- 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.
The cheapest car insurance in Kansas costs $110 per month for a full coverage policy from Nationwide. That’s a $48 savings from the average cost of insurance in the state, which is $158 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Kansas including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest 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.
Who pays the lowest auto insurance premiums in Kansas?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- 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 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 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 are the average annual rates from major insurance companies in Kansas, ranked from cheapest to the most expensive for the 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 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 in Kansas
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and 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
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Cheapest car insurance in Kansas, by driving history
Your driving history affects how much you pay for insurance in Kansas because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $529 more annually in Kansas than an individual with a clean driving record.
Cheap car insurance rates in Kansas after a speeding ticket
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.
Cheap car insurance rates after a DUI conviction in Kansas
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.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 40% less than drivers with a DUI on their record.
| 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
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 found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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.
Check out the most affordable insurance options in your neighboring state
Kansas cities with 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.
Salina is the city with the lowest premiums in Kansas at an annual auto insurance rate of $1,645.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance 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
Average savings on car insurance in Kansas
If you compare car insurance quotes, you could enjoy an annual saving of around 30% on 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
In Kansas, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Kansas below.
| 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 |
The bottom line on cheap car insurance in Kansas
Based on our research, if you are a good driver, Nationwide is the cheapest in Kansas for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Kansas is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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