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Car insurance in Kansas

Cheap car insurance in Kansas

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Kansas city night time

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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.

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.

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

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • 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
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

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%

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
Farmers$232
Allstate$588
State Farm$593
Geico$610
Electric$622
USAA$656
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

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.

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