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.
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.
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 |
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 |
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
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.
