Car Insurance in Kansas

Compare real Kansas car insurance rates in just 45 seconds!
Quotes from up to 45 companies · No long forms · No phone calls
TABLE OF CONTENTS
  • How Much is Car Insurance in Kansas?
  • Real Quotes for Jerry.ai Customers in Kansas
  • The Cheapest Car Insurance in Kansas
  • Most Popular Insurance Companies in Kansas
  • Cost to Insure Different Cars in Kansas
  • Car Insurance Laws in Kansas
  • Car Registration Information in Kansas

Looking for car insurance in Kansas? Here you’ll find all the information you need on driving a car in The Sunflower State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Wichita or Overland Park, Kansas City or Olathe — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Kansas car insurance.

How Much is Car Insurance in Kansas?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Kansas, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Kansas pay $2,203.11 each year for car insurance. This means drivers in Kansas pay 25% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

Compare cheapest car insurance in Kansas
Compare cheapest car insurance in Kansas
Find savings (100% Free)
logos

What’s Your Rate?

But how do you know what policy is right for you in Kansas? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Kansas, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Kansas

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-02-04
  • Chrysler 300c
22 year old maleNationwide$120.55$29.46Standard
2021-01-10
  • Hyundai Accent Gls
22 year old femaleProgressive$145$15Preferred
2021-01-28
  • Kia Sorento Lx
  • Hyundai Accent Se
  • Dodge Journey Se
  • Kia Sedona Lx
  • Ford Ranger
42 year old maleProgressive$158.33$307.67Basic
2021-02-15
  • Chevrolet Silverado K1500 Lt
  • Lexus Rx 350 Base
55 year old maleTravelers$80.83$329.17Standard
2021-01-04
  • Kia Forte Gt
25 year old maleNationwide$66.17$61.83Preferred

The Cheapest Car Insurance in Kansas

Which companies offer cheap car insurance in Kansas? Below, we’ve ranked Kansas car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

Compare cheapest car insurance in Kansas
Compare cheapest car insurance in Kansas
Find savings (100% Free)
logos

Cheapest Car Insurance in Kansas for Basic Coverage

There’s all kinds of auto insurance you can get in Kansas, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Kansas. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Kansas, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Kansas

Filters
RankCompany nameAvg. Annual Premium
1Progressive$885.56
2Bristol West$995.05

Real Jerry Quotes for Basic Coverage in Kansas

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-13
  • Kia Forte Ex
  • Chevrolet Aveo Ls
23 year old femaleProgressive$67.33$332.67
2021-01-28
  • Chevrolet Silverado C1500
21 year old maleProgressive$69.50$282.50
2020-11-19
  • Buick Enclave
  • Chevrolet Corsica
  • Ford F250 Super Duty
20 year old maleProgressive$67.83$132.17
2020-12-23
  • Chrysler 300 Limited
32 year old maleBristol West$56.33$116.67
2020-11-22
  • GMC Sierra C2500 Heavy Duty
  • BMW 328 I
  • Chevrolet Silverado K1500
  • GMC Acadia Denali
43 year old maleProgressive$110.67$164.33

Average Cheapest Car Insurance for Standard Plans in Kansas

Most drivers will want more than the basic minimum coverage that Kansas requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Kansas, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Kansas

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,342.55
2State Auto$1,382.50
3Progressive$1,475.83
4Travelers$1,670.14
5Safeco$2,630.36

Real Jerry Quotes for Standard Coverage in Kansas

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-27
  • Hyundai Sonata Gls
  • Acura Rdx Technology
36 year old maleProgressive$80.83$15.17
2020-12-11
  • Ford Fusion Se
23 year old maleProgressive$127.17$20.11
2021-02-25
  • Mazda 3
29 year old maleProgressive$76$32.17
2021-01-27
  • Ford F150 Super Cab
  • Ford Mustang
  • Ford Focus Se
  • Jeep Wrangler / Tj Se
53 year old femaleProgressive$294.17$165.83
2021-01-16
  • Chevrolet Avalanche K1500
49 year old maleKemper$67.50$72.50

Cheapest Car Insurance in Kansas for Preferred Coverage

Preferred coverage protects Kansas drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Kansas, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Kansas

Filters
RankCompany nameAvg. Annual Premium
1Nationwide$1,579.85
2Progressive$1,580.33
3State Auto$1,648.64
4Travelers$2,036.22
5Safeco$3,074.83

Real Jerry Quotes for Preferred Coverage in Kansas

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-22
  • Ford F150
29 year old maleNationwide$86.15$25.85
2020-12-16
  • Honda Accord Ex
27 year old maleProgressive$62.33$137.67
2021-02-22
  • Chevrolet Equinox Lt
44 year old femaleProgressive$86.50$35.50
2021-02-21
  • Ford Escape Titanium
30 year old femaleProgressive$65$45
2021-01-04
  • Ford Edge Sel Plus
  • GMC Sierra K1500 Slt
35 year old femaleProgressive$98.17$31.83
Insurance companyAverage annual premium in Kansas
Progressive$1,172.62
Bristol West$1,488
Nationwide$1,021.29
Safeco$1,341.10
Kemper$1,507

Cost to Insure Different Cars in Kansas

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Kansas drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Kansas. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-15
  • Ford Focus Se
21 year old maleTravelers$141.08$258.92Standard
2020-12-28
  • Chevrolet S Truck S10
20 year old maleProgressive$234.33$10.67Preferred
2021-01-20
  • Toyota Camry Hybrid
20 year old femaleProgressive$60.67$102.33Basic
2021-01-29
  • Hyundai Accent Gls
22 year old femaleProgressive$54.50$105.50Basic
2020-12-31
  • Toyota Camry L
26 year old maleTravelers$112.42$87.58Standard
2021-01-23
  • Jeep Grand Cherokee Limited
30 year old maleProgressive$66.33$57.67Preferred
2020-12-24
  • Kia Stinger Gt2
19 year old maleState Auto$211.17$26.83Preferred

Car Insurance Laws in Kansas

With more than 58,000 car accidents a year, Kansas has laws in place to ensure that the costs for injuries and property damage are covered in an accident. If you live and drive in the Sunflower State, here’s what you should know about the minimum insurance you’re required to have.

What Car Insurance Is Required in Kansas?

All motor vehicle drivers who are licensed to drive in the state of Kansas must carry a minimum amount of auto insurance coverage. They must also be able to show proof of this insurance if they are in an accident or pulled over by law enforcement.

To drive in Kansas, you must have Bodily Injury Liability (BIL). BIL pays for the other driver’s medical bills and other costs associated with a car accident you caused. BIL also pays for any lost wages suffered by the other driver due to an accident that caused by you.

Property Damage Liability (PDL) coverage pays for any property damage you cause in an accident that you are at-fault for. This protection extends to the other vehicle involved in the accident, as well as any objects, such as a fence, pole, or building, that is damaged in an accident that you are at-fault for.

Drivers in Kansas are also responsible for purchasing Personal Injury Protection (PIP) coverage. PIP coverage pays your medical expenses if you are at fault in an accident. When purchasing PIP insurance, there are a variety of minimum benefit amounts that you have to meet, including for medical expenses, lost wages, funeral expenses, and other expenses.

You must also purchase uninsured motorist coverage if you are a driver in Kansas. Uninsured motorists coverage is designed to pay for your medical bills and car damage if the at-fault driver is not insured. In the same way, underinsured motorist insurance pays for your medical expenses and property damage if the at-fault driver does not have enough coverage to pay for everything.

Can You Drive a Car Without Insurance in Kansas?

If you are a driver in Kansas, you must, by law, have a minimum amount of auto insurance coverage on your vehicle. Failure to have this insurance or to show proof of insurance when pulled over or following an accident can result in various penalties and fines. When presenting proof of insurance, you can do so with either physical or electronic proof.

Penalties for a first offense include a $300 to $1,000 fine, jail time of up to six months, suspension of your license and registration, and a $100 reinstatement fee; you must also file for an SR-22 certificate and keep it on file for three years.

For a second offense, you have to pay a fine ranging from $800 to $2,500, up to one year in jail, suspension of your license and registration, a $300 reinstatement fee, and have to file an SR-22 certificate for three years.

For any additional violations, you must pay a fine ranging from $800 to $2,500, can end up in jail for one to two years, have your license revoked for three years, have to pay a $300 reinstatement fee, and have to file an SR-22 certificate for three years.

What Are the Minimum Car Insurance Requirements in Kansas?

The insurance minimum requirements are in place to help curtail the costs associated with a car accident, including medical expenses and property damage. The minimum insurance you are required to have in Kansas can be found below.

Minimum Insurance Requirements in Kansas

  • Bodily injury/per person/per accident: $25,000
  • Bodily injury/per accident: $50,000
  • Property damage liability: $25,000
  • Personal injury protection/per person/medical expenses: $4,500
  • Personal injury protection/one year for disability and loss of income: $900/month
  • Personal injury protection/in-home services: $25/day
  • Personal injury protection/funeral, burial, or cremation expenses: $2,000
  • Personal injury protection/rehabilitation: $4,500
  • Uninsured motorist bodily injury coverage/per person/per accident: $15,000
  • Uninsured motorist bodily injury coverage/per accident: $30,000

Car Registration Information in Kansas

Another thing to keep in mind is that in addition to having the required amount of insurance, you must also register your car. When buying a car in Kansas as a resident, you have 60 days to register the vehicle. When moving to Kansas, you have 90 days to register your vehicle.

Upon registering your vehicle in Kansas, you will receive a license plate for the rear of your vehicle. The license plate also has a decal in the upper right that shows the month and year that you have to renew the registration. The month when you must renew your registration is based on the first letter of your last name.

  • January 15 through February 28: Letter A
  • February 15 through March 31: Letter B
  • March 15 through April 30: Letters C, D
  • April 15 through May 31: Letters E-G
  • May 15 through June 30th: Letters H, I
  • June 15 through July 31: Letters J-L
  • July 15 through August 31: Letters M-O
  • August 15 through September 30: Letters P-R
  • September 15 through October 31: Letter S
  • October 15 through November 30: Letters T, V, and W
  • November 15 through December 31: Letters U, X, Y, and Z

Keep in mind that there is no grace period. You can renew your registration starting on the 15 of the month and have until the last day of the month to complete your registration renewal.

When registering your vehicle in Kansas, you will need to pay an initial registration fee of $42.50 for passenger vehicles weighing 4,500 pounds or less, or $52.25 for passenger vehicles weighing more than 4,500 pounds. You must also add any applicable vehicle property tax.

You can register your vehicle at your local Kansas county treasurer’s office, through the mail, online through the iKan website, or through the iKan mobile app. To get the app, visit the Google Play store or the Apple Store.

Here are the documents you need to register your vehicle in Kansas:

  • Kansas driver’s license
  • Motor Vehicle Examination Certificate — used to verify your Vehicle Identification Number (VIN)
  • Vehicle registration (if transferring from another state)
  • Proof of car insurance
  • Certificate of title (if you own the vehicle)
Compare cheapest car insurance in Kansas
Compare cheapest car insurance in Kansas
Find savings (100% Free)
logos