Cheapest Car Insurance in Kansas (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: University of California-Berkeley (BA in History)
Rob Bhatt is a licensed insurance agent and joined the staff of Lending Tree in 2021. Previously, he spent more than 20 years writing for and editing regional publications in California, Nevada and Washington. Rob enjoys helping readers understand how different coverages work so they can make informed purchasing decisions, and he specializes in producing research-backed content for LendingTree about auto, home and renters insurance. His work has been cited by ABC, Business Insider, MSN and Yahoo.
Kansas Farm Bureau and State Farm have the cheapest car insurance quotes in Kansas for most drivers. Farm Bureau has the cheapest liability insurance rates at $36 a month. State Farm is the cheapest for full coverage at $126 a month.
Cheapest full-coverage car insurance in Kansas: State Farm
State Farm has the cheapest full-coverage car insurance quotes in Kansas, averaging $1,511 a year. This works out to $126 a month, which is 24% less than the state average of $166 a month.
USAA has Kansas’ cheapest full-coverage auto insurance overall. However, USAA is only available to the military community.
| Company | Annual rate |
|---|---|
| State Farm | $1,511 |
| American Family | $1,659 |
| Geico | $1,679 |
| Nationwide | $1,784 |
| State average | $1,991 |
| Progressive | $2,157 |
| Allstate | $2,678 |
| Farmers | $2,724 |
| Farm Bureau | $2,747 |
| USAA* | $980 |
Cheap liability auto insurance: Farm Bureau
Farm Bureau is the best company for cheap liability insurance in Kansas, with rates that average $427 a year. This works out to $36 a month, which is the cheapest rate in the state and 31% less than the state average.
The average cost of liability insurance in Kansas is $616 a year, or $51 a month.
| Company | Annual rate |
|---|---|
| Farm Bureau | $427 |
| State Farm | $454 |
| American Family | $478 |
| Geico | $529 |
| Progressive | $543 |
| State average | $616 |
| Nationwide | $681 |
| Farmers | $1,047 |
| Allstate | $1,118 |
| USAA* | $271 |
Liability car insurance covers injuries and damage you cause to others in a car accident. Full-coverage car insurance includes collision and comprehensive, which cover damage to your own vehicle.
Cheapest auto insurance for young drivers in Kansas: Farm Bureau and American Family
Farm Bureau and American Family have the cheapest auto insurance quotes in Kansas for young drivers.
Farm Bureau has the cheapest liability quotes for young drivers. It charges 18-year-olds an average of $1,134 a year, or $95 a month. American Family has the next-cheapest rate at $1,360 a year, or $113 a month.
Liability car insurance for young drivers
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,134 |
| American Family | $1,360 |
| State Farm | $1,538 |
| Geico | $1,965 |
| State average | $2,124 |
| Nationwide | $2,394 |
| Progressive | $2,852 |
| Farmers | $3,030 |
| Allstate | $4,013 |
| USAA* | $828 |
American Family has the cheapest full-coverage quotes for young drivers. It charges 18-year-olds an average of $3,593 a year, or $299 a month. The next-cheapest quotes come from State Farm, $4,206 a year, and Nationwide, $5,352 a year.
Full-coverage car insurance for young drivers
| Company | Annual rate |
|---|---|
| American Family | $3,593 |
| State Farm | $4,206 |
| Nationwide | $5,352 |
| Geico | $5,900 |
| State average | $5,975 |
| Farm Bureau | $6,086 |
| Farmers | $6,624 |
| Progressive | $9,592 |
| Allstate | $9,758 |
| USAA* | $2,664 |
Cheapest rates after a speeding ticket in Kansas: State Farm
State Farm has the cheapest car insurance quotes for Kansas drivers with a speeding ticket. These rates average $1,586 a year for full coverage, or $132 a month. This is only slightly less than the next-best rate, $138 a month from American Family.
A speeding ticket raises the average price of car insurance in Kansas by 19% to $2,373 a year, or $198 a month.
Car insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,586 |
| American Family | $1,659 |
| Geico | $2,169 |
| Nationwide | $2,182 |
| State average | $2,373 |
| Progressive | $2,685 |
| Allstate | $2,963 |
| Farm Bureau | $3,421 |
| Farmers | $3,491 |
| USAA* | $1,197 |
Cheapest rates after an accident in Kansas: State Farm
State Farm has the best auto insurance quotes for Kansas drivers with a prior accident. These rates average $1,689 a year for full coverage, or $141 a month.
The next-best rate is $157 a month from American Family. In Kansas, an accident increases the average price of car insurance by 47% to $2,934 a year, or $245 a month.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,689 |
| American Family | $1,885 |
| Nationwide | $2,844 |
| State average | $2,934 |
| Geico | $3,178 |
| Progressive | $3,315 |
| Farmers | $3,974 |
| Allstate | $4,059 |
| Farm Bureau | $4,096 |
| USAA* | $1,370 |
To get your best car insurance rate after an accident, or in any situation, compare car insurance quotes from several companies before you buy a policy.
Best rates after a DUI in Kansas: American Family
American Family has the best car insurance rates in Kansas for drivers with a DUI, $1,659 a year. This works out to $138 a month, which is 30% less than the next-cheapest rate, $197 a month from Progressive.
Kansas drivers with a DUI pay an average of $3,857 for full coverage, or $321 a month. This is 94% higher than the average rate available to drivers with a clean record.
Car insurance rates after a DUI
| Company | Annual rate |
|---|---|
| American Family | $1,659 |
| Progressive | $2,359 |
| Allstate | $3,484 |
| Farmers | $3,600 |
| Nationwide | $3,673 |
| State average | $3,857 |
| State Farm | $5,292 |
| Geico | $5,884 |
| Farm Bureau | $6,463 |
| USAA* | $2,302 |
Best rates in Kansas for drivers with bad credit: Geico
Geico has the best car insurance rates for Kansas drivers with bad credit, $2,402 a month for full coverage. This works out to $200 a month, which is slightly better than the next-best rate, $216 a month from Nationwide.
Kansas drivers with bad credit pay an average of 94% more for car insurance than those with good credit. Although insurance companies check your credit when you request a quote, these soft pulls do not affect your credit score.
Car insurance rates for drivers with bad credit
| Company | Annual rate |
|---|---|
| Geico | $2,402 |
| Nationwide | $2,586 |
| American Family | $2,952 |
| Progressive | $3,564 |
| State average | $3,856 |
| Farmers | $4,125 |
| Allstate | $4,384 |
| Farm Bureau | $5,031 |
| State Farm | $7,905 |
| USAA* | $1,759 |
Kansas auto insurance rates by city
In Kansas’ largest cities, the average price of auto insurance ranges from $1,774 a year in Gardner to $2,299 a year in Dodge City.
Kansas City drivers pay an average of $2,200 a year for auto insurance, or $183 a month. This is 10% higher than the state average. The average cost of car insurance in Wichita is $2,099 a year, which is 5% higher than the state average.
Average insurance prices by city
| City | Annual rate |
|---|---|
| Derby | $1,952 |
| Dodge City | $2,299 |
| Emporia | $1,903 |
| Garden City | $2,271 |
| Gardner | $1,774 |
| Hutchinson | $1,952 |
| Junction City | $1,848 |
| Kansas City | $2,200 |
| Lawrence | $1,807 |
| Leavenworth | $1,953 |
| Leawood | $1,836 |
| Lenexa | $1,828 |
| Manhattan | $1,785 |
| Olathe | $1,812 |
| Overland Park | $1,834 |
| Prairie Village | $1,855 |
| Salina | $1,776 |
| Shawnee | $1,847 |
| Topeka | $1,892 |
| Wichita | $2,099 |
Car insurance laws in Kansas
Kansas is a no-fault state and requires proof of insurance to register your vehicle. You also have to show proof of insurance to law enforcement during traffic stops and at accident scenes.
The penalties for driving without insurance include fines and a possible suspension of your driver’s license or vehicle registration.
Minimum coverage for car insurance in Kansas
The minimum car insurance coverages required to drive legally in Kansas include:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Personal injury protection (PIP)
- Medical expenses: $4,500 per person
- Disability/loss of income: $900 per month
- In-home services: $25 per day
- Funeral, burial or cremation expenses: $2,000
- Rehabilitation expenses: $4,500
- Property damage liability: $25,000
- Uninsured motorist: $25,000 per person, $50,000 per accident
Under Kansas’ no-fault law, an accident victim’s own PIP covers their initial medical treatment, regardless of who is at fault. An at-fault driver’s liability insurance kicks in if the victim’s medical bills exceed their insurance limits.
The no-fault law only applies to injuries. Your policy’s property damage liability covers damage you cause to other people’s vehicles and property.
Uninsured motorist covers you and your passengers for injuries caused by a driver without insurance.
Collision and comprehensive are optional coverages that pay to repair damage to your own vehicle. Neither is required by law, but you usually need both for a car loan or lease. Both are also worth having for any car worth more than a few thousand dollars.
SR-22 car insurance in Kansas
You may have to get SR-22 insurance to reinstate your driving privileges after certain violations. An SR-22 is a certificate your insurance company files with the state to prove you have insurance.
Most companies add a small filing fee to your rate for SR-22 insurance. The actual price you pay for your policy depends largely on the offense that leads to the filing requirement.
SR-22 insurance is usually more expensive after a DUI than if you are caught driving without insurance.
A good way to get cheap SR-22 insurance is to shop around for the best rate. Let the companies you contact for quotes know about your SR-22 requirement upfront to get the most accurate quotes. If you don’t own a car, ask for non-owner’s SR-22 insurance.
Frequently asked questions
The average cost of car insurance in Kansas is $616 a year for liability insurance, or $51 a month. Full coverage costs an average of $1,991 a year, or $166 a month. Rates are higher for drivers with prior incidents and/or bad credit.
Farm Bureau has the cheapest minimum liability car insurance in Kansas. State Farm has the cheapest full coverage and lowest rates for drivers with a prior ticket or accident. American Family is cheapest after a DUI.
Yes. Kansas is a no-fault state. Your own car insurance covers your initial medical treatment for car accident injuries regardless of who is at fault. If you cause an accident, you’re responsible for your victim’s car repairs. You also have to cover the portion of a victim’s medical expenses that go over their insurance limits.