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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 injury-related expenses after 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.

Cheapest rates by age in Kansas

USAA is a young driver’s friend in Kansas, offering the lowest rates for drivers under age 25 in this sample. However, Geico and Progressive stand neck-and-neck for the lowest rates for other ages.

AgeAllstateProgressiveGeicoUSAA
16-24$179.81$173.37$176.83$161.60
25-34$139.73$127.60$127.16$138.07
35-44$162.38$113.90$107.11$128.00
45-54$116.44$96.90$106.96

Cheapest rates by gender in Kansas

Men and women pay much different rates in this state. In this sample, Progressive rings in as the cheapest company for men, while women may want a quote from Geico.

CompanyAllstateProgressiveGeicoUSAA
Men$160.39$118.38$131.48$152.20
Women$146.99$132.00$127.18$132.90

Sample rates in Kansas from major car insurance companies

Since major brands charge well above Kansas’s average car insurance cost, shopping pays off in this state. In this sample, Progressive lays out the cheapest prices, based on cost information from Savvy.

CompanyAllstateProgressiveGeicoUSAA
Rate$152.95$124.43$129.17$142.55

Best car insurance for Kansas

In spite of low car insurance costs in Kansas, make sure you’re getting the best deal by considering all the possibilites.

We recommend starting with these top companies because of their wellrounded coverage, high discounts and perks like a userfriendly app. They also get high ratings from the Better Business Bureau, J.D. Power, Trustpilot and the National Association of Insurance Commissioners.

Best value: Geico

Geico

Finder rating 4 / 5 ★★★★★

Competitive prices and user-friendly tools come standard with Geico's car insurance policies. You'll save the most by insuring multiple vehicles, keeping a clean driving record or having safety features on your car.

You can also buy accident forgiveness or earn it after going claim free for five years — your choice. Plus, digital natives should like Geico's handy app, which lets you access your insurance card, upload car damage photos, keep up with vehicle maintenance and more. Hundreds of thousands of customers praise the app for its user friendliness.

Best for safe drivers: State Farm

State Farm

Finder rating 3.5 / 5 ★★★★★

State Farm balances the best of coverage, customer service and competitive rates for safe drivers in Kansas. As the largest US car insurance company, many drivers trust its local agents for their insurance.

You'll get rewarded for staying claim free, taking a defensive driving course or driving safely with its Drive Safe and Save program. Last but not least, J.D. Power rates State Farm highly for its customer satisfaction in the Central region, which includes Kansas.

Best local company: Auto-Owners

Auto-Owners

Finder rating 4 / 5 ★★★★★

Auto-Owners stands out for its local service, proven by high customer satisfaction according to J.D. Power. The company works solely through local agents, so expect to chat with an agent for quotes or claims.

You'll get a variety of coverage choices, including gap insurance, travel expense coverage and a collision deductible waiver. Auto-Owners is also friendly to young drivers, offering a chance to save for good grades, going away to school or monitoring driving behavior.

Best for low mileage: Nationwide SmartMiles

Nationwide

Finder rating 4 / 5 ★★★★★

If you drive less than 12,000 miles per year, try a pay-per-mile policy to save big on your car insurance bill. We recommend SmartMiles in Kansas because your policy is backed by one of the largest companies in the industry.

Enjoy peace of mind about trying a new policy because you get Nationwide's solid coverage and claims service. SmartMiles charges a monthly flat fee along with a per-mile fee, saving you the most when you drive less. The policy also uses a device plugged into your car rather than an app, so you won't drain your phone battery or data plan.

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.

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.

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.

What happens if I need an SR-22 in Kansas?

If you need an SR-22, you’ll ask your insurance company to send this form to the Kansas Division of Vehicles. An SR-22 is a form that proves you keep the minimum insurance required by Kansas. It can be required for driving uninsured, getting your license suspended or violating other driving laws multiple times.

Learn more about SR-22s in Kansas and how long you need to file this form. That way you can get back on the road as quickly as possible.

Coverage that we recommend in Kansas

Since Kansas keeps its car insurance costs low compared to other states, weigh the cost-benefit of adding these extra coverages to your policy.

Higher liability is still a good idea in a no-fault state

Although Kansas is a no-fault state, drivers can try to recover expenses that go beyond their PIP coverage, according to the legal website Nolo. Since a hospital stay costs thousands of dollars per day, medical bills easily dwindle PIP coverage.

Up those liability limits to make sure that most damage and injuries are paid for by your insurance, including legal costs if the other driver sues you. If you’re not sure how much liability to get, go over your situation with your insurance agent or financial adviser.

Most drivers need collision coverage

Any time you’re on the road, you have the chance of causing a car accident even if you’re a safe driver. Keep in mind that some accidents like rearend collisions can be deemed your fault even if you did everything to prevent it.

For these, you need collision coverage to pay for your car’s repairs. Liability coverage only pays for the other driver’s car damage — not yours. If you have room in your budget, collision coverage is worth the investment for any car worth more than a few thousand dollars.

Consider this coverage if . . .

  • You rely on your car.
  • You have an auto loan, and your lender requires it.
  • You couldn’t pay for major car repairs on your own.
  • You don’t have the funds to buy another car.

Comprehensive takes on “other-than-collision” damage

Whether or not you live in rural or metropolitan Kansas, get peace of mind about “other-than-collision” damage by buying comprehensive coverage. This coverage can help with theft, vandalism, windshield cracks, weather damage and more.

For example, if you live in Kansas’s open plains, you could face running into deer or other wildlife. Over 11,000 accidents in 2019 involved a car hitting a deer, according to the Kansas Department of Transportation. But if you live among Kansas City’s skyrises, you may see more cases of theft or vandalism depending on the area.

Consider this coverage if . . .

  • Your auto loan requires it.
  • You can’t pay for major car repairs on your own.
  • You live in an area known for theft or crime.
  • You live in a rural part of Kansas with large wildlife.
  • Your area sees harsh weather.

      Top 10 auto insurance companies in USA that serve Kansas

      We’ve pulled the top 10 companies by market share that offer coverage in Kansas, according to S&P Global. Compare top companies by three major rating agencies along with our overall Finder score.

      • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
      • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
      • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
      • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
      Provider
      BBB Rating
      JD Power Rating
      NAIC complaint ratio
      National market share %
      Finder score
      Go to site
      State Farm
      A+
      847/1000
      1.93
      16.2

      ★★★★★ 4/5

      Read review

      Geico
      A+
      832/1000
      1.42
      13.6

      ★★★★★ 4/5

      Read review

      Progressive
      A+
      830/1000
      1.05
      13.3

      ★★★★★ 4/5

      Get Quotes
      Allstate
      A+
      827/1000
      2.71
      10.4

      ★★★★★ 4/5

      Read review

      USAA
      A+
      884/1000
      1.9
      6.3

      ★★★★★ 4/5

      Get Quotes
      Farmers
      A-
      820/1000
      1.64
      4.9

      ★★★★★ 4/5

      Read review

      Liberty Mutual
      A+
      827/1000
      2.2
      4.7

      ★★★★★ 4/5

      Get Quotes
      Nationwide
      A+
      814/1000
      2.08
      2.3

      ★★★★★ 4/5

      Read review

      American Family
      A+
      815/1000
      1.35
      2.1

      ★★★★★ 4/5

      Read review

      Kemper
      A+
      784/1000
      6.42
      1.5

      ★★★★★ 3/5

      Read review

      Cheapest car insurance in Kansas

      CompanyAverage annual rateLearn more
      Farmers$232
      Allstate$588
      State Farm$593Read review
      Geico$610
      Electric$622
      USAA$656Get a quote Read review
      Metromile$692
      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 Gap insurance Homeowner discount Telematics Has an app? Available states
      Progressive
      loan/lease coverage
      Yes
      Snapshot
      Yes
      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.
      The Zebra
      Yes
      Yes
      Yes
      Yes
      All 50 states
      USAA
      No
      Yes
      SafePilot
      Yes
      All 50 states & DC
      Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
      Liberty Mutual
      Yes
      Yes
      RightTrack
      Yes
      All 50 states & DC
      Earn free accident forgiveness after five years claims-free and customize your policy anytime.
      Bankrate
      Bankrate
      Yes
      Yes
      Yes
      Yes
      All 50 states
      Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
      Quinstreet - Insure.com
      Quinstreet - Insure.com
      Yes
      Depends on provider
      Depends on provider
      Depends on provider
      All 50 states
      loading

      Compare up to 4 providers

      In Kansas, drivers pay for their own injury expenses

      Kansas is a no-fault state, which means that you pay for your own medical bills, lost income and other injury expenses after an accident, no matter who’s at fault. File a claim under your personal injury protection for these expenses. However, Kansas no-fault laws don’t apply to property damage like car repairs, according to Nolo.

      For property damage, Kansas considers whether drivers are partially at fault under its comparative fault law, Nolo states. Under this law, both drivers are assigned a share of fault. Drivers with less than 50% of fault can get paid for damage from other drivers.

      For example, if you’re 80% at fault for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re over 50% at fault, the other driver isn’t required to pay for your damages.

      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

      More guides on Finder

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