How to Compare Car Insurance Rates 2024
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Cheapest Car Insurance in Kansas (2024)

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Content was accurate at the time of publication.

Kansas Farm Bureau and State Farm have the cheapest car insurance quotes in Kansas for most drivers. Farm Bureau has the cheapest liability insurance rates at $36 a month. State Farm is the cheapest for full coverage at $126 a month.

Find the Cheapest Car Insurance Quotes in Kansas

State Farm has the cheapest full-coverage car insurance quotes in Kansas, averaging $1,511 a year. This works out to $126 a month, which is 24% less than the state average of $166 a month.

USAA has Kansas’ cheapest full-coverage auto insurance overall. However, USAA is only available to the military community.

CompanyAnnual rate
State Farm$1,511
American Family$1,659
Geico$1,679
Nationwide$1,784
State average$1,991
Progressive$2,157
Allstate$2,678
Farmers$2,724
Farm Bureau$2,747
USAA*$980

Farm Bureau is the best company for cheap liability insurance in Kansas, with rates that average $427 a year. This works out to $36 a month, which is the cheapest rate in the state and 31% less than the state average.

The average cost of liability insurance in Kansas is $616 a year, or $51 a month.

CompanyAnnual rate
Farm Bureau$427
State Farm$454
American Family$478
Geico$529
Progressive$543
State average$616
Nationwide$681
Farmers$1,047
Allstate$1,118
USAA*$271

Liability car insurance covers injuries and damage you cause to others in a car accident. Full-coverage car insurance includes collision and comprehensive, which cover damage to your own vehicle.

Farm Bureau and American Family have the cheapest auto insurance quotes in Kansas for young drivers.

Farm Bureau has the cheapest liability quotes for young drivers. It charges 18-year-olds an average of $1,134 a year, or $95 a month. American Family has the next-cheapest rate at $1,360 a year, or $113 a month.

Liability car insurance for young drivers

CompanyAnnual rate
Farm Bureau$1,134
American Family$1,360
State Farm$1,538
Geico$1,965
State average$2,124
Nationwide$2,394
Progressive$2,852
Farmers$3,030
Allstate$4,013
USAA*$828

American Family has the cheapest full-coverage quotes for young drivers. It charges 18-year-olds an average of $3,593 a year, or $299 a month. The next-cheapest quotes come from State Farm, $4,206 a year, and Nationwide, $5,352 a year.

Full-coverage car insurance for young drivers

CompanyAnnual rate
American Family$3,593
State Farm$4,206
Nationwide$5,352
Geico$5,900
State average$5,975
Farm Bureau$6,086
Farmers$6,624
Progressive$9,592
Allstate$9,758
USAA*$2,664

Find the Cheapest Car Insurance Quotes in Your Area

State Farm has the cheapest car insurance quotes for Kansas drivers with a speeding ticket. These rates average $1,586 a year for full coverage, or $132 a month. This is only slightly less than the next-best rate, $138 a month from American Family.

A speeding ticket raises the average price of car insurance in Kansas by 19% to $2,373 a year, or $198 a month.

Car insurance rates after a speeding ticket

CompanyAnnual rate
State Farm$1,586
American Family$1,659
Geico$2,169
Nationwide$2,182
State average$2,373
Progressive$2,685
Allstate$2,963
Farm Bureau$3,421
Farmers$3,491
USAA*$1,197

State Farm has the best auto insurance quotes for Kansas drivers with a prior accident. These rates average $1,689 a year for full coverage, or $141 a month.

The next-best rate is $157 a month from American Family. In Kansas, an accident increases the average price of car insurance by 47% to $2,934 a year, or $245 a month.

Car insurance rates after an accident

CompanyAnnual rate
State Farm$1,689
American Family$1,885
Nationwide$2,844
State average$2,934
Geico$3,178
Progressive$3,315
Farmers$3,974
Allstate$4,059
Farm Bureau$4,096
USAA*$1,370

To get your best car insurance rate after an accident, or in any situation, compare car insurance quotes from several companies before you buy a policy.

American Family has the best car insurance rates in Kansas for drivers with a DUI, $1,659 a year. This works out to $138 a month, which is 30% less than the next-cheapest rate, $197 a month from Progressive.

Kansas drivers with a DUI pay an average of $3,857 for full coverage, or $321 a month. This is 94% higher than the average rate available to drivers with a clean record.

Car insurance rates after a DUI

CompanyAnnual rate
American Family$1,659
Progressive$2,359
Allstate$3,484
Farmers$3,600
Nationwide$3,673
State average$3,857
State Farm$5,292
Geico$5,884
Farm Bureau$6,463
USAA*$2,302

Geico has the best car insurance rates for Kansas drivers with bad credit, $2,402 a month for full coverage. This works out to $200 a month, which is slightly better than the next-best rate, $216 a month from Nationwide.

Kansas drivers with bad credit pay an average of 94% more for car insurance than those with good credit. Although insurance companies check your credit when you request a quote, these soft pulls do not affect your credit score.

Car insurance rates for drivers with bad credit

CompanyAnnual rate
Geico$2,402
Nationwide$2,586
American Family$2,952
Progressive$3,564
State average$3,856
Farmers$4,125
Allstate$4,384
Farm Bureau$5,031
State Farm$7,905
USAA*$1,759

In Kansas’ largest cities, the average price of auto insurance ranges from $1,774 a year in Gardner to $2,299 a year in Dodge City.

Kansas City drivers pay an average of $2,200 a year for auto insurance, or $183 a month. This is 10% higher than the state average. The average cost of car insurance in Wichita is $2,099 a year, which is 5% higher than the state average.

Average insurance prices by city

CityAnnual rate
Derby$1,952
Dodge City$2,299
Emporia$1,903
Garden City$2,271
Gardner$1,774
Hutchinson$1,952
Junction City$1,848
Kansas City$2,200
Lawrence$1,807
Leavenworth$1,953
Leawood$1,836
Lenexa$1,828
Manhattan$1,785
Olathe$1,812
Overland Park$1,834
Prairie Village$1,855
Salina$1,776
Shawnee$1,847
Topeka$1,892
Wichita$2,099

Kansas is a no-fault state and requires proof of insurance to register your vehicle. You also have to show proof of insurance to law enforcement during traffic stops and at accident scenes.

The penalties for driving without insurance include fines and a possible suspension of your driver’s license or vehicle registration.

Minimum coverage for car insurance in Kansas

The minimum car insurance coverages required to drive legally in Kansas include:

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Personal injury protection (PIP)
    • Medical expenses: $4,500 per person
    • Disability/loss of income: $900 per month
    • In-home services: $25 per day
    • Funeral, burial or cremation expenses: $2,000
    • Rehabilitation expenses: $4,500
  • Property damage liability: $25,000
  • Uninsured motorist: $25,000 per person, $50,000 per accident

Under Kansas’ no-fault law, an accident victim’s own PIP covers their initial medical treatment, regardless of who is at fault. An at-fault driver’s liability insurance kicks in if the victim’s medical bills exceed their insurance limits.

The no-fault law only applies to injuries. Your policy’s property damage liability covers damage you cause to other people’s vehicles and property.

Uninsured motorist covers you and your passengers for injuries caused by a driver without insurance.

Collision and comprehensive are optional coverages that pay to repair damage to your own vehicle. Neither is required by law, but you usually need both for a car loan or lease. Both are also worth having for any car worth more than a few thousand dollars.

SR-22 car insurance in Kansas

You may have to get SR-22 insurance to reinstate your driving privileges after certain violations. An SR-22 is a certificate your insurance company files with the state to prove you have insurance.

Most companies add a small filing fee to your rate for SR-22 insurance. The actual price you pay for your policy depends largely on the offense that leads to the filing requirement.

SR-22 insurance is usually more expensive after a DUI than if you are caught driving without insurance.

A good way to get cheap SR-22 insurance is to shop around for the best rate. Let the companies you contact for quotes know about your SR-22 requirement upfront to get the most accurate quotes. If you don’t own a car, ask for non-owner’s SR-22 insurance.

The average cost of car insurance in Kansas is $616 a year for liability insurance, or $51 a month. Full coverage costs an average of $1,991 a year, or $166 a month. Rates are higher for drivers with prior incidents and/or bad credit.

Farm Bureau has the cheapest minimum liability car insurance in Kansas. State Farm has the cheapest full coverage and lowest rates for drivers with a prior ticket or accident. American Family is cheapest after a DUI.

Yes. Kansas is a no-fault state. Your own car insurance covers your initial medical treatment for car accident injuries regardless of who is at fault. If you cause an accident, you’re responsible for your victim’s car repairs. You also have to cover the portion of a victim’s medical expenses that go over their insurance limits.

Methodology

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of more than 300,000 car insurance quotes for a typical Kansas driver. Your own rates may be different.

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Young driver rates are for an 18-year-old male with no prior tickets or accidents.

Full-coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident
  • Personal injury protection: $4,500
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

*USAA is only available to current and former members of the military and their families.