in Kansas secure minimum liability insurance with maximum savings.
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Myrtle (25 years old)
coverageCoverage
State Minimum
$87
per month
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Carlos (27 years old)
coverageCoverage
State Minimum
$162
per month
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Dennis (39 years old)
coverageCoverage
State Minimum
$143
per month
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Gavin (57 years old)
coverageCoverage
State Minimum
locationOskaloosa, KS
$78
per month
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Clearcover
Peter (32 years old)
coverageCoverage
State Minimum
$62
per month
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Gainsco
Earl (67 years old)
coverageCoverage
State Minimum
locationGreat Bend, KS
$184
per month

Do you need more than the minimum liability insurance coverage in Kansas? 

Technically, yes—state law requires Kansas drivers to carry more than the minimum liability insurance coverage alone. 
By Kansas law, every driver must also carry at least the following PIP coverage:
  • Medical expenses: At least $4,500 per person. This coverage includes necessary medical, surgical, chiropractic, dental, rehabilitative, and hospital services.
  • Rehabilitation expenses: At least $4,500 per person for rehabilitation expenses. This coverage includes necessary rehabilitative and vocational services.
  • Disability and loss of income: At least 85% of the injured person's average weekly wage, up to a maximum of $900/month. This coverage applies for a maximum of one year from the date of the accident
  • In-home services: $25 per day
  • Funeral expenses: At least $2,000 for funeral, burial, or cremation expenses
In addition to bodily injury liability, property damage liability, and PIP, Kansas law requires at least $25,000 per person and $50,000 per accident of
uninsured motorist coverage
.
Four coverages? That seems like a lot! But depending on the severity of an accident, the minimums may barely scratch the surface when it comes to the resulting expenses. 
Bottom line: To best protect your personal assets in the event of an accident, consider buying higher minimum coverage limits than the state minimum. If you want coverage for your own vehicle, look into full-coverage car insurance.
Lower my car insurance too!

Cheapest full coverage Kansas auto insurance quotes

Full coverage protection typically comes with higher premiums but can be a worthwhile investment for many drivers. Typically, full coverage car insurance in Kansas costs around $135 per month, or $1,623 annually—making the average full coverage policy cost 20% less than the national average.
The customary
full-coverage car insurance
plan includes liability coverage, collision coverage, and comprehensive coverage:
  • Collision coverage
    : Protects your vehicle in the event of a collision, regardless of who is at fault. If your car is damaged in a collision, collision coverage helps cover the cost of repairs or replacement, up to the actual cash value of your vehicle.
  • Comprehensive coverage
    : Provides protection for damage to your vehicle that is not caused by a collision. Covered events typically include theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damages.
If you’ve leased or financed your car, your lender will require full coverage. And if you’re planning to sell your vehicle down the road, having a full-coverage policy can signal to prospective buyers that the car has been well-maintained and protected against damage.
Full coverage protection typically comes with higher premiums but can be a worthwhile investment for many drivers. Plus, Jerry can help you find full-coverage plans to fit your budget.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$165
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
AAA
$203
Ford Escape Titanium
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$99
Subaru Outback 2.5I Limited
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$124
Subaru Outback 2.5I Limited
• State Minimum Liability
• Comp / Collision
Gainsco
$162
Nissan Altima 2.5
coverageLast Updated Apr 12, 2024

Kansas car insurance: Additional coverages

Even with the state-required minimum insurance, you’ll have gaps in your coverage. Here are a few additional coverages to consider:
  • Rental reimbursement coverage
    : Covers the cost of a rental car while your vehicle is being repaired.
  • Towing and labor coverage
    : Provides assistance in case of vehicle breakdowns or other roadside emergencies.
  • Non-owner car insurance
    : Provides liability protection when driving a borrowed or rented vehicle. This coverage can be most beneficial for drivers who rely on car-sharing services, borrow vehicles regularly, or need coverage for a temporary period.

Car insurance premium by rating factors

Car insurers use rating factors to determine your annual rates. Here are some of the key factors typically up for review:
  • Your driving history: Insurers assess factors such as the number of accidents, traffic violations, and previous claims on your
    driving record
    . Low risk means low premiums.
  • Your age:
    Car insurance for new drivers
    tends to be high due to their higher likelihood of being involved in accidents. 
  • Your car: The make, model, and year of your vehicle influence your insurance premiums. Luxury cars or high-performance vehicles typically come with higher insurance costs.
  • Your credit rating: In Kansas, insurers may consider your credit score when determining your insurance rates. Drivers with lower credit scores tend to experience higher premiums, while those with good credit scores tend to have the lowest rates.

How do different factors impact your car insurance costs in Kansas?

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Allowed (with applicable limitations): Age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Kansas currently does not allow gender as a rating factor when calculating insurance premiums.
Learn more about the car insurance rating factors in Kansas:

Cheapest Kansas car insurance after a driving violation

Experiencing a driving violation can have a significant impact on your car insurance rates. But don’t lose hope! Even with a spotty record, there are strategies to help you find affordable car insurance in Kansas.

Cheapest car insurance for Kansas drivers with a speeding ticket

Speeding tickets in Kansas
vary based on the location and circumstances surrounding the violation. The fines for speeding can range from around $45 to $500 or more, depending on the speed at which you were driving and other factors.
  • Although Kansas does not have a point system in place, the state still records each moving violation on your driving record
  • If you get ticketed for accumulating three moving violations within 12 months, the Kansas Department of Licensing (DOL) can suspend your license
Depending on your speed, your rates may increase substantially or by a smaller than expected amount. For example, the average cost of car insurance after a minor speeding ticket is approximately $200 per month—but for those caught driving 16 to 20 mph over the limit, could see rates rise up to $274 per month.
If you’re battling steep increases in your car insurance premiums, consider taking a
defensive driving course
and bettering your driving habits. It could make a dent in your coverage costs.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$115
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
AAA
$470
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Safeco
$161
• State Minimum Liability
coverageLast Updated Apr 14, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Fast response to questions, problems solved quickly
John
National General
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Travelers
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco
Safeco has provided great service as my current carrier.
Marcus

How to find cheap Kansas auto insurance after a DUI

If convicted of a
DUI in Kansas
, the offense will remain on your driving record for 10 years. And that’s the least of your worries when you consider the fines, license suspension, possible jail time, and soaring auto insurance premiums.
Kansas drivers pay, on average, 16% more for car insurance after a DUI. But it’s not only rising rates you need to worry about—not all providers will offer coverage to drivers with SR-22 certificates or a DUI on their record.
To begin reducing insurance costs and find affordable coverage, your first plan of action should be to shop around. Rates can vary significantly among insurers—some may even specialize in providing coverage for high-risk drivers.
Reducing insurance costs after a DUI conviction may take time and effort, but you can find affordable coverage. Jerry has a proven track record of helping many drivers find affordable auto insurance after a DUI.
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Bertha (31 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$228
per month
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Brett (32 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$169
per month
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Dorothy (52 years old)
DUI
coverageCoverage
State Minimum
$172
per month
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Leila (31 years old)
DUI
coverageCoverage
State Minimum
$88
per month
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Jerome (37 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$153
per month
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Mildred (23 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$244
per month

Kansas SR-22 insurance

If you've been convicted of certain driving offenses, such as a DUI, driving without insurance, or multiple traffic violations, you may be required to file
SR-22 insurance in Kansas
for at least 12 months.
  • An SR-22 is a form provided by your insurance company that verifies you have the state-required insurance coverage
  • While SR-22 insurance is typically more expensive than standard auto insurance, you can still find affordable options by exploring different insurers
  • With consistent coverage and enough time with a clean driving record, your rates may decrease further
After receiving an SR-22 certificate, most Kansas drivers pay an average of $170 per month, or $2,039 annually for car insurance. However, with consistent coverage and enough time with a clean driving record, your rates may decrease further.

Cheapest Kansas auto Insurance after an at-fault accident

Each insurance company evaluates risk differently—but a track record of accidents can make securing the cheapest auto insurance rates a little challenging.
To give you the best shot at lowering your insurance rates after an at-fault accident, shop around or use a
car insurance broker
to compare multiple quotes. But don’t settle for the first quote you’re given—explore all of your options. 
Thankfully, you can rely on Jerry to cut through all the noise and recommend the best options suited to your specific situation.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$450
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$174
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
AAA
$162
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$208
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
State Auto
$438
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

FAQ

Yes, Kansas follows a “no-fault” approach to insurance claims. Under this system, drivers involved in an accident are required to first seek compensation from their own insurance companies, regardless of who caused the accident.
It’s important to note, however, that Kansas operates under a modified no-fault system. While the state has elements of no-fault insurance, it also allows drivers to opt out of the no-fault system by purchasing a traditional tort liability policy. This lets them pursue legal action against the at-fault party for additional compensation beyond what their own coverage provides.

Cheapest auto insurance after other violations in Kansas

Beyond DUIs and speeding tickets, violations like
reckless driving
and driving without insurance will cause your premiums to increase.
Take a look at the table below to see other violations that can earn you rate increases in Kansas:
Violation
Average monthly minimum coverage cost
Driving on suspended license
$117
Improper passing
$122
Driving left of center
$136
Illegal turn
$140
Racing/drag racing
$322
But don’t worry—you can still find affordable car insurance rates. Jerry has helped Kansas drivers find low-cost policies despite having a history of traffic violations.

Cheapest Kansas auto insurance based on insurance history

Your insurance history plays a significant role in determining your car insurance rates in Kansas. At Jerry, we understand the importance of staying insured to avoid a
lapse in insurance coverage
and an increase in rates.
If you have a lapse in your insurance history, you could see your rates rise to $154 per month for car insurance, representing a 13% increase overall.
Luckily, Jerry can help you sign up for a new policy and start fresh. To prevent future coverage gaps, Jerry will send you automatic payment and renewal reminders so you can stay on top of things and regain peace of mind.
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Madge (25 years old)
Currently Insured
coverageCoverage
State Minimum
$87
per month
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Esther (33 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationHesston, KS
carDodge RAM 1500 ST
$181
per month
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Lee (23 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$136
per month
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Ronald (31 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$124
per month
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Gainsco
Brian (67 years old)
Currently Insured
coverageCoverage
State Minimum
locationGreat Bend, KS
$184
per month
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Mitchell (22 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$82
per month

Cheapest car insurance for Kansas drivers with poor credit

Challenging as it might seem, there are insurance options for drivers with all credit levels. While your credit history may impact your insurance rates, you can take steps to find the best car insurance with bad credit.
Drivers boasting a robust credit score of 700 or more stand to gain, often relishing car insurance discounts of around 20% and cheaper car insurance. Check out the table below to see how your rates could change depending on your credit score. 
Credit score
Average monthly coverage cost
< 600
$164
601-699
$145
700+
$107
But even for those with a credit score below 600, affordable coverage isn’t out of reach. Insurance providers that are more accepting of your unique situation are just a few clicks away from discovery on the Jerry app.

Cheapest Kansas car insurance by age

Like young drivers everywhere, those in Kansas often face steep insurance rates due to their limited experience behind the wheel. By 25, however, drivers have generally accrued enough experience to drive safely and typically see their insurance costs decrease as a result. These rates tend to remain stable until around 75, when they may begin to rise again
If you find yourself outside the ideal age bracket, don't fret. There are ways to find the best rate for your age group.

Cheapest Kansas car insurance for young drivers

Teen drivers between the ages of 16 and 19 are more likely to be involved in a car accident and face the highest premiums. Since it's illegal to sign a car insurance contract before turning 18, these younger drivers will need to be added to an existing policy.
On average, teen drivers under the age of 18 pay approximately $165 per month for minimum car insurance. These rates do decrease slightly for drivers between the ages of 18 and 21, dropping to around $136 per month—however, most young motorists will see the largest decrease at age 25 after gaining more experience.
Here’s how your age can change your car insurance rates over time:
Age
Average monthly minimum coverage cost
Average monthly full coverage cost
< 18
$165
$457
18-21
$136
$378
But inexperience or lack of credit history isn't necessarily a roadblock in Kansas. Many auto insurance companies offer attractive discount programs tailored to new drivers who are just starting out. 
When starting your driving journey, considering a full-coverage policy is prudent. Jerry has helped many young drivers in Kansas find affordable insurance quotes.
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Jerome (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Charger SE
$203
per month
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Verna (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$114
per month
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Carl (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$136
per month
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Hettie (21 years old)
coverageCoverage
State Minimum
$438
per month
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Christopher (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$164
per month
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Clearcover
Alfred (24 years old)
$88
per month

Cheapest Kansas car insurance for senior drivers

Despite many years of safe driving, getting older can bring unique driving challenges to the fore. Diminished physical abilities or stamina can make driving trickier for senior drivers—and insurance companies typically charge more for the increased risk this poses.
The average cost of minimum coverage car insurance for drivers between 55 and 64 is approximately $55 per month. This rate increases once again for drivers 65+, who generally pay an average of $60 per month for the same policy.
Age
Average monthly minimum coverage cost
Average monthly full coverage cost
55-64
$55
$133
65+
$60
$137
Thankfully, several companies in the Sunflower State strive to provide excellent coverage for older drivers. Organizations like AARP, in partnership with The Hartford, cater specifically to this demographic, providing some of the
best car insurance options for seniors
.
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Dylan (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$102
per month
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Barry (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$146
per month
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Barbara (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$148
per month
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Winnie (75 years old)
coverageCoverage
State Minimum
locationGreat Bend, KS
$218
per month
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Beulah (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$79
per month
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Gainsco
Carrie (67 years old)
coverageCoverage
State Minimum
locationGreat Bend, KS
$184
per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
I always shared a good relationship with progressive
Jeffrey
Safeco
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
National General
I like this insurance a lot
Krista
AAA
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason

How to find car insurance discounts in Kansas for your motor vehicle

In Kansas, the vehicle you choose to drive can significantly impact your car insurance premiums. The car's repair and replacement costs, susceptibility to theft, and overall safety record are all fair game in determining your insurance rates.
Take a look at the average cost of car insurance for some of the most popular vehicles in Kansas:
Vehicle type
Average monthly coverage cost
$64
Ford F-150
$87
$89
$94
$114
For the best car insurance rates in Kansas, vehicles with low repair costs, strong security systems, and impressive safety ratings are typically favored. Insurers appreciate these attributes as they help to minimize expensive repair bills, deter theft, and lower costly injury claims.
You can
get insurance quotes before buying a car
to make sure the rates are within your budget.

Is it cheaper to insure a new car or a used car?

Generally, newer cars cost more to insure than older ones. This is because their replacement cost is higher in the event of an accident and they may be more appealing targets for theft. 
Used cars, on the other hand, typically have a lower overall value, resulting in cheaper insurance premiums since the cost to the insurance company for a total loss is less.
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Lois (18 years old)
$274
per month
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Tillie (23 years old)
2005 Chrysler 300 Touring
coverageCoverage
State Minimum
$99
per month
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Sophia (40 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBurlington, KS
$82
per month
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Lizzie (56 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$65
per month
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Gordon (41 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$86
per month
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Fanny (38 years old)
2004 GMC Envoy
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$165
per month

How to find cheap car insurance in Kansas in your city

Where you park your car in Kansas significantly influences your car insurance rates. Living in bustling cities like
Wichita
or
Overland Park
will likely lead to high premiums, while residing in quieter towns like
Prairie Village
or
Hays
usually yields lower rates.
We get it, there’s no place like home—so what can you do to lower your insurance costs besides moving and saying ta-ta to Toto? 
It helps to remember that geographical variance in insurance premiums isn't just a city-to-city matter; differences can occur within the same city depending on the zip code. Population density, accident rates, crime statistics, and even weather patterns can all contribute to these localized differences in insurance costs.
Don’t worry—you don’t need to be a professional statistician. Simply click your heels together and let Jerry make insurance magic. Whether you’re in the heart of downtown
Kansas City
or the tranquil streets of aptly-named Smolan, cheap car insurance is just a few clicks away.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Hays, KS
Myrtle, 25
Progressive
$87
Jeep Patriot Sport
• State Minimum Liability
Augusta, KS
Gordon, 40
Travelers
$90
Subaru Forester Sport
• 100,000/300,000 Liability
• Comp / Collision
Wichita, KS
Delia, 34
Safeco
$163
KIA Optima LX
• 50,000/100,000 Liability
• Comp / Collision
Hutchinson, KS
Marcus, 22
AAA
$113
Chevrolet Cruze LT
• State Minimum Liability
Salina, KS
Marguerite, 37
Nationwide
$117
Ford Explorer Sport Trac
• 100,000/300,000 Liability
• Comp / Collision
Parsons, KS
Jayden, 23
Allstate
$136
Toyota RAV4 Limited
• 50,000/100,000 Liability
• Comp / Collision
Salina, KS
Amelia, 37
Bristol West
$67
Lincoln Zephyr
• State Minimum Liability
Andover, KS
Ruby, 39
National General
$250
BMW 750 XI
• No Coverage Liability
Emporia, KS
Cornelia, 32
Mercury
$72
Mitsubishi Eclipse GS
• State Minimum Liability
• Comp / Collision
Topeka, KS
Dorothy, 27
Gainsco
$162
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Shawnee, KS
Lettie, 37
State Auto
$79
Toyota Prius
• State Minimum Liability
• Comp / Collision
Wichita, KS
Chris, 61
Dairyland
$205
Subaru Legacy 2.5I Limited
• 50,000/100,000 Liability
• Comp / Collision
Topeka, KS
Myrtie, 48
The General
$269
Mitsubishi Outlander Sport S/SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 12, 2024

How to lower the cost of car insurance in Kansas

Navigating the path to insurance savings might seem complex, but where there’s a will (and a plan), there’s a way. Let’s follow the recommendations from Jerry’s team of licensed insurance agents: 
1. Shop around: Car insurance rates can vary greatly from one company to another. Use Jerry to compare quotes from different companies effortlessly.
2. Bundle policies: If you have multiple insurance needs (like homeowners, renters, or life insurance), consider bundling these policies with one insurer to save.
3. Maintain a clean driving record: Safe driving pays off. The fewer accidents and traffic violations you have, the lower your premium will likely be.
4. Take a defensive driving class: Many insurance companies offer discounts to drivers who complete an approved defensive driving course.
5. Increase your deductible: Increasing your deductible can lower your premium. Just ensure you can comfortably afford the deductible in case of a claim.
6. Install safety features: Cars equipped with features like anti-lock brakes, airbags, anti-theft devices, and dash cams often qualify for discounts.

Why is car insurance so expensive in Kansas?

You’re not alone—many drivers wonder what’s contributing to steep insurance prices. Car insurance prices in Kansas can be costly due to several factors, including:
  • High population density in cities
  • Uninsured motorists
  • Expensive healthcare costs
  • Frequent natural disasters, such as tornadoes and severe storms
  • Rates of car thefts

FAQs

How much is car insurance in Kansas?

Car insurance in Kansas varies based on many factors, including your personal profile, driving record, and vehicle. Generally speaking, Kansas insurance rates tend to be higher than the national average due to it being a no-fault state and requiring PIP.

What is full coverage auto insurance in Kansas?

In Kansas, full-coverage insurance consists of basic liability insurance, PIP, and uninsured motorist coverage—which are all required by law—plus collision insurance and comprehensive insurance.

How does credit score affect car insurance premiums in Kansas?

In general, policyholders who have high credit scores tend to secure better car insurance rates. Drivers with lower credit scores may be deemed riskier to insure and subject to higher premiums.

What is the required car insurance coverage in Kansas?

Kansas law requires drivers to carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage liability coverage. Additionally, Kansas also mandates personal injury protection (PIP) coverage and uninsured motorist coverage/underinsured motorist coverage.

What is the lowest form of car insurance?

The lowest form of car insurance in Kansas is the state minimum—which includes liability insurance, PIP, and uninsured motorist coverage.

Is it illegal to drive without insurance in Kansas?

Yes. All drivers in Kansas must hold at least the state-required minimum coverage. You’ll need proof of insurance to register a vehicle in Kansas and if you’re stopped by law enforcement and fail to provide proof of insurance, your vehicle may be impounded.

Who offers the best cheap car insurance in Kansas?

No single insurance company offers the best rates for everyone. The best way to find cheap car insurance in Kansas is to compare quotes from multiple insurance carriers, which can be done conveniently using the Jerry app.

Can you have out-of-state car insurance in Kansas?

Standard car insurance policies typically provide coverage when traveling throughout all 50 states and Canada. If you live in Kansas, however, you should have Kansas car insurance and ensure you’re following the state’s minimum car insurance requirements. 
Exceptions may apply, i.e., for military members that are stationed out of state. If you’re a military member, consider all the benefits a
USAA insurance policy
offers.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.