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.
- Nationwide has the cheapest car insurance rates in Kansas for full coverage at $110 a month among the companies analyzed by the team of CarInsurance.com.
- In Kansas, drivers with clean driving records pay 40% less than drivers with a DUI.
- The city of Salina has the lowest auto insurance rates in Kansas, with an average premium of $1,645 per year.
- You can save up to 30% per year on your car insurance policy in Kansas by comparing price quotes from multiple insurers.
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 Kansas companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Kansas
In Kansas, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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 car insurance companies in Kansas for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Kansas based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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 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 in Kansas after a speeding ticket
If you have a speeding ticket on your Kansas driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,245 per 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 in Kansas after an at-fault accident
If you’re a driver with an at-fault accident on your record, Nationwide is the cheapest option, offering car insurance at an average cost of $1,450 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Kansas
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.
In Kansas, Salina stands out as the city with the lowest auto insurance rates, at an average of $1,645 per year.
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
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
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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