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.
- According to recent data, Nationwide offers the cheapest full coverage car insurance in Kansas at $110 per month.
- Kansas drivers with a clean driving record pay 40% less for car insurance than drivers with a DUI.
- In Kansas, the city of Salina has the most affordable car insurance rates at $1,645 annually.
- Comparing price quotes from multiple insurers can help you save up to 30% per year on your car insurance policy in Kansas.
Car insurance companies with cheap car insurance in Kansas
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for Kansas drivers at a monthly rate of $110 or $1,316 a year.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Kansas. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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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Kansas drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 7% less than single drivers.
- Kansas drivers with clean records pay 40% less than drivers who have a DUI on their records.
- 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 insurers for different coverage levels in Kansas
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in Kansas
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Kansas, you must have at least the following insurance coverage on your car.
| 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
The following table lists Kansas’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 liability-only coverage in Kansas
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
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 full coverage car insurance in Kansas
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Kansas, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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 auto insurance in Kansas by driving history
Your driving history impacts insurance premiums in Kansas, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Kansas, drivers with a history of traffic violation pay an average of $529 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Kansas
A speeding ticket can impact your Kansas car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Nationwide has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,245 a 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 in Kansas after a DUI conviction
CarInsurance.com analyzed insurance rates for Kansas drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,485 . American Family is the second-cheapest insurer at an average of $1,652 per year.
If you have a clean record, you are likely to pay 40% less for car insurance than someone with a 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 companies in Kansas after an at-fault accident
Nationwide is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,450 .
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,577 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| 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?
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
Salina is the city with the lowest premiums in Kansas at an annual auto insurance rate of $1,645 .
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Kansas with the most affordable 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Kansas?
By comparing car insurance quotes, you can save an average of 30% per year for a full coverage policy in Kansas.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Kansas: Save on premiums
Kansas drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Kansas.
| 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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Managing 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