Updated January 7th, 2021
Our study of the cheapest auto insurance carriers in Kansas found drivers with a good driving record; the best options will be with Farmers, Auto-Owners, and American Family.
Depending on your location, each carrier can offer quotes from 22 to over 30% lower than the median rate for similar age drivers.
Other carriers you want to put on your list to get quotes are GEICO, Farm Bureau Financial Services, and State Farm.
Again, depending on your driving history, each carrier can offer quotes from 16 to 27% lower than the median rate.
There are other insurance firms you should get quotes from.
We will go into more detail below.
This article will cover the minimum requirements in Kansas, the least expensive carriers, and cost-saving tips to help you find an affordable premium without breaking the bank.
If you would like to skip to a portion of the article, we have provided a table of contents down a little and to the right.
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 the rate table below.
Kansas Minimum Car Insurance Requirements
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 for 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:
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$4500 for medical expense and rehabilitation benefits
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$900 a month for disability
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$25 for in-home care
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$2000 for funeral expenses
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$900 a month for survivor benefits
As with the most no-fault state, there are exceptions where the cost of a medical car for a person injured during an accident.
Since the exceptions are possible in the state of Kansas, there is the minimum coverage required too.
| Coverage | Kansas Minimum Liability Coverage | Recommended 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 Payments | Optional | $5,000 limit |
| Personal Injury Protection | $4,500 per person | $4,500 per person |
| Comprehensive Coverage | Optional | $500 deductible |
| Collision Coverage | Optional | $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 coverage is held, the insurer will pay up to $25,000 if a single individual is concerned about $50,000 for multiple passengers per accident.
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 the rate table below.
Property Damage Liability
It helps pay for damages to the other person’s car and any public or private property, such as buildings, doors, and traffic signs, that might be damaged in an accident.
Minimum coverage allows for insurance firms to pay $10,000 for a single event.
The set limit for Kansas’s state is 25/50/10, and the numbers represent (in thousands) and are followed respectfully, as mentioned above.
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
Below is a list of 19 top insurance companies in Kansas by written premiums, complaints, rate change over 12 to 18 months, and consumer rating.
The inclusion of written premiums is for the number of complaints.
National companies, such as Liberty Mutual or State Farm, are going to have more complaints.
However, they have a much higher amount of written premiums.
Therefore the ratio is in line with smaller regional carriers, such as Farm Bureau Financial Services.
The rate change averages 2.7% across all companies. This is normal for most companies.
If you get a traffic violation, your premium can increase dramatically.
The rate change should be nominal unless there is an infraction or change of circumstance, such as moving to a new location.
The consumer rating data is compiled from reputable online sources to get an average.
Other sources and data are compiled from JD Power & Associates, III.org, and AM Best.
| Kansas Company | Premiums | Rate Change | # of Complaints | Consumer Rating out of 5 Stars |
|---|---|---|---|---|
| Safeco | $45,881,479 | +2.3% | 24 | 3.9 |
| MetLife | $65,688,047 | +2.1% | 7 | 4.0 |
| Nationwide | $29,314,800 | +2.1% | 7 | 4.2 |
| Liberty Mutual | $65,319,534 | +1.8% | 43 | 4.4 |
| Farm Bureau Mutual | $129,883,591 | +2.2% | 2 | 3.8 |
| Travelers | $33,794,267 | +2.0% | 11 | 4.3 |
| Traders | $6,923,744 | +2.8% | 11 | 3.8 |
| Nationwide | $29,115,875 | +1.6% | 9 | 4.3 |
| State Farm | $314,483,303 | +2.3% | 68 | 4.4 |
| USAA | $70,458,451 | +1.7% | 16 | 4.5 |
| American Family | $89,761,971 | +2.1% | 83 | 4.2 |
| Progressive | $267,698,586 | +2.0% | 9 | 4.4 |
| Shelter | $49,854,328 | +2.4% | 11 | 3.9 |
| Allstate | $222,963,723 | +1.8% | 6 | 4.4 |
| Farmers | $128,709,120 | +1.9% | 60 | 4.3 |
| Key Company | $15,946,573 | +2.8% | 28 | 3.6 |
| GEICO | $68,118,333 | +2.2% | 53 | 4.5 |
| Encompass | $95,678,893 | +3.1% | 21 | 3.8 |
Uninsured Motorist Coverage Requirements
Kansas is a state where uninsured motorist protection is a requirement.
This coverage will pay for your medical expense if 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 coverage.
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 recommended to consider comprehensive coverage for any unforeseen accidents such as natural disasters, such as tornadoes, common in Kansas.
With this coverage, you will be protected up to a certain amount for any “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 coverage to the bank.
Note: As illustrated, 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 Auto Insurance in Kansas by Age & Company
Below is a list of the least expensive auto insurance companies for drivers from 25 to 55.
Overall, and across the board, the lowest is Farmers.
Depending on your age and location, Farmers can offer quotes up to 38% lower than the median quote for similar age drivers.
Auto-Owners is another company you should put on your bucket list to get quotes.
Auto-Owners can offer quotes up 36% lower.
Again, depending on your location and driver history.
American Family can offer rates up to 35% lower depending on your driver’s history.
For older drivers, American Family does extremely well.
In Topeka and Lawrence, American Family can offer the cheapest quotes topping Farmers and Auto-Owners.
Other carriers to get quotes from are GEICO, Farm Bureau Financial Services, and State Farm.
All three carriers can offer quotes from 16% to 27% cheaper than the median quote.
Two other carriers you may want to put on your radar are Progressive and Allied.
Both of them can offer quotes from 9% to 16% cheaper, depending on your location and driver history.
And if you get quotes from all the carriers mentioned above, you may want to give Nationwide a shot.
Nationwide can offer quotes from 8% to 14% lower than the median rate.
With all insurers, you have a blend of national and regional companies to help you find the cheapest auto insurance while maintaining the same coverage amount.
| Kansas Company | Average Annual Rate 25 Y/O Driver | 30 Y/O Driver | 35 Y/O Driver | 40 Y/O Driver | 45 Y/O Driver | 55 Y/O Driver |
|---|---|---|---|---|---|---|
| Farmers | $1,212 | $987 | $866 | $790 | $632 | $497 |
| Auto-Owners | $1,256 | $1,003 | $887 | $822 | $659 | $485 |
| American Family | $1,276 | $1,032 | $892 | $809 | $644 | $487 |
| GEICO | $1,295 | $1,044 | $910 | $821 | $676 | $500 |
| Farm Bureau Mutual Financial | $1,319 | $1,089 | $912 | $809 | $680 | $508 |
| State Farm | $1,327 | $1,099 | $955 | $810 | $700 | $509 |
| Nationwide | $1,332 | $1,121 | $947 | $832 | $690 | $528 |
| Shelter | $1,357 | $1,137 | $959 | $833 | $711 | $529 |
| Progressive | $1,337 | $1,144 | $950 | $844 | $730 | $527 |
| Allied | $1,370 | $1,154 | $968 | $860 | $726 | $548 |
| Allstate | $1,400 | $1,176 | $970 | $865 | $733 | $612 |
| Travelers | $1,421 | $1,187 | $970 | $869 | $734 | $590 |
| Encompass | $1,465 | $1,190 | $978 | $897 | $756 | $596 |
| MetLife | $1,468 | $1,200 | $980 | $890 | $766 | $632 |
| Safe Auto | $1,568 | $1,231 | $1,043 | $865 | $769 | $648 |
| Liberty Mutual | $1,589 | $1,276 | $1,044 | $879 | $800 | $675 |
| Amica | $1,643 | $1,266 | $1,075 | $895 | $789 | $689 |
| Hanover | $1,732 | $1,327 | $1,087 | $899 | $803 | $690 |
| 21st Century | $1,821 | $1,422 | $1,121 | $912 | $801 | $698 |
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 Gap insurance’s cost, which will cover your vehicle’s value and what is leftover or the “gap” from financing the car.
More information about Gap insurance here.
Average Rate by City in Kansas
Location is a primary factor for insurance companies when determining your premium.
Below is a list of 33 cities and the average premium.
The lowest premium is $1,032, and the highest is $1,490 per year.
Over 45% difference from one city to the next.
This is one reason you can increase or decrease your premium when you move from one city to the next.
If you have higher premiums than those listed below, you are either a young driver or have traffic violations in your driving history.
Your best method to keep your premium as low as possible is to keep a clean driving record.
If you would like a comparison of quotes in the most populous cities in Kansas, please read further below.
| City | Average Rate | City | Average Rate | City | Average Rate |
|---|---|---|---|---|---|
| Andover | $1,190 | Kingman | $1,387 | Osage City | $1,311 |
| Coffeyville | $1,231 | Kiowa | $1,121 | Osewgo | $1,132 |
| Derby | $1,255 | La Cygne | $1,154 | Ottawa | $1,176 |
| Dodge City | $1,188 | Leavenworth | $1,176 | Paola | $1,190 |
| El Dorado | $1,154 | Lebo | $1,182 | Parsons | $1,210 |
| Emporia | $1,309 | Liberal | $1,301 | Pittsburg | $1,032 |
| Frankfort | $1,269 | Lyndon | $1,276 | Prairie Village | $1,065 |
| Gardner | $1,143 | Marysville | $1,236 | Rossville | $1,022 |
| Great Bend | $1,176 | McPherson | $1,205 | Seneca | $1,087 |
| Hays | $1,237 | Merriam | $1,122 | Spring Hill | $1,365 |
| Junction City | $1,268 | Newton | $1,111 | Wellington | $1,237 |
Wichita, KS
To find inexpensive auto insurance rates in Wichita, start by getting quotes from Farmers, Auto-Owners, and American Family.
Each queried 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 queried at $512, $532, $567, and $580 respectfully for full coverage.
Out of the 7 insurers, we queried the most expensive: Nationwide at $1,189 for a 30-year-old, $890 for a 45-year-old, and $687 55-year-old.
More than 21% lower than Wichita’s average rate.
| Wichita Company | 30 Y/O Driver | 55 Y/O Driver |
|---|---|---|
| Farmers | $911 | $512 |
| Auto-Owners | $934 | $532 |
| American Family | $987 | $567 |
| GEICO | $1,032 | $580 |
| Farm Bureau Mutual | $1,076 | $622 |
| State Farm | $1,143 | $643 |
| Nationwide | $1,189 | $687 |
Kansas City, KS
Finding cheap auto insurance in Kansas City is easy if you get quotes from Auto-Owners, American Family, and Farmers.
Each queried 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 is 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 for 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 Company | 30 Y/O Driver | 55 Y/O Driver |
|---|---|---|
| Auto-Owners | $908 | $521 |
| American Family | $967 | $555 |
| Farmers | $987 | $578 |
| GEICO | $1,002 | $608 |
| Allied | $1,055 | $654 |
| Nationwide | $1,106 | $678 |
| State Farm | $1,132 | $690 |
Olathe, KS
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 Company | 30 Y/O Driver | 55 Y/O Driver |
|---|---|---|
| Auto-Owners | $876 | $531 |
| American Family | $904 | $521 |
| Farmers | $945 | $548 |
| GEICO | $985 | $580 |
| Allied | $1,006 | $606 |
| Nationwide | $1,065 | $643 |
| State Farm | $1,102 | $665 |
Topeka, KS
Getting cheaper auto insurance 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.
This is over $400 in savings compared to 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 Company | 30 Y/O Driver | 55 Y/O Driver |
|---|---|---|
| American Family | $965 | $639 |
| Farmers | $987 | $659 |
| Auto-Owners | $1,032 | $678 |
| GEICO | $1,065 | $704 |
| Allied | $1,148 | $754 |
| Progressive | $1,133 | $769 |
| State Farm | $1,187 | $790 |
Lawrence, KS
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 are 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 Lawrence’s full coverage.
The cheapest rate for a 55-year-old driver 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 55-year-old driver.
| Lawrence Company | 30 Y/O Driver | 55 Y/O Driver |
|---|---|---|
| American Family | $865 | $501 |
| Farmers | $890 | $548 |
| Auto-Owners | $969 | $569 |
| GEICO | $1,006 | $620 |
| Allied | $1,076 | $654 |
| Progressive | $1,128 | $706 |
| State Farm | $1,146 | $774 |
Resources & DMV Information
| Department of Insurance | Department of Transportation | Department 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 |
| Website | Website | Website |
Final Thoughts
At AutoInsureSavings, we know how important it is to save money by finding the cheapest car insurance coverage.
At the same time, you want to be sure you are protected with proper coverage at the cheapest price 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://www.nationwide.com/kansas-auto-insurance.jsp
https://www.libertymutual.com/auto/car-insurance-coverage/kansas
https://www.farmers.com/kansas/
