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Kansas Cheapest Car Insurance & Best Coverage Options

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Updated May 6th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Jennifer Benson
Licensed Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org team of licensed insurance agents found Farm Bureau Insurance at $491 per year is the cheapest of all car insurance companies in Kansas for minimum coverage auto policies.

At $1,369 annually, American Family is the cheapest car insurance company in Kansas for full coverage policies.

Best Cheap Car Insurance in Kansas

Carrying insurance in the state of Kansas is mandated by state law. However, who provides your coverage and anything above the liability insurance requirements are a matter of choice.

Cheapest Car Insurance in Kansas - Key Takeaways
AutoInsureSavings.orgThe cheapest Kansas car insurance options are:

Cheapest for minimum coverage: Farm Bureau Insurance
Cheapest for full coverage: American Family
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: American Family
Cheapest after a DUI: Progressive
Cheapest for poor credit history: Nationwide
Cheapest for young drivers: American Family
For younger drivers with a speeding violation: Farm Bureau Insurance
For younger drivers with an at-fault accident: American Family

Keep reading to learn how to save money with Kansas car insurance companies in various age groups and how to find the best auto insurance coverage for the most affordable cost.

Cheapest car insurance in Kansas with Farm Bureau Insurance, State Farm, and Progressive compared with average rates.

Cheapest Car Insurance in Kansas for Minimum Coverage

Our agents found that Farm Bureau Insurance offers the cheapest minimum coverage car insurance for Kansas drivers with a good driving record at $491 per year, which is 24% less expensive than the average cost for minimum liability from other car insurance companies in Kansas at $640 per year.

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CompanyAverage annual rate
USAA$385
Farm Bureau$491
State Farm$504
Progressive$518
Allstate$588
American Family$636
Farmers$721
Liberty Mutual$798

*USAA is for qualified military members, their spouses, and direct family members. Auto insurance rates vary depending on driver profiles.

We found the most expensive insurance providers for minimum coverage during our rate analysis are Farmers and Liberty Mutual, with an average annual quote of $721 and $798. 

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The cheapest car insurance in the state of Kansas is based on several factors. First, you must determine if you want full coverage or the state minimum coverage. Then, you must factor in your vehicle information, age, and driving history.

Minimum coverage is a liability-only policy with bodily injury and property damage liability insurance, including personal injury protection. 

Cheapest Insurance for Full Coverage in Kansas

American Family offers cheap insurance rates in Kansas at $1,369 per year or $114 per month for full coverage, 28% cheaper than Kansas’ state average rates. 

The next best is Progressive, which offers full coverage insurance rates at $1,485 per year or 21% cheaper than average rates. 

InsurerAnnual costMonthly cost
American Family $1,369$114
Progressive $1,485$123
State Farm$1,561$130
Kansas average$1,879$156

*Your rates may vary when you get a quote.

Kansas’ average premium for full coverage insurance is $1,879 per year or $156 per month.

Full coverage policies include comprehensive and collision, which reimburse property damage to your vehicle from car accidents, vandalism, or thefts.

AutoInsureSavings.org licensed insurance agents recommend drivers in Kansas with newer model vehicles to buy a full coverage policy.

Cheapest Auto Insurance for Drivers in Kansas With Speeding Tickets

Our licensed agents found American Family offers the cheapest rates for Kansas drivers with speeding tickets at $1,745 per year or a $145 monthly rate. American Family’s rate is 24% less expensive than Kansas’ average rates of $2,278 per year.

InsurerAnnual costMonthly cost
American Family $1,745$145
Progressive $1,849$154
State Farm$1,940$161
Kansas average$2,278$190

The average car insurance premium for a Kansas driver with a speeding violation is $2,278, or $399 more for auto insurance than a clean record driver. 

A minor speeding violation stays on Kansas driving records for 3 years. During those 3 years, the cost of car insurance can increase by 18%. A major violation will remain on your driving record for 5 years. 

Cheapest Insurance in Kansas For Drivers with an Accident

State Farm offers the best rate for drivers with a recent at-fault accident in Kansas, with annual auto insurance premiums at $2,154. That is $519 less than the average amount drivers pay ($2,673) for auto insurance coverage in Kansas.

InsurerAnnual costMonthly cost
State Farm$2,154$179
Progressive $2,199$183
American Family $2,268$189
Kansas average$2,673$223

The least expensive insurance coverage exists for people with clean driving records. Kansas auto insurance carriers will cover people with an accident. Kansas’ average rate for a person with a car accident on their driving record would be $2,673 per year, over $794 more than the average premium for full coverage.

Cheapest Car Insurance in Kansas for Drivers with a DUI

Progressive offers the cheapest auto insurance rates in Kanas for drivers with a DUI in their driving history at $2,115 per year. The average rate for drivers with a DUI in Kansas is $3,027, and Progressive offers savings of $912 per year.

InsurerAnnual costMonthly cost
Progressive $2,115$176
State Farm$2,305$192
American Family $2,441$203
Kansas average$3,027$252

According to the Kansas Department of Transportation, driving under the influence violation in Kansas can raise your car insurance premiums by 66%. DUI offenders in Kansas will have driving privileges suspended for 30 days and restricted for 330 days.  

Cheapest Car Insurance in Kansas for Drivers With Poor Credit

Nationwide offers the least expensive insurance premiums for Kansas drivers with a poor credit score. Nationwide provides a savings of over $524 per year or 22% less expensive, with an insurance premium of $2,474 per year.

Progressive is the second cheapest car insurance option at $2,057 per year or 17% cheaper than average Kansas poor credit rates.

InsurerAnnual costMonthly cost
Nationwide $1,950$162
Progressive$2,057$171
American Family $2,166$180
Kansas average$2,474$206

We found drivers with a bad credit score pay 32% more for coverage in Kansas than those with good credit scores during our rate analysis. Make sure to pay your credit cards and bills on time to find the best rates with Kansas car insurance. And keep an eye on your credit report.  

Cheapest Car Insurance in Kansas for Young Drivers

Younger drivers shopping for car insurance can find cheap rates in Kansas with American Family, who provided our agents with a $3,458 annual quote for full coverage. American Family’s rate is 34% cheaper than Kansas’ average younger driver rate of $5,218

Young military members can find the best car insurance with USAA at $3,117 per year for a 20-year-old driver. 

InsurerFull coverageMinimum coverage
USAA$3,117$1,165
American Family$3,458$2,117
State Farm$3,870$1,470
Farm Bureau$4,148$1,388
Allstate$5,425$1,682
Farmers$5,974$2,631
Progressive$6,327$2,549
Kansas average$5,218$1,972

*USAA is for qualified service members, their spouses, and direct family members. Rates may vary depending on driver profiles.

A teen driver who recently received their driver’s license or has been driving for less than five years is a high-risk driver.

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They tend to get more traffic tickets and have more accidents. The cost to insure a Kansas driver under 21 is significantly higher than insuring a driver over 30 with a clean driving record.

Cheapest Insurance for Young Drivers with Speeding Tickets

Young or teen drivers in Kansas should compare auto insurance quotes with Farm Bureau with a speeding ticket in their driving history. Farm Bureau provided our agents a quote at $4,190 per year or $349 per month.

Farm Bureau’s rates are 28% less expensive than average rates for young Kansas drivers.  

InsurerAnnual costMonthly cost
Farm Bureau $4,190$349
American Family $4,315$359
State Farm$4,471$372
Kansas average$5,783$481

Cheapest Car Insurance for Young Drivers in Kansas with an Accident

According to our licensed agent’s rate analysis, younger drivers with an at-fault accident can find the cheapest car insurance quotes with American Family, with an average cost of $4,211 annually or $350 per month.

American Family’s insurance rate is 34% less expensive than Kansas’ $6,329 average rate for younger drivers with an at-fault accident.

InsurerAnnual costMonthly cost
American Family $4,211$350
State Farm$4,840$403
GEICO$5,566$463
Kansas average$6,329$527

Best Auto Insurance Companies in Kansas

If we use the NAIC complaint index, J.D. Powers claims satisfaction study, and the average price for state minimum and full coverage, American Family (AmFam) is the best auto insurer in Kansas. 

Sometimes getting the most affordable auto insurer isn’t the best for quality customer service for Kansas drivers. Depending on your assets and situation, you may need to compare insurance companies with higher than average customer service and satisfaction standards.

Group% respondents overall satisfied with recent claim%respondents rated customer service as excellent
American Family (AmFam)86%50%
USAA78%62%
State Farm73%46%
Allstate72%47%
Farmers Insurance71%38%
Progressive74%34%

According to ValuePenguin, AmFam received the highest customer satisfaction ratings for Kansas car insurance. AmFam also received the highest satisfaction ratings from its customers for both claims satisfaction and the lowest NAIC complaint index of 0.45, well below the national average of 1.00.

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If we take the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power claims satisfaction score, and A.M. Best financial strength ratings, the results are similar.

InsurerNAIC complaint index J.D. Power claims satisfaction score AM Best financial strength rating
American Family0.45862A
Farmers0.49872A
Progressive0.60856A+
Allstate0.63876A+
State Farm0.66881A++

Farmers Insurance (0.49), Progressive (0.60), and AmFam (0.45) are the best-rated insurers with excellent financial strength, have a complaint ratio below the national average of 1.00 which means all three car insurance companies have fewer complaints relative to their market share. 

Average Car Insurance Costs by City in Kansas

Auto insurers use your zip code and many factors to determine your Kansas car insurance costs, as well as your credit score, marital status, type of motor vehicle, and past driving history. If you live in Kansas’s more urban areas, there is a higher chance of auto theft or being in an auto accident. Insurance companies will increase rates to account for such risk.

Cheapest Car Insurance in Wichita, KS

Drivers in Wichita can find the most affordable coverage with Farm Bureau Insurance with a $1,350 annual rate for our 30-year-old sample driver. A $1,350 quote from Farm Bureau is 39% cheaper than Wichita’s average car insurance rates.

Wichita CompanyAverage Premium
Farm Bureau$1,350
AmFam$1,467
State Farm$1,531
Wichita average$2,184

Cheapest Car Insurance in Overland Park, KS

Overland Park, KS residents, can find cheaper insurance coverage with AmFam, who provided our licensed agents a quote at $1,381 per year or a $115 monthly rate. AmFam is 27% less expensive than average rates in Overland Park, Kansas.

Overland Park CompanyAverage Premium
American Family$1,381
Farm Bureau Insurance$1,419
GEICO$1,647
Overland Park average$2,190

Cheapest Car Insurance in Kansas City, KS

Kansas City drivers can find cheap insurance with Farm Bureau, who offered us a quote at $1,463 annually or a $121 monthly rate with $500 deductibles for comprehensive and collision insurance. Farm Bureau’s insurance quote is 35% cheaper than Kansas City’s average rates at $2,247 per year.

Kansas City CompanyAverage Premium
Farm Bureau Insurance$1,463
Progressive$1,585
State Farm$1,692
Kansas City average$2,247

Cheapest Car Insurance in Olathe, KS

Drivers with clean driving history in Olathe, KS, can find the cheapest auto insurance quotes with Farm Bureau, with quotes at $1,391 per year and 31% less expensive than the average Olathe rate.

Olathe CompanyAverage Premium
Farm Bureau$1,391
Progressive$1,464
GEICO$1,577
Olathe average$2,011

Cheapest Auto Insurance in Topeka, KS

AutoInsureSavings.org licensed agents found that Topeka’s cheapest insurance rate is with Progressive, who provided us a quote at $1,336 per year for full coverage or 36% lower than average rates for people in Topeka, Kansas.

Topeka CompanyAverage Premium
Progressive$1,336
AmFam$1,416
GEICO$1,482
Topeka average$2,057

Cheapest Auto Insurance in Lawrence, KS

Residents of Lawrence, KS, can find cheap auto insurance with Progressive with a quote at $1,306 per year or a $108 monthly rate for a full coverage insurance policy, which is 35% less expensive than the average $1,979 Lawrence rate.

Lawrence CompanyAverage Premium
Progressive$1,306
Farm Bureau$1,375
Allstate$1,616
Lawrence average$1,979

Average Cost of Insurance for All Cities in Kansas

CityAnnual Premium CostCityAnnual Premium Cost
Wichita$2,184Sabetha$1,760
Overland Park$2,190Clearwater$1,836
Kansas City$2,247South Hutchinson$1,793
Olathe$2,011Cherryvale$1,817
Topeka$2,057Cimarron$1,843
Lawrence$1,979Halstead$1,877
Shawnee$1,894Eureka$1,843
Manhattan$1,890Council Grove$1,858
Lenexa$1,836Moundridge$1,760
Salina$1,914Anthony$1,895
Hutchinson$1,827Holcomb$1,875
Leavenworth$1,760Herington$1,856
Leawood$2,037Fredonia$1,817
Dodge City$1,817Oakley$1,793
Garden City$1,914Seneca$1,836
Emporia$1,843Neodesha$1,871
Derby$2,014Ellinwood$1,890
Junction City$1,871Ellis$1,911
Prairie Village$1,817Marion$1,760
Gardner$1,904Wellsville$1,856
Hays$2,055Cheney$1,843
Pittsburg$2,065Plainville$1,836
Liberal$1,694WaKeeney$1,850
Newton$1,817Belleville$1,871
Great Bend$1,760Humboldt$1,793
Andover$1,684Syracuse$1,890
McPherson$1,738Caney$1,904
El Dorado$1,817Minneapolis$1,692
Ottawa$1,871Douglass$1,760
Winfield$1,682Lakin$1,836
Lansing$1,903North Newton$1,793
Arkansas City$1,871Horton$1,850
Merriam$1,904Medicine Lodge$1,817
Haysville$1,760Edgerton$1,890
Atchison$1,793Oswego$1,986
Parsons$1,817Westwood$1,686
Mission$1,682Hill City$1,760
Coffeyville$1,890Oberlin$1,850
Augusta$1,760Ogden$1,836
Chanute$1,843Leoti$1,903
Independence$1,871Osborne$1,793
Park City$1,903Ness City$1,674
Bel Aire$1,986Wathena$1,760
Wellington$1,760Elkhart$1,890
Bonner Springs$1,850McConnell AFB$1,683
Fort Scott$1,903Stockton$1,682
Valley Center$1,911Kinsley$1,817
Roeland Park$1,986Belle Plaine$1,760
Pratt$1,836Conway Springs$1,793
Spring Hill$1,908Smith Center$1,850
Eudora$1,760Sedgwick$1,871
Fort Riley$1,871Meade$1,793
Abilene$1,986Erie$1,843
De Soto$1,911Carbondale$1,890
Mulvane$2,075Riley$1,904
Basehor$1,986St. Francis$1,986
Ulysses$1,890Sublette$1,871
Paola$1,817Pleasanton$1,760
Colby$1,682Inman$1,836
Tonganoxie$1,871Silver Lake$1,843
Iola$1,986St. John$1,890
Concordia$1,760Arma$1,817
Wamego$1,992Yates Center$1,986
Baldwin City$1,793Harper$1,850
Maize$1,871Oskaloosa$1,682
Russell$1,850Towanda$1,902
Edwardsville$1,904Colwich$1,760
Louisburg$1,986Lincoln Center$1,912
Goddard$1,682Rossville$1,836
Goodland$1,760Blue Rapids$1,890
Osawatomie$1,817Chetopa$1,903
Hugoton$1,843McLouth$1,793
Rose Hill$1,836Pomona$1,999
Clay Center$1,817La Crosse$1,850
Baxter Springs$1,871Chapman$1,843
Scott City$1,890Hoxie$1,682
Fairway$1,986Grandview Plaza$1,904
Larned$1,904La Cygne$1,760
Hesston$1,682Auburn$1,682
Beloit$1,684Solomon$1,887
Mission Hills$1,793Haven$1,817
Lyons$1,760Plains$1,617
Oaklawn-Sunview$1,843Highland$1,900
Frontenac$1,817Altamont$1,850
Lindsborg$1,890Johnson City$1,760
Marysville$1,903Buhler$1,836
Holton$1,888Atwood$1,997
Garnett$1,817Greeley County$1,986
Hiawatha$1,760Mound City$1,871
Columbus$1,990Peabody$1,890
Ellsworth$1,836Oxford$1,793
Kingman$1,850Satanta$1,760
Galena$1,890Washington$1,843
Hoisington$1,908Lyndon$1,817
Hillsboro$1,922Valley Falls$1,836
Osage City$1,760Victoria$1,988
Norton$1,793Galva$1,850
Kechi$1,817Nickerson$1,907
St. Marys$1,871Benton$1,760
Girard$1,843Caldwell$1,901
Sterling$1,817Jetmore$1,859
Phillipsburg$1,850Wakefield$1,836
Burlington$1,760Enterprise$1,793

Minimum Car Insurance Requirements in Kansas

Drivers in Kansas must carry the state minimum requirements for car insurance for vehicle registration. State law mandates drivers have at least $25,000 per person and up to $50,000 per accident of bodily injury liability coverage. They also require at least $25,000 per accident of property damage liability coverage.   

LiabilityMinimum coverage
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist bodily injury $25,000 per person and $50,000 per accident
Personal Injury Protection$4,500 per person

Kansas is a no-fault state, so drivers must carry personal injury protection in their car insurance premiums. Below is the minimum amount required by state law in Kansas.

  • $4,500/person for medical expenses.
  • $900/month for one year for disability/loss of income.
  • $25/day for in-home services.
  • $2,000 for funeral, burial or cremation expense.
  • $4,500 for rehabilitation expense.

AutoInsureSavings.org licensed agents recommend buying coverage with higher liability limits in Kansas if you have multiple assets, such as houses or multiple vehicles.

According to the Insurance Information Institute (III.org), we recommend uninsured motorist coverage since Kansas’s uninsured motorist rate is 7.2%.

Kansas Car Insurance FAQs

Who has the Cheapest Car Insurance in Kanas?

We found the top car insurance companies that offer the lowest Kansas drivers’ average rates are USAA at $32 per month, Farm Bureau at $40 per month, and State Farm at $42 a month for a state minimum insurance policy for a 30-year-old with clean driving history.

How Much is Car Insurance in Kansas per Month?

On average, drivers pay around $54 per month for state minimum coverage in Kansas and $156 per month for full coverage insurance. Based on our research, American Family, at $1,369 per year, is one of the state’s most affordable car insurance companies. Most drivers’ average annual rate is around $640 per year for state minimums and $1,879 annually, including comprehensive and collision coverage.

How Much Is Full Coverage Car Insurance in Kansas?

On average, most drivers in Kansas pay for full coverage insurance is $156 per month or $1,879 per year. Kansas’s top insurance companies that offer the lowest rate for drivers interested in full coverage auto insurance policies include American Family and Progressive. Both insurers provide auto insurance quotes 22% lower than average, depending on your driver profile. 

How do I Save on Car Insurance in Kansas?

There are many things drivers can do to help save money on their car insurance rates in Kansas. First, you will need to compare quotes from multiple insurance providers to find the right insurance company that offers the exact level of coverage in Kansas you need at the most affordable price.

Another thing drivers in Kansas can do to help them save more on their car insurance rates is to ask their auto insurance provider about a money-saving driver discount they may be eligible for. Many companies offer car insurance discounts for drivers who have multiple coverage policies with them or drivers who have no prior accidents or violations on their driving records. Consider Usage-Based car insurance, such as American Family’s KnowYourDrive Program. You can get long-term savings up to 20%, depending on your safe driving habits and driver behavior. 

To learn more about finding the best rates and car insurance options in Kansas, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord in Kansas with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

We used car insurance rates for drivers in Kansas with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates will vary when you get quotes.

Sources 

– National Association of Insurance Commissioners. “Credit-Based Insurance Scores: How an Insurance Company Can Use Your Credit to Determine Your Premium.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Kansas Insurance Department. “Auto Insurance.”
– Kansas Department of Revenue. “Titling a New Vehicle.”
– Kansas Legislative Statute. “DUI Penalties.”
– Kansas Department of Transportation (KDOT). “DUI Laws.”

Jaime Arias

Jaime Arias

Jaime Arias is a licensed insurance agent, co-owner, and editor of AutoInsureSavings.org with a family history in developing insurance businesses. Also, he has a mechanical engineering degree and a master's of business administration (MBA) from Harvard University. Jaime has experience in digital marketing, directing marketing methods online for businesses in the insurance industry.

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