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 Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Dairyland | $117 | Jeff, 28, Wichita, KS | Toyota Camry Base | State Minimum | No |
| Progressive | $71 | Millie, 80, Arma, KS | Dodge Caravan Se | State Minimum | No |
| Progressive | $201 | Roy, 32, Kansas City, KS | Hyundai Sonata Sport | 50/100 | Yes |
| Kemper | $274 | Chad, 24, Manhattan, KS | Honda Civic Lx | State Minimum | Yes |
| Progressive | $170 | Lucas, 40, Allen, KS | Chevrolet Captiva Sport | 100/300 | Yes |
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 company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Main Street America | November 1, 2024 | 5 | “It’s affordable but not the most comprehensive insurance. So I recommend for new drivers. “ -Gavin |
| National General | October 30, 2024 | 5 | “Great insurance but a little pricey “ -Travis |
| Dairyland | October 25, 2024 | 3 | “Insurance is reasonable priced and I like the road side services “ -Steven |
| Madison Mutual | October 22, 2024 | 4 | “It have lots of options to pick through “ -Harriett |
| Bristol West | October 18, 2024 | 4 | “No complaints, however, here on Jerry it says I could be getting a better rate” -Florence |
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:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 property damage liability per accident
Jerry has helped drivers in Kansas secure minimum liability insurance with maximum savings.
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.
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 Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| 50/100 | Yes | Progressive | $201 | Roy, 32, Kansas City, KS | Hyundai Sonata Sport |
| State Minimum | Yes | Kemper | $274 | Chad, 24, Manhattan, KS | Honda Civic Lx |
| 100/300 | Yes | Progressive | $170 | Lucas, 40, Allen, KS | Chevrolet Captiva Sport |
| 100/300 | Yes | Nationwide | $37 | Randall, 46, Emporia, KS | Dodge Dart Se |
| State Minimum | Yes | Dairyland | $213 | Howard, 27, Overland Park, KS | Kia Forte Lx |
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.
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 Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Progressive | $64 | Amy, 33, Wichita, KS | Chrysler 300 Touring | State Minimum | No |
| Speeding 11-15 | Bristol West | $187 | Austin, 31, Manhattan, KS | Hyundai Elantra Se | State Minimum | No |
| Speeding Violation-Minor | Progressive | $153 | Rena, 26, Wichita, KS | Honda Accord Lxp | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $456 | Edward, 23, Kansas City, KS | Nissan Altima 2.5 | State Minimum | No |
| Speeding Violation-Minor | Progressive | $61 | Lenora, 31, Haviland, KS | Nissan Juke S | State Minimum | No |
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.
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 Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $71 | Millie, 80, Arma, KS | Dodge Caravan Se | State Minimum | No |
| At Fault With No Injury | Bristol West | $57 | Bruce, 47, Wichita, KS | Chrysler Town & Country Touring | State Minimum | No |
| At Fault With No Injury | Nationwide | $143 | Clarence, 45, Overland Park, KS | Hyundai Sonata Se | 50/100 | Yes |
| At Fault With No Injury | Progressive | $46 | Adrian, 63, Kansas City, KS | Ford Taurus Se Comfort | 50/100 | No |
| Not At Fault | Safeco | $112 | Hulda, 36, Olathe, KS | Chevrolet Trax 1Lt | 50/100 | Yes |
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Is Kansas a no-fault state?
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.
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.
Learn more: The best cheap car insurance for teens
Cheapest Kansas car insurance for senior drivers
| 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.
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 |
|---|---|
| Dodge Ram 1500 | $64 |
| Ford F-150 | $87 |
| GMC Sierra | $89 |
| Chevrolet Silverado | $94 |
| Toyota RAV4 | $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.
Learn more: How to get car insurance before buying a car
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.
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 Kansas City or the tranquil streets of aptly-named Smolan, cheap car insurance is just a few clicks away.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Wichita | Jeff | Dairyland | $117 | Toyota Camry Base | State Minimum | No |
| Arma | Millie | Progressive | $71 | Dodge Caravan Se | State Minimum | No |
| Kansas City | Roy | Progressive | $201 | Hyundai Sonata Sport | 50/100 | Yes |
| Manhattan | Chad | Kemper | $274 | Honda Civic Lx | State Minimum | Yes |
| Allen | Lucas | Progressive | $170 | Chevrolet Captiva Sport | 100/300 | Yes |
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:
- Shop around: Car insurance rates can vary greatly from one company to another. Use Jerry to compare quotes from different companies effortlessly.
- Bundle policies: If you have multiple insurance needs (like homeowners, renters, or life insurance), consider bundling these policies with one insurer to save.
- Maintain a clean driving record: Safe driving pays off. The fewer accidents and traffic violations you have, the lower your premium will likely be.
- Take a defensive driving class: Many insurance companies offer discounts to drivers who complete an approved defensive driving course.
- Increase your deductible: Increasing your deductible can lower your premium. Just ensure you can comfortably afford the deductible in case of a claim.
- 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
FAQ
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How much is car insurance in Kansas?
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What is full coverage auto insurance in Kansas?
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How does credit score affect car insurance premiums in Kansas?
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What is the required car insurance coverage in Kansas?
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What is the lowest form of car insurance?
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Is it illegal to drive without insurance in Kansas?
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Who offers the best cheap car insurance in Kansas?
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Can you have out-of-state car insurance in Kansas?
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.
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.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
