Key Takeaways
- State Farm is our pick for the best cheap car insurance option in Kansas.
- Progressive, Farm Bureau and American Family provide affordable competitive rates for most drivers, too.
- Progressive offers the cheapest rates for married drivers, senior drivers and drivers with poor credit.
- Farm Bureau has the cheapest quotes for teen drivers.
- ZIP code 66502 has the cheapest average rates in the state. The most expensive average rates are found in 66104.
- The condition of roads and bridges in Kansas costs drivers $509 per year.
In this article
The best cheap car insurance companies in Kansas
State Farm, Progressive and Farm Bureau offer the most competitive rates for most drivers in the state of Kansas, according to QuoteWizard data. USAA also offers some of the cheapest car insurance rates to drivers in Kansas, if you qualify for coverage. All four companies offer auto insurance rates that are well below the state averages.
- Overall: State Farm
- Cheapest with an accident: State Farm
- Cheapest with a DUI: State Farm
- Cheapest with a speeding ticket: State Farm
- Cheapest for drivers with poor credit: Progressive
Cheapest full-coverage car insurance rates in Kansas: State Farm
A recent study by QuoteWizard found that State Farm offers the lowest rates for full-coverage car insurance in the state of Kansas. Its average quote came in 30% lower than the state average price of $125 per month.
American Family, Progressive and Farm Bureau also provided competitively priced quotes below the state average.
If you are looking for cheap car insurance in Kansas, State Farm is a good place to start. However, it is important to get quotes from multiple companies to find the best deal for your needs.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $66 | |
| State Farm | $87 | |
| American Family | $94 | |
| Progressive | $118 | |
| Farm Bureau | $120 | |
| Average | $125 | |
| Farmers | $166 | |
| Allstate | $223 | |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *USAA provides the cheapest rate if you qualify for membership. |
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Cheapest minimum-coverage auto insurance rates in Kansas: State Farm
State Farm is the cheapest company for drivers who want minimum-coverage auto insurance. On average, the company provides quotes 34% lower than the state average of $50 per month. Progressive is the second-cheapest option at $35 per month.
The national average for minimum-coverage car insurance is $81 per month, making Kansas much cheaper than most states.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $24 | |
| State Farm | $33 | |
| Progressive | $35 | |
| American Family | $41 | |
| Farm Bureau | $41 | |
| Average | $50 | |
| Farmers | $72 | |
| Allstate | $104 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *USAA provides the cheapest rate if you qualify for membership. |
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Cheapest car insurance in Kansas for drivers with bad credit: Progressive
A recent study by QuoteWizard found that Progressive is the cheapest car insurance option for drivers with poor credit in Kansas. The study looked at quotes from over two million drivers in Kansas, and the results showed that Progressive offered the lowest rates for drivers with poor credit.
American Family and Farm Bureau also came in under the state average, providing adequate coverage for drivers with less than stellar credit.
On average, drivers with poor credit pay 78% more every month than drivers with good credit. This shows the importance of shopping around for the best prices, as every situation is unique.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $42 | |
| Progressive | $56 | |
| American Family | $79 | |
| Farm Bureau | $81 | |
| Average | $89 | |
| State Farm | $95 | |
| Farmers | $111 | |
| Allstate | $155 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest car insurance for drivers in Kansas with a prior incident
Cheapest for drivers with a speeding ticket: State Farm
After receiving a speeding ticket, you should expect to see rates increase an average of 18% per month in the state of Kansas. According to our data, State Farm has the cheapest rates for individuals with a speeding ticket on their record.
American Family, Progressive and Farm Bureau also provided quotes cheaper than the state average of $59.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $30 | |
| State Farm | $36 | |
| American Family | $41 | |
| Progressive | $45 | |
| Farm Bureau | $54 | |
| Average | $59 | |
| Farmers | $92 | |
| Allstate | $116 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest for drivers with an at-fault accident: State Farm
State Farm is the cheapest car insurance company for drivers with an at-fault accident on their record in Kansas.
In a state where the average cost of car insurance with an accident on your record is $76 per month, State Farm offers rates that average $39 per month for drivers with an at-fault accident. That's a savings of 48%.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $36 | |
| State Farm | $39 | |
| American Family | $58 | |
| Progressive | $59 | |
| Farm Bureau | $66 | |
| Average | $76 | |
| Farmers | $111 | |
| Allstate | $162 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest auto insurance for drivers with a DUI: State Farm
State Farm is the most affordable car insurance option for drivers with a DUI in Kansas.
A DUI can have a substantial impact on your car insurance rates. In Kansas, the price increased 46% above the average cost of car insurance.
Choosing State Farm can get you rates as low as $36 per month. That's a savings of 56% from the state average.
Progressive and American Family also offer competitive rates for drivers with a DUI in Kansas. Progressive's rates average $39 per month, and American Family's average $41 per month.
| Company | Average monthly cost | |
|---|---|---|
| State Farm | $36 | |
| Progressive | $39 | |
| American Family | $41 | |
| USAA* | $59 | |
| Average | $73 | |
| Farmers | $99 | |
| Farm Bureau | $101 | |
| Allstate | $139 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with one DUI on his driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest auto insurance for senior drivers in Kansas: Progressive and State Farm
Senior drivers in Kansas pay an average of $51 per month for car insurance, which is 36% lower than the national average of $80.
Progressive and State Farm are the cheapest car insurance companies for senior drivers in Kansas, with rates that average $32 per month.
Farm Bureau and American Family also offer competitive rates for senior drivers in Kansas, charging $35 and $38 per month, on average, respectively.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $24 | |
| Progressive | $32 | |
| State Farm | $32 | |
| Farm Bureau | $35 | |
| American Family | $38 | |
| Average | $51 | |
| Farmers | $81 | |
| Allstate | $117 | |
| Rates are for minimum-coverage car insurance for a 65-year-old male with a clean driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest car insurance for teen drivers in Kansas: Farm Bureau
Teen drivers pay some of the highest costs for car insurance due to their lack of experience and a higher percentage of incident rates.
According to our study, Farm Bureau offers the cheapest rate for teen drivers in Kansas at $107 per month, on average.
State Farm and American Family are a close second, charging average rates of $113 and $115 per month, respectively.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $77 | |
| Farm Bureau | $107 | |
| State Farm | $113 | |
| American Family | $115 | |
| Average | $176 | |
| Progressive | $192 | |
| Farmers | $240 | |
| Allstate | $389 | |
| Rates are for minimum-coverage car insurance for an 18-year-old male with a clean driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest auto insurance for married drivers in Kansas: Progressive
Progressive offers the cheapest insurance for married drivers in the state of Kansas, with rates averaging $30 per month. This is 40% lower than the average cost for married drivers in Kansas.
State Farm, Farm Bureau and American Family also offer rates below the state average.
| Company | Average monthly cost | |
|---|---|---|
| USAA* | $21 | |
| Progressive | $30 | |
| State Farm | $33 | |
| Farm Bureau | $40 | |
| American Family | $41 | |
| Average | $50 | |
| Farmers | $74 | |
| Allstate | $110 | |
| Rates are for minimum-coverage car insurance for a married 35-year-old male with a good driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest car insurance in Kansas based on gender: State Farm
According to our data, State Farm offers the most economical minimum-coverage car insurance for males and females in Kansas.
The average cost for females aged 35 is slightly higher than males, at $54 per month compared to $50 per month.
| Company | Male | Female |
|---|---|---|
| USAA* | $24 | $26 |
| State Farm | $33 | $33 |
| Progressive | $35 | $43 |
| American Family | $41 | $41 |
| Farm Bureau | $41 | $44 |
| Average | $50 | $54 |
| Farmers | $72 | $79 |
| Allstate | $104 | $113 |
| Rates are for minimum-coverage car insurance for 35-year-old males and females with a good driving record. *USAA provides a cheaper rate if you qualify for membership. |
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Cheapest and most expensive car insurance in Kansas by ZIP code
Our analysis of car insurance rates in Kansas found that the most expensive ZIP code for car insurance is 66104, with an average annual cost of $730.
In contrast, the cheapest ZIP code for car insurance is 66502, with an average annual cost of $485.
The difference in cost between these two ZIP codes is likely due to several factors, including the number of accidents and claims in the area, the demographics of the population and the competition among insurance companies.
| ZIP code | Average price minimum | |
|---|---|---|
| 66502 | $485 | |
| 66503 | $486 | |
| 67401 | $486 | |
| 66506 | $490 | |
| 66615 | $516 | |
| 66618 | $525 | |
| 66610 | $531 | |
| 66606 | $533 | |
| 66614 | $535 | |
| 66617 | $535 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | ||
| ZIP code | Average price minimum | |
|---|---|---|
| 66104 | $730 | |
| 66102 | $722 | |
| 66105 | $720 | |
| 66101 | $709 | |
| 66112 | $708 | |
| 66115 | $708 | |
| 66160 | $704 | |
| 66118 | $697 | |
| 66106 | $695 | |
| 66103 | $691 | |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | ||
What are the car insurance requirements in Kansas?
Kansas requires all car insurance policies sold in the state to include a minimum of 25/50/25 coverage. This means they must have at least:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage
Vehicle owners and drivers in Kansas need at least the following amounts of uninsured and underinsured motorist coverage, too:
- $25,000 of uninsured/underinsured motorist coverage per person
- $50,000 of uninsured/underinsured motorist coverage per accident
A no-fault state, Kansas also requires its drivers to carry a certain amount of personal injury protection (PIP) coverage. The minimums in this case are:
- $4,500 per person for medical expenses
- $4,500 for rehabilitation expenses
- $2,000 for funeral, burial or cremation expenses
- $900 per month (for up to one year) for disability or loss of income
- $25 per day for in-home services
SR-22 insurance in Kansas
An SR-22 certificate is a form that is filed with the state of Kansas Department of Motor Vehicles (DMV) to show that you have met the minimum liability insurance requirements for the state. It is also sometimes called a certificate of financial responsibility.
An SR-22 is typically required for drivers who have been convicted of driving under the influence (DUI), who have had their license suspended or revoked or who have been involved in a serious car accident. It may also be required for drivers who are new to the U.S. or who have recently moved to a new state.
To get an SR-22, you will need to purchase a car insurance policy that meets the minimum liability requirements for the state. Once you have purchased a policy, your insurance company will file the SR-22 form with your DMV. You will then be required to keep the SR-22 form on file with your insurance company.
You may need to file an SR-22 in Kansas for 12 months if the state:
- Catches you driving without insurance or enough insurance
- Suspends your license because you failed to show proof of insurance
- Declares you a “habitual violator” after convicting you of three or more serious traffic offenses within five years
Kansas driver report
A recent study by QuoteWizard found that Kansas drivers are a study in contrasts. On the one hand, the state ranks eighth in the nation for best road conditions. On the other hand, Kansas drivers also rank fourth worst in the nation for distracted driving and 22nd worst for DUIs, speeding tickets, accidents and citations.
The study looked at data from over two million drivers in all 50 states. The results showed that Kansas drivers are more likely than drivers in most other states to be distracted by their phones while driving. They are also more likely to be involved in accidents and to receive tickets for speeding and other traffic violations.
Best and worst drivers in Kansas
As part of our study we found that Kansas ranks fourth in the nation for distracted driving. The study looked at data from the National Highway Traffic Safety Administration (NHTSA) and found that Kansas had 1,898 fatal crashes from 2017 to 2021, with 22% of those involving a distracted driver.
Best Drivers by City
- Independence
- Haysville
- Coffeyville
- Parsons
- Augusta
- Fort Scott
- Kansas City
- Lansing
- Winfield
- Leawood
Worst Drivers by City
- Chanute
- Andover
- Atchison
- Ottawa
- Manhattan
- Mission
- Salina
- Prairie Village
- Leavenworth
- Basehor
Rating Kansas's road infrastructure and how it impacts drivers
Kansas roads have some of the best conditions in the U.S., according to our data. The study found that only 11% of Kansas roads are in non-acceptable condition, and just 3% of bridge deck surfaces are in poor condition. This puts Kansas in eighth place among all 50 states for road conditions.
The study also found that the condition of Kansas roads costs drivers an average of $509 per year. This is slightly lower than the national average of $559 per year.
Best and worst drivers by age group
Kansas is no different in the fact that the 20 and under group had the highest incident rates at 7.9% more than double that of any other group. Incident rates drop from 7.9% to 1.4% from 20 to 79 and then slightly increase in the 80-and-over bracket to 1.65%.
Kansas car insurance FAQs
The average cost of car insurance in the state of Kansas is $1,500 a year for full coverage. This is 23% lower than the national average for full coverage, which is $1,949. This makes Kansas relatively more affordable than most states in the U.S.
Yes, Kansas is a no-fault state for car insurance. This means that your own car insurance company will pay for your medical bills and lost wages after a car accident, regardless of who was at fault. However, there are a few exceptions to this rule. For example, if you are injured by a drunk driver or an uninsured driver, you may be able to sue the other driver for your damages.
Kansas is one of 12 states that have a no-fault car insurance system. No-fault states are designed to simplify the claims process and reduce the number of lawsuits after car accidents.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across the state of Kansas. Unless otherwise noted, our sample driver is a single 35-year-old. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Driver report: QuoteWizard analyzed over 100,000 car insurance quotes to determine Kansas’s best- and worst-driving cities. Drivers were evaluated based on the number of accidents, citations, speeding tickets and DUIs in each city. QuoteWizard evaluated Federal Highway Administration data on road and bridge quality to determine the number of roads and bridges in “poor” or “unacceptable” condition.
Auto insurance by city
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