Low-cost car insurance in Kansas

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In Kansas, Travelers offers the cheapest average premium at $1,844 per year. For comparison, the statewide average monthly cost is $201, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Kansas, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Travelers has the cheapest average premium in Kansas, coming in at $1,844 per year – about $566 compared to the state average.
For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $2,567.
The 67401 ZIP code is the least expensive area in Kansas for car insurance, with an average yearly premium 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

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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

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Low-cost car insurance in Kansas by age

Young drivers often face the highest premiums. In Kansas, for example, a 16-year-old pays $6,527 more than a 40-year-old driver.

The table below shows how rates change by age group.

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

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

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

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Travelers has the lowest average rate at $2,567 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Kansas with the most affordable rates for drivers with an accident on their record.

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

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Kansas are more affordable than others. The table below shows which companies offer the lowest average 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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Kansas, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

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.