Kansas Car Insurance: Coverage, Cost & More

Kansas Car Insurance
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Auto insurance is an important purchase, but finding cheap car insurance in Kansas isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

Kansas isn’t the most expensive state for auto insurance, but its extensive coverage standards make it pricier than many of its neighbors. The cheapest car insurance company in Kansas is Shelter at $1,182 per year on average, or $98 per month. Meanwhile, the average cost of full coverage car insurance in Kansas is $2,290 per year, or about $191 per month.

Minimum coverage is $631 per year on average, but you can likely get a cheaper policy. For example, State Farm offers the cheapest rates at $249 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Types of Car Insurance

There are many types of car insurance; some are optional, and some are mandatory, depending on where you live. Understanding insurance types will help you find a suitable policy to protect yourself and your passengers in an accident. Here are the most common types of car insurance:

Liability insurance

Liability coverage is a mandatory requirement for drivers in most states. It compensates others when you’re at fault for an accident that causes injuries, damage, or death. Auto liability insurance can also cover your legal expenses if another driver sues you for an accident you cause.

There are two forms of auto liability insurance: Bodily injury liability pays for the other driver’s medical expenses, while property damage liability coverage pays for vehicle repairs.

Uninsured/Underinsured motorist coverage

Uninsured motorist insurance covers you in an accident with an uninsured driver, while underinsured motorist insurance reimburses you if the at-fault driver’s policy is inadequate to cover your injuries or vehicle damages. UM and UIM usually pay for your medical expenses and those of your passengers in an accident.

In some states, the coverage can also pay for vehicle damages, lost wages, and funeral expenses in case of death.

Collision and comprehensive coverage

Collision coverage can help repair or replace your vehicle if you hit another vehicle or an object. Conversely, comprehensive insurance pays for non-collision occurrences, including vandalism, hail, storms, floods, earthquakes, or falling objects. Collision and comprehensive coverage are optional in all states, although lenders may require them if you’re financing or leasing a car.

Personal injury protection

Personal injury protection covers the injuries you and your passengers sustain in an accident. It also covers lost wages, funeral expenses, survivor benefits, rehabilitation, and replacement costs for accident victims. PIP is also known as no-fault insurance because it covers accident-related expenses regardless of who’s at fault.

PIP is part of the no-fault insurance laws and is mandatory in Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Some other states allow you to purchase optional PIP coverage.

Car insurance in Kansas

Kansas has some of the most extensive car insurance requirements of any state. Policies must include liability insurance, uninsured and underinsured motorist coverage and personal injury protection in the following amounts:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per accident.
  • $25,000 property damage liability per accident.
  • $25,000 uninsured/underinsured motorist coverage per person.
  • $50,000 uninsured/underinsured motorist coverage per accident.
  • Personal injury protection includes $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral, burial or cremation costs, and $4,500 for rehabilitation.
  • Survivor benefits include up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.

That’s enough to drive legally, but you may want more than the minimum coverage. If you’re in an accident that causes bills higher than these amounts, you’ll have to pay the rest on your own.

Because insurance coverage rates are slightly cheaper in Kansas than the national average, you have a good chance of finding great car insurance in Kansas at excellent rates.

Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Car insurance deals in Kansas

When looking for car insurance in Kansas, drivers can expect to find that providers will offer a variety of different discounts. Each provider is unique in their exact offerings, however, there are some typical discount offerings that most companies will offer. The table below will highlight the types of discounts the top providers in Kansas offer, with a breakdown below.

Kansas Car Insurance DiscountsState FarmGeicoUSAAProgressiveShelter Insurance
Safe driver✔️✔️✔️✔️✔️
Defensive driving✔️✔️✔️

Cheapest car insurance companies in Kansas

The cheapest car insurance in Kansas doesn’t always mean the best overall coverage. Below, you’ll find five options that combine affordability with outstanding coverage plans.

Top Kansas Car Insurance CompaniesOverall RatingCoverage RatingCost Rating# of Discounts
1. USAA9.29.59.79
2. Geico9.18.49.116
3. State Farm9.49.29.316
4. Shelter Insurance8.48.29.09
5. Progressive9.09.77.813

Cheapest car insurance coverage in Kansas

The coverage you choose will have a major impact on how much you pay for your car insurance. Minimum coverage is all that is required, but it can be better for you to look at full coverage plans. 

Below are the cheapest car insurance options in Kansas for both coverage types.

Minimum coverage car insurance cost in Kansas

Minimum coverage car insurance costs an average of $475 per year or $40 monthly across the Sunflower State. While the cheapest car insurance in Kansas isn’t necessarily among the nation’s most affordable, it’s still 32% below the national average of $627 per year for minimum coverage.

Below are the average rates for minimum coverage from some of Kansas’ top auto insurers:

Cheapest Car Insurance in KansasEstimated Monthly RateEstimated Annual Rate
State Farm$26$309
Shelter Insurance$42$499

Cheapest full coverage car insurance in Kansas

The cheapest car insurance in Kansas averages $258 per year for minimum coverage, while full coverage can cost as little as $1,263 annually.

Cheapest Car Insurance in KansasEstimated Monthly RateEstimated Annual Rate
State Farm$141$1,690
Shelter Insurance$153$1,833

*These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Kansas car insurance for high-risk drivers

Drivers who have had a recent accident, DUI or speeding ticket will most likely pay much more for car insurance. The tables below go over estimates for the cheapest car insurance rates for people who fall into these categories in Kansas.

Car insurance in Kansas for drivers with a speeding ticket

Having a speeding ticket on your record often results in higher car insurance premiums. The cheapest car insurance in Kansas after a speeding ticket comes from Geico for an average of $1,547 per year.

Cheapest Car Insurance in KansasEstimated Monthly RateEstimated Annual Rate
State Farm$147$1,763

Car insurance in Kansas for drivers with a recent accident

Car accidents tend to significantly boost the cost of car insurance in Kansas, with the lowest prices commonly coming from State Farm for $1,862 per year on average.

Cheapest Car Insurance in KansasEstimated Monthly RateEstimated Annual Rate
State Farm$155$1,862

Car insurance in Kansas for drivers with a DUI

Auto insurance rates in Kansas almost always increase after motorists receive a DUI violation, as it’s a telltale sign of a high-risk driver. The lowest average premium for car insurance in Kansas after a DUI comes from State Farm for $1,763 per year.

Cheapest Car Insurance in KansasEstimated Monthly CostEstimated Annual Cost
State Farm$147$1,763

Cheapest Kansas insurance for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings but tend to come down as drivers get more experience on the road.

Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Cheapest full coverage car insurance in Kansas for 20-year-olds

Drivers in Kansas with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. American Family: $2,483 per year, or about $207 per month.
  2. State Farm: $2,560 per year, or about $213 per month.
  3. Auto-Owners: $2,703 per year, or about $225 per month.
  4. Travelers: $2,755 per year, or about $230 per month.
  5. Farm Bureau Financial Services: $2,854 per year, or about $238 per month.

Cheapest minimum coverage car insurance in Kansas for 20-year-olds

Drivers in Kansas who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. State Farm: $644 per year, or about $54 per month.
  2. Travelers: $692 per year, or about $58 per month.
  3. Auto-Owners: $730 per year, or about $61 per month.
  4. Farm Bureau Financial Services: $801 per year, or about $67 per month.
  5. Geico: $810 per year, or about $68 per month.

How to save on car insurance

Although car insurance can be expensive, there are many ways that you may be able to lower your rate. Here are some potential options for getting a cheaper car insurance premium:

Shop around and compare quotes

Since the price of car insurance varies by insurer and each company has its own proprietary rating algorithm, your premium may vary greatly depending on the company you choose. To find the cheapest company for your specific circumstances, you may want to compare quotes across various carriers.

Most insurance professionals recommend comparing quotes for the same coverage types and limits across carriers to get the most accurate comparison.

Apply discounts

Almost every insurance company offers discounts that might lower your premium. Some discounts are more significant than others. You may want to review the discounts each carrier offers when comparing quotes. Discounts are commonly available for being a good student, remaining claims-free, driving a car with strong safety ratings and bundling your insurance policies.

You may also qualify for a discount if you pay your premium in full, enroll in paperless billing or set up autopay.

Check your coverage

There are many different types of car insurance coverage, and the more you have, the higher your insurance premium typically is. Higher coverage limits also typically increase your premium. If price is a concern, you may want to review your policy to ensure you’re only paying for the coverage types that you need and check for duplicate coverage.

For instance, you might already have roadside assistance through your credit card provider.


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