Cheap Car Insurance in Kansas for 2024
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Auto insurance is an important purchase, but finding cheap car insurance in Kansas isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in Kansas is Geico at $1,146 per year on average, or $96 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Kansas. Meanwhile, the average cost of full coverage car insurance in Kansas is $1,806 per year, or about $151 per month.
Did your rates go up? Auto insurance prices are on the rise in Kansas. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Kansas is $470 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Kansas at $272 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.How we chose the cheapest companies in Kansas
NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Kansas and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Kansas. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Kansas for 20-year-olds
Drivers in Kansas with clean driving records may want to consider the following companies, which had the lowest average rates:
- American Family: $2,237 per year, or about $186 per month.
- Geico: $2,454 per year, or about $205 per month.
- Farmers Union: $2,650 per year, or about $221 per month.
- Shelter: $2,936 per year, or about $245 per month.
- Farm Bureau Financial Services: $2,960 per year, or about $247 per month.
Cheapest minimum coverage car insurance in Kansas for 20-year-olds
Drivers in Kansas who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
- Geico: $618 per year, or about $52 per month.
- Farm Bureau Financial Services: $658 per year, or about $55 per month.
- Farmers Union: $772 per year, or about $64 per month.
- Shelter: $852 per year, or about $71 per month.
- Auto-Owners: $870 per year, or about $73 per month.
Cheapest auto insurance in Kansas for 20-year-olds with poor credit
Drivers with poor credit in Kansas should look at the following insurers with the lowest average rates for minimum coverage:
- Geico: $872 per year, or about $73 per month.
- Farm Bureau Financial Services: $1,156 per year, or about $96 per month.
- Travelers: $1,177 per year, or about $98 per month.
- Shelter: $1,349 per year, or about $112 per month.
- Progressive: $1,358 per year, or about $113 per month.
Cheapest auto insurance in Kansas for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:
- Geico: $753 per year, or about $63 per month.
- Farm Bureau Financial Services: $857 per year, or about $71 per month.
- Shelter: $878 per year, or about $73 per month.
- Electric Insurance: $968 per year, or about $81 per month.
- Progressive: $977 per year, or about $81 per month.
Cheapest auto insurance in Kansas for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Kansas, here are the companies with the lowest average rates for minimum coverage:
- Geico: $895 per year, or about $75 per month.
- Electric Insurance: $980 per year, or about $82 per month.
- Progressive: $1,039 per year, or about $87 per month.
- Farm Bureau Financial Services: $1,064 per year, or about $89 per month.
- Farmers Union: $1,072 per year, or about $89 per month.
Cheapest auto insurance in Kansas for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
- Progressive: $920 per year, or about $77 per month.
- Electric Insurance: $968 per year, or about $81 per month.
- American Family: $1,051 per year, or about $88 per month.
- Farmers Union: $1,235 per year, or about $103 per month.
- Shelter: $1,391 per year, or about $116 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Kansas for 30-year-olds
Drivers in Kansas who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Geico: $1,161 per year, or about $97 per month.
- American Family: $1,346 per year, or about $112 per month.
- Shelter: $1,476 per year, or about $123 per month.
- Auto-Owners: $1,541 per year, or about $128 per month.
- Farm Bureau Financial Services: $1,611 per year, or about $134 per month.
Cheapest minimum coverage car insurance in Kansas for 30-year-olds
Drivers in Kansas who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Geico: $278 per year, or about $23 per month.
- Farm Bureau Financial Services: $304 per year, or about $25 per month.
- Auto-Owners: $381 per year, or about $32 per month.
- Travelers: $399 per year, or about $33 per month.
- Electric Insurance: $420 per year, or about $35 per month.
Cheapest auto insurance in Kansas for 30-year-olds with poor credit
Drivers with poor credit in Kansas should consider the following companies with the lowest average rates for full coverage:
- Geico: $1,576 per year, or about $131 per month.
- American Family: $2,339 per year, or about $195 per month.
- Nationwide: $2,654 per year, or about $221 per month.
- Shelter: $2,773 per year, or about $231 per month.
- Travelers: $2,866 per year, or about $239 per month.
Cheapest auto insurance in Kansas for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:
- Geico: $340 per year, or about $28 per month.
- Farm Bureau Financial Services: $394 per year, or about $33 per month.
- Electric Insurance: $463 per year, or about $39 per month.
- Shelter: $467 per year, or about $39 per month.
- State Farm: $486 per year, or about $41 per month.
Cheapest auto insurance in Kansas for 30-year-old drivers with one at-fault crash
For drivers in Kansas with a recent accident, here are the lowest average rate options for full coverage:
- American Family: $1,495 per year, or about $125 per month.
- Shelter: $1,921 per year, or about $160 per month.
- Auto-Owners: $2,141 per year, or about $178 per month.
- Geico: $2,151 per year, or about $179 per month.
- Travelers: $2,387 per year, or about $199 per month.
Cheapest auto insurance in Kansas for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
- American Family: $1,686 per year, or about $141 per month.
- Shelter: $2,214 per year, or about $185 per month.
- Progressive: $2,231 per year, or about $186 per month.
- Electric Insurance: $2,676 per year, or about $223 per month.
- Travelers: $3,002 per year, or about $250 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Kansas for 40-year-olds
Drivers in Kansas with clean driving records may want to think about the following companies, which had the lowest average rates:
- Geico: $1,146 per year, or about $96 per month.
- Shelter: $1,193 per year, or about $99 per month.
- American Family: $1,215 per year, or about $101 per month.
- Auto-Owners: $1,509 per year, or about $126 per month.
- Travelers: $1,552 per year, or about $129 per month.
Cheapest minimum coverage car insurance in Kansas for 40-year-olds
Drivers in Kansas who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
- Geico: $268 per year, or about $22 per month.
- Farm Bureau Financial Services: $302 per year, or about $25 per month.
- Shelter: $352 per year, or about $29 per month.
- Electric Insurance: $385 per year, or about $32 per month.
- Travelers: $391 per year, or about $33 per month.
Cheapest auto insurance in Kansas for 40-year-olds with poor credit
Drivers with poor credit in Kansas can check out the following insurers with the lowest average rates for full coverage:
- Geico: $1,556 per year, or about $130 per month.
- American Family: $2,099 per year, or about $175 per month.
- Shelter: $2,256 per year, or about $188 per month.
- Nationwide: $2,498 per year, or about $208 per month.
- Travelers: $2,570 per year, or about $214 per month.
Cheapest auto insurance in Kansas for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:
- Geico: $328 per year, or about $27 per month.
- Shelter: $386 per year, or about $32 per month.
- Farm Bureau Financial Services: $392 per year, or about $33 per month.
- Electric Insurance: $432 per year, or about $36 per month.
- State Farm: $492 per year, or about $41 per month.
Cheapest auto insurance in Kansas for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:
- American Family: $1,495 per year, or about $125 per month.
- Shelter: $1,594 per year, or about $133 per month.
- Auto-Owners: $2,102 per year, or about $175 per month.
- Geico: $2,122 per year, or about $177 per month.
- Travelers: $2,217 per year, or about $185 per month.
Cheapest auto insurance in Kansas for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
- American Family: $1,512 per year, or about $126 per month.
- Shelter: $1,835 per year, or about $153 per month.
- Progressive: $2,030 per year, or about $169 per month.
- Electric Insurance: $2,597 per year, or about $216 per month.
- Travelers: $2,793 per year, or about $233 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in Kansas for 50-year-olds
Drivers in Kansas with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- Geico: $811 per year, or about $68 per month.
- Shelter: $1,018 per year, or about $85 per month.
- American Family: $1,119 per year, or about $93 per month.
- Farm Bureau Financial Services: $1,383 per year, or about $115 per month.
- Travelers: $1,411 per year, or about $118 per month.
Cheapest minimum coverage car insurance in Kansas for 50-year-olds
Drivers in Kansas who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
- Geico: $209 per year, or about $17 per month.
- Farm Bureau Financial Services: $263 per year, or about $22 per month.
- Shelter: $298 per year, or about $25 per month.
- Electric Insurance: $359 per year, or about $30 per month.
- Travelers: $376 per year, or about $31 per month.
Cheapest auto insurance in Kansas for 50-year-olds with poor credit
Drivers with poor credit in Kansas can check with the following companies, which showed the lowest average rates for full coverage:
- Geico: $1,102 per year, or about $92 per month.
- American Family: $1,926 per year, or about $161 per month.
- Shelter: $1,947 per year, or about $162 per month.
- Nationwide: $2,287 per year, or about $191 per month.
- Travelers: $2,308 per year, or about $192 per month.
Cheapest auto insurance in Kansas for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:
- Geico: $256 per year, or about $21 per month.
- Shelter: $337 per year, or about $28 per month.
- Farm Bureau Financial Services: $342 per year, or about $29 per month.
- Electric Insurance: $405 per year, or about $34 per month.
- State Farm: $485 per year, or about $40 per month.
Cheapest auto insurance in Kansas for 50-year-old drivers with one at-fault crash
For drivers living in Kansas with a recent accident, here are the insurers with the lowest average full coverage rates:
- Shelter: $1,372 per year, or about $114 per month.
- American Family: $1,373 per year, or about $114 per month.
- Geico: $1,752 per year, or about $146 per month.
- Auto-Owners: $1,991 per year, or about $166 per month.
- Farm Bureau Financial Services: $2,077 per year, or about $173 per month.
Cheapest auto insurance in Kansas for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
- American Family: $1,388 per year, or about $116 per month.
- Shelter: $1,579 per year, or about $132 per month.
- Progressive: $1,849 per year, or about $154 per month.
- Electric Insurance: $2,344 per year, or about $195 per month.
- Travelers: $2,684 per year, or about $224 per month.
Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Kansas for 60-year-olds
Drivers in Kansas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Geico: $824 per year, or about $69 per month.
- Shelter: $983 per year, or about $82 per month.
- American Family: $1,077 per year, or about $90 per month.
- Farm Bureau Financial Services: $1,325 per year, or about $110 per month.
- Auto-Owners: $1,364 per year, or about $114 per month.
Cheapest minimum coverage car insurance in Kansas for 60-year-olds
Drivers in Kansas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Geico: $216 per year, or about $18 per month.
- Farm Bureau Financial Services: $266 per year, or about $22 per month.
- Shelter: $288 per year, or about $24 per month.
- Electric Insurance: $345 per year, or about $29 per month.
- Travelers: $380 per year, or about $32 per month.
Cheapest auto insurance in Kansas for 60-year-olds with poor credit
Drivers with poor credit in Kansas can look at the following companies with the lowest average rates for full coverage:
- Geico: $1,118 per year, or about $93 per month.
- American Family: $1,857 per year, or about $155 per month.
- Shelter: $1,885 per year, or about $157 per month.
- Nationwide: $2,115 per year, or about $176 per month.
- Travelers: $2,232 per year, or about $186 per month.
Cheapest auto insurance in Kansas for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:
- Geico: $264 per year, or about $22 per month.
- Shelter: $325 per year, or about $27 per month.
- Farm Bureau Financial Services: $346 per year, or about $29 per month.
- Electric Insurance: $390 per year, or about $33 per month.
- State Farm: $451 per year, or about $38 per month.
Cheapest auto insurance in Kansas for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:
- Shelter: $1,319 per year, or about $110 per month.
- American Family: $1,373 per year, or about $114 per month.
- Geico: $1,779 per year, or about $148 per month.
- Auto-Owners: $1,906 per year, or about $159 per month.
- Farm Bureau Financial Services: $1,998 per year, or about $167 per month.
Cheapest auto insurance in Kansas for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- American Family: $1,340 per year, or about $112 per month.
- Shelter: $1,517 per year, or about $126 per month.
- Progressive: $1,760 per year, or about $147 per month.
- Electric Insurance: $2,233 per year, or about $186 per month.
- State Farm: $2,574 per year, or about $215 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Kansas for 70-year-olds
Drivers in Kansas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Geico: $897 per year, or about $75 per month.
- Shelter: $1,092 per year, or about $91 per month.
- American Family: $1,131 per year, or about $94 per month.
- Farm Bureau Financial Services: $1,259 per year, or about $105 per month.
- Nationwide: $1,415 per year, or about $118 per month.
Cheapest minimum coverage car insurance in Kansas for 70-year-olds
Drivers in Kansas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Geico: $235 per year, or about $20 per month.
- Farm Bureau Financial Services: $288 per year, or about $24 per month.
- Shelter: $319 per year, or about $27 per month.
- Electric Insurance: $395 per year, or about $33 per month.
- State Farm: $423 per year, or about $35 per month.
Cheapest auto insurance in Kansas for 70-year-olds with poor credit
Drivers with poor credit in Kansas can look at the following companies with the lowest average rates for full coverage:
- Geico: $1,217 per year, or about $101 per month.
- American Family: $1,955 per year, or about $163 per month.
- Shelter: $2,079 per year, or about $173 per month.
- Nationwide: $2,172 per year, or about $181 per month.
- Farm Bureau Financial Services: $2,388 per year, or about $199 per month.
Cheapest auto insurance in Kansas for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:
- Geico: $287 per year, or about $24 per month.
- Shelter: $361 per year, or about $30 per month.
- Farm Bureau Financial Services: $373 per year, or about $31 per month.
- Electric Insurance: $449 per year, or about $37 per month.
- State Farm: $485 per year, or about $40 per month.
Cheapest auto insurance in Kansas for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:
- American Family: $1,380 per year, or about $115 per month.
- Shelter: $1,481 per year, or about $123 per month.
- Geico: $1,903 per year, or about $159 per month.
- Farm Bureau Financial Services: $1,914 per year, or about $160 per month.
- Auto-Owners: $2,139 per year, or about $178 per month.
Cheapest auto insurance in Kansas for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- American Family: $1,429 per year, or about $119 per month.
- Shelter: $1,704 per year, or about $142 per month.
- Progressive: $1,919 per year, or about $160 per month.
- Electric Insurance: $2,381 per year, or about $198 per month.
- State Farm: $2,667 per year, or about $222 per month.
Cheapest car insurance for military families
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 53 of the 70 driver profiles we examined.
Minimum required auto insurance in Kansas
Kansas has some of the most extensive car insurance requirements of any state. Policies must include liability insurance, uninsured and underinsured motorist coverage and personal injury protection in the following amounts:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per accident.
$25,000 property damage liability per accident.
$25,000 uninsured/underinsured motorist coverage per person.
$50,000 uninsured/underinsured motorist coverage per accident.
Personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral, burial or cremation costs, and $4,500 for rehabilitation.
Survivor benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.
That’s enough to drive legally, but you may want more than the minimum coverage. If you’re in an accident that causes bills higher than these amounts, you’ll have to pay the rest on your own. Check out NerdWallet’s state-by-state car insurance requirements.
Alternative car insurance in Kansas
Drivers with DUIs, poor credit or other factors preventing them from getting car insurance on the voluntary market can seek coverage through the Kansas Automobile Insurance Plan.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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