Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
Although you may not be driving your car at Kansas Speedway, it is important to protect your vehicle.
To find the lowest estimated rates for minimum car insurance, we compared the rates of Kansas insurance companies.
To evenly compare rates and get a baseline view, we used a neutral driver profile (no claims, accidents, or tickets). Your driving record and other factors that impact car insurance such as vehicle type, age, and coverage options can all affect the rates you receive.
Continue reading to find out about Kansas’ average car-insurance rates. We also reveal our findings regarding the most affordable basic coverage options.
Kansas car insurance rates
Kansas’s average monthly auto insurance premiums
|
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Kansas offers full-coverage auto insurance | $197.58 |
| Kansas has a minimum state-minimum auto insurance | $44.19 |
| Kansas drivers with bad credit | $73.11 |
| Kansas Drivers with Multiple Claims | $92.28 |
| Young drivers in Kansas | $70.17 |
Based upon our standard driver profile, minimum coverage, unless noted
Kansas’s cheapest car insurance companies
Geico provided the lowest car insurance rates for a variety of driver profiles and needs. Keep in mind that the rates shown below are based on a particular driver profile. Your rates may differ.
Our Kansas driver profile, unless otherwise noted, includes a 680-719 credit score, no tickets, coverage gaps, an average age of 36 to 45, and a car valued between $20,000 and $30,000.
1. Geico
Geico offers basic coverage for Kansas drivers starting at $21.72 per monthly for car insurance. Geico offers standard coverage options that include liability and add-ons like collision, medical, uninsured driver, and comprehensive. There are many discounts available. It is possible to save money by purchasing certain equipment, following safe driving habits, meeting certain benchmarks in driver education, and having loyal customers.
Geico reviews
2. USAA
USAA could offer basic coverage to our Kansas driver profile for as low as $27.72 per monthly. USAA members, as well as their families, can get car insurance from USAA. You may be eligible for discounts by bundling your policies, setting up automatic payment, garaging your car on a military base, or signing up for USAA’s SafePilot(r), if available.
Review USAA Car Insurance.
3. Auto-Owners insurance
Our Kansas driver profile could get a basic policy for as little as $29.13 with Auto-Owners Insurance. Additional coverage offered includes collision, comprehensive, bodily injury and property damage, underinsured/uninsured motorist, medical payments and gap coverage, diminished value protection and roadside assistance. Auto-Owners offers many discounts including multipolicy discounts and multivehicle discounts as well as student discounts, safety features discounts and discounts when you pay your premium in full.
See reviews about Auto-Owners car coverage.
4. All over the country
Nationwide may offer Kansas drivers minimum car insurance starting at $34.42 per month. On top of basic coverage, Nationwide offers a wide array of add-on coverages like property damage, personal injury protection, medical payments and uninsured/underinsured motorist coverages. There are also coverage options for collision, comprehensive, gap and rental car expense. Towing and labor coverages can also be purchased. You can also get roadside assistance, accident forgiveness, roadside help, vanishing or total loss deductible waiver, and roadside assistance.
Review Nationwide car insurance.
5. State Farm
For a basic policy, the Kansas driver could get car insurance through State Farm at $34.50 per monthly. State Farm offers additional coverage options, including collision, comprehensive, uninsured/underinsured motorist, medical payments, rental insurance, rideshare and emergency road service coverages. State Farm offers a variety of discounts, many of which are aimed at younger drivers.
See reviews about State Farm car insurance.
The cheapest full-coverage auto insurance in Kansas
Full coverage covers bodily injury, property damages, personal injury protection, collision, and comprehensive coverages. Kansas requires a minimum 25/50/25 auto policy. This is not considered to be full coverage. If you finance your vehicle, however, your lender might require full coverage.
These companies offer full-coverage insurance at the best rates.
5 Best Full-Coverage Car Insurance Companies in Kansas
|
1 |
Auto-Owners Insurance |
$97.38/month |
|
2 |
American Family |
$105.40/month |
|
3 |
USAA |
$125.18/month |
|
4 |
Farm Bureau Mutual (IA Group) |
$127.46/month |
|
5 |
Nationwide |
$152.42/month |
Based upon our standard driver profile, seeking full coverage in Kansas
Kansas’s lowest-priced state-minimum auto insurance
State-minimum coverage is often the most affordable. It may be suitable for drivers with older cars or those who are looking for the lowest premium. These companies have the lowest rates available for drivers who are interested in coverage beyond state-minimum.
Kansas’s cheapest car insurance companies for state-minimum coverage
|
1 |
Geico |
$21.72/month |
|
2 |
USAA |
$27.72/month |
|
3 |
Auto-Owners Insurance |
$29.13/month |
|
4 |
Nationwide |
$34.42/month |
|
5 |
State Farm |
$34.50/month |
Based upon our standard driver profile, seeking minimum coverage for Kansas
Best car insurance for people with good credit in Kansas
Drivers with good credit generally pay less for car insurance than those with poor credit. These are the Kansas car insurance companies that offer the best deals for drivers with good credit.
Kansas’s cheapest car insurance companies for people with good credit
|
1 |
Geico |
$19.42/month |
|
2 |
Auto-Owners Insurance Co |
$23.35/month |
|
3 |
USAA |
$24.43/month |
|
4 |
State Farm |
$25.26/month |
|
5 |
Nationwide |
$28.81/month |
Based upon our standard driver profile, adjusted for Kansas drivers with a credit score greater than 720
Kansas’s lowest car insurance rates for people with poor credit
Drivers with bad credit might also pay more for their car insurance. Your premium will be determined by more than just credit. You can lower your rates by driving safely. For drivers with lower credit scores, the companies listed below might offer Kansas’s lowest rates.
Kansas’s cheapest car insurance companies for people with bad credit
|
1 |
Geico |
$26.44/month |
|
2 |
Nationwide |
$48.98/month |
|
3 |
USAA |
$51.42/month |
|
4 |
Auto-Owners Insurance |
$59.02/month |
|
5 |
Shelter |
$59.75/month |
Based on our standard driver profile. Adjusted to show rates for Kansas drivers with a credit score of less than 580
Cheapest car Insurance for Drivers with Multiple Claims in Kansas
Car insurance rates can be affected by your claims history. Drivers with multiple claims will pay more than those with clean records and only one or two claims. Below are the five insurance companies that offer the lowest rates to drivers who have multiple claims.
5 Best Kansas Car Insurance Companies for Multiple Claims
|
1 |
Geico |
$44.33/month |
|
2 |
Auto-Owners Insurance |
$55.46/month |
|
3 |
State Farm |
$56.33/month |
|
4 |
USAA |
$68.90/month |
|
5 |
Nationwide |
$69.46/month |
Based upon our standard driver profile, adjusted for Kansas drivers with two claims and not zero
Kansas’s cheapest car insurance for teenagers
Younger drivers might find their insurance premiums more expensive than older drivers who have similar coverages. Your rates will decrease as you improve your driving record and keep your records clean. These companies offer the lowest rates for young drivers aged between 18 and 21.
Top 5 Cheapest Kansas Car Insurance Companies for Young Drivers
|
1 |
Westfield |
$38.13/month |
|
2 |
Auto-Owners Insurance |
$44.63/month |
|
3 |
Geico |
$48.13/month |
|
4 |
Tennessee Farmers |
$48.17/month |
|
5 |
State Farm |
$52.58/month |
Based upon our standard driver profile, adjusted for Kansas drivers 18-21 years old instead of 36-45
Kansas car insurance requirements
Kansas has a $25,000 minimum for each person, $50,000 per accident and $25,000. Kansas also requires uninsured motorist and bodily injury coverage. The law also requires that drivers carry $25,000 in personal injury and property damage coverage. Your coverage obligations will be greater if you have a car lease or loan.
Is there usage-based insurance in Kansas
Usage-based vehicle insurance allows customers to pay premiums according to their driving habits. Kansas residents may be eligible to participate in the UBI programs offered by their insurance companies.
FAQs regarding Kansas’s cheapest car insurance rates
What is Kansas’ minimum auto insurance?
Kansas has a $25,000 minimum for each person, $50,000 per accident and $25,000. Kansas also requires uninsured motorist and bodily injury coverage. The law also requires that drivers carry $25,000 in personal injury and property damage coverage. Your coverage obligations will be greater if you have a car lease or loan.
What is Kansas’s minimum fine for driving without insurance?
You could be fined between $300 and $1,000 for driving without insurance in Kansas. This could lead to up to six months imprisonment or both. A second conviction could result in a $800 to $2,500 fine.
Kansas is a state that does not have to be feigned?
Kansas is a state that does not have a fault, meaning each driver’s insurance will cover their injuries in the event of an auto accident.
Methodology
Based on a Kansas driver aged 36-45, the estimated rates shown in this article are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and is in good condition. Rates for insurance for good credit are based on scores between 720 and 15,000. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors, including vehicle driving habits and past history.
Full-coverage car insurance covers bodily injury, property damages, personal injury protection, collision, and comprehensive coverages. Kansas’s 25/50/25no fault insurance policy is included in the average monthly premium for car insurance.