Cheapest car insurance in Kansas

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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

Cheap car insurance companies in Kansas

At 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.

*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 Kansas

The 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.

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.

Cheapest car insurance in Kansas by age

In 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.

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Cheapest car insurance in Kansas by driver history

Your 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 Kansas

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• Nationwide: $1,617 per year
• Geico: $1,889 per year
• State Farm: $2,071 per year

Insure.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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Kansas

Here are the top three insurers that provide cheap car insurance rates following an accident.

• Nationwide: $2,160 per year
• State Farm: $2,200 per year
• Travelers: $2,228 per year

Nationwide 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Kansas

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• State Farm: $2,071 per year
• Progressive: $2,097 per year
• Travelers: $2,403 per year

A 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Kansas

Full 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 thoughts

When 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.

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 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 applied

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

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

Shivani Gite

Contributing Writer

 

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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.