auto
Get quick car insurance estimates in KS
Enter a valid zip

Kansas's most expensive car insurance is found in Kansas City and its suburbs, where drivers pay a few hudnred 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.

zip_tool_img

Kansas Car Insurance Rates by ZIP Code

!
Coverage Types
*Please enter valid Zip
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
66105, Kansas City,  For 30 Year Old  Male  (Type:  Liability - Minimum )
Average Monthly Premium
$52
Highest Rate
$81/mo
Lowest Rate
$28/mo
Compare personalized quotes from up to 20 companies in Kansas now

Cheap car insurance in Kansas

Kansas car insurance requirements

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 limitsAverage 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.

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 limitsAverage 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

CompanyState minimum average annual rate50/100/50 average annual rate100/300/100 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:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-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.

CompanyAverage 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.

CompanyAverage RateAverage 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.

CompanyPoor 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.

RankCompanyScore
1CSAA Insurance Group93.43
2USAA92.08
3Allstate90.18
4Liberty Mutual88.21
5American Family88.14
6Erie87.41
7The Auto Club Group (ACG) - AAA87.21
8Auto Club of Southern California (Auto Club Enterprise Insurance Group)86.86
9Progressive85.66
10Esurance85.22
11Geico84.11
12Nationwide83.80
13Safeco83.67
14Farmers83.25
15Metlife83.11
16State Farm82.34
17Travelers82.22
18Hartford81.19
19The General79.03

 

Largest car insurance companies in Kansas

RankCompanyPremiums WrittenMarket Share
1State Farm Group374,07920.23%
2American Family Insurance Group227,15712.29%
3Progressive Insurance Group199,25210.78%
4Farmers Insurance Group119,8856.48%
5Allstate Insurance Group106,1615.74%
6USAA Group102,5445.55%
7Berkshire Hathaway Insurance Group91,0864.93%
8Nationwide Group81,4764.41%
9Liberty Mutual Insurance Companies61,4183.32%
10Travelers Group61,4093.32%

Source: A.M. Best; State/Line (P/C Lines)  - P/C, US; Data as of:November 28, 2018

Kansas Car Insurance Laws

RoadsNumber of Fatal Accidents
I-7029
US-5415
US-40015
US-16015
US-7511
US-2411
US-16910
I-3510
US-509
US-567

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.

Show Tablular Data
CityAverage Premium
Kansas City$1,629
Olathe$1,265
Overland Park$1,270
Topeka$1,324
Wichita$1,458
Kansas$1,393
National$1,679
auto
Get quick car insurance estimates in KS
Enter a valid zip