Cheapest Car Insurance in Kansas (2025)

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Cheapest Car Insurance in Kansas (2025)

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Key Takeaways
  • Kansas requires you to have $25,000/$50,000/$25,000 liability and $25,000/$50,000 for UM/UIM coverage.
  • Kansas is a no-fault state, requiring drivers to carry personal injury protection (PIP) coverage.
  • The cheapest quote for a 20-year-old Kansan is over twice as expensive as a quote for a 36 and 65 year old driver.

The cost of car insurance continues to rise in Kansas, and across the nation. Finding cheap rates nowadays can be hard, but it’s possible to save on your policy by shopping for quotes from multiple insurers. 

As a baseline, the average full coverage insurance cost in Kansas is $266 per month. That’s 24% lower than the national average of $340.

Keep in mind that the state’s minimum coverage is around $120 annually, according to a Jerry analysis, and that Kansas law requires drivers to have an insurance policy with a liability minimum of $25,000/$50,000/$25,000.

Let’s break these requirements down.

Liability CoverageCoverage LimitsProtects Against
Bodily injury per person$25,000Pays for accident-related injuries caused by your car to other drivers and passengers.
Bodily injury per accident$50,000Pays for bodily injuries done to others caused by your car, per crash.
Property damage per accident$25,000Pays for damage caused to someone else’s property with your car, per crash.

Kansas is among the 20 states and the District of Columbia that require drivers to have coverage for uninsured/underinsured motorists (UM/UIM). The minimum requirement is “25/50,” or $25,000 per person and injury per accident and $50,000 for property damage per accident involving an uninsured/underinsured motorist. Under Kansas law, this coverage is baked into the policy. 

Cheapest minimum coverage insurance in Kansas

Kansans need to shop around to get the best insurance prices and generally you’ll pay the lowest prices if you only opt for state minimum coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $74 $888
Progressive $103 $1,233
Dairyland $112 $1,348
Bristol West $120 $1,435
The General $134 $1,602
First Acceptance $144 $1,728
Root $147 $1,763
National General $154 $1,846
Gainsco $155 $1,862
Last Updated Feb 12, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Cheapest full coverage insurance in Kansas

For greater protection, you might want to consider getting full coverage. Check out the prices for full coverage in Kansas Jerry customers have been quoted:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Assurance America $112 $1,345
AAA $125 $1,502
Safeco $180 $2,160
Progressive $195 $2,336
Root $221 $2,647
National General $288 $3,452
Dairyland $295 $3,544
Bristol West $327 $3,923
The General $329 $3,952
Last Updated Feb 12, 2025

Cheapest car insurance for young drivers in Kansas

Young drivers in Kansas tend to pay the highest auto insurance prices, but auto insurance prices start dropping as drivers get into their early 20s.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $281 $3,375
21-24 $256 $3,067
Last Updated Feb 12, 2025

Cheapest liability-only policy in Kansas for a 20 year old

Based on our data, here are the cheapest rates for a 20-year-old in Kansas for liability-only coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Dairyland 20 $159 $1,908
National General 20 $176 $2,117
The General 20 $186 $2,226
Progressive 20 $196 $2,358
Bristol West 20 $228 $2,731
Last Updated Feb 12, 2025

Cheapest full coverage policy in Kansas for a 20 year old

Here are the cheapest insurers and their rates for a 20-year-old in Kansas for full coverage:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 20 $406 $4,873
Dairyland 20 $536 $6,437
National General 20 $744 $8,930
Bristol West 20 $760 $9,121
The General 20 $1,044 $12,528
Last Updated Feb 12, 2025

Average car insurance for mature drivers in Kansas (25-54 years old)

Rates start dropping for Kansans as they rack up the years:

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $210 $2,524
35-44 $156 $1,873
45-54 $153 $1,838
Last Updated Feb 12, 2025

Cheapest liability-only policy in Kansas for a 36 year old

The average Jerry customer is 36 years old. Check out the cheapest policies for a 36-year-old Kansan with a liability-only policy:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bristol West 36 $82 $984
Progressive 36 $92 $1,103
Dairyland 36 $95 $1,144
The General 36 $116 $1,389
National General 36 $145 $1,746
Last Updated Feb 12, 2025

Cheapest full coverage policy in Kansas for a 36 year old

If you’re a 36-year-old Kansan looking for full coverage, these rates reflect the cheapest quotes Jerry customers have gotten:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 36 $153 $1,840
Safeco 36 $182 $2,188
Dairyland 36 $198 $2,378
The General 36 $229 $2,754
National General 36 $293 $3,518
Bristol West 36 $308 $3,701
Last Updated Feb 12, 2025

Average car insurance for older drivers (55+ years old)

Kansans between 55-64 pay the lowest insurance rates compared to all other age groups, but that insurance rates start rising as one heads north of 65.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $138 $1,653
65+ $147 $1,767
Last Updated Feb 12, 2025

Cheapest liability-only policy in Kansas for a 65 year old

Check out the cheapest liability-only policy for Kansans who are 65 years old.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $64 $765
Bristol West 65 $72 $865
Dairyland 65 $84 $1,005
National General 65 $133 $1,594
The General 65 $162 $1,946
Last Updated Feb 12, 2025

Cheapest full coverage policy in Kansas for a 65 year old

A 65-year-old Kansan looking for full coverage might want to get quotes from different insurers as the cheapest insurer for a liability-only policy isn’t always the cheapest insurer for full coverage.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 65 $104 $1,253
Progressive 65 $166 $1,996
Dairyland 65 $185 $2,224
National General 65 $238 $2,853
The General 65 $326 $3,911
Bristol West 65 $363 $4,350
Last Updated Feb 12, 2025

Average car insurance for drivers with clean records in Kansas

Here’s the average quote that our customers in Kansas pay when they have a no violations or claims.

Avg Monthly Quote
Avg Annual Quote
State
$174 $2,085 KS
Last Updated Feb 12, 2025

Insurers that provide the lowest average monthly quote for Kansans with a clean record include the following:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
State
AAA $79 $952 KS
Aspire Advantage $90 $1,079 KS
Progressive $136 $1,636 KS
Safeco $143 $1,718 KS
Dairyland $175 $2,105 KS
Bristol West $188 $2,259 KS
Gainsco $189 $2,266 KS
Root $194 $2,329 KS
The General $196 $2,356 KS
National General $214 $2,564 KS
Last Updated Feb 12, 2025

Average car insurance for drivers with low credit scores in Kansas

If you have a low credit score, these companies will often give you the best rates:

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage <550 $90 $1,079
Progressive <550 $158 $1,897
Safeco <550 $165 $1,979
Dairyland <550 $182 $2,185
Anchor General <550 $205 $2,464
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents in Kansas

An accident will cause your average monthly quotes to rise, as you can see below:

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $208 $2,495
At Fault With No Injury $235 $2,825
Not At Fault $202 $2,422
$174 $2,093
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Kansas

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Commonwealth Insurance At Fault With No Injury $109 $1,312
Assurance America At Fault With No Injury $112 $1,345
First Acceptance At Fault With No Injury $144 $1,728
Progressive At Fault With No Injury $187 $2,248
Safeco At Fault With No Injury $199 $2,384
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Kansas

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Dairyland At Fault With Injury $127 $1,525
Bristol West At Fault With Injury $183 $2,200
National General At Fault With Injury $184 $2,207
The General At Fault With Injury $268 $3,221
Progressive At Fault With Injury $416 $4,994
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with a speeding ticket in Kansas

Speeding is expensive because it will cause your insurance quotes to rise. Kansans who have a speeding ticket over 15mph would see an even larger increase in their auto insurance prices:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding over 15 $319 $3,832
Speeding under 15 $190 $2,277
Last Updated Feb 12, 2025

Nonetheless, shopping around can help you reduce the cost of getting auto insurance even if you have a speeding ticket:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $135 $1,624
Progressive $153 $1,835
Dairyland $179 $2,145
Anchor General $205 $2,464
National General $240 $2,883
Bristol West $244 $2,923
The General $291 $3,489
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with a DUI in Kansas

Getting a DUI in Kansas could cause your insurance rates to rise by a few hundred dollars a year, on average:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
DUI $220 $2,639
$188 $2,258
Last Updated Feb 12, 2025

If you want to keep your auto insurance rates low with a DUI on your record, consider shopping around for the lowest rates:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Dairyland $134 $1,611
Bristol West $171 $2,050
National General $209 $2,512
Progressive $224 $2,690
The General $503 $6,038
Last Updated Feb 12, 2025

Average Car Insurance for Drivers with Other Violations in Kansas

Other violations will cause different increases in auto insurance costs:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $147 $1,762
Defective Equipment $434 $5,212
Driving on Sus. License $147 $1,767
Eluding Police $104 $1,251
Failure to Obey Traffic Sign $252 $3,024
Illegal Turn $132 $1,583
Improper Passing $186 $2,232
Other $240 $2,885
Suspension $145 $1,737
Last Updated Feb 12, 2025

Is Kansas a no-fault state?

Kansas is a no-fault state that requires drivers to carry personal injury protection (PIP), which helps cover medical expenses and lost wages regardless of who is found at fault in an accident. 

Kansas’ PIP requirements don’t have maximum coverage limits but do specify the minimum coverage for different benefits. Those minimums are:

  • Medical expenses: $4,500 per person per accident.
  • Rehabilitation expenses: $4,500 per person.
  • Lost wages: $900 monthly for up to 12 months.
  • In-home services: $25 daily for up to 365 days.
  • Survivor death benefits: $2,000 for funeral expenses and potentially the pay of lost wages per surviving dependents.

Drivers can purchase PIP insurance with higher limits if they desire to have more coverage than Kansas’ minimum. 

Find full coverage auto insurance in Kansas

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

The minimum state requirements may not provide adequate protection in a severe crash, as medical bills, repairs and parts are all increasing in expense. 

While having minimum coverage costs less than full coverage premiums, you may pay more down the line if you cause and are found responsible for an accident. The other party or parties can file a lawsuit against you and your assets if their bills related to the accident exceed your policy’s limit. 

Full coverage car insurance in Kansas includes both comprehensive coverage and collision coverage, which tend to have deductibles.

  • Comprehensive coverage helps pay for damages that are not caused by a collision with another vehicle such as theft, vandalism, fire and severe weather. 
  • Collision coverage helps pay for repairs related to a crash with another car or cars.

Tips for lowering your car insurance in Kansas

Drivers in Kansas can take several steps to reduce your auto insurance premiums:

  • Shop around to compare quotes from multiple insurers and find the best cheap option.
  • Bundle policies for your home, life, and auto insurance from the same company.
  • Choose higher deductibles to lower the monthly premium cost.
  • Maintain a safe driving record.
  • Take a defensive driving course to potentially earn a discount.
  • Pay your policy in full.

Overall, the best way to save on your rate is to shop around throughout the year. Rates will increase even if you stay with the same insurance company, so it’s in your best interest to compare quotes from multiple insurers. 

You can avoid doing this taxing research on your own by using the Jerry app. As a licensed broker, Jerry will help you compare quotes across all carriers we serve, all in one place without giving out your personal information.

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.