Cheapest Car Insurance In Kansas For 2024
Auto-Owners is recognized for its reliable and competitively priced basic car insurance coverage in Kansas, starting at $42 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Although affordable car insurance may seem difficult to find in Kansas, the search doesn’t have to be overwhelming. Auto-Owners is a reliable name in insurance, known for competitive rates and coverage that spans from basic to comprehensive. With living expenses on the rise, finding budget-friendly insurance with the right coverage is key.
Whether you’re a new driver, a regular commuter, or part of a family trying to cut costs, knowing the factors that impact rates and understanding where to look for savings can be a game changer. After a decade of study, I’ve created this guide to assist you in finding the right insurance in Kansas.
Cheapest Car Insurance Companies In Kansas
Our Methodology
In my investigation, I used a structured approach to gather and analyze information on different car insurance providers and their policies. Initially, I identified critical factors to examine, such as coverage options, pricing, customer satisfaction, and financial stability. Then, I gathered data from reputable sources like insurance company websites, consumer reviews, and industry reports. Once compiled, I categorized the data and evaluated each insurer based on specific criteria. This involved comparing coverage options, premium rates, discounts, and customer feedback to determine the strengths and weaknesses of each provider.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance In Kansas For Drivers With Poor Credit
Kansas residents can find American Family’s insurance rates particularly appealing, as they start at around $130 per month for drivers with poor credit.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Farmers |
$172 |
$2,062 |
|
Allstate |
$182 |
$2,182 |
|
State Farm |
$292 |
$3,502 |
|
Travelers |
$135 |
$1,618 |
|
American Family |
$130 |
$1,558 |
Credit scores are a key factor in determining car insurance rates in Kansas. Insurers assess risk using credit history, so lower scores can lead to higher premiums. Drivers with poor credit are perceived as higher-risk for claims. Nonetheless, they can offset costs by comparing insurance quotes and pursuing discounts.
Cheapest Car Insurance In Kansas For Minimum Coverage
Auto-Owners’ rates for minimum car insurance coverage in Kansas are highly competitive, averaging about $42 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Nationwide |
$45 |
$538 |
|
Auto-Owners |
$42 |
$501 |
|
Farmers |
$60 |
$718 |
|
American Family |
$45 |
$538 |
|
$43 |
$514 |
In Kansas, drivers must have basic car insurance to drive legally, which generally includes liability coverage for bodily injury and property damage. Bodily injury liability covers medical expenses and legal fees if you cause an accident that injures others, while property damage liability covers costs for repairing or replacing someone else’s property or vehicle if you’re responsible. These minimum coverage levels are established by state law and may differ based on your driving history or the type of vehicle. Understanding these rules is crucial for ensuring adequate financial protection.
Cheapest Car Insurance In Kansas For Young Drivers
In Kansas, young adults usually pay lower car insurance rates than teenage drivers. They are often safer on the road, resulting in fewer accidents and claims. Insurance companies recognize this and offer reduced premiums for young adults with safer driving records.
Cheapest Kansas Car Insurance For 16-Year-Olds
Travelers delivers the best value for sixteen-year-olds, with rates starting at $420 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Shelter | $559 | $6,706 |
| Iowa Farm Bureau | $571 | $6,849 |
| State Farm | $642 | $7,697 |
| Travelers | $420 | $5,039 |
| Nationwide | $506 | $6,066 |
Cheapest Kansas Car Insurance For 17-Year-Olds
Seventeen-year-olds can expect to pay around $356 annually for insurance with Travelers, the most affordable option.
| Provider | Average Monthly Cost | Average Annual Cost |
| Shelter | $452 | $5,414 |
| Nationwide | $495 | $5,931 |
| Iowa Farm Bureau | $529 | $6,346 |
| Travelers | $356 | $4,272 |
| USAA | $429 | $5,144 |
Cheapest Kansas Car Insurance For 18-Year-Olds
For 18-year-olds, Travelers offers the lowest insurance rates, averaging $307 per month
| Provider | Average Monthly Cost | Average Annual Cost |
| Shelter | $440 | $5,280 |
| Nationwide | $471 | $5,653 |
| Iowa Farm Bureau | $490 | $5,874 |
| Travelers | $307 | $3,709 |
| USAA | $385 | $4,612 |
Cheapest Kansas Car Insurance For 21-Year-Olds
With an average premium of $187 per month, USAA is the most affordable insurance for 21-year-olds.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $238 | $2,856 |
| Progressive | $244 | $2,921 |
| Farmers | $307 | $3,683 |
| USAA | $187 | $2,235 |
| Travelers | $203 | $2,423 |
Cheapest Car Insurance In Kansas For Full Coverage
American Family’s full coverage car insurance stands out in Kansas for its affordability, with monthly premiums beginning at $76.
| Provider | Average Monthly Cost | Average Annual Cost |
|
State Farm |
$114 |
$1,366 |
|
American Family |
$76 |
$910 |
|
Nationwide |
$90 |
$1,078 |
|
Travelers |
$85 |
$1,018 |
|
GEICO |
$96 |
$1,150 |
Kansas drivers have the option to select full coverage car insurance, which goes beyond the basic liability insurance mandated by the state. This comprehensive insurance includes collision coverage for accident-related damages and comprehensive coverage for incidents such as theft or fire. Opting for full coverage provides financial security and peace of mind, ensuring preparedness for various risks. Reviewing policy specifics, including coverage limits and deductibles, is crucial to ensuring it meets individual requirements effectively.
Cheapest Car Insurance In Kansas For Good Drivers
American Family stands out in Kansas for offering insurance to good drivers at a low average cost of $76 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
State Farm |
$114 |
$1,366 |
|
American Family |
$76 |
$910 |
|
Nationwide |
$90 |
$1,078 |
|
Travelers |
$85 |
$1,018 |
|
GEICO |
$96 |
$1,150 |
Car insurance expenses for safe drivers in Kansas may vary due to factors like their driving history, age, and preferred coverage. Typically, those with a spotless driving record may enjoy lower premiums as they are deemed less risky by insurers. They may also be entitled to discounts for maintaining a good driving record. Safe drivers should explore quotes from various insurers to identify competitive rates and coverage options that best fit their circumstances.
Cheapest Car Insurance In Kansas For Seniors
American Family’s offering in Kansas for seniors is priced at an average of $70 per month, making it highly affordable.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Allstate |
$122 |
$1,462 |
|
Shelter |
$75 |
$898 |
|
Nationwide |
$79 |
$946 |
|
State Farm |
$100 |
$1,198 |
|
American Family |
$70 |
$838 |
Seniors may qualify for lower car insurance premiums because they are often viewed as experienced and careful drivers. Since many older adults drive fewer miles, their accident risk is lower. Some insurers offer discounts based on age and safe driving, with further savings for those who complete a defensive driving course to enhance their skills.
Cheapest Car Insurance In Kansas For Drivers With Prior Incidents
Getting affordable car insurance in Kansas is challenging for those with a history of accidents, speeding tickets, or DUIs. Insurers consider them high-risk, resulting in higher premiums to manage potential claims. This issue is particularly evident in Kansas due to its frequent traffic incidents. Insurers formulate their pricing strategies based on statistical analyses showing a link between past driving incidents and an increased chance of future claims.
Cheapest Car Insurance For Drivers With A Speeding Ticket
For drivers with speeding tickets, State Farm offers the best value, with average premiums set at $134.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $194 | $2,326 |
| Nationwide | $175 | $2,098 |
| State Farm | $134 | $1,606 |
| Progressive | $210 | $2,518 |
| Farmers | $306 | $3,670 |
Cheapest Auto Insurance In Kansas For Drivers With An At-Fault Accident
State Farm offers drivers with speeding infractions the best deal, with premiums averaging only $145.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $340 | $4,078 |
| GEICO | $270 | $3,238 |
| Nationwide | $242 | $2,902 |
| State Farm | $145 | $1,738 |
| Progressive | $290 | $3,478 |
Cheapest Car Insurance In Kansas For Drivers After A DUI
Progressive’s average premium of $200 makes it a standout choice for drivers with DUI histories seeking affordable insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $200 | $2,398 |
| Farm Bureau | $545 | $6,538 |
| Nationwide | $324 | $3,886 |
| Farmers | $305 | $3,658 |
| State Farm | $445 | $5,338 |
Average Cost Of Auto Insurance In Kansas – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $683 | $8,194 |
| 17 | $581 | $6,966 |
| 18 | $549 | $6,582 |
| 19 | $458 | $5,495 |
| 21 | $339 | $4,060 |
| 25 | $247 | $2,964 |
| 35 | $204 | $2,441 |
| 45 | $205 | $2,453 |
| 55 | $183 | $2,196 |
| 65 | $183 | $2,196 |
| 75 | $207 | $2,477 |
Average Cost Of Car Insurance In Kansas – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,390 |
| Male | Single | $1,416 |
| Female | Married | $1,492 |
| Male | Married | $1,534 |
Average Auto Insurance Rates In Kansas – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $128 | $1,534 |
| Good | $118 | $1,414 |
| Poor | $174 | $2,086 |
Cheapest Car Insurance In Kansas By City
| City | Average Monthly Cost | Average Annual Cost |
| Kansas City | $223 | $2,674 |
| Lawrence | $185 | $2,215 |
| Leavenworth | $200 | $2,393 |
| Dodge City | $232 | $2,785 |
| Emporia | $193 | $2,311 |
Minimum Car Insurance Requirements In Kansas
In Kansas, car insurance requirements include liability coverage of at least 25/50/25: $25,000 per injured person, $50,000 per accident, and $25,000 for property damage. Uninsured/underinsured motorist coverage is mandatory at $25,000 per person and $50,000 per accident, and Personal Injury Protection (PIP) is required to help with medical costs and lost wages. Drivers may use the Health Insurance Primary (HIP) option if their health insurance is eligible to replace PIP.
Car Insurance Discounts In Kansas
Looking for discounts on car insurance could lower your costs, and your agent might spot more. Some standard discounts are:
- Safe Driver Discount: For accident-free drivers.
- Multi-Vehicle Discount: Insuring more than one car under one policy can save money.
- Bundling Discount: Combining policies like car and home insurance may lower premiums.
- Good Student Discount: Students with good grades can enjoy reduced rates.
- Defensive Driving Discount: A defensive driving course might make you eligible for savings.
FAQs
How much is car insurance a month in Kansas?
The monthly expenditure on car insurance in Kansas differs, influenced by factors such as age, driving record, and selected coverage.
What is the minimum car insurance one must have in Kansas?
In Kansas, motorists are mandated to carry car insurance that includes liability coverage for injuries and property damage, as well as mandatory Personal Injury Protection (PIP).
Which insurance is better in Kansas?
Finding the best insurance plan in Kansas depends on your specific needs, driving habits, and coverage goals. Comparing quotes across providers can help you make an informed choice.
Related Content
How Much Is Car Insurance For 35 Year Old? Car Insurance For 18 Year Old Are Red Cars More Expensive To Insure?
Find A Policy
Tesla Model Y Insurance Cost Toyota 4Runner Insurance Cost Toyota Avalon Insurance Cost
Auto Insurance In Your Area
Car Insurance New Hampshire Car Insurance Jonesboro AR Car Insurance South Carolina
