The best car insurance in Kansas

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Published November 19, 2021

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Car insurance in Kansas costs an average of $1,604 per year, but rates fluctuate depending on where you live in the state. Drivers in Kansas City pay an average of $1,803 per year for full coverage auto insurance, while in Salina, the same coverage costs $1,406 a year.

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The best way to make sure you’re getting affordable coverage is to shop around and compare quotes before you buy a policy. Policygenius can help you see options from top companies, so you can choose the coverage that’s best for you.

Key Takeaways

  • USAA has the cheapest car insurance in Kansas at an average cost of $912 per year

  • Kansas is a no-fault state, which means each driver is responsible for covering their own medical bills after an accident 

  • Kansas requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability coverage

  • Personal Injury Protection (PIP) and uninsured/underinsured motorist coverage are also required in Kansas

Cheapest car insurance companies in Kansas

Car insurance rates are based on everything from your age to your credit score to your driving history, but rates can also vary from company to company. That’s why it’s so important to compare options before you buy a car insurance policy.

Company

Average cost

JD Power Rating

USAA

$912

890

GEICO

$1,077

871

State Farm

$1,147

881

American Family

$1,320

862

Iowa Farm Bureau

$1,405

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Cheapest car insurance companies by age in Kansas

Teenage drivers are almost always expensive to insure, because their inexperience behind the wheel means they’re more likely to have an accident and file a claim. Fortunately, the price tag goes down with experience, and young drivers can expect to see more affordable premiums over time.

Age

Cheapest company

Average cost

16

American Family

$3,285

18

American Family

$2,650

21

USAA

$1,356

25

USAA

$1,058

30

USAA

$955

35

USAA

$916

45

USAA

$866

55

USAA

$823

Choosing the right car insurance company in Kansas

There’s no one right car insurance company — when it comes to car insurance, the best car insurance company for you is the one that offers the best coverage at the lowest rates. And the only way to find out which company that is is to compare options before you buy.

Policygenius can show you what you’ll pay with top car insurance companies, so you can feel confident about your choice.

Car insurance rates for drivers with driving violations in Kansas

One of the biggest factors in calculating your insurance rates is your driving record. If you have a violation on your record that might raise your rates, shop around with different companies to make sure you’re finding the most affordable coverage possible.

Violation

USAA

GEICO

State Farm

American Family

Iowa Farm Bureau

At-fault Accident

$1,353

$2,129

$1,326

$2,056

$2,060

DUI

$2,270

$4,018

$1,250

$1,835

$3,228

Driving with a suspended license

$2,151

$1,421

$1,250

$2,244

$3,228

Driving with an open container

$1,324

$1,421

$1,250

$1,835

$1,710

Driving with expired registration

$1,186

$1,160

$1,250

$1,441

$1,710

Driving without Lights

$1,186

$1,421

$1,250

$1,441

$1,710

Failure to show documents

$1,186

$1,160

$1,250

$1,441

$1,710

Failure to stop at a red light

$1,186

$1,421

$1,250

$1,835

$1,710

Cheapest car insurance for drivers with bad credit in Kansas

As with your age and driving history, insurers look at your credit report to determine risk. A lower credit score usually means you’ll pay more for car insurance, while a higher credit score means better rates.

Company

Rates for drivers with bad credit

GEICO

$1,658

USAA

$1,748

Nationwide

$2,030

Iowa Farm Bureau

$2,417

American Family

$2,507

Car insurance costs in Kansas cities

Where you live in Kansas will affect what you’ll pay for car insurance. Car insurance costs vary based on local factors like crime rates, numbers of accidents and claims, and even the cost of car repairs in your area. Here’s what drivers pay for coverage in the 10 biggest cities in Kansas:

  • Wichita: $1,701

  • Overland Park: $1,491

  • Kansas City: $1,803

  • Olathe:    $1,477

  • Topeka: $1,550

  • Lawrence: $1,455

  • Shawnee: $1,485

  • Lenexa: $1,480

  • Manhattan: $1,427

  • Salina: $1,406

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Buying car insurance in Kansas

At least a minimum amount of car insurance is required In Kansas, but most drivers need more than the minimum required amounts to be protected. All Kansas drivers must have the following amounts of coverage:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

  • Personal injury protection (PIP): $4,500 per accident

  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Kansas is a no fault state, which means that if you’re hurt in accident, you file claims for your injuries with your own car insurance, even if another driver was at fault (this is what your PIP coverage is for).

How to get cheap car insurance in Kansas

Car insurance in Kansas can be expensive, but there are some simple tips for finding your best rates: 

  • Shop around: One company may charge you more than another, so compare quotes to find your best rates.

  • Ask about discounts: Safe drivers can get a discount for having a clean record, while drivers who pay their yearly premiums in full or go paperless can also save.

  • Bundle policies: Buy home and auto insurance together from the same company and save on both policies.

Frequently asked questions

How does the kind of car I drive affect my premium?

Insurance companies look at the make and model of your car because if you get into an accident, it costs more to repair an expensive car than a cheap one. Cars with safety features that can help you avoid accidents may also mean cheaper rates.

Will an accident that wasn’t my fault make my rates go up?

Many insurers will not penalize drivers for a not at-fault accident, because a not-at-fault accident doesn’t necessarily mean you’re more likely to file a claim in the future.

What can I do to improve my credit score?

If bad credit is causing you to pay more for insurance, there are a few things you can do to improve your score, such as making sure there aren’t any errors on your report, paying your bills on time, and requesting higher credit limits.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.