The cheapest full coverage car insurance in Kansas is $110 , saving you $48 compared to the average cost of insurance in the state, which is around $158 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Kansas, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Kansas should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Nationwide stands out as the cheapest option for full coverage car insurance in Kansas, with an insurance premium of $110 per month.
- Drivers in Kansas with a clean record pay 40% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Kansas is Salina, with an annual premium of $1,645 .
- Kansas drivers can save up to 30% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in Kansas
Nationwide offers the cheapest car insurance rates in Kansas for a full coverage policy with an average premium of $110 per month or around $1,316 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Kansas by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Kansas per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Nationwide | $110 |
| Travelers | $133 |
| Geico | $135 |
| Progressive | $161 |
| State Farm | $165 |
| Farmers | $166 |
| Shelter Insurance | $186 |
| Iowa Farm Bureau | $191 |
| Allstate | $247 |
| USAA* | $96 |
Note: USAA is only available to military community members and their families.
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Who pays the lowest auto insurance premiums in Kansas?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 7% less than single drivers.
- Kansas drivers with clean records pay 40% less than drivers who have a DUI on their record.
- Kansas drivers in their 20s pay 56% lower rates for insurance than a 16-year-old in Kansas.
- Adding a teen to your policy will cost you 75% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 32% less on their insurance premiums.
- Drivers insured for three or more years can save up to 24% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 8% for this state more on their premiums.
Cheapest Kansas companies for different coverage levels
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Kansas.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Kansas
Kansas requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Kansas, ranked from cheapest to most expensive for state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Geico | $263 |
| State Farm | $335 |
| Iowa Farm Bureau | $371 |
| Travelers | $398 |
| Nationwide | $416 |
| Progressive | $458 |
| Shelter Insurance | $562 |
| Farmers | $576 |
| Allstate | $767 |
| USAA* | $226 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Kansas
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Below, you’ll see average annual rates for major insurance providers in Kansas, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Geico | $296 |
| Nationwide | $383 |
| State Farm | $388 |
| Iowa Farm Bureau | $393 |
| Travelers | $423 |
| Progressive | $520 |
| Shelter Insurance | $585 |
| Farmers | $674 |
| Allstate | $824 |
| USAA* | $252 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Kansas for full coverage
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below lists major insurance providers in Kansas based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full Coverage Annual Rates |
|---|---|
| Nationwide | $1,316 |
| Travelers | $1,601 |
| Geico | $1,622 |
| Progressive | $1,937 |
| State Farm | $1,976 |
| Farmers | $1,992 |
| Shelter Insurance | $2,230 |
| Iowa Farm Bureau | $2,289 |
| Allstate | $2,968 |
| USAA* | $1,151 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Kansas by driving history
In Kansas, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Kansas, drivers with a history of such violations typically pay $529 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Kansas
If you have a speeding ticket on your Kansas driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,245 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $1,022 | $1,245 | 22% | $223 |
| Geico | $1,152 | $1,343 | 17% | $191 |
| State Farm | $1,392 | $1,485 | 7% | $92 |
| American Family | $1,303 | $1,652 | 27% | $349 |
| Travelers | $1,410 | $1,896 | 34% | $486 |
| Progressive | $1,529 | $1,931 | 26% | $401 |
| Farmers | $1,860 | $2,402 | 29% | $543 |
| Allstate | $2,401 | $2,657 | 11% | $257 |
| Auto-Owners | $1,877 | $2,813 | 50% | $936 |
| USAA* | $985 | $1,167 | 18% | $182 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Kansas after a DUI conviction
Kansas drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,485 a year, followed by American Family with an annual premium of $1,652 annually, based on recent data.
Drivers with clean driving records can expect to pay an average of 40% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,392 | $1,485 | 7% | $92 |
| American Family | $1,303 | $1,652 | 27% | $349 |
| Progressive | $1,529 | $1,657 | 8% | $127 |
| Nationwide | $1,022 | $2,130 | 108% | $1,108 |
| Travelers | $1,410 | $2,134 | 51% | $724 |
| Farmers | $1,860 | $2,468 | 33% | $608 |
| Allstate | $2,401 | $3,128 | 30% | $728 |
| Geico | $1,152 | $3,754 | 226% | $2,602 |
| Auto-Owners | $1,877 | $4,272 | 128% | $2,395 |
| USAA* | $985 | $2,324 | 136% | $1,339 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Kansas
The car insurance company with the cheapest driver rates after an at-fault accident is Nationwide, at $1,450 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,577 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $1,022 | $1,450 | 42% | $428 |
| State Farm | $1,392 | $1,577 | 13% | $185 |
| Travelers | $1,410 | $1,978 | 40% | $568 |
| Geico | $1,152 | $2,001 | 74% | $848 |
| Auto-Owners | $1,877 | $2,236 | 19% | $359 |
| Progressive | $1,529 | $2,322 | 52% | $793 |
| Farmers | $1,860 | $2,567 | 38% | $707 |
| Allstate | $2,401 | $3,387 | 41% | $986 |
| USAA* | $985 | $1,429 | 45% | $444 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Kansas have the lowest auto insurance rates?
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
In Kansas, Salina stands out as the city with the lowest auto insurance rates, at an average of $1,645 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Find below a list of Kansas cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Salina | $1,645 |
| Gardner | $1,674 |
| Lawrence | $1,685 |
| New Century | $1,690 |
| Edgerton | $1,692 |
| Manhattan | $1,694 |
| Spring Hill | $1,698 |
| Eudora | $1,704 |
| Olathe | $1,706 |
| De Soto | $1,711 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in Kansas?
By comparing car insurance quotes, you can save an average of 30% per year for a full coverage policy in Kansas.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Kansas: Save on premiums
Car insurance discounts in Kansas can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Kansas.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 2% | $39 |
| Anti-theft device | 2% | $47 |
| Daily commute | 9% | $173 |
| Days advanced purchase | 8% | $182 |
| Days per week driven | 8% | $172 |
| Education | 11% | $224 |
| Electronic funds transfer | 4% | $84 |
| Homeowner | 7% | $153 |
| Lower annual mileage | 6% | $139 |
| Loyalty – years renewal with company | 8% | $133 |
| Marital status | 7% | $111 |
| Multi policy | 9% | $169 |
| Paperless/electornic documents | 5% | $122 |
| Payment type | 10% | $214 |
| Primary use | 10% | $196 |
| Profession | 16% | $288 |
| Safety devices | 3% | $90 |
| Telematics | 13% | $209 |
| Years insured | 24% | $760 |
| Years licensed | 29% | $1,098 |
Final thoughts on cheap car insurance in Kansas
Our research shows that Nationwide has the cheapest full coverage car insurance rates in Kansas for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Kansas, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Kansas for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Kansas