If you’re a car insurance policyholder in Kansas, you’re probably like drivers across the country who are always on the lookout for ways to save money on premiums.

The 2022 national average for full coverage car insurance is $1,693 a year, according to CarInsurance.com research and the Kansas state average is $1,587 per year.

The good news is that just about anybody can get a discount on their insurance. In Kansas, several auto insurance discounts are available that can help reduce your costs by as much as 13% annually – saving you hundreds.

Key Highlights
  • Most car insurance companies offer a 4% discount to drivers in Kansas for completing a defensive driving course.
  • Kansas drivers can get a multi-policy discount of 9% for purchasing two or more insurance policies from the same company.
  • American Family and Progressive offer the most car insurance discounts to drivers among the carriers analysed in Kansas.
  • You can get a 3% discount on car insurance rates in Kansas for installing safety devices such as airbags and anti-lock brakes in your vehicle.

Common car insurance discounts in Kansas that can maximize your savings

While actual savings will vary depending on your insurance company, driver profile, and other factors, you may qualify for multiple discounts that will significantly lower your car insurance premiums.

What follows are the most common car insurance discounts available when shopping for insurance in Kansas. If you’re looking to save money on your auto policy, make sure you ask about these discounts.

Discount TypePotential Annual Savings
Daily Commute9%
Good Student16%
Low Annual Mileage5%
Safety Devices3%
Years Insured17%

How much can you save with discounts in Kansas?

As seen in the table above, you can get a 3% discount on car insurance rates if you install safety devices in your vehicle. And most insurance companies offer various discounts, including 16% for students with good grades, 4% for completing an approved defensive driving course, and many others including paying in full, owning a new car, or getting married.

Occupational discounts

One of the more interesting discounts is those based on profession. If you’re a doctor or nurse, you might qualify for a car insurance discount. And there are many other occupational discounts, for example, some insurance companies offer discounts for teachers or firefighters. This is because insurers consider these professionals less risky to insure

On average, drivers in these professions can get as much as a 16% discount on their car insurance cost in Kansas. 

Here are some of the occupations that score auto insurance discounts:-

  • Scientist
  • Engineer
  • Lawyer
  • Teacher
  • Doctor
  • Farmer
  • Law enforcement officer
  • Civil servant
  • Firefighter

Type of car insurance discounts in Kansas

Auto insurance premiums are calculated based on risk, including factors like age, driving experience, and location. But, in addition to the savings listed above, discounts are available for good driving history and habits and other behaviors. You can potentially save hundreds of dollars each year by making sure you take advantage of the offers below:

Discount TypePotential Annual Savings
Driver Profile & Education22%
Billing and Payments17%
Customer Loyalty27%
Driving History & Habits23%
Vehicle Equipment7%

Discounts based on the driver profile and education

Most of car insurance companies in Kansas offer discounts to those who take an approved driver education course or defensive driving course and those who prove they have a safe driving record. But there are many insurers who also give discounts to married people and students.

  • Marital status: Up to 11%
  • Good student discount: 10% to 21%

Discounts based on billing and payments

Another way to get a discount on your insurance is by going paperless and receiving your documents digitally. You can also pay in full, schedule automatic payments, and sign up online to reduce the cost of your insurance premium. 

You can also get an advance purchase discount on your car insurance if you sign up for coverage early. Some insurance providers give you a discount if you get a quote at least seven days before the policy’s effective date. You can get a similar deal if you switch early and have no lapse in coverage.

Here’s how much you can save :

  • Paid-in-full discount: 10%
  • E-payment discount: 6%
  • Paperless discount: 4%
  • Advance purchase discount: 7%

Discounts for customer loyalty and multi-policy

Insurers are always looking for ways to keep their customers, and often reward them with loyalty discounts.

Providers usually offer multi-car (insuring more than one car) and bundling (buying auto and home insurance policies from the same company) discounts. Drivers who stay with one insurance company for a length of time also may see discounts.

  • Long-term customer: Up to 9%

Insurance companies in Kansas offer a loyalty discount of up to 7% to their continuing customers after a certain amount of time, and some companies may increase the discount the longer you remain an active customer. 

  • Multi-policy: 3% to 14%

People who purchase two or more insurance policies from the same company can take advantage of the multi-policy discount. Kansas drivers can get a 9% multi-policy discount on their car insurance. Individuals who bundle their auto and home insurance policies usually get the highest discounts from insurers.

Discounts based on driving history

If you’ve been accident-free and ticket-free for the past three years, you can get a safe driver discount on your car insurance rates in Kansas. You can also lower your bill if your vehicle use is limited to a certain type of driving or if you don’t travel far. 

Take a look at some of the discounts that are available based on driving habits and driving history:

  • Primary use (farm) discount: 3% to 23%
  • Primary use (pleasure) discount: 1% to 15%
  • Low annual mileage discount: 1% to 8%

Discounts for anti-theft and safety devices

Insurers offer discounts to their customers for having anti-theft devices and safety features in their vehicles.

A number of car insurance companies offer about a 3% discount for vehicles with safety devices including airbags and anti-lock brakes. However, not every company provides these to policyholders in Kansas.

Also worth noting, if you have an anti-theft device or a vehicle recovery system attached to your car, you can get a discount on your car insurance. The amount of the discount depends on your insurer.

Discounts by insurance companies

Some insurance companies offer bigger discounts than others – and the savings can vary accordingly. Travelers doesn’t offer the most discounts, but it offers potentially the biggest combined discount in Kansas. Based on CarInsurance.com’s analysis, you can possibly save an average of up to 25% with Travelers.

American Family and Progressive have the most insurance discounts out of all the major car insurance companies doing business in Kansas, according to CarInsurance.com research.

Company NameNumber of Discounts OfferedPotential Savings
American Family 1812%
Progressive 1515%
Auto-Owners 1311%
Allstate 1210%
Farmers 1216%
Iowa Farm Bureau 1118%
Nationwide 117%
Travelers 1023%
State Farm 916%
Shelter 88%

Who has the cheapest car insurance in Kansas?

If you are looking for even more affordable rates, you can check out our guide to the cheapest car insurance and choose an insurance company accordingly.

Based on CarInsurance.com’s study, we found Nationwide and USAA with $86 per month and $87 per month, respectively, provide cheap car insurance rates in Kansas.

Laura Longero

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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.

John McCormick

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John McCormick

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.

Leslie Kasperowicz

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Leslie Kasperowicz

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.

Nupur Gambhir

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Nupur Gambhir

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.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.