Home Car insurance Car insurance rates by state Cheapest car insurance in Kansas Cheapest car insurance in Kansas Nationwide offers the cheapest car insurance rates in Kansas, based on Insure.com's analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 21, 2025 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. According to Insure.com’s analysis, Nationwide has the cheapest car insurance rates for most drivers in Kansas at $1,316 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.To comply with Kansas’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.Below, we’ve highlighted the most affordable insurance company in each category. Cheapest overall: Nationwide $1,316/year National avg. rate Cheapest for at-fault accident: Nationwide $2,160/year Avg. rate after an at-fault accident Cheapest for speeding ticket: Nationwide $1,617/year Avg. rate after speeding ticket Key Takeaways Nationwide offers Kansas drivers the cheapest car insurance rate at $1,316 annually, which is around 31% lower than the state’s average cost.In Kansas, you can find the cheapest car insurance from Nationwide at an annual cost of $2,160, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 67401 ZIP code has the cheapest car insurance rates for Kansas drivers, with an average cost of $1,645 a year. Cheap car insurance companies in KansasAt an average annual rate of $1,316, Nationwide offers the cheapest car insurance in Kansas, 31% less than the state average. Your premium may vary based on personal factors such as your driving record, ZIP Code and car type.It’s important to compare quotes from various carriers to ensure that you get the best deal.Below, you’ll find average annual car insurance rates from the most affordable insurance companies in Kansas.CompanyAverage annual ratesNationwide$1,316Travelers$1,601Geico$1,622Progressive$1,937State Farm$1,976Farmers$1,992Shelter Insurance$2,230Iowa Farm Bureau$2,289Allstate$2,968USAA*$1,151 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Kansas 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in KansasThe cheapest ZIP code for car insurance in Kansas is 67401, with an average annual cost of $1,645. Find below the most affordable ZIP codes for auto insurance rates in Kansas.ZIP codeCityAverage annual rates67401Salina$1,64566030Gardner$1,67466047Lawrence$1,67766049Lawrence$1,68166046Lawrence$1,68166502Manhattan$1,68566031New Century$1,69066021Edgerton$1,69266045Lawrence$1,69266044Lawrence$1,694Auto 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 cityKansas CityOlatheOverland ParkTopekaWichitaCheapest car insurance in Kansas by ageIn Kansas, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $5,045 more for car insurance than a 40-year-old driver.The following table shows the cheapest car insurance premiums for drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$5,764Young Adults (20-24)$2,964Adults (25-60)$1,878Seniors (65-75)$1,741 You might find interesting The best, cheapest car insurance in KansasKansas car insurance calculatorNon-owner car insurance in Kansas: Which company has the cheapest rates?Cheapest SR-22 insurance in KansasBest and cheapest companies for home and auto bundles in Kansas Cheapest car insurance in Kansas by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.Cheapest car insurance after a speeding ticket in KansasHere are the top three companies offering affordable rates for car insurance after a speeding ticket.Nationwide: $1,617 per yearGeico: $1,889 per yearState Farm: $2,071 per yearInsure.com data shows that a single speeding ticket in Kansas can result in a 22% or $414 increase in insurance rates.Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Kansas, below are insurers that provide cheap rates after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseNationwide$1,316$1,61723%$301Geico$1,622$1,88916%$267State Farm$1,976$2,0715%$95Travelers$1,601$2,14534%$544Progressive$1,937$2,40924%$472Farmers$1,992$2,44423%$452Allstate$2,968$3,28811%$320USAA*$1,151$1,41123%$260 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in KansasHere are the top three insurers that provide cheap car insurance rates following an accident.Nationwide: $2,160 per yearState Farm: $2,200 per yearTravelers: $2,228 per yearNationwide offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $2,160 annually.If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseNationwide$1,316$2,16064%$844State Farm$1,976$2,20011%$224Travelers$1,601$2,22839%$627Geico$1,622$2,80673%$1,184Progressive$1,937$2,84347%$906Farmers$1,992$3,76989%$1,777Allstate$2,968$4,48751%$1,519USAA*$1,151$1,67345%$522 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in KansasHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.State Farm: $2,071 per yearProgressive: $2,097 per yearTravelers: $2,403 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,976$2,071$955%Progressive$1,937$2,097$1608%Travelers$1,601$2,403$80250%Nationwide$1,316$2,809$1,493113%Farmers$1,992$3,451$1,45973%Allstate$2,968$3,875$90731%Geico$1,622$5,250$3,628224%USAA*$1,151$2,736$1,585138% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in KansasFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Kansas is $5 more than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.What is full coverage car insurance in Kansas?Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.If you lease or finance a car in Kansas, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.Final thoughtsWhen it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable coverage in Kansas.MethodologyInsure.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 violation 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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyShow moreShivani GiteContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in KansasHow we choose the cheapest car insurance companies in KansasCheapest ZIP codes for car insurance in KansasCheapest car insurance in Kansas by ageCheapest car insurance in Kansas by driver historyAverage car insurance cost in KansasFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates