Car insurance in Kansas

Cheap car insurance in Kansas

Last updated:

Kansas city night time

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

How much is car insurance in Kansas?

If you’re thinking of making changes to your auto insurance plan, you need to know your state’s minimum requirements.

Each state has its own specific auto insurance guidelines — some require liability insurance, others require personal injury protection coverage; a few require specific liability insurance while most are more lenient. States like Kansas require liability, PIP and uninsured or underinsured motorists coverage.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Choose from a long list of discounts and coverage for almost any driver.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Auto insurance providers for drivers in Kansas

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

Compare up to 4 providers

Most popular Kansas auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$374,63319.2%
American Family$241,19312.4%
Farm Bureau$145,3167.5%

Average car insurance costs in Kansas

Kansas typically ranks well for annual car insurance costs in the US, with averages usually falling between $1,150 and $1,250. The national average, for reference, is about $1,300 a year. This means if you’re over the age of 25 and you don’t have any serious black marks on your driving record, you can probably expect to pay somewhere around the state average.

However, because car insurance is affected by so many outside factors, many drivers still find themselves paying too much for auto coverage. Here are a few of those factors.

  • Age. Young drivers under 25, as well as seniors, will pay more for car insurance. Drivers under 25 — and especially male drivers under 25 — are believed by the insurance industry to be at high risk for car accidents. This means the older you get, the lower your car insurance rates will tend to be, until you reach a certain age.
  • Gender. Men can often expect higher premiums. This is sometimes further modified by age and marital status; the differences in cost between men and women mostly disappear by the age of 35.
  • Driving experience. L platers and P platers typically pay more, which often compounds the effect of age on premiums.
  • Type of car. You might think screaming down the highway in a red Corvette sounds like fun, and you’re probably right, but luxury and sports cars are almost always more costly to insure than sedans and minivans. This is for several reasons, but mostly because fast cars tend to be driven fast, putting these cars and their drivers at a higher risk for accidents.
  • Occupation. People who have long commutes or who drive around all day for work — say, outside sales representatives or transporters — can expect higher premiums. However, many professionals who drive a lot have work vehicles, or else have car insurance coverage through their employers to cover their mileage when they’re on the clock.
  • Marital status. Single people are seen by insurers as less stable than their married counterparts. If you get married, you’ll see your premiums decrease right away.
  • Location. Some places are at higher risk of theft, vandalism and other potential hazards, which incurs higher costs. Urban drivers are at higher risk for an accident than people who live far outside the city limits. Similarly, if your area is more prone to flooding or severe storms, you may see an impact on your premiums.
  • Claims history. The more car insurance claims you have made in the past, the higher your premiums will generally be.
  • Driving record. The more violations you have on your driving record, the more you can expect to pay for your car insurance. If you’re notorious for speeding, driving under the influence or trying to start a drag race at every red light, your insurer will likely know about it and raise prices accordingly.
  • Credit score. Like it or not, nearly all auto insurance providers use your credit score to help calculate your risk before arriving at a policy cost. This is because multiple independent studies indicate that if your credit score is low, you’re more likely to be involved in an accident.
    However, there are a few states where car insurance providers aren’t allowed to use credit to determine rates — California, Massachusetts and Hawaii.
  • Other drivers. Only certain people will be approved to drive the car, and all of them impact the cost. Even the world’s safest driver will get a substantial price hike by listing another less-safe driver on the policy.
  • Typical driving habits. Your typical distance driven, how often you get behind the wheel and where you drive all play a part in your car insurance prices.

Cheapest car insurance in Kansas

CompanyAverage annual rateLearn more
State Farm$593
Farm Bureau$707

Which city has the cheapest car insurance in Kansas?

Of Kansas’s largest cities, Olathe has the cheapest rates and Topeka has the most expensive car insurance rates. Topeka drivers could face rates 3 times more than Olathe drivers.

Car insurance quotes in Olathe

CompanyAnnual car insurance rate
American Family$1095

Car insurance quotes in Salina

CompanyAnnual car insurance rate
American Family$990

Car insurance quotes in Wichita

CompanyAnnual car insurance rate
American Family$1111

Car insurance quotes in Garden City

CompanyAnnual car insurance rate
American Family$1219

Car insurance quotes in Topeka

CompanyAnnual car insurance rate
American Family$1035

Car insurance requirements in Kansas

Kansas law mandates that residents need to have the following liability insurance to drive:

  • $25,000 for bodily injury, per person.
  • $50,000 for total bodily injury, per accident.
  • $25,000 for property damage.

When shopping for coverage, you’ll sometimes see this written as 25/50/25.

You’ll also need to buy personal injury protection (PIP). This will cover any injuries suffered by you or your passengers, regardless of who was at fault for the accident. You will have to at least purchase:

  • $4,500 per person for medical costs.
  • $10,800 ($900 per month) for a year of disability and loss of income.
  • $25 per day for in-home services.
  • $2,000 for funeral, cremation or burial expenses.
  • $4,500 for rehabilitation

Bottom line

Carrying auto insurance protects you, your family and fellow drivers. Research your insurance options to make sure that you’re receiving the coverage you need — and that your state requires.

To learn more about these topics, from the best coverage and rates to state laws and regulations, visit our comprehensive guide to car insurance.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions about car insurance in Kansas

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site