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State Farm, USAA, and American Family are among Kansas's most affordable car insurance providers.
Kansas drivers pay $153 monthly on average for full-coverage car insurance, compared to the national average of $186. What you'll actually pay depends on multiple factors, including your age, driving history, and where in Kansas that you live. Getting quotes from several insurance companies is the best way to find your actual rate.
Below, we break down the cheapest car insurance options in Kansas by coverage level, driver profile, and insurer.
Affordable full-coverage car insurance in Kansas
Full-coverage insurance in Kansas averages $153 per month, compared to $186 nationally. Among the cheapest car insurance providers in the state are State Farm, USAA, and American Family.
| Average monthly full coverage cost | |
| Kansas average | $153 |
| National average | $186 |
| State Farm | $94 |
| USAA | $103 |
| American Family | $110 |
| Root | $123 |
Affordable liability-only car insurance in Kansas
For most affordable liability car insurance providers in Kansas, CSAA (a regional AAA club), Root, and Safeco rank among the top choices.
Kansas drivers pay $84 per month on average for liability-only coverage, while the national average sits at $104.
| Average monthly liability-only cost | |
| Kansas average | $84 |
| National average | $104 |
| CSAA | $51 |
| Root | $69 |
| Safeco | $79 |
| Progressive | $85 |
Cheap car insurance in Kansas by age
Age significantly impacts insurance costs. Car insurance for teens carries the highest rates, averaging $315 per month for full coverage in Kansas because of their limited driving experience.
Rates drop as drivers enter their 20s, averaging $213 per month for full coverage. Costs continue declining for drivers in their 30s and 40s, averaging around $162 and $155 per month.
Premiums can increase again for drivers in their 60s and beyond, though. Kansas seniors pay an average of $129 per month for full coverage in their 60s and $135 in their 70s.
These age-based premium differences reflect varying risk levels, with younger drivers considered higher risk and older drivers sometimes facing higher rates because of factors like health and changing driving behavior.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $315 | $172 |
| 20s | $213 | $116 |
| 30s | $162 | $89 |
| 40s | $155 | $85 |
| 50s | $147 | $80 |
| 60s | $129 | $71 |
| 70s | $135 | $74 |
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Cheap car insurance in Kansas for high-risk drivers
Having a moving violation or accident on your record typically raises car insurance premiums. Here are the average costs in Kansas for drivers with an accident, speeding ticket, or DUI on their record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $201 | $110 |
| Speeding ticket | $184 | $101 |
| DUI | $247 | $135 |
Compare low-cost car insurance after an accident
Kansas drivers with an accident on their record can find cheap car insurance with State Farm, USAA, and American Family. The average monthly full-coverage premium for drivers with an accident is $201.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $121 | $82 |
| USAA | $134 | $91 |
| American Family | $144 | $98 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Kansas drivers with a speeding ticket can find cheap car insurance with State Farm, USAA, and American Family. Full coverage for those with a speeding ticket on their record averages $184 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $114 | $77 |
| USAA | $127 | $86 |
| American Family | $137 | $93 |
Compare low-cost car insurance after DUI conviction
Kansas drivers with a DUI can find cheap full coverage car insurance with State Farm, USAA, and American Family. Full coverage for drivers with a DUI on their record averages $247.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $146 | $98 |
| USAA | $160 | $109 |
| American Family | $172 | $117 |
Cheap car insurance in Kansas by credit score
Kansas drivers with excellent credit pay an average of $143 per month. for full coverage Drivers with poor credit face higher premiums, with rates starting at $172 per month.
The rate difference reflects how credit scores impact insurance pricing, with poor credit typically resulting in higher premiums because on the perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $143 | $78 |
| Good | $140 | $76 |
| Average | $155 | $85 |
| Poor | $172 | $94 |
FAQs
What is the minimum car insurance required in Kansas?
Kansas requires more comprehensive minimum coverage than most states due to its no-fault insurance system. Drivers must carry 25/50/25 liability coverage, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage.
Additionally, Kansas mandates personal injury protection to cover your own medical expenses regardless of fault, along with uninsured and underinsured motorist coverage at matching 25/50 limits.
Is Kansas a no-fault insurance state?
Kansas operates under a no-fault insurance system, which is relatively uncommon as only about a dozen states use this approach. This means your own insurance company pays your medical bills after an accident regardless of who caused the collision. While no-fault coverage handles medical bills, you can still file liability claims for property damage, and you may sue for serious injuries that exceed certain thresholds established by Kansas law.
Why is car insurance more expensive in Kansas's cities?
Urban areas like Wichita and Kansas City have noticeably higher insurance rates than rural Kansas due to increased accident frequency and vehicle theft risk. Wichita doesn't just experiences higher traffic density. It also sees frequent severe weather including tornadoes and hailstorms that damage vehicles.
Kansas City's rates reflect its position as a major metropolitan area with congestion-related accidents and higher cost of living that insurers factor into premiums. Rural Kansas drivers typically enjoy rates that are much lower than their urban counterparts due to reduced risk of collision and lower vehicle theft rates.
Bottom line
These may be the cheapest companies in Kansas, but that doesn't guarantee they're the cheapest for your individual car insurance needs. Getting quotes from multiple insurance providers and comparing them based on price and service is the best way to find the right company for you.
Check out our list of the best car insurance companies for more options.
Data throughout provided by Insurify.
Average rate:
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