Cheapest Auto Insurance in Kansas (2024)
Root offers the cheapest car insurance in Kansas, with monthly rates starting at $65.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
If you live in Kansas, here’s some good news: Your car insurance rates are less than the national average. The average Kansas driver pays $79 per month for minimum-coverage car insurance and $170 per month for full coverage.
From Kansas City to Dodge City and beyond, Kansas drivers generally get into fewer accidents — and when they do, they file claims at lower rates and for a smaller amount than people living in other states.[1] This translates into lower costs for everyone, but you can do things to save even more.
3 of the cheapest car insurance companies in Kansas
The best car insurance company for you depends on many different factors, including your age, gender, marital status, driving record, ZIP code, and more. This is why it’s important to compare quotes from multiple insurers to find the best policy for you.
As you begin your search, keep the following three insurers in mind.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $154 | $75 | One-stop shopping |
| Dairyland | 7.0 | $168 | $64 | High-risk drivers |
| Midvale Home & Auto | 7.4 | $102 | $59 | Families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for one-stop shopping: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $154/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco charges some of the lowest average rates for a minimum-coverage policy in the state. The company also offers many ways to save, including diminishing deductible and accident forgiveness. And good drivers can save up to 30% by using its mobile app.
While Safeco doesn’t offer a ton of individual coverage options for your car, it’s a handy choice if you’re looking to round out all your insurance needs with one company. Safeco also offers options for homeowners, renters, pet owners, and more.
Best insurer for high-risk drivers: Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $197/mo |
3.6
A solid optionBased on 246 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (133)
Oliver
November 5, 2024
Verified Review
Review Option
The insurance premium is too high without much coverage.
Stephen
November 5, 2024
Verified Review
Excellent
I paid them every month and they insured my car every month. It's not rocket science.
Pamela
November 4, 2024
Verified Review
Cheaper Coverage
I have recommended Dairyland to many people as they are the best I've had. However, my financial situation has changed and it's become difficult to make ends meet. So, I'm exploring options to reduce some of my bills.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Getting your license reinstated after it has been revoked can be expensive, but you can at least save the extra fee to file a form SR-22 with Dairyland. Many insurers charge you in order to submit this form to the state. Dairyland can also help if you’re interested in a non-owner car insurance policy.
Dairyland is an all-around cheaper option for regular drivers buying minimum coverage. It offers a few discounts that can help lower the cost further, such as those for new customers or for paying for your policy in full.
Pros
No SR-22 filing fee
Many coverage options
Cons
Only offers vehicle insurance
Expensive full-coverage premiums
Best insurer for families: Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Midvale Home & Auto is a division of American Family, and true to its parent company’s name, it offers specific discounts for teen drivers who earn good grades and those who leave their cars at home while going to college more than 100 miles away.
Purchasing a policy from Midvale can be difficult at times due to its poorly designed website. It also has a just-OK AM Best financial stability rating of A, while the best car insurance companies are rated as A++.[6] Still, it’s worth checking your rates to see what it can offer.
Pros
Special discounts for students
Offers homeowners and renters insurance
Cons
Lower financial strength rating than some insurers
Quotes not always available online
Find Cheap Car Insurance in Kansas
Liability rates start at $65 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How to get the cheapest car insurance in Kansas
Car insurance companies base your price on a lot of factors, such as your ZIP code, age, and gender. The good news is that you have control over some of the factors affecting your car insurance rates, including your credit score and which company you choose to buy a policy from.
Here are some quick tips to help you save as much money as possible on your car insurance:
Get several car insurance quotes every time your policy is up for renewal.
Look for the best deals and discounts insurance companies offer, especially for using a telematics device or mobile app to rate your driving.
When buying a car, consider one with more safety features, such as adaptive cruise control, automated braking, or backup cameras.
Cheapest liability-only car insurance in Kansas: Root
Kansas state law requires you to purchase liability insurance, and if you’re looking to maximize your annual savings, a minimum-coverage policy is the way to go. This coverage will pay for any damages you may cause to others while driving and help with the cost of defending yourself in court. But liability insurance won’t pay for your damages or injuries.
Liability insurance in Kansas costs an average of $79 per month.
Here, you can see the lowest average rates from leading insurers in Kansas.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $65 |
| Dairyland | $74 |
| CSAA | $75 |
| Safeco | $75 |
| National General | $77 |
| Direct Auto | $90 |
| Bristol West | $92 |
| Liberty Mutual | $97 |
| The General | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Kansas
Full-coverage policies include all the minimum-required coverages, plus collision and comprehensive insurance to protect your car against damage. Lenders frequently require you to carry a full-coverage policy, but if you’ve paid off your car, it’s optional.
Kansas drivers pay a monthly average of $170 for full-coverage insurance.
Here, you can see full-coverage rates available from leading insurers in Kansas.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $110 |
| CSAA | $138 |
| National General | $145 |
| Safeco | $154 |
| Direct Auto | $182 |
| Dairyland | $197 |
| Liberty Mutual | $216 |
| The General | $219 |
| Bristol West | $247 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Kansas
Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $84/mo for full coverage in Kansas.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kansas
Kansas is one of the few no-fault states in the country. This means insurers in Kansas generally reimburse their own drivers for medical bills after a car accident rather than seeking payment from the other driver’s insurance company. Because of this, Kansas law sets higher minimum requirements for coverage than is typical in other states.
You can see the minimum requirements in Kansas in the table below:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
| Personal injury protection | $4,500 per person for medical expenses |
| Uninsured and underinsured motorist | $25,000 per person / $50,000 per accident |
The table above outlines the state’s minimum requirements, but in some cases, you may want to purchase higher limits of coverage, including:
Collision coverage
Collision insurance pays to fix or replace your car if it’s in an accident, and some lenders may require it (along with comprehensive) as a part of a full-coverage policy.
Comprehensive coverage
Comprehensive insurance pays for non-collision damage to your car, such as from hailstorms, riots, falling trees, or hitting wildlife.
Roadside assistance coverage
Roadside assistance helps pay for sending assistance if you break down or run into other problems on the road, like getting stuck in a ditch or locked out of your car.
Gap coverage
If your car is totaled in an accident, gap insurance kicks in to pay the remaining balance (if any) on your auto loan or lease after you receive a payout.
Cheapest car insurance for drivers with an incident
Your driving record has a huge influence on your car insurance bill. Any negative marks — even a speeding ticket — can lead to higher premiums, as insurers will deem you to be a higher risk. If you have a conviction for driving under the influence or a history of one or more at-fault accidents, your rates may increase even further.
In the sections that follow, you’ll see how individual incident types can affect your rates in Kansas.
Shop for Car Insurance in Kansas
Monthly rates start at $88 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Root
If you’re caught speeding even once, insurers may still raise your rates to guard against future instances of costly claims. In 2022, speeding Kansas drivers were involved in car accidents that injured 2,054 people and killed 93 people.[7]
The average cost of car insurance for Kansas drivers with a speeding ticket is $260 per month for a full-coverage policy and $121 per month for the minimum amount of car insurance. Here, you can see how a speeding ticket affects your rates compared to a clean record in Kansas.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Root | $65 | $95 |
| Dairyland | $74 | $101 |
| CSAA | $75 | $104 |
| Safeco | $75 | $104 |
| National General | $77 | $105 |
| Direct Auto | $90 | $123 |
| Bristol West | $92 | $126 |
| Liberty Mutual | $97 | $142 |
| The General | $101 | $140 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Root
If you cause one auto accident, insurers generally raise your rates because they see you as more likely to file a claim again.
Sunflower State residents with an at-fault accident on their driving record typically pay $261 for full coverage and $121 for liability coverage.
Here’s how much a car insurance policy typically costs from leading insurers in Kansas for drivers with an accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Root | $65 | $97 |
| Dairyland | $74 | $103 |
| CSAA | $75 | $109 |
| Safeco | $75 | $104 |
| National General | $77 | $108 |
| Direct Auto | $90 | $129 |
| Bristol West | $92 | $129 |
| Liberty Mutual | $97 | $145 |
| The General | $101 | $144 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Root
People caught behind the wheel while under the influence of alcohol or other drugs typically pay the highest rates of any Kansas residents. That’s because this is one of the riskiest things you can do as a driver, and about 1 in 4 people goes on to become a repeat offender.[8]
Alcohol was involved in about 4% of all Kansas car crashes in 2022, resulting in the deaths of 95 people.[7]
It’s still possible to find coverage, even with a DUI on your record. Here are the most affordable car insurance rates for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Root | $65 | $99 |
| Dairyland | $74 | $125 |
| CSAA | $75 | $114 |
| Safeco | $75 | $118 |
| National General | $77 | $130 |
| Direct Auto | $90 | $152 |
| Bristol West | $92 | $156 |
| Liberty Mutual | $97 | $164 |
| The General | $101 | $171 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Root
The average cost of car insurance changes as you age. Rates are typically lower for middle-aged drivers, while prices start to increase again once you reach age 70. After this age, your risk of getting into a car accident starts to rise.
Senior drivers in Kansas looking for cheap car insurance pay an average of $56 per month for liability car insurance and $121 for full coverage.
The following companies offer the cheapest car insurance rates for seniors in Kansas:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Root | $51 | $86 |
| CSAA | $53 | $98 |
| Dairyland | $55 | $146 |
| National General | $55 | $103 |
| Safeco | $60 | $123 |
| Direct Auto | $65 | $132 |
| Bristol West | $69 | $184 |
| The General | $76 | $165 |
| Liberty Mutual | $76 | $169 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Root
Teen drivers typically pay the highest car insurance costs of any age group, and Kansas teens are no exception. This is because teen drivers are statistically more likely to get into an accident, and drivers younger than 25 were involved in 97 fatal crashes in Kansas in 2022.[8]
Male teens, in particular, pay more for policies than other family members, but teens still have ways to save money — especially if they’re able to switch to a more affordable insurer.
Rates for families with Kansas teens start at $102, and you can see the rates available from top insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Root | $102 | $172 |
| Dairyland | $125 | $333 |
| CSAA | $126 | $232 |
| Safeco | $150 | $309 |
| National General | $158 | $297 |
| Bristol West | $162 | $435 |
| The General | $168 | $364 |
| Direct Auto | $172 | $347 |
| Liberty Mutual | $174 | $388 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Kansas
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Kansas car insurance quotes by credit tier
Having a good credit score correlates with being at a lower risk of filing a claim. That’s why insurers generally review your credit history during the underwriting process.
If you have poor credit, you can expect the cost of car insurance to go up, unfortunately. Here’s how much it may increase.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Kansas car insurance FAQs
If you still have questions about finding the lowest-cost car insurance in Kansas, the following answers can help.
How much is car insurance in Kansas?
The average rate for liability-only insurance in Kansas is $79, and the average rate for full coverage is $170. These rates make Kansas one of the more affordable states in the nation for car insurance.
Who has the cheapest car insurance in Kansas?
Root offers the cheapest car insurance rates in Kansas, starting at $65. Other affordable insurers in the state include Dairyland and CSAA, with respective monthly liability rates of $74 and $75.
But the cheapest company for you will depend on many factors, such as your age, ZIP code, type of car you drive, and coverage levels you choose.
What are the best car insurance companies in Kansas?
Safeco, Midvale Home & Auto, and Dairyland rank as three of the top insurers in Kansas. Safeco routinely offers some of the state’s most competitive rates, while Midvale Home & Auto offers several discounts that make it an appealing option for families. Meanwhile, if you’re a high-risk driver, Dairyland offers more affordable coverage than you’ll find with many other insurers.
What’s the cheapest type of car insurance in Kansas?
The most affordable car insurance is liability coverage. Liability coverage rates are lower because this type of coverage only covers damage and injury costs that other parties suffer in an accident you cause. It doesn’t provide any coverage for your own expenses.
How can you find the cheapest car insurance in Kansas?
The best way to find the most affordable car insurance for you is to compare quotes from multiple insurers at the same time using a price-comparison platform. This allows you to review not only premium prices but also the amount of coverage you’re getting for your money.
Insurify Insights
How Kansas Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Kansas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Kansas drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Kansas
#6
State with the Most Speeding Tickets Rank
#12
State with the Moving Violations Rank
#23
State with the Most DUIs Rank
#11
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Kansas is the #21 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #21
- Percent of drivers in Kansas with an accident: 8.9%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kansas is the #23 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #23
- Percent of drivers in Kansas with a DUI: 1.6%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Kansas is the #10 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #10
- Percent of drivers in Kansas with a reckless driving offense: 1.8%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Kansas is the #12 state in the country for drivers with a rude driving violation on record.
- Rank among states: #12
- Percent of drivers in Kansas with a rude driving violation: 2%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Kansas is the #6 state in the country for drivers with a speeding ticket on record.
- Rank among states: #6
- Percent of drivers in Kansas with a speeding ticket: 11.4%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kansas is the #23 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #23
- Percent of drivers in Kansas with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons."
- Kansas Insurance Department. "Auto Insurance."
- Kansas Department of Transporation. "2022 Kansas Traffic Crash Facts."
- App Store. "Safeco Mobile."
- Better Business Bureau. "Safeco Insurance Company."
- AM Best. "Midvale Indemnity Company."
- Kansas Department of Transportation. "Speed Related Crashes by Age Group."
- NHTSA. "Traffic Safety Facts."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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