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Compare car insurance in Kansas

Get the cheapest car insurance in Kansas for 2021

The average cost of car insurance in Kansas is $985.34 per year or about $82 per month, according to the National Association of Insurance Commissioners (NAIC). For reference, the national average is about $1,190 a year, which makes Kansas 17% cheaper than what drivers pay across the country.

However, the NAIC takes in to account state minimum car insurance policies alongside policies with added coverage like comprehensive and collision. Because car insurance is affected by many factors, you may find yourself paying a different cost for auto coverage.

Kansas car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$985.34

No-fault state

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

Kansas state minimum car insurance requirements

Kansas law requires you to keep liability insurance to drive legally, along with personal injury protection and uninsured or underinsured motorist coverage. When shopping around, you’ll see the amount of liability coverage required written as 25/50/25. Those numbers tell you the maximum that your insurance will pay for damage, called the coverage limits.

Let’s go into detail about what’s covered by Kansas’s state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries per person
  • $50,000 for injuries to two or more people per accident

Kansas requires you to carry 25/50 for bodily injury liability, which pays up to $25,000 if you cause injuries to one person and $50,000 if you injure several people in the same accident.

The coverage kicks in for other people that get injured when you’re at fault, including drivers, passengers or pedestrians. You’ll see similar coverage limits required for bodily injury liability across many other states.

Property damage liability

Property damage liability

  • $25,000 in property damage liability

You also need $25,000 in coverage for property damage, which helps if you damage someone else’s car or personal property like a property owner’s fencing. This coverage limit is a standard amount in other states too, but think about opting for higher limits than this state minimum.

Personal injury protection or medical payments

Personal injury protection

  • $4,500 for medical costs per person
  • $4,500 for rehabilitation
  • $10,800 to cover disability and lost income for one year
  • $25 per day for in-home services
  • $2,000 for funeral expenses

In Kansas, you need personal injury protection (PIP) to take care of your medical bills, lost income or other expenses for accident-related injuries. The required coverage kicks in for you or your passengers no matter who’s at fault, and it offers more protection than you find in other states.

Kansas breaks down the amount of coverage required by the type of cost, such as $4,500 for medical expenses for each person injured. Loved ones also receive $25 per day for in-home services and $900 per month for lost income if an accident leads to your or a passenger’s death.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $25,000 for uninsured motorist bodily injuries per person
  • $50,000 for uninsured motorist bodily injuries to multiple people

Last, the state requires you to carry uninsured or underinsured motorist coverage, which protects you and your passengers against injuries caused by an underinsured driver. It also protects you for hit-and-run accidents.

Finder tip: Kansas state minimum coverage isn’t enough

Kansas builds additional coverage into its state requirements that not every state requires, but its coverage limits still won’t protect you against more serious car accidents. Think about raising your liability limits and adding other coverage, depending on your budget and driving needs.

7 factors that affect your car insurance premium in Kansas

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is, the less you pay. And the riskier you are, the more you’ll pay. We’ll break down Kansas’ rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20s with drivers over 50 paying the least.
Gender

Gender

Kansas takes gender into account when determining your rates. On average, men in Kansas pay less for car insurance than women. The average annual premium across all age categories for men is $1,424, nearly $20 more per year than women, who pay an average of $1,438.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

When it comes to vehicle theft, Kansas comes in just above the national average. For every 100,000 inhabitants, a little over 248 vehicles were stolen, according to Statista. The national average across the US is 246 cars for every 100,000 inhabitants.

As for uninsured drivers, 10.9% of Kansans on the road are uninsured. That ranks the state 28th out of 50 states for uninsured drivers, according to Insurance Information Institute.

Driving Record

Driving Record

The better your record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. A DUI in Kansas can increase your rate by as much as 73%. These types of violations typically stay on your record for about five years.

Kansas drivers with a clean driving record pay approximately $1,480 annually while Kansas drivers with an at-fault collision pay approximately $1,939 annually.

Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. According to the Bureau of Transportation, Kansans drive an average of 28.2 miles per day, that’s below the average across the US of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Kansas insurers charge the highest coverage rates for drivers with poor credit histories. Drivers with good credit scores could see an annual insurance rate of about $1,499. These rates rise to about $2,227 with a fair credit score and approximately $2,695 for those with poor credit.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. If you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too. Higher deductibles mean lower monthly premiums.

Low coverage costs in Kansas average to about $429 yearly, whereas high coverage can be anywhere around $1,428 on average.

Most popular Kansas auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$374,63319.2%
American Family$241,19312.4%
Progressive$225,24811.5%
Farm Bureau$145,3167.5%
Farmers$116,3356.0%
Allstate$113,0215.8%
Geico$112,1685.8%
USAA$109,1775.6%
Nationwide$82,3794.2%
Travelers$68,4043.5%

Cheapest car insurance in Kansas

CompanyAverage annual rateLearn more
Farmers$232
Allstate$588Get a quote Read review
State Farm$593
Geico$610Read review
Electric$622
USAA$656Get a quote Read review
Metromile$692Get a quote Read review
Farm Bureau$707
SafeAuto$830
Safeco$934

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
Allstate$1759
American Family$1095
Farmers$748
SafeAuto$2263
Geico$2067

Car insurance quotes in Salina

CompanyAnnual car insurance rate
Allstate$1803
American Family$990
Farmers$763
SafeAuto$2145
Geico$1807

Car insurance quotes in Wichita

CompanyAnnual car insurance rate
Allstate$1878
American Family$1111
Farmers$780
SafeAuto$2549
Geico$2068

Car insurance quotes in Garden City

CompanyAnnual car insurance rate
Allstate$2311
American Family$1219
Farmers$1034
SafeAuto$2402
Geico$2493

Car insurance quotes in Topeka

CompanyAnnual car insurance rate
Allstate$1674
American Family$1035
Farmers$828
SafeAuto$2564
Geico$2291

Compare car insurance providers in Kansas

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

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.

Frequently asked questions about car insurance in Kansas

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