Drivers in Kansas looking to save on car insurance bills would be wise to shop around. As you’ll see, car insurance rates vary widely by company. We evaluated 10 large insurance companies to find the best rates for a variety of drivers.
Featured Car Insurance Partners
1
USAA
Excellent
C+
OK
2
State Farm
Very good
C
Low
3
Travelers
Good
C+
Very Low
Finding Cheap Car Insurance in Kansas
Shopping around to find cheap car insurance in Kansas shouldn’t be a hassle. We evaluated companies in Kansas to find the lowest costs.
Cheap Kansas Car Insurance for Good Drivers
Geico and USAA are the cheapest Kansas car insurance companies for good drivers, among the companies we analyzed.
Cheap Car Insurance in Kansas for Drivers With a Speeding Ticket
A speeding ticket increases car insurance rates by 26% in Kansas. The exact rate increase will vary by insurance company. Even though you’ll see higher insurance rates, you can still shop around for the best car insurance.
Geico and USAA have the cheapest average costs for drivers with a speeding ticket in Kansas, so make sure to get quotes from those companies if you’re shopping for Kansas vehicle insurance and have a speeding ticket on your record.
Cheap Kansas Car Insurance for Drivers Who Caused an Accident With Injury
Causing a car crash that results in an injury to someone else will make it harder to find cheap car insurance. Our analysis found an average increase of 44% in Kansas compared to drivers with a good driving record.
If you cause an accident with an injury, USAA and Geico may have the most competitive rates among the insurance companies in our analysis.
Cheap Kansas Car Insurance for Drivers With a DUI
Car insurance costs in Kansas go up an average of 63% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.
The cheapest Kansas car insurance companies for drivers with a DUI are Progressive and State Farm, among the insurers we analyzed.
Cheap Kansas Car Insurance for Drivers With Poor Credit
Kansas car insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 70% more for car insurance in Kansas.
Progressive and State Farm may be good options if you’re looking for cheap Kansas auto insurance and you have poor credit.
Cheap Kansas Car Insurance for Adding a Teen Driver
Adding a teen to your auto insurance increases rates by an average of 76% in Kansas, compared to rates for a married couple without a teen driver.
Take a look at quotes from American Family and National Farmers Union P&C if you’re looking for cheap car insurance for teens in Kansas.
Cheap Kansas Car Insurance for Young Drivers Ages 18 to 25
Getting your own car insurance is a costly entry into adulthood. Our analysis found that Nationwide and USAA offer the cheapest Kansas car insurance for young drivers.
Cheap Kansas Car Insurance for Senior Drivers Ages 60-80
Nationwide and USAA offer the best car insurance for seniors who are looking for low costs in Kansas. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Defensive Driving Discount in Kansas
Kansas drivers must get a defensive driving discount for three years after completing an approved accident prevention course. The state requires only one defensive driving discount per person. You can show a certificate of completion to get this discount.
Least Expensive Vehicles for Insurance in Kansas
You may be able to save money on car insurance depending on what type of car you own. In Kansas, the Jeep Compass Latitude, Honda CR-V LX and Jeep Wrangler JL Sport are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models.
The most expensive cars for insurance in Kansas among popular models are the Tesla Model 3 Standard Plus ($2,367 a year) and the Tesla Model S Performance/Plaid ($4,004 a year).
| Vehicle | Average annual premium in Kansas |
|---|---|
|
Jeep Compass Latitude
|
$1,540
|
|
Honda CR-V LX
|
$1,545
|
|
Jeep Wrangler JL Sport
|
$1,547
|
|
Chevrolet Equinox L
|
$1,566
|
|
Ford Escape S
|
$1,568
|
|
Chevrolet Trax LS
|
$1,568
|
|
Ford F-150 XL
|
$1,571
|
|
Hyundai Tucson SE
|
$1,577
|
|
Dodge Grand Caravan SE
|
$1,581
|
|
Volkswagen Tiguan SE
|
$1,585
|
|
Subaru Crosstrek
|
$1,595
|
|
Toyota Tacoma SR
|
$1,613
|
|
Subaru Forester 2.5I
|
$1,615
|
|
Ford Edge SE
|
$1,622
|
|
Chevrolet Traverse LS
|
$1,623
|
|
Toyota RAV4 LE
|
$1,629
|
|
Mazda CX-5 Grand Touring
|
$1,654
|
|
Honda Pilot SE
|
$1,657
|
|
Chevrolet Blazer 2LT
|
$1,657
|
|
Kia Sportage EX
|
$1,658
|
Required Minimum Kansas Auto Insurance
Kansas requires a minimum amount of liability insurance, personal injury protection and uninsured motorist insurance. Let’s take a look at each coverage type and the required amount.
Liability car insurance. This is essential coverage that pays others for damage and injuries you cause. It also covers legal defense if someone files a lawsuit against you because of a car accident. Car owners in Kansas must buy liability coverage with at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to multiple people in one accident
- $25,000 for damage to property in one accident
Here’s the thing: The minimum liability requirements in Kansas are not enough. If you cause an accident with multiple injuries, medical bills could quickly surpass the minimum policy limits and you could be sued for the rest. The best strategy is to protect your net worth. If you have assets (like a home) and a savings account, it makes sense to purchase liability car insurance with much higher limits.
Personal injury protection (PIP). This coverage pays for medical expenses for you and your passengers injured in a car accident, no matter who was at fault. PIP also pays for rehabilitation, funeral expenses, lost wages and in-home assistance for tasks you cannot perform due to injuries. Car owners in Kansas must purchase PIP coverage with at least:
- $4,500 per person for medical expenses
- $900 per month for one year for disability and loss of income
- $25 per day for in-home services
- $2,000 for funeral, burial or cremation expenses
- $4,500 for rehabilitation expenses
- $900 per month for one year for disability and loss of income
- $25 per day for in-home services
Uninsured/Underinsured motorist coverage. Uninsured motorist coverage (UM) covers you when a driver crashes into you and they do not have liability insurance. Underinsured motorist coverage (UIM) covers you when a driver crashes into you and they do not carry enough car insurance.
These coverage types pay for you and your passengers’ medical bills, rehabilitation and funeral costs when someone crashes into you and they don’t have any (or enough) liability insurance. This also covers hit-and-run accidents, and you and your family if you’re struck as pedestrians or while riding a bike.
Car owners in Kansas must buy UM/UIM insurance with at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to multiple people in one accident
You can reject UM/UIM coverage that exceeds the minimum amount.
What Else Should I Have In Kansas?
Collision and comprehensive insurance. These insurance types cover a range of problems. If you get in a car accident or your car rolls over, collision insurance pays for repairs. Comprehensive coverage pays for car theft and damage from problems such as vandalism, riots, fire, flooding, falling objects and collisions with animals like birds and deer.
Collision and comprehensive coverage are typically sold as a package. While they’re not required, if you have a car loan or lease, your lender or leasing company will likely require them.
Summary: Required Kansas Car Insurance
| Coverage type | Required minimum in Kansas |
|---|---|
|
Liability insurance
|
|
|
Uninsured/underinsured motorist coverage
|
|
|
Personal injury protection
|
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone in Kansas?
In Kansas you can show an auto insurance ID card from a phone. Check with your car insurance company to see if it has a mobile app that includes access to electronic insurance ID cards.
Factors Allowed in Kansas Auto Insurance Rates
Auto insurance companies usually use driving records, past claims, vehicle models and more when setting rates. In Kansas, companies can also use these factors.
| Factor | Allowed in Kansas? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Kansas?
About 11% of Kansas drivers have no car insurance, according to the Insurance Research Council.
If an uninsured driver crashes into you, you can try to sue them. Or you can use your own uninsured motorist coverage for injuries, and your collision coverage for vehicle damage.
Penalties for Driving Without Auto Insurance in Kansas
If you get caught driving without insurance in Kansas, you could get a fine between $300 and $1,000. If you get caught a second or subsequent time within three years of the prior offense, you can expect a fine between $800 and $2,500.
When Can a Vehicle Be Totaled in Kansas?
A vehicle can be totaled in Kansas when damage exceeds 75% of the vehicle’s value at the time of the accident.
Get Help Solving Insurance Issues
The Kansas Insurance Department is responsible for monitoring insurance companies and assisting Kansas insurance consumers. If you have an unresolved issue with your insurance company, you can file a complaint.
Methodology
To find the cheapest auto insurance companies in Kansas, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Kansas are based on rates from Allied, Allstate, American Family, Auto-Owners, Electric, Farm Bureau Mutual (Iowa Group), Farmers, Geico, National Farmers Union P&C, Nationwide, Progressive, Safe Auto, Sentry, Shelter, State Farm, Travelers and USAA.
