The best, cheapest car insurance in Kansas for 2025

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Best car insurance company in Kansas

In Kansas, the average premium for car insurance is $1,900 a year or $158 a month, which is the 25^th highest in the country – Louisiana was number one.

For drivers looking for cheap car insurance in Kansas, Nationwide, Travelers, GEICO, Progressive and others on our list are great options, offering plenty of coverage options at affordable rates.

Our research found Shelter Insurance offers low rates when compared to its competitors and received high marks when we look at other factors including J.D Power customer satisfaction scores, financial strength rankings and complaint data. Shelter Insurance was our top scorer and was awarded 4.28 out of 5 stars.

Nationwide finished second in our rankings with a score of 4.11 stars and Travelers was third at 4.01 stars.

The best car insurance companies in Kansas

Company Group	NAIC	J.D. Power	AM Best Rating	Score (out of 5)
Shelter Insurance	0.43	677	A	4.28
Nationwide	0.63	628	A	4.11
Travelers	0.52	613	A++	4.01
GEICO	0.69	622	A++	3.98
State Farm	0.79	647	A++	3.98
Progressive	0.71	638	A+	3.87
Farmers	0.86	622	A	3.46
Allstate	1.1	629	A+	2.85
USAA*	1.18	759	A++	4.50

*USAA is only available to military community members and their families.

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights, to arrive at an overall star rating.

Premiums: 25%
JD Power: 30%
AM Best: 25%
NAIC: 20%

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Cheapest car insurance in Kansas

Nationwide is the cheapest option for car insurance in Kansas.

Insurers consider a wide variety of factors when setting a premium including your driving record, credit score, age and marital status as well the vehicle. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Florida, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

Insurance companies crunch all this data with proprietary algorithms, which can result in dramatic differences in premium quotes.

The numbers highlight these differences. Allstate is the most expensive insurer in Kansas with an average premium of $2,968 a year.

On the other hand, as mentioned above, the average premium for Nationwide policyholders in Kansas is $1,316 a year. Travelers had the second cheapest coverage in Kansas at $1,601 and GEICO rounded out the top three cheapest at $1,622.

Below is a list of the cheapest full-coverage car insurance rates in Kansas for a 40-year-old driver of a 2023 Honda Accord LX.

Cheapest full-coverage insurance in Kansas

Company	Average annual premium	Average monthly premium
Nationwide	$1,316	$110
Travelers	$1,601	$133
GEICO	$1,622	$135
Progressive	$1,937	$161
State Farm	$1,976	$165
Farmers	$1,992	$166
Shelter Insurance	$2,230	$186
Allstate	$2,968	$247

Compare cheap car insurance rates in Kansas by city

Wichita

Full coverage car insurance in Kansas

As noted, the rates above are for full coverage car insurance. Full coverage car insurance adds collision and comprehensive to your liability insurance coverage, so your vehicle is repaired or replaced after an incident.

Full coverage insurance includes collision and comprehensive which will pay to repair your vehicle. Collision covers damage caused by a collision with another vehicle or object while comprehensive repairs damage done by perils such as fire, theft, flooding, vandalism, and more.

Learn more about liability, collision and comprehensive coverage.

Shopping for car insurance in Kansas

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – he will recommend higher coverage.

“Depending on their age/income and profession,” he says, “I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Kansas by age

Insurance companies consider your age when setting a premium and teens and young adults pay more for coverage as statistics show that young drivers, because they are inexperienced, have more accidents and claims.

Regardless of your age, in Kansas, Nationwide is the most affordable coverage with an average rate of $1,316 a year.

As teens transition into young adults and get more experience under their belt rates start to drop. By their mid to late-20s – assuming they keep their record clean – driver rates should stabilize and then stay stable until the driver moves into their 70s when rates will start climbing again.

Cheapest car insurance for senior drivers in Kansas

According to our data, senior drivers pay roughly 31% more than middle-aged drivers.

Seniors tend to pay slightly higher car insurance rates than younger drivers. In Kansas, the cheapest insurance company for senior drivers is Nationwide at $1,102 a year or $92 a month. Travelers grabbed the second-place spot with premiums running $1,401 annually or $117 a month, State Farm was third at $1,777.

Seniors pay higher rates thanks to age-related issues. They often suffer from vision and hearing issues as well as slowing reflexes and medical issues. This all leads to more accidents and claims, which pushes up the cost to insure seniors.

The chart below shows the average premium for senior drivers.

Average rates for seniors in Kansas

Company	Average annual premium	Average monthly premium
Nationwide	$1,102	$92
Travelers	$1,401	$117
State Farm	$1,777	$148
Progressive	$1,795	$150
Shelter Insurance	$1,796	$150
GEICO	$1,861	$155
Farmers	$1,876	$156
Allstate	$2,963	$247

Car insurance for young drivers in Kansas

While rates start to drop for teen drivers as they become young adults, they still pay slightly higher rates than more experienced drivers. According to our data, Nationwide is the cheapest insurer for drivers in their early 20s with an average premium of $2,054 a year or $171 per month.

Travelers was the second cheapest insurer at $2,350 and Farmers will insure a young driver in Kansas for $2,613 a year.

Rates will continue to drop (assuming a clean driving record) as drivers hit their late 20s and move into their 30s.

The chart below shows the average premiums for young drivers.

Average rates for young drivers in Kansas

Company	Average annual premium	Average monthly premium
Nationwide	$3,923	$327
Travelers	$4,190	$349
GEICO	$5,074	$423
State Farm	$5,112	$426
Shelter Insurance	$6,381	$532
Farmers	$6,741	$562
Progressive	$7,610	$634
Allstate	$9,900	$825

Car insurance for teen drivers in Kansas

Insuring a teen is always expensive; statistics show that inexperienced teen drivers get into more accidents and file more claims than more experienced drivers. In Kansas, the best insurer for teen drivers is Nationwide with an annual premium of $3,923 or $327 a month. Travelers was second most affordable at $4,190 a year or $349 monthly while GEICO was number three at $5,074.

While teens are expensive to insure, there are a few ways to save some money. Most insurers offer a good student discount so if your teen is carrying a B average or above you should ask for a discount. Putting them in an older vehicle will also lower your insurance costs.

The chart below shows average premiums for teens.

Average rates for teens in Kansas

Company	Average annual premium	Average monthly premium
Nationwide	$3,923	$327
Travelers	$4,190	$349
GEICO	$5,074	$423
State Farm	$5,112	$426
Shelter Insurance	$6,381	$532
Farmers	$6,741	$562
Progressive	$7,610	$634
Allstate	$9,900	$825

Average cost of car insurance in Kansas

The average cost of car insurance in Kansas is $1,900, which makes it the 25^th most expensive state in the country behind Louisiana and Florida.

Metropolitan areas – and all states have them – equals lots of drivers, which often leads to car crashes and claims.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Kansas,” says Gao.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Average rates for a 40-year-old in Idaho

Average annual premium	Average monthly premium
$1,900	$158

Which Kansas ZIP codes are most expensive for car insurance?

Car insurance costs in Kansas can vary significantly based on your location, as insurers consider the ZIP code where your vehicle is primarily parked when determining your premium.

Our data shows that the Almena area came out as the most expensive with an average annual premium of $2,203. Norton was No. 2 and Sharon Springs was No. 3.

Here are the most expensive ZIP codes in Kansas for car insurance:

Most expensive ZIP codes in Kansas

City	Average annual Premium
Almena	$2,203
Norton	$2,179
Sharon Springs	$2,153
Atwood	$2,149
St. Francis	$2,148
Bird City	$2,148
Hill City	$2,142
Lenora	$2,136
Herndon	$2,136
Selden	$2,136

Which Kansas ZIP codes are the cheapest for car insurance?

When it comes to cheap car insurance in Kansas, these ZIP codes have the most affordable coverage. The area around Salina has the lowest premiums in Kansas with an average premium of $1,645.

Least expensive ZIP codes in Kansas

City	Average annual Premium
Salina	$1,645
Gardner	$1,674
Lawrence	$1,685
New Century	$1,690
Edgerton	$1,692
Manhattan	$1,694
Spring Hill	$1,698
Eudora	$1,704
Olathe	$1,706
De Soto	$1,711

Cheapest car insurance for high-risk drivers in Kansas

If you have an incident on your driving record, you may be considered a high-risk driver, and you will pay more for coverage. A speeding ticket, at-fault accident, or DUI can send your premium skyrocketing.

When we ran the numbers, we found that a speeding ticket in Kansas will push the average rate to $1,959 and an at-fault accident will push it to $2,206.

An accident will stay on your record for at least three years so you will be paying a higher premium for quite a while after an accident.

A DUI will usually result in a massive increase and could push your premium into unaffordable territory. If you are convicted of a DUI, your rate on average will climb to $3,202 a year. A DUI will be reported to insurers for three years, and if you are a commercial driver, it stays on your record for 55 years.

The table below shows the average increase for drivers with various incidents on their record:

How much rates increase in Kansas after a traffic incident

Profile Groups	Average annual premium	Rates after Incident	Rates increase after incident ($)	Rates increase after incident (%)
At-Fault Accident	$1,493	$2,206	$713	48%
Bad Credit	$1,493	$2,549	$1,056	71%
DUI	$1,493	$3,202	$1,709	114%
Speeding	$1,493	$1,959	$466	31%

Minimum car insurance requirements in Kansas

Most states require drivers to carry a minimum amount of liability car insurance, and Kansas is no exception. Drivers are required to carry 25/50/25 in liability coverage, which translates into:

$25k for injury/death per person
$50k for injury/death per accident
$25k for damage to property

But state-required minimums are rarely enough coverage in a serious accident. If you cause an accident and the damages exceed your coverage levels, you will need to cover the damages out of pocket.

The most common required coverages are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $25,000 property damage.

Experts typically recommend carrying 100/300/100 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

Mark Vallet

Contributing Researcher

Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.