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Kansas Minimum Auto Insurance Requirements, Affordable Insurer Comparison, & City Best Rate Advantage

Kansas is a no-fault state. All no-fault states need their motorists to carry Personal Injury Protection (PIP) to pay each insured motorist’s hospital charges, lost salary and death benefits with no regard for who was responsible in an accident.

Dependent on a person’s healthcare insurance, the State of Kansas may need its residents to maintain only the minimum PIP policy in the quantity of:

  • $4500 for medical expense and rehabilitation benefits

  • $900 a month for disability

  • $25 for in-home care

  • $2000 for funeral expenses

  • $900 a month for survivor benefits

As with most no-fault state there are exceptions where the cost of medical car for a person injured during an accident. Since the exceptions are possible in the state of Kansas there is minimum coverage required too.

KS cheapest premium rate choice for 25 year old.

Note: The most affordable carriers for a 25 year old are Farmers, Auto-Owners, and American Family. The illustrated female driver owned a 2014 Honda CR-V, good driving history, and decent credit. For more information please see rate table below.

Kansas Minimum Car Insurance Requirements

CoverageKS Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$50,000
Uninsured Motorist Coverage*$25,000 / $50,000$100,000 / $300,000
Underinsured Motorist Coverage*Combined with Uninsured Motorist Combined with Uninsured Motorist
Medical PaymentsOptional$5,000 limit
Personal Injury Protection$4,500 per person $4,500 per person
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Bodily Injury Liability

Covers hospital charges if the insured party is discovered to be at-fault in a car accident. When the minimum policy is held, the insurer will pay up to $25,000 if a single individual is concerned up to $50,000 for multiple passengers per accident.

Kansas lowest premium options for 30 year old.

Note: As illustrated, the quotes for a 30 year old driver clustered between $987 and $1,089 per year. The cheapest is Farmers, then Auto-Owners, followed by American Family. Please see rate table below.

Property Damage Liability

Helps pay for damages to the other person’s car as well as any public or private property, such buildings, doors, and traffic signs, that might be damage in an accident. Minimum coverage allows for insurance firms to pay $10,000 for a single event.

The set limit for the state of Kansas is 25/50/10 and the numbers represent (in thousands) and are followed respectfully as mentioned above.

Inexpensive premium choices for 35 year old driver.

Note: A 35 year old with good driving history should be able to get quotes lower than $900 per year. The lowest is Farmers at $866.  Auto-Owners and American Family clustering below $900 at $887 and $892 respectfully.

Best Insurers by Consumer Rating, Complaints, & Rate Change over 18 Months

KS CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Safeco$45,881,479+2.3%243.9
MetLife$65,688,047+2.1%74.0
Nationwide$29,314,800+2.1%74.2
Liberty Mutual$65,319,534+1.8%434.4
Farm Bureau Mutual$129,883,591+2.2%23.8
Travelers$33,794,267+2.0%114.3
Traders$6,923,744 +2.8%113.8
Nationwide$29,115,875+1.6%94.3
State Farm$314,483,303 +2.3%684.4
USAA$70,458,451+1.7%164.5
American Family$89,761,971+2.1%834.2
Progressive$267,698,586+2.0%94.4
Shelter$49,854,328+2.4%113.9
Allstate$222,963,723 +1.8%64.4
Farmers$128,709,120+1.9%604.3
Key Company$15,946,573+2.8%283.6
GEICO$68,118,333 +2.2%534.5
Encompass$95,678,893+3.1%213.8

Uninsured Motorist Coverage Requirements

Kansas is a state where uninsured motorist protection is a requirement. This type cover will pay for your medical expense in the event you are in an accident with an uninsured motorist. On the other hand, if your healthcare benefits are high enough you could be exempt from carrying UM insurance.

Affordable auto premium prices for 40 year old.

Note: Out of the 5 carriers illustrated 4 of them clustered between $790 and $810 for a 40 year old. Farmers being the cheapest at $790.

Comprehensive & Collision Coverage

It is highly recommend to consider comprehensive coverage for any unforeseen accidents such as natural disasters, such as tornadoes which are common in the state of Kansas.

With this coverage you will be protected up to a certain amount for any type of “non-collision” type of accident. Collision cover is another option to consider and if you have financed your vehicle you will be required to show collision cover to the bank.

Low-cost premium price choice for 45 year old.

Note: As illustrated, a 5 carriers clustered between $632 and $680 for a 45 year old driver. Farmers and American Family are the most affordable at $632 and $644 respectfully.

Cheapest Insurers by Age & Company

RankKS Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Farmers$1,212$987$866$790$632$497
2Auto-Owners$1,256$1,003$887$822$659$485
3American Family$1,276$1,032$892$809$644$487
4GEICO$1,295$1,044$910$821$676$500
5Farm Bureau Mutual IA Group$1,319$1,089$912$809$680$508
6State Farm$1,327$1,099$955$810$700$509
7Nationwide$1,332$1,121$947$832$690$528
8Shelter$1,357$1,137$959$833$711$529
9Progressive$1,337$1,144$950$844$730$527
10Allied$1,370$1,154$968$860$726$548
11Allstate$1,400$1,176$970$865$733$612
12Travelers$1,421$1,187$970$869$734$590
13Encompass$1,465$1,190$978$897$756$596
14MetLife$1,468$1,200$980$890$766$632
15Safe Auto$1,568$1,231$1,043$865$769$648
16Liberty Mutual$1,589$1,276$1,044$879$800$675
17Amica$1,643$1,266$1,075$895$789$689
18Hanover$1,732$1,327$1,087$899$803$690
1921st Century$1,821$1,422$1,121$912$801$698

Cheap premium prices for 55 year old driver

Note: A 55 year old driver can find cheap rates below $500 per year with good driving history. Out of the 5 carriers we queried the most inexpensive is Auto-Owners at $485.

Gap or Loan  Lease Coverage

If your vehicle is financed you may want to consider the cost of Gap insurance which is going to cover the value of your vehicle and what is left over or the “gap” from financing the car. More information about Gap insurance here.

Average Rate by City in Kansas

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Andover
$1,19012,265Kansas City$1,387148,483Olathe$1,311131,885
Arkansas City$1,23112,305Lansing$1,12111,642Osewgo$1,1321,744
Derby$1,25523,047Lawrence$1,15490,811Ottawa$1,17612,482
Dodge City$1,18828,159Leavenworth$1,17635,891Overland Park$1,190181,260
El Dorado$1,15412,852Leawood$1,18232,991Parsons$1,21010,164
Emporia$1,30924,799Lenexa$1,30150,344 Pittsburg$1,03220,398
Garden City$1,26926,966Liberal$1,27620,956Prairie Village$1,06521,892
Gardner$1,14320,473Manhattan$1,23656,143Salina$1,09847,846
Great Bend$1,17615,901McPherson$1,20513,322Shawnee$1,08764,323
Hays$1,23721,038Merriam$1,12211,281Topeka$1,365127,679
Junction City$1,26825,388Newton$1,11119,117Wichita$1,490386,552

Wichita, KS

Wichita cheap premium options for 30 and 45 year old.

Wichita is the largest city in the state with nearly 400,000 residents. Originally settled by Wichita Indians during the Civil War, the area attracted white settlers who formed trading posts near the river junction. Wichita quickly became a key stop along the cattle-drive route known as the Chisholm Trail.

The arrival of railroads in 1870’s brought additional prosperity, making Wichita a commercial center for cattle and agricultural products.

Today, Wichita is the commercial and industrial center of the state. Known as the air capital of the world, Wichita is home to Airbus, Boeing, Bombardier, Cessna and Raytheon. Other important segments of the city’s economy now include consumer goods, electronics and high-technology industries.

To find the lowest rates in Wichita start by getting quotes from Farmers, Auto-Owners, and American Family. Each at $911, $934, and $987 for a 30 year old driver. Which is 36% lower than the citywide “mean” rate of $1,490. GEICO and Farm Bureau Mutual should not be ruled out since both insurers are well below the average rate.

One insurer we queried is less than $700 for a 45 year old driver – Farmers at $690 per year for full coverage. Auto-Owner’s is 38% lower than the “mean” rate at $743. American Family is 34% lower at $765.

For a 55 year old driver 4 insurers are less than $600 – Farmers, Auto-Owners, American Family, and GEICO. Each at $512, $532, $567, and $580 respectfully for full coverage. Out of the 7 insurers we queried the most expensive is Nationwide at $1,189 for a 30 year old, $890 for a 45 year old, and $687 for a 55 year old. Still more than 21% lower than Wichita’s average rate.

Wichita CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Farmers$911$690$512
Auto-Owners$934$743$532
American Family$987$765$567
GEICO$1,032$789$580
Farm Bureau Mutual $1,076$812$622
State Farm$1,143$832$643
Nationwide$1,189$890$687

Kansas City, KS

Kansas City lowest premium prices for 30 and 45 year old.

Kansas City is the 3th largest city in the state with nearly 160,00 residents and 500,000 in the metropolitan area. Known as the “Wheat State”, it was formed in 1868 and incorporated as a city in 1872. 

The state’s and city’s history and identity is closely tied to its agricultural roots. Farming has been critical to Kansas economy and its culture. The city and surrounding areas are known for its large volume of corn, hay, and oat crops. Originally Kansas City was a small stop on the journey west to a busy metropolitan area known for its delicious barbecue and great jazz.

Cool facts about Kansas City:

  • Has more barbecue restaurants per capita than any other US city.

  • Russell Stover, the largest maker of boxed chocolate in the world, has been based in KC since 1932.

  • The Country Club Plaza, opened in 1922, was the country’s first suburban shopping district.

  • Ignored Prohibition during the 1920s, leading to a surge of boozy jazz clubs, brothels and gambling joints.

Finding cheap auto insurance in Kansas City is easy if you get quotes from Auto-Owners, American Family, and Farmers. Each at $908, $967, and $987 respectfully for a 30 year old driver. Which is 24% lower than the citywide average rate of $1,387 per year. GEICO and Allied are approximately $100 and $150 more than the lowest insurer illustrated.

For a 45 year old the lowest are Auto-Owners ($768), American Family ($780), and Farmers ($812) for full coverage. Or more than 32% lower than the “mean” rate in Kansas City.

A 55 year old driver can find three insurers less than $600 per year. Auto-Owners, American Family, and Farmers being the three lowest. It would be smart for a 55 year old driver to get quotes from all insurers illustrated for maximum savings and optimum coverage.

Kansas City CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Auto-Owners$908$768$521
American Family$967$780$555
Farmers$987$812$578
GEICO$1,002$832$608
Allied$1,055$845$654
Nationwide$1,106$876$678
State Farm$1,132$900$690

Olathe, KS

Olathe, KS inexpensive rate premium choices for 30 and 45 y/o driver.

Olathe is the 4th largest city in the state with 136,000 residents. Known as the “Cowboy Capital of the World” it is technically a suburb of Kansas City. During the 1800’s, Olathe served as a stoppage at the Oregon Trail, the California Trail and the Santa Fe Trail.

Surrounded with beautiful scenery and state parks, some of the more notable attractions include, Shawnee Indian Mission State Historic Site, Clinton State Park, Kansas City Museum, Wyandotte County Park, Blue and Grey Park Reserve, and the Meadowbrook Country Club.

Drivers can get cheaper rates in Olathe by getting quotes from Auto-Owners, American Family, and Farmers. We queried each at $876, $904, and $945 respectfully for a 30 year old driver. Which is more than $400 in savings compared against the average rate of $1,311 per year.

A 45 year old driver can find affordable rates with Auto-Owners ($699), American Family ($706), and Farmers ($756). Each more than 30% lower than the citywide average.

A 55 year old driver can find rates below $600 with 4 insurers – GEICO, Auto-Owners, American Family, and Farmers. The cheapest is American Family at $521 followed by Auto-Owners at $531 per year. Far lower than the “mean” rate over $1,300.

Olathe CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
Auto-Owners$876$699$531
American Family$904$706$521
Farmers$945$756$548
GEICO$985$789$580
Allied$1,006$805$606
Nationwide$1,065$824$643
State Farm$1,102$854$665

Topeka, KS

Topeka affordable rate prices for 30 and 45 y/o driver.

Topeka is the 5th largest city in the state with approximately 130,000 residents. The city is known for the civil rights case Brown v. Board of Education. In 1951 when Linda Brown was responsible for eliminating the standard of “separate but equal.” One of the most historic moments in the civil rights movement during the 1950’s and 1960’s. The decision hastened integration throughout the country, especially among the southern states.

Today, arts and culture flourish in Topeka. Nearly every night there are performances at the Topeka Performing Arts Center, the Topeka Civic Theatre, the Helen Hocker Performing Arts Center in Gage Park,  or Terrance McKerr’s Theater Pub. Topeka is a huge center for great music, whether it be rock, jazz, or blues.

For classical music buffs, The Topeka Symphony Orchestra provides great entertainment with its 80 member professional orchestra.

Getting lower rates in Topeka is easy if you know where to get quotes from. Start with American Family which is the lowest at $965 per year for a 30 year old driver. Which is over $400 in savings when compared against the citywide “mean” rate of $1,365.

Farmers is second on our list at $987 or approximately 27% lower than the average rate. Followed by Auto-Owners at $1,032 or 26% lower than the “mean” rate for a 30 year old.

For a 45 year old the cheapest quotes are with American Family at $844, Farmers, $876, and Auto-Owners at $890. All three insurers are more than 30% lower than the citywide average rate. GEICO and Allied should not be ruled out either since both insurers are at least 25% lower than the “mean” rate in Topeka.

For a 55 year old driver 3 insurers are less than $700 per year for full coverage. American Family ($639), Farmers ($659), and Auto-Owners ($678) all three are nearly 40% lower with more than $6000 in savings per year.

Topeka CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
American Family$965$844$639
Farmers$987$876$659
Auto-Owners$1,032$890$678
GEICO$1,065$943$704
Allied$1,148$959$754
Progressive$1,133$987$769
State Farm$1,187$990$790

Lawrence, KS

Lawrence, KS lowest insurer price comparison for 30 and 45 y/o driver.

Lawrence is the 6th largest city in the state with nearly 100,000 residents. Lawrence was settled by New Englanders in the 1800’s which opposed slavery.

Today, as a college town with a rich history, Lawrence offers a wide array of attractions in the cultural, artistic, historical, and recreational categories.

Downtown Lawrence always has a lively atmosphere and is filled with restaurants, galleries, quaint coffee shops, and music venues. For outdoor enthusiasts, a variety of mountain biking venues exist in the area, including trails near the Kansas River and at Clinton Lake. Clinton Lake also has areas for boating, swimming, fishing, and camping.

Other notable attractions include, Art in the Park, Lawrence ArtsFest, Maple Leaf Festival, Downtown Outdoor Sculpture Exhibition, The University Theatre, and the Kansas University Jazz Ensembles.

The average car insurance rate in Lawrence is $1,154 per year. If you want to save start by getting quotes from American Family ($865), Farmers ($890), and Auto-Owners ($969). All three are 24% lower than the citywide “mean” rate for a 30 year old driver.

For a 45 year old driver we found one insurer less than $700 per year – American Family at $690. Farmers was approximately $60 more per year at $754, followed by Auto-Owners at $769. GEICO and Allied are more than $800 and $900 per year respectfully for full coverage in Lawrence.

For a 55 year old driver the cheapest rate is with American Family at $501, followed by Farmers at $548, then Auto-Owners at $569. Out of the 7 insurers we queried the highest was State Farm at $1,146 for a 30 year old, $1,003 for a 45 year old, and $774 for a 55 year old driver.

Lawrence CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
American Family$865$690$501
Farmers$890$754$548
Auto-Owners$969$769$569
GEICO$1,006$842$620
Allied$1,076$905$654
Progressive$1,128$987$706
State Farm$1,146$1,003$774

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
420 SW 9th St, Topeka, KS 66612
(785) 296-3071
5110 Speaker Rd, Kansas City, KS 66106
(913) 371-8238
1873 W 21st St, Wichita, KS 67203
(316) 337-6066
WebsiteWebsiteWebsite

Final Thoughts

At Autoinsuresavings we know how important it is to save money, but at the same time you want to be sure you are protected with proper cover when you need it most. Feel free to use our comparison tool at the very top of the page to find the lowest premium for your driving needs.

Sources

http://www.ksinsurance.org/autohome

https://kansasmoney.gov/posts/auto-insurance-faqs

http://www.kansasins.com/

https://www.nationwide.com/kansas-auto-insurance.jsp

https://www.libertymutual.com/auto/car-insurance-coverage/kansas

https://www.farmers.com/kansas/

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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