Cheapest Car Insurance in Kansas: A Comprehensive Guide for 2025
Looking for affordable car insurance in Kansas? Discover the cheapest options for full and minimum coverage, plus tips to lower your premiums. Find the best rates for young drivers, seniors, and those with poor credit.
Everyone can benefit from affordable car insurance in Kansas. Here are the cheapest options for full and minimum coverage, plus tips to lower your premiums. Find the best rates for young drivers, seniors, and those with poor credit in this guide.
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Explore and compare rates from over 50 top insurance companies, including Geico, Progressive, Travelers, and USAA, to find the best car insurance deals.
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It can be challenging to find cheap auto insurance in Kansas because of the different factors that affect premiums. From driving records to location, the cost of car insurance varies.
In this article, we’ll help you find the cheapest car insurance in Kansas, covering a range of profiles and needs. We’ll also provide detailed tables and data to help you make an informed decision.
Cheapest Car Insurance Companies in Kansas
Several insurers offer competitive rates in Kansas, each catering to different driver profiles and needs.
1. USAA
USAA is a top choice, especially for military members and their families. Although it’s not available to the general public, USAA offers the lowest average rates in Kansas, with full coverage costing $1,379 annually.
2. Geico
Geico is another top choice that always ranks as one of the cheapest car insurance providers in Kansas. They offer an average annual premium of $1,717 for full coverage and $330 per year for minimum coverage, which is ideal for drivers who are not military members.
3. Travelers
Travelers offers competitive rates, particularly for drivers with an at-fault accident on their record. Their average annual cost for full coverage is $1,725, making it a strong option for high-risk drivers.
4. Progressive
Progressive also offers affordable full coverage insurance at $2,203 annually or $184 per month. It’s particularly affordable for senior drivers.
Here’s a table for the average annual car insurance rates in Kansas for different providers:
| Insurance Company | Average Annual Premiums | Average Monthly Premiums |
|---|---|---|
| USAA | $1,103 | $92 |
| Geico | $1,365 | $114 |
| Travelers | $1,497 | $125 |
| Progressive | $1,695 | $141 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Save on Car Insurance Kansas
Explore and compare rates from over 50 top insurance companies, including Geico, Progressive, Travelers, and USAA, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
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- Quotes from trusted insurance providers
Cheap Car Insurance, Kansas: By Driver’s Age
A driver's profile often affects their car insurance costs. For example, good drivers with no accidents will pay less than those with records of speeding violations and at-fault accidents. Consider the following profiles:
1. Teen Drivers (17-Year-Olds)
Teen drivers often pay higher rates than other age groups due to their limited driving experience. Insurers see them as a higher risk, but some companies offer cheap auto insurance, Kansas. They include:
- USAA has the lowest average costs for teenagers at $3,364 for females and $3,544 for males.
- Travelers offers the lowest average rates for teenagers who do not qualify for USAA. Their rates are $3,658 and $4,254 per year for female and male teen drivers, respectively.
| Company | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|
| USAA | $3,364 | $3,544 |
| Travelers | $3,658 | $4,254 |
| Geico | $3,909 | $5,447 |
| Auto-Owners | $4,945 | $6,723 |
| Shelter | $5,189 | $7,003 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
2. Young Adult Drivers (25 Years Old)
Young adults in Kansas face lower insurance rates compared to teens because they have more experience. Therefore, many insurers offer competitive, affordable coverage.
- USAA is the cheapest for this age group, with rates starting at $1,314 for female drivers and $1,378 for male drivers.
- Geico offers the second-cheapest full coverage for 25-year-olds at $1,523 for female drivers and $1,495 for males. Geico is therefore the most affordable option for non-military drivers.
| Company | 25-Year-Old Female | 25-Year-Old Male |
|---|---|---|
| USAA | $1,314 | $1,378 |
| Travelers | $1,684 | $1,769 |
| Geico | $1,523 | $1,495 |
| Auto-Owners | $2,571 | $2,655 |
| Shelter | $2,871 | $2,882 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
3. Adult Drivers (40 Years Old)
Adult drivers can also find cheap car insurance in Kansas, as they have more driving experience and are less likely to get into accidents. USAA has the lowest average rates for married 40-year-olds. Those who don’t qualify for its policies may find the most affordable rates with Geico. Their average annual rates are $1,272 for female adult drivers and $1,359 for adult males.
| Company | 40-Year-Old Female | 40-Year-Old Male |
|---|---|---|
| USAA | $1,010 | $1,022 |
| Travelers | $1,447 | $1,520 |
| Geico | $1,272 | $1,359 |
| Auto-Owners | $1,948 | $1,948 |
| Shelter | $1,976 | $2,038 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
4. Senior Drivers (60+ Years Old)
Senior drivers in Kansas can often find affordable rates with USAA and Travelers. USAA offers the lowest rates, with an average annual premium of $946. Travelers is the next most affordable and thus the best option for the non-military community.
| Company | 60-Year-Old Female | 60-Year-Old Male |
|---|---|---|
| USAA | $939 | $953 |
| Travelers | $1,240 | $1,323 |
| Geico | $1,272 | $1,272 |
| Auto-Owners | $1,727 | $1,727 |
| Shelter | $1,598 | $1,683 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Cheapest Car Insurance, Kansas: By Driver Profile
Drivers with Bad Credit
Drivers with poor credit face higher insurance premiums. However, Geico offers the most affordable rates in Kansas for this demographic, with an average annual cost of $1,952.
| Insurance Company | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| Geico | $1,952 | $163 |
| USAA | $2,073 | $173 |
| Travelers | $2,453 | $204 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Drivers with Good Credit
Drivers with good credit will often get lower insurance rates. Therefore, insurers tend to offer this age group competitive prices, with the cheapest being USAA and Geico.
| Insurance Company | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| USAA | $1,103 | $92 |
| Geico | $1,365 | $114 |
| Travelers | $1,497 | $125 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Drivers with a DUI
A DUI conviction can lead to increased car insurance premiums. However, Progressive offers the lowest rates for drivers with a DUI in Kansas, with an average annual premium of $1,836.
| Insurance Company | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| Progressive | $1,836 | $153 |
| Travelers | $2,207 | $184 |
| State Farm | $2,466 | $206 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Drivers with a Speeding Ticket
Drivers in the military community will find the cheapest car insurance in Kansas with USAA, at $1,350 after a speeding violation. The second most affordable option is Geico.
| Insurance Company | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| USAA | $1,350 | $113 |
| Geico | $1,706 | $142 |
| Travelers | $1,981 | $165 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Cheapest Minimum Coverage Car Insurance in Kansas
For drivers seeking only the state-mandated minimum coverage, USAA and Geico offer the lowest rates at $259 and $330 per year, respectively.
| Insurance Company | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| USAA | $259 | $22 |
| Geico | $330 | $28 |
| Travelers | $441 | $37 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Cheapest Auto Insurance, Kansas: By City
The cost of car insurance in Kansas can vary depending on the location. The following are the five most expensive major cities in the state:
| City | Average Annual Full Coverage Premium |
|---|---|
| Dodge City | $2,889 |
| Kansas City | $2,812 |
| Wichita | $2,634 |
| Topeka | $2,422 |
| Overland Park | $2,317 |
Source: Best Car Insurance in Kansas for 2025 (Bankrate)
Understanding Car Insurance Prices in Kansas
Kansas drivers pay slightly less than the national average for car insurance. The average cost for full coverage in the state is about $2,508 per year, while minimum liability coverage costs approximately $572 annually. However, these numbers can vary widely based on individual circumstances such as age, driving history, and credit score.
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Full Coverage | $2,508 | $209 |
| Minimum Coverage | $572 | $48 |
Source: Cheapest Car Insurance in Kansas for 2025 (US News)
Factors Influencing Kansas Auto Insurance Rates
There are multiple factors that affect car insurance rates in Kansas, including:
- Driving Behavior: A clean driving record usually results in lower premiums, while violations, such as speeding tickets and DUIs, can increase insurance rates.
- Age: Younger drivers, particularly those under 25, typically face higher insurance costs due to their inexperience and likelihood of being in car accidents.
- Credit Score: Insurers often use credit scores to evaluate the risk of insuring a driver. In these cases, lower scores result in higher premiums.
- Location: Urban areas, such as Wichita and Kansas City, tend to have higher rates due to higher accident and theft rates.
How Much Auto Insurance Do I Need in Kansas?
As per Kansas law, drivers must follow the 25/50/25 liability insurance model. The minimum coverage requirements are:
- $25,000 for bodily injury coverage per person
- $50,000 for total bodily injury for a single accident if there’s more than one person injured
- $25,000 for property damage coverage
In addition, the state requires Personal Injury Protection (PIP) coverage in the minimum limits of:
- $25 per day for in-home care
- $900 per month, up to a year, for disability insurance to cover lost income
- $900 per month and $25 per day, up to one year for both, in survival benefits to cover lost wages and in-home services, respectively
- $2,000 for post-mortem bills, such as burial and funeral expenses
- $4,500 for medical expenses
- $4,500 for rehabilitation expenses
Kansas is also one of the states that requires uninsured/underinsured motorist coverage as follows:
- $25,000 for bodily injury liability coverage per person
- $50,000 for total bodily injury for a single accident if more than one person sustains injury
Risks of Minimum Coverage
While the above is what you only legally require in Kansas, most drivers get more than the minimum coverage limits for added protection.
For example, if you’re the at-fault driver in an accident, and the other driver's total bodily injury damage, which can include medical costs, lost wages, and pain and suffering, exceeds the $25,000 limit. In that case, you’ll have to pay for the rest out of pocket.
Note that injuries requiring major internal surgery and multi-day hospital stays can easily surpass the $25,000 limit. For this reason, industry professionals recommend purchasing 100/300/100 liability coverage.
Optional Kansas Car Insurance
In addition to going above the state's minimum car insurance requirements, drivers can get additional coverage in Kansas, such as:
1. New Car Replacement
New car replacement can help you get a new vehicle in the event of theft. But the new one must be of the same make and model as your insured one.
2. Comprehensive Coverage
This coverage pays for your vehicle if it’s damaged during non-collision incidents. For example, if your car is stolen or damaged in a hailstorm, your comprehensive coverage will help pay for the repairs.
3. Roadside Assistance
The benefit of roadside assistance is that it pays for on-site emergency services. For instance, if you need towing in the middle of the road, this coverage can cover the cost. However, note that the exact services available with roadside assistance vary depending on the insurer.
4. Collision Coverage
Collision coverage helps pay for your vehicle if it gets damaged in a collision with another car or an object such as a fence. This type of coverage is a requirement if you have a lease or loan on your vehicle.
How to Lower Your Car Insurance Costs in Kansas
Auto owners in Kansas can reduce their insurance costs by following these tips:
- Shop Around: Always compare quotes from multiple insurers.
- Maintain a Clean Driving Record: Avoid traffic violations and accidents to keep your premiums low.
- Consider Available Discounts: Many insurers offer discounts for safe driving, bundling policies, and installing safety features in your vehicle. Check what you qualify for to get the best deal.
- Increase Your Deductible: Choosing a higher deductible can lower your monthly premiums. However, it will increase your out-of-pocket expenses in the event of a claim. Therefore, assess your financial health before using this strategy.
- Learn more about Insurance in Kansas: It's helpful to understand state laws and have a means to file a complaint if needed. Use The Kansas Department of Insurance's educational resources to get this information.
Frequently Asked Questions
What Is the Average Cost of Full Coverage Car Insurance in Kansas?
The average annual cost of full coverage auto insurance in Kansas is approximately $2,508, but this can vary depending on factors such as age and credit score.
Which Insurance Company Offers the Cheapest Minimum Coverage in Kansas?
USAA offers the cheapest minimum coverage in Kansas with an average annual premium of $259. However, since they’re only available to military communities, Geico is a more inclusive insurer with an average annual premium of $330.
How Can I Lower My Car Insurance Premium in Kansas?
You can lower your premium by shopping around for quotes, maintaining a good driving record, taking advantage of discounts, and increasing your deductible.
What Factors Affect Car Insurance Rates in Kansas?
Key factors include your driving history, age, credit score, location, and the type of coverage you choose.
Who Offers the Cheapest Car Insurance for Drivers With Poor Credit in Kansas?
Geico offers the most affordable rates for drivers with poor credit, with an average annual premium of $1,952.
Is Kansas a No-Fault State?
Yes, Kansas is a no-fault state. State laws require your insurance company to pay your medical bills through your personal injury protection (PIP) coverage, regardless of fault in a crash.
What Happens if I Drive Without Auto Insurance in Kansas?
Kansas state law prohibits drivers from operating vehicles without insurance. Therefore, you could face fines and even jail time if you're caught driving without the minimum required coverage. If this happens, your insurer will view you as a riskier customer, and your premiums may increase.
Save on Car Insurance In Kansas
Explore and compare rates from over 50 top insurance companies, including Geico, Progressive, Travelers, and USAA, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
- No spam or unwanted calls
- Quotes from trusted insurance providers
