Kansas’s most expensive car insurance is found in Kansas City and its suburbs, where drivers pay a few hundred dollars more for the same coverage as their fellow Kansans in less populated areas like North Newton three hours away. We’ve got state car insurance rates for every ZIP code mapped out below — but in every city and town, the difference between the cheapest insurance company and the most expensive is hundreds of dollars. By entering your ZIP code and selecting your age group and preferred coverage level, you’ll see rates for your neighborhood, as well as how much you can save by comparing car insurance companies when shopping for a policy.
- The average car insurance cost in Kansas is $140 per month or $1,689 a year for a full coverage policy.
- Kansas is a no-fault state, which means that you use your own PIP coverage if you’ve been injured in an auto accident, no matter who caused the accident.
- Geico & State Farm have the cheapest auto insurance in Kansas for state minimum policy.
- In Kansas, you can expect your rate to go up by an average of 134 percent when adding a driver age 16 to your coverage
Kansas Car Insurance Rates by ZIP Code
- Cheap car insurance in Kansas
- Recommended car insurance coverage
- Cheapest car insurance in Kansas by company
- Low cost auto insurance for Kansas drivers with recent accidents
- Who has the cheapest Kansas car insurance for drivers with speeding tickets?
- How much does it cost to add a teen to your policy in Kansas?
- Cheapest Kansas auto insurance for young drivers: Ages 18 to 25
- Senior drivers: Cheap auto insurance for Kansas drivers age 65 to 85
- Car insurance for Kansas drivers with bad credit
- Best car insurance companies in Kansas
- Largest car insurance companies in Kansas
- Kansas Car Insurance Laws
- Average annual car insurance rates for major cities in Kansas
- Guide to car insurance (with rates) in cities of Kansas
Cheap car insurance in Kansas
Kansas car insurance requirements
Minimum Coverage | Minimum Limit |
---|---|
Minimum bodily injury liability | $25,000/$50,000 |
Minimum property damage liability | $10,000 |
Uninsured/underinsured motorist bodily injury | $25,000/$50,000 |
Personal injury protection | $4,500 medical /$900 work loss |
Kansas is a no-fault state, which means that you use your own personal injury protection (PIP) coverage if you’ve been injured in an auto accident, no matter who caused the accident. The PIP coverage required in Kansas is divided into many parts:
- $4,500 per person for necessary medical expenses
- $900 per month (up to for one year) for loss of income/disability
- $25 per day for in-home services (up to one year)
- $2,000 for funeral/burial expenses
- $4,500 for rehabilitation costs
- Survivor benefits of up to $900 per month for one year for loss of income
Coverage limits | Average annual rate |
---|---|
Liability Only – state minimum | $397 |
Liability Only – 50/100/50 BI/PD | $427 |
Full Coverage – 100/300/100 BI/PD $500 Comp/Collision deductible | $1,242 |
*The table shows the average annual rate of nearly every ZIP code in Kansas from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.
On top of PIP, Kansas drivers are required to carry liability coverage for damage they inflict on other people and property. The property damage liability minimum is about average at $25,000.
If you have savings or a home to protect, we recommend that you bump your limits to 100/300/50.
Uninsured and underinsured motorist bodily injury protection are offered together here and are a mandatory part of your policy with minimum limits of 25/50.
Beyond no-fault: You (or your family) can seek damages from the at-fault party once your medical bills are over $2,000, if you suffer severe or permanent injuries or if you died as a result of the auto accident.
Insurance needed for registration: Proof of auto insurance that includes the effective and expiration date of the coverage is required when vehicle registration is issued or renewed.
Uninsured motorist penalties for Kansas: You may be fined $300 to $1,000, sentenced to six months in jail and have your license and registration suspended.
No points system: Kansas Driver Control doesn’t assign points for traffic violations; however, your license can be suspended if you are convicted of three moving violations in a 12-month period.
Defensive driving discount: State law requires that the principal driver of a vehicle that has voluntarily and successfully completed an approved motor vehicle accident prevention course receive a discount. The Kansas Insurance Commissioner has a list of state-approved defensive-driving courses.
Proof of insurance via smartphone: Kansas is one of 31 states that allow drivers to show electronic proof of insurance during a traffic stop.
Recommended car insurance coverage
The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.
Use our How Much Car Insurance Do You Need? tool to get a recommendation.
Liability
We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:
- less than $50,000, choose at least 50/100/50
- between $50,000 and $100,000, choose at least 100/300/100
- more than $100,000, choose at least 250/500/100
If you’re leasing or financing your car, you must get coverage of 100/300/100 or higher.
Collision and comprehensive
Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:
- less than 10 years old, you should strongly consider buying collision and comprehensive.
- more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.
For drivers in Kansas, collision costs an average of $468 yearly, comprehensive is $423, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.
Medical coverage (MedPay)
Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it’s an optional addition to your car insurance policy. MedPay does the following:
- Covers you and your passengers’ medical expenses
- Pays for expenses after health insurance limits are exceeded
- Offers additional protection to insured drivers who are hit by a car while walking or biking
If you and your passengers:
- Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
- Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.
Gap insurance
If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.
- If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
- If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
- If you own your car outright, you don’t need gap insurance.
Coverage limits | Average annual rate |
---|---|
Liability Only – state minimum | $397 |
Liability Only – 50/100/50 BI/PD | $427 |
Full Coverage – 100/300/100 BI/PD $500 Comp/Collision deductible | $1,242 |
**The table shows the average annual rate of nearly every ZIP code in Kansas from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.
Cheapest car insurance in Kansas by company
Below you’ll see average annual rates for Kansas, ranked cheapest to most expensive, for three coverage levels:
- State minimum liability requirements
- Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
- Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
Company | State minimum average annual rate | 50/100/50 average annual rate | 100/300/100 average annual rate |
---|---|---|---|
Allstate Fire & Cas Ins Co | $572 | $577 | $1,718 |
Farmers Ins Co Inc | $478 | $516 | $1,249 |
Geico Gen Ins Co | $228 | $262 | $823 |
Nationwide Affinity Co of Amer | $341 | $346 | $814 |
Progressive Northwestern Ins Co | $455 | $499 | $1,682 |
State Farm Mut Auto Ins Co | $307 | $364 | $1,166 |
Low cost auto insurance for Kansas drivers with recent accidents
Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that’s why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Kansas driver with a full coverage policy:
Company | 1 At-fault property damage accident over $2K | 2 At-fault property damage accident over $2k | At-fault bodily injury accident |
---|---|---|---|
Allied NW Affin PPBM | $1,645 | $2,167 | $1,645 |
Allstate F&C | $2,263 | $3,129 | $2,263 |
Farmers Ins Co | $1,942 | $2,305 | $1,942 |
GEICO General | $1,416 | $2,067 | $1,416 |
Progressive NorthWestern | $1,636 | $2,732 | $1,636 |
State Farm Mutual Auto | $1,449 | $1,936 | $1,449 |
*The table shows the average annual rate of nearly every ZIP code in Kansas from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.
Who has the cheapest Kansas car insurance for drivers with speeding tickets?
If you get a speeding ticket, chances are you’ll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you’ll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you’ll see that the difference between the highest rate and the lowest in the table below is more than $995, on average, according to CarInsurance.com’s rate analysis. That’s how much you can save by comparing car insurance companies.
Company | Average Rate |
---|---|
GEICO General | $1,118 |
State Farm Mutual Auto | $1,205 |
Allied NW Affin PPBM | $1,536 |
Farmers Ins Co | $1,789 |
Progressive NorthWestern | $2,054 |
Allstate F&C | $2,112 |
How much does it cost to add a teen to your policy in Kansas?
No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Kansas, you can expect your rate to go up by an average of 134 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You’ll see in the table below how much it costs, on average, to add a teen driver in Kansas, and how major insurers compare on price. GEICO General had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.
Company | Average Rate | Average Rate after adding female teen | $ Increase (female) | Average Rate after adding male teen | $ Increase (male) |
---|---|---|---|---|---|
Allied NW Affin PPBM | $1,242 | $2,430 | $1,188 | $2,844 | $1,602 |
Allstate F&C | $1,906 | $3,872 | $1,966 | $4,292 | $2,386 |
Farmers Ins Co | $1,438 | $2,940 | $1,502 | $2,982 | $1,543 |
GEICO General | $1,118 | $2,019 | $902 | $2,502 | $1,385 |
Progressive NorthWestern | $1,636 | $3,571 | $1,936 | $4,091 | $2,455 |
State Farm Mutual Auto | $1,131 | $2,397 | $1,265 | $3,087 | $1,955 |
Cheapest Kansas auto insurance for young drivers: Ages 18 to 25
Enter an age from 18 to 25 to see who has the best rates for young drivers in Kansas, by company.
You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.
Senior drivers: Cheap auto insurance for Kansas drivers age 65 to 85
Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.
Car insurance for Kansas drivers with bad credit
Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Kansas ranks 34th among the worst states for drivers with bad credit, as CarInsurance.com’s data analysis shows. Compared to good credit drivers, those in Kansas with bad credit pay 64 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You’ll see below that the difference among major insurers is nearly $1,481 for a full coverage policy for a driver with bad credit. That’s how much you can potentially save by comparing car insurance quotes.
Company | Poor credit |
---|---|
Allied NW Affin PPBM | $1,559 |
GEICO General | $1,682 |
State Farm Mutual Auto | $2,252 |
Farmers Ins Co | $2,534 |
Allstate F&C | $2,856 |
Progressive NorthWestern | $3,039 |
Best car insurance companies in Kansas
Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.
Rank | Company | Score |
---|---|---|
1 | CSAA Insurance Group | 93.43 |
2 | USAA | 92.08 |
3 | Allstate | 90.18 |
4 | Liberty Mutual | 88.21 |
5 | American Family | 88.14 |
6 | Erie | 87.41 |
7 | The Auto Club Group (ACG) – AAA | 87.21 |
8 | Auto Club of Southern California (Auto Club Enterprise Insurance Group) | 86.86 |
9 | Progressive | 85.66 |
10 | Esurance | 85.22 |
11 | Geico | 84.11 |
12 | Nationwide | 83.80 |
13 | Safeco | 83.67 |
14 | Farmers | 83.25 |
15 | Metlife | 83.11 |
16 | State Farm | 82.34 |
17 | Travelers | 82.22 |
18 | Hartford | 81.19 |
19 | The General | 79.03 |
Largest car insurance companies in Kansas
Rank | Company | Premiums Written | Market Share |
---|---|---|---|
1 | State Farm Group | 374,079 | 20.23% |
2 | American Family Insurance Group | 227,157 | 12.29% |
3 | Progressive Insurance Group | 199,252 | 10.78% |
4 | Farmers Insurance Group | 119,885 | 6.48% |
5 | Allstate Insurance Group | 106,161 | 5.74% |
6 | USAA Group | 102,544 | 5.55% |
7 | Berkshire Hathaway Insurance Group | 91,086 | 4.93% |
8 | Nationwide Group | 81,476 | 4.41% |
9 | Liberty Mutual Insurance Companies | 61,418 | 3.32% |
10 | Travelers Group | 61,409 | 3.32% |
Source: A.M. Best; State/Line (P/C Lines) – P/C, US; Data as of:November 28, 2018
Kansas Car Insurance Laws
Roads | Number of Fatal Accidents |
---|---|
I-70 | 29 |
US-54 | 15 |
US-400 | 15 |
US-160 | 15 |
US-75 | 11 |
US-24 | 11 |
US-169 | 10 |
I-35 | 10 |
US-50 | 9 |
US-56 | 7 |
Average annual car insurance rates for major cities in Kansas
Below you’ll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.
City | Average Premium |
---|---|
Kansas City | $1,629 |
Olathe | $1,265 |
Overland Park | $1,270 |
Topeka | $1,324 |
Wichita | $1,458 |
Kansas | $1,393 |
National | $1,679 |