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Compare car insurance in Kansas

Get the cheapest car insurance in Kansas for 2020

Kansas city night time

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.

Kansas

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,250

Average annual car insurance cost

30

Days to update your license

No-fault state

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

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Auto insurance providers for drivers in Kansas

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
State Farm $374,633 19.2%
American Family $241,193 12.4%
Progressive $225,248 11.5%
Farm Bureau $145,316 7.5%
Farmers $116,335 6.0%
Allstate $113,021 5.8%
Geico $112,168 5.8%
USAA $109,177 5.6%
Nationwide $82,379 4.2%
Travelers $68,404 3.5%

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 many factors, drivers may still find themselves paying too much for auto coverage.

Cheapest car insurance in Kansas

Company Average annual rate Learn more
Farmers $232 Read review
Allstate $588 Get a quote
State Farm $593 Read review
Geico $610 Read review
Electric $622
USAA $656 Get a quote Read review
Metromile $692 Get a quote Read review
Farm Bureau $707
SafeAuto $830 Get a quote
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

Company Annual car insurance rate
Allstate $1759
American Family $1095
Farmers $748
SafeAuto $2263
Geico $2067

Car insurance quotes in Salina

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

Car insurance quotes in Wichita

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

Car insurance quotes in Garden City

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

Car insurance quotes in Topeka

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

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

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Frequently asked questions about car insurance in Kansas

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