PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Cheapest Car Insurance in Kansas (Oct 2024)
Cheapest Car Insurance in Kansas (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Kansas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Kansas
- Cheapest car insurance companies in Kansas
- Minimum car insurance requirements for liability and full coverage in Kansas
- Car insurance premium by rating factors
- How do different factors impact your car insurance costs in Kansas?
- Cheapest Kansas car insurance after a driving violation
- How to find cheap Kansas auto insurance after a DUI
- Cheapest Kansas auto insurance based on insurance history
- Cheapest car insurance for Kansas drivers with poor credit
- Cheapest Kansas car insurance by age
- How to find car insurance discounts in Kansas for your motor vehicle
- Is it cheaper to insure a new car or a used car?
- How to find cheap car insurance in Kansas in your city
- How to lower the cost of car insurance in Kansas
- FAQs
- Methodology
- Meet our experts
Load full table of contents
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 |
|---|---|---|---|---|
| Travelers | $137 | Lewis, 28 | Toyota Camry SE | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $192 | Philip, 35 | Nissan Altima 2.5 | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $72 | William, 33 | Mitsubishi Eclipse GS | • State Minimum Liability • Comp / Collision |
Clearcover | $177 | Alberta, 38 | Hyundai Tucson Limited | • 100,000/300,000 Liability • Comp / Collision |
| National General | $155 | Olive, 32 | Hyundai Elantra ECO | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 11, 2024Cheapest 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: |
|---|---|---|---|
| Dairyland | October 5, 2024 | 5 | "I'll be saving about $100 a month by switching, so I'm excited for that :) " -Danny |
| AAA | October 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 |
| Esurance | September 29, 2024 | 5 | "It’s affordable but not the most comprehensive insurance. So I recommend for new drivers. " -Edna |
| Infinity | September 27, 2024 | 4 | "It have lots of options to pick through " -Marian |
| Commonwealth Insurance | September 27, 2024 | 5 | "Great insurance but a little pricey " -Estelle |
Last Updated Oct 14, 2024
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.
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:
- $50,000 of bodily injury liability coverage 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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 | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $622 | Ina, 48 Abilene, KS | Hyundai Sonata ECO |
• State Minimum Liability • Comp / Collision | Nationwide | $143 | Jerome, 40 | Toyota Corolla L |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $167 | Allie, 34 Westmoreland, KS | Nissan Rogue S |
• 50,000/100,000 Liability • Comp / Collision | AAA | $79 | Minnie, 65 Edna, KS | Ford Escape SE |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $90 | Willie, 41 | Subaru Forester Sport |
Last Updated Oct 13, 2024Kansas 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.
How do different factors impact your car insurance costs in Kansas?
How do different factors impact your car insurance costs in Kansas?
Allowed (with applicable limitations): Age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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 Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $115 | Elmer, 33 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | AAA | $470 | Jackson, 21 | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Safeco | $161 | Lottie, 21 | • State Minimum Liability |
Last Updated Oct 13, 2024Over 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:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
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.
Della (45 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$73
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 Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $450 | Edna, 23 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $174 | Fannie, 37 | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | AAA | $162 | Olivia, 37 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $208 | Bessie, 24 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | State Auto | $438 | Jeremiah, 21 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 12, 2024FAQ
Is Kansas a no-fault state?
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.
MORE:
Kansas car accident laws
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.
Mary (28 years old)
$165
per month
Lee (23 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$136
per month
Ronald (31 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$124
per month
Gainsco
Brian (67 years old)
$184
per month
Mitchell (22 years old)
Not Currently Insured
Coverage100,000 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.
Alejandro (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$152
per month
Willie (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$191
per month
Ada (24 years old)
$162
per month
Bobby (23 years old)
$239
per month
Gainsco
Gordon (24 years old)
$223
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
.Estella (65 years old)
$126
per month
Peter (72 years old)
$148
per month
Charlotte (69 years old)
$78
per month
Tony (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Scott City, KS$98
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:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
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.
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.
Phillip (41 years old)
2004 Chrysler Pacifica
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Burlington, KS$82
per month
Frank (42 years old)
$86
per month
Dustin (38 years old)
2003 Ford Explorer Sport Trac
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$117
per month
Philip (22 years old)
2003 Ford Explorer NBX
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Spring Hill, KS$153
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.| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Winfield, KS | Jeremiah, 74 | Progressive | $140 | Chrysler Town & Country LMT | • State Minimum Liability • Comp / Collision |
| Salina, KS | Derrick, 38 | Nationwide | $117 | Ford Explorer Sport Trac | • 100,000/300,000 Liability • Comp / Collision |
| Hutchinson, KS | Viola, 23 | AAA | $113 | Chevrolet Cruze LT | • State Minimum Liability |
| Augusta, KS | Isabelle, 41 | Travelers | $90 | Subaru Forester Sport | • 100,000/300,000 Liability • Comp / Collision |
| Wichita, KS | Mitchell, 32 | Bristol West | $175 | Hyundai Elantra ECO | • 50,000/100,000 Liability • Comp / Collision |
| Shawnee, KS | Ruby, 38 | State Auto | $79 | Toyota Prius | • State Minimum Liability • Comp / Collision |
| Wichita, KS | Dorothy, 24 | Gainsco | $223 | Ford Escape XLT | • 25,000/65,000 Liability |
| Emporia, KS | Mike, 33 | Clearcover | $62 | Mitsubishi Eclipse GS | • State Minimum Liability |
| Manhattan, KS | Winifred, 30 | Mercury | $95 | Jeep Compass Latitude | • 50,000/100,000 Liability |
| Olathe, KS | Tillie, 34 | Commonwealth Insurance | $98 | Chevrolet Sonic LT | • 30,000/60,000 Liability |
| Galena, KS | Gordon, 23 | Dairyland | $140 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Last Updated Oct 11, 2024How 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
Kianna Walpole
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.
Sarah Gray
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.
Josh Damico
Head Of Insurance Operations
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.
Learn more
about our editorial standards, and our expert review board *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.