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Cheap Car Insurance in Kansas for 2024

Here is the cheapest car insurance in Kansas according to NerdWallet's analysis.

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Updated Nov 1, 2024 · 8 min read
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Nerdy takeaways

  • Shelter offers the cheapest full coverage in Kansas, with an average rate of $1,525 per year according to NerdWallet's November 2024 analysis.

  • Full coverage in Kansas costs an average of $2,326 per year, or $194 per month.

  • If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Kansas is $616 per year, or $51 per month.

Auto insurance is an important purchase, but finding cheap car insurance isn’t always easy. NerdWallet found some of the cheapest car insurance companies in Kansas to help you compare rates and get a better deal for your coverage.

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Keep reading to find the cheapest car insurance in Kansas for different driver profiles and coverage types among:

Cheap car insurance in Kansas

Here's the cheapest full coverage car insurance in Kansas for 35-year-old drivers with different driving records.

CategoryCheapest companyMedian annual rate
Clean driving historyShelter$1,525
After a DUIShelter$2,328
After an accidentShelter$2,016
After a speeding ticketShelter$1,618
Having poor creditGeico$2,679

The cheapest car insurance company in Kansas is Shelter at $1,525 per year on average, or $127 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 $2,326 per year, or about $194 per month.

Minimum coverage in Kansas is $616 per year on average, but we found you can likely get a cheaper policy. For example, Farm Bureau Financial Services offers the cheapest rates in Kansas at $417 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

🤓Nerdy Tip

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.

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.

  • Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Kansas where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap auto insurance in Kansas 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:

CompanyMedian annual rateMedian monthly rate
Shelter$3,502$292
Auto-Owners$3,595$300
Farm Bureau Financial Services$3,765$314
Progressive$4,057$338
American Family$4,095$341

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:

CompanyMedian annual rateMedian monthly rate
Farm Bureau Financial Services$910$76
Shelter$984$82
Auto-Owners$990$83
Travelers$996$83
Progressive$1,000$83

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Travelers$1,312$109
Geico$1,426$119
Progressive$1,536$128
Shelter$1,555$130
Farm Bureau Financial Services$1,589$132

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Shelter$1,014$85
Progressive$1,137$95
Farm Bureau Financial Services$1,187$99
Travelers$1,285$107
Geico$1,356$113

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Progressive$1,204$100
Travelers$1,362$113
Shelter$1,416$118
Farm Bureau Financial Services$1,475$123
Auto-Owners$1,515$126

Cheapest car 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.

CompanyMedian annual rateMedian monthly rate
Progressive$1,082$90
American Family$1,407$117
Shelter$1,607$134
Dairyland$1,671$139
Travelers$1,701$142
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Cheap auto insurance in Kansas 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 seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Auto-Owners$1,740$145
Shelter$1,759$147
Travelers$1,787$149
Geico$1,897$158
Farm Bureau Financial Services$2,048$171

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:

CompanyMedian annual rateMedian monthly rate
Farm Bureau Financial Services$418$35
Auto-Owners$432$36
State Farm$445$37
Geico$454$38
Travelers$454$38

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$648$54
Travelers$740$62
Farm Bureau Financial Services$794$66
Shelter$815$68
Progressive$916$76

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
State Farm$510$43
Shelter$538$45
Farm Bureau Financial Services$544$45
Geico$586$49
Travelers$633$53

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
State Farm$576$48
Travelers$614$51
Auto-Owners$656$55
Farm Bureau Financial Services$674$56
Shelter$748$62

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$663$55
State Farm$665$55
American Family$698$58
Travelers$767$64
Shelter$848$71

Cheap auto insurance in Kansas 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:

CompanyMedian annual rateMedian monthly rate
Shelter$1,422$119
Travelers$1,626$136
Auto-Owners$1,704$142
Geico$1,873$156
Farm Bureau Financial Services$2,009$167

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:

CompanyMedian annual rateMedian monthly rate
Shelter$406$34
Farm Bureau Financial Services$415$35
Geico$437$36
Travelers$440$37
Auto-Owners$446$37

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$625$52
Shelter$657$55
Travelers$735$61
Farm Bureau Financial Services$813$68
Progressive$889$74

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Shelter$445$37
State Farm$517$43
Farm Bureau Financial Services$540$45
Geico$559$47
Travelers$637$53

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
State Farm$579$48
Shelter$618$52
Travelers$620$52
Farm Bureau Financial Services$670$56
Auto-Owners$676$56

Cheapest car insurance in Kansas for 40-year-old drivers after a DUI

The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.

CompanyMedian annual rateMedian monthly rate
Progressive$640$53
State Farm$673$56
American Family$698$58
Shelter$700$58
Travelers$778$65

Cheap auto insurance in Kansas 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:

CompanyMedian annual rateMedian monthly rate
Shelter$1,213$101
Geico$1,326$111
Travelers$1,497$125
Auto-Owners$1,614$135
Farm Bureau Financial Services$1,752$146

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:

CompanyMedian annual rateMedian monthly rate
Geico$341$28
Shelter$343$29
Farm Bureau Financial Services$362$30
Travelers$421$35
Auto-Owners$430$36

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$488$41
Shelter$559$47
Travelers$684$57
Farm Bureau Financial Services$706$59
Safe Auto$798$67

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Shelter$388$32
Geico$431$36
Farm Bureau Financial Services$470$39
State Farm$510$42
Travelers$627$52

Cheapest car 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 minimum coverage rates:

CompanyMedian annual rateMedian monthly rate
Shelter$538$45
State Farm$571$48
Farm Bureau Financial Services$583$49
Travelers$614$51
Auto-Owners$651$54

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$602$50
Shelter$609$51
American Family$654$55
State Farm$664$55
Travelers$751$63
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Cheap auto insurance in Kansas 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:

CompanyMedian annual rateMedian monthly rate
Shelter$1,169$97
Geico$1,346$112
Travelers$1,441$120
Auto-Owners$1,538$128
Farm Bureau Financial Services$1,680$140

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:

CompanyMedian annual rateMedian monthly rate
Shelter$331$28
Geico$352$29
Farm Bureau Financial Services$366$31
State Farm$413$34
Travelers$421$35

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$504$42
Shelter$538$45
Travelers$683$57
Farm Bureau Financial Services$713$59
Safe Auto$780$65

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Shelter$374$31
Geico$455$38
State Farm$474$39
Farm Bureau Financial Services$475$40
Travelers$648$54

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Shelter$520$43
State Farm$531$44
Farm Bureau Financial Services$589$49
Travelers$636$53
Auto-Owners$659$55

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$586$49
Shelter$588$49
State Farm$616$51
American Family$654$55
Travelers$785$65

Cheap auto insurance in Kansas 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:

CompanyMedian annual rateMedian monthly rate
Shelter$1,301$108
Geico$1,465$122
Travelers$1,524$127
Farm Bureau Financial Services$1,600$133
Auto-Owners$1,697$141

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:

CompanyMedian annual rateMedian monthly rate
Shelter$367$31
Geico$383$32
Farm Bureau Financial Services$395$33
State Farm$444$37
Travelers$481$40

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$547$46
Shelter$597$50
Travelers$769$64
Farm Bureau Financial Services$772$64
Progressive$886$74

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Shelter$415$35
Geico$495$41
State Farm$509$42
Farm Bureau Financial Services$514$43
Progressive$754$63

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
State Farm$571$48
Shelter$577$48
Farm Bureau Financial Services$637$53
Travelers$758$63
Auto-Owners$819$68

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Shelter$653$54
State Farm$663$55
Progressive$687$57
American Family$785$65
Travelers$946$79

Cheapest car insurance for military families in Kansas

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 64 of the 70 driver profiles we examined.

Minimum auto insurance limits required 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.

METHODOLOGY

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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