Low-cost car insurance in Kansas

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Drivers in Kansas can find the cheapest average premium with Travelers, at $1,844 per year. By comparison, the statewide average monthly cost is $201. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Kansas requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Kansas, depending on your situation.

Key Takeaways

Travelers has the lowest average car insurance premium in Kansas, costing $1,844 per year. That’s $566 the state average.
For drivers with an at-fault accident on record, Travelers offers the most affordable coverage at around $2,567 annually.
The 67401 ZIP code stands out as the cheapest area for auto insurance in Kansas, with an average yearly cost of $1,963.

Low-cost car insurance companies in Kansas

Among all insurers in Kansas, Travelers comes in lowest at $1,844 per year – $566 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Kansas.

Company	Average annual rates
Travelers	$1,844
GEICO	$1,996
Nationwide	$2,119
Progressive	$2,203
Shelter Insurance	$2,312
Farmers	$2,363
State Farm	$2,897
Allstate	$3,447
Iowa Farm Bureau	$4,331
USAA*	$1,375

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

How we choose low-cost car insurance companies in Kansas

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Kansas

In Kansas, drivers living in the 67401 ZIP code enjoy the lowest average annual premium at $1,963. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
67401	Salina	$1,963
67484	Tescott	$2,101
66835	Americus	$2,112
67448	Gypsum	$2,120
67425	Brookville	$2,125
66554	Randolph	$2,129
67546	Inman	$2,132
67422	Bennington	$2,132
66030	Gardner	$2,142
66031	New Century	$2,163

You might find interesting

Explore related topics

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Kansas by city

See rates in your city

Overland Park

Wichita

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Low-cost car insurance in Kansas by age

Teenagers pay significantly more for car insurance than adults in Kansas. For instance, a 16-year-old driver pays $6,527 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Kansas.

Age group	Full coverage annual premiums
Teens (16-19)	$7,397
Young Adults (20-24)	$3,892
Adults (25-60)	$2,400
Seniors (65-75)	$2,271

Low-cost car insurance in Kansas by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Kansas

Just one speeding ticket in Kansas can raise your rates by 22% – $526 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,996	$2,326	17%	$330
Travelers	$1,844	$2,471	34%	$627
Nationwide	$2,119	$2,603	23%	$484
Progressive	$2,203	$2,740	24%	$537
Farmers	$2,363	$2,899	23%	$535
State Farm	$2,897	$3,035	5%	$138
Allstate	$3,447	$3,819	11%	$372
USAA*	$1,375	$1,685	23%	$310

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

Low-cost car insurance after an accident in Kansas

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $2,567.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,844	$2,567	39%	$723
State Farm	$2,897	$3,224	11%	$328
Progressive	$2,203	$3,234	47%	$1,031
GEICO	$1,996	$3,453	73%	$1,457
Nationwide	$2,119	$3,477	64%	$1,358
Farmers	$2,363	$4,471	89%	$2,108
Allstate	$3,447	$5,212	51%	$1,765
USAA*	$1,375	$1,998	45%	$623

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

Low-cost car insurance after a DUI in Kansas

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Kansas offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,203	$2,384	$181	8%
Travelers	$1,844	$2,769	$925	50%
State Farm	$2,897	$3,035	$138	5%
Farmers	$2,363	$4,094	$1,731	73%
Allstate	$3,447	$4,501	$1,053	31%
Nationwide	$2,119	$4,521	$2,402	113%
GEICO	$1,996	$6,462	$4,466	224%
USAA*	$1,375	$3,267	$1,892	138%

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

Average cost of car insurance Kansas

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Kansas, the average cost of full coverage is $103 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Kansas, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Kansas.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Kansas. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.