Cheapest Car Insurance In Kansas (2024)
The cheapest car insurance in Kansas comes from USAA at $25 per month on average.
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As car insurance costs go up, it’s smart for drivers in Kansas to compare different policies to find the cheapest coverage available. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we’ll tell you how to save money on insurance and help you find the least expensive car insurance in Kansas that matches your driving record.
Key Points
- USAA is the cheapest car insurance company in Kansas overall, with an average rate of $25 per month for minimum coverage and $131 per month for full coverage.
- GEICO and Travelers also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have a history of traffic violations, your car insurance rates will be higher than average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Cheap Car Insurance Kansas
Car insurance companies have different ways of evaluating driver profiles, so the provider that offers the lowest price for one driver may not offer the lowest price for you. For instance, here is some information on the auto insurance providers in Kansas that offer the cheapest rates for various driver profiles.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | $25 | $304 |
| Full coverage | USAA | $131 | $1,574 |
| 16-year-olds | Farm Bureau | $105 | $1,258 |
| 45-year-olds | USAA | $22 | $259 |
| High-risk drivers | Travelers | $42 | $500 |
| After a speeding ticket | USAA | $31 | $372 |
| After an accident | USAA | $37 | $443 |
| After a DUI | Progressive | $43 | $516 |
| Poor credit drivers | GEICO | $29 | $346 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Kansas?
In general, we discovered that USAA provides the least expensive car insurance in Kansas for various types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Kansas.
These rates apply to drivers in Kansas who are of various ages, live in different places, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Kansas: USAA
Drivers looking for the most affordable coverage that just meets Kansas state minimum requirements may find it at USAA for about $25 per month or $304 per year on average.
| Cheapest Car Insurance in Kansas | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $25 | $304 |
| GEICO | $29 | $346 |
| Travelers | $34 | $410 |
| Farm Bureau | $36 | $431 |
| Progressive | $39 | $462 |
| Nationwide | $47 | $559 |
| State Farm | $50 | $602 |
| Shelter | $52 | $622 |
| Farmers | $77 | $929 |
| Allstate | $80 | $965 |
Cheapest Full Coverage In Kansas: USAA
If you want the best coverage at a great price, USAA is the best choice. The provider offers full-coverage insurance for an average of $131 per month.
Full-coverage insurance policies in Kansas generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Kansas | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $131 | $1,574 |
| GEICO | $132 | $1,581 |
| Nationwide | $140 | $1,676 |
| Travelers | $144 | $1,725 |
| Shelter | $192 | $2,307 |
| Farm Bureau | $235 | $2,824 |
| Progressive | $240 | $2,884 |
| State Farm | $246 | $2,948 |
| Farmers | $248 | $2,976 |
| Allstate | $273 | $3,275 |
Cheapest Car Insurance In Kansas: Age
Below, you’ll find average insurance costs for Kansas drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. People aged 30 to 55 usually receive the most affordable car insurance rates as they have more road experience. In addition, they have lower chances of getting into car accidents compared to younger drivers, which is supported by statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $213 | $736 |
| 25 | $51 | $214 |
| 35 | $43 | $182 |
| 45 | $42 | $174 |
| 55 | $40 | $157 |
Cheapest Kansas Car Insurance: Young Drivers
As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. The reason for this is mainly because these drivers have less practice driving and are more likely to disobey traffic rules and get into car accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Kansas Car Insurance For 16-Year-Olds: Farm Bureau
If you’re a teen driver or the parent of one, Farm Bureau may be your best bet for finding the most affordable car insurance in Kansas.
The company’s cheapest average rates for 16-year-old drivers are $105 per month or $1,258 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $404 per month or $4,853 per year from Nationwide.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Farm Bureau | $105 | $577 |
| Travelers | $109 | $441 |
| GEICO | $121 | $521 |
| USAA | $122 | $524 |
| Nationwide | $167 | $404 |
| State Farm | $207 | $761 |
| Shelter | $211 | $860 |
| Progressive | $220 | $1,009 |
| Farmers | $420 | $1,017 |
| Allstate | $449 | $1,251 |
Cheapest Kansas Car Insurance For 25-Year-Olds: USAA
Car insurance rates decrease significantly for young drivers in their 20s compared to what teenage drivers pay. However, the rates for this age group can still be high depending on the insurance company you select.
USAA provides the cheapest car insurance costs on average at $28 per month or $336 per year for minimum coverage. GEICO costs $141 per month or $1,693 per year for full coverage.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $28 | $145 |
| GEICO | $31 | $141 |
| Travelers | $34 | $150 |
| Farm Bureau | $40 | $255 |
| Progressive | $41 | $252 |
| Nationwide | $52 | $148 |
| State Farm | $55 | $272 |
| Shelter | $62 | $226 |
| Allstate | $80 | $288 |
| Farmers | $82 | $263 |
Cheapest Kansas Car Insurance: Adult Drivers
People who are in their 40s usually have to pay the least amount of money for car insurance. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Kansas Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $23 per month or $271 per year. For full coverage, USAA’s rates average $118 monthly or $1,411 annually.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $23 | $118 |
| GEICO | $27 | $122 |
| Farm Bureau | $32 | $215 |
| Travelers | $34 | $138 |
| Progressive | $36 | $229 |
| Nationwide | $41 | $132 |
| Shelter | $42 | $158 |
| State Farm | $45 | $219 |
| Farmers | $72 | $233 |
| Allstate | $81 | $258 |
Cheapest Kansas Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $22 per month or $259 per year. The cheapest full coverage comes from USAA at $111 per month or $1,334 per year.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $22 | $111 |
| GEICO | $27 | $123 |
| Farm Bureau | $32 | $211 |
| Travelers | $32 | $125 |
| Progressive | $35 | $206 |
| Nationwide | $40 | $121 |
| Shelter | $42 | $158 |
| State Farm | $46 | $213 |
| Farmers | $69 | $214 |
| Allstate | $81 | $258 |
Cheapest Kansas Car Insurance For 55-Year-Olds: USAA
People who are in their 50s can usually get the most affordable car insurance rates in Kansas from USAA. The insurer’s average premiums are $21 monthly or $252 annually for minimum coverage. The cheapest full coverage option is from USAA, costing $111 monthly or $1,334 annually
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $21 | $106 |
| Farm Bureau | $27 | $178 |
| GEICO | $27 | $119 |
| Travelers | $31 | $112 |
| Progressive | $32 | $177 |
| Shelter | $34 | $128 |
| Nationwide | $38 | $111 |
| State Farm | $44 | $199 |
| Farmers | $64 | $198 |
| Allstate | $83 | $248 |
Cheapest Car Insurance In Kansas: High-Risk Drivers
Besides the type of coverage and your age, the way you drive greatly impacts how much you will be charged for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are at a higher risk of accidents and have a lot of violations on their driving records are charged higher rates for car insurance. On average, Kansas motorists who are deemed high-risk may find the most affordable rates from Travelers for minimum coverage or Travelers for full coverage.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $42 | $194 |
| USAA | $43 | $220 |
| Progressive | $51 | $294 |
| State Farm | $56 | $263 |
| GEICO | $64 | $273 |
| Farm Bureau | $64 | $402 |
| Nationwide | $72 | $230 |
| Shelter | $102 | $362 |
| Allstate | $105 | $357 |
| Farmers | $108 | $333 |
Cheapest Kansas Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $31 per month or $372 per year for minimum coverage and $161 per month or $1,936 per year for full coverage.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $31 | $161 |
| GEICO | $37 | $161 |
| Travelers | $39 | $184 |
| Farm Bureau | $47 | $295 |
| Progressive | $49 | $292 |
| State Farm | $54 | $257 |
| Nationwide | $56 | $170 |
| Shelter | $71 | $234 |
| Allstate | $89 | $302 |
| Farmers | $99 | $317 |
Cheapest Kansas Car Insurance For Drivers With An At-Fault Accident: USAA
Getting into a car accident in Kansas can also make your car insurance rates go up. USAA tends to offer the most affordable rates on average at about $37 per month or $443 per year for minimum coverage and $184 per month or $184 per year for full coverage.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $37 | $184 |
| Travelers | $42 | $194 |
| GEICO | $54 | $238 |
| Farm Bureau | $58 | $354 |
| State Farm | $59 | $273 |
| Progressive | $61 | $330 |
| Nationwide | $71 | $228 |
| Shelter | $102 | $378 |
| Farmers | $119 | $358 |
| Allstate | $121 | $412 |
Cheapest Kansas Car Insurance For Drivers With A DUI: Progressive
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Kansas from Progressive for $43 per month or $516 per year on average. They also have rates of $258 monthly or $3,098 annually for full coverage.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Progressive | $43 | $258 |
| Travelers | $44 | $205 |
| State Farm | $54 | $257 |
| USAA | $62 | $313 |
| Farm Bureau | $88 | $557 |
| Nationwide | $90 | $292 |
| GEICO | $101 | $419 |
| Allstate | $105 | $356 |
| Farmers | $106 | $325 |
| Shelter | $132 | $475 |
Cheapest Kansas Car Insurance For Drivers With Poor Credit: GEICO
People who have bad credit are charged more for their car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $42 per month or $510 per year and an average full-coverage rate of $184 per month or $2,208 per year.
| Cheapest Car Insurance in Kansas | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $42 | $184 |
| USAA | $44 | $240 |
| Travelers | $54 | $234 |
| Progressive | $63 | $396 |
| Farm Bureau | $69 | $435 |
| Nationwide | $70 | $208 |
| Shelter | $81 | $373 |
| Farmers | $118 | $372 |
| Allstate | $121 | $448 |
| State Farm | $354 | $1,222 |
Average Cost Of Car Insurance In 10 Kansas Cities
Another thing that affects how much you have to pay for car insurance in Kansas is where you live. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people.
- There are an increased number of cars driving on the road.
- More frequent car accidents.
- More instances of breaking traffic laws
- More incidents of car theft and car vandalism
- Extreme weather conditions
Certain factors that increase the likelihood of facing risks have a bigger impact on car owners residing in big cities. This is why drivers in bustling cities tend to pay the highest average amount for car insurance with minimal coverage. On the other hand, drivers living in rural areas with lower crime rates and smaller populations are more likely to enjoy lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Wichita | $54 | $181 |
| Olathe | $49 | $156 |
| Overland Park | $51 | $156 |
| Kansas City | $58 | $201 |
| Manhattan | $39 | $154 |
| Leavenworth | $47 | $167 |
| Topeka | $45 | $161 |
| Lawrence | $45 | $155 |
| Lenexa | $51 | $155 |
| Hutchinson | $44 | $173 |
Top 5 Car Insurance Companies In Kansas
Besides the price, we’ve examined more than 40 insurance companies to determine the top five insurers for Kansas residents. We considered their coverage, service, and reliability in our analysis. Based on our research, we found USAA to be the best provider for most drivers in Kansas. These are the ratings we have given to the options we recommend.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Kansas
You have a few options to reduce how much you pay for car insurance in Kansas. These include:
- Opting for minimum coverage: If you buy the least amount of car insurance required by your state, it will be the most affordable option.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Obtaining price estimates from different companies can assist you in understanding which provider is offering the most advantageous offer.
Many insurance companies provide usage-based insurance programs as a way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might be eligible for a big discount, but certain programs may increase your rates if you demonstrate risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Kansas Require For Car Insurance?
Drivers in Kansas must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
- Personal injury protection required including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral or burial or cremation costs, and $4,500 for rehabilitation. Survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Kansas
When it comes to both minimum and full coverage, USAA is the best and cheapest car insurance company for most drivers in Kansas. While the above costs can give you an idea of what you’d pay for car insurance in Kansas, requesting a customized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and free online tools for getting quotes. Alternatively, you can directly contact an insurance agent or representative from the company. Once you have gathered quotes from at least three providers, take the time to compare them and find the one that suits you best.
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Best Cheap Car Insurance In Kansas: FAQ
Here are some frequently asked questions about car insurance in Kansas:
How much is car insurance per month in Kansas?
Is Kansas Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.