Best car insurance in Kansas (2024)

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Jessica OlivoFreelance contributorJessica 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.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

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Car insurance in Kansas costs an average of $1,532 per year, but rates fluctuate depending on where you live in the state. Drivers in Kansas City pay an average of $1,721 per year for full coverage auto insurance, while in Salina, the same coverage costs $1,352 a year.

Ready to shop car insurance?

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, while GEICO has the best rates for drivers not affiliated with the military

  • 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

Methodology & why you can trust our rates

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

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

$961

874

State Farm

$1,106

882

Nationwide

$1,186

868

Travelers

$1,239

854

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

Nationwide

$3,138

18

American Family

$2,666

21

USAA

$1,356

25

USAA

$1,058

30

USAA

$955

35

USAA

$916

45

USAA

$866

55

GEICO

$785

60

GEICO

$795

65

USAA

$808

70

USAA

$832

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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

Nationwide

Travelers

At-fault accident

$1,353

$1,897

$1,251

$1,995

$1,764

DUI

$2,270

$3,577

$1,183

$2,571

$1,921

Suspended license

$2,151

$1,267

$1,183

$2,571

$1,921

Open container

$1,324

$1,267

$1,183

$1,497

$1,693

Expired registration

$1,186

$1,034

$1,183

$1,497

$1,693

Driving without lights

$1,186

$1,267

$1,183

$1,497

$1,336

Running a red light

$1,186

$1,267

$1,183

$1,497

$1,693

Following too closely

$1,186

$1,267

$1,183

$1,497

$1,693

Hit and run

$2,441

$3,577

$1,183

$2,571

$1,921

Not-at-fault accident

$972

$1,204

$1,132

$1,230

$1,336

Passing a school bus

$1,324

$1,267

$1,183

$1,497

$1,711

Reckless driving

$1,324

$2,502

$1,183

$2,571

$1,711

Speeding

$1,186

$1,267

$1,183

$1,497

$1,711

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Cheapest car insurance for drivers with a DUI in Kansas

Company

Rates for drivers with DUIs

State Farm

$1,183

Travelers

$1,921

USAA

$2,270

Nationwide

$2,571

GEICO

$3,577

Cheapest car insurance for drivers with a speeding ticket in Kansas

Company

Rates for drivers with speeding tickets

State Farm

$1,183

USAA

$1,186

GEICO

$1,267

Nationwide

$1,497

Travelers

$1,711

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

$1,478

USAA

$1,748

Nationwide

$1,817

Travelers

$2,229

Farm Bureau

$2,489

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 biggest cities in Kansas:

  • Wichita: $1,617

  • Overland Park: $1,426

  • Kansas City: $1,721

  • Olathe: $1,411

  • Topeka: $1,480

  • Lawrence: $1,399

  • Shawnee: $1,418

  • Lenexa: $1,410

  • Manhattan: $1,362

  • Salina: $1,352

Ready to shop car insurance?

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.

Find car insurance in your city:

Frequently asked questions

Can you go to jail for no insurance in Kansas?

It's possible. Drivers who don't carry the state minimum required levels of car insurance can be subject to fines, having their license suspended, or jail time.

Is Kansas a tort state?

Kansas is not a tort state, they have modified comparative negligence laws instead of a tort system. Modified comparative negligence laws make it harder to sue another driver in court for accident-related expenses.

Is Kansas a no-fault or at-fault state?

Kansas is a no-fault state, which means drivers who are in an accident will file a claim with their insurance company, no matter who is at fault. No-fault states require drivers to have PIP coverage to pay for their own bodily injury claims.

How much is car insurance per month in Kansas?

Drivers in Kansas pay an average of $128 per month for car insurance, which comes to $1,532 per year.

Authors

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.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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