Cheapest car insurance in Kansas for 2021

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In 2015, the most recent year with available data, there were over 60,000 car accidents in Kansas, resulting in over 18,000 injuries and 355 deaths. Having car insurance coverage in Kansas is an important part of your financial planning. A policy can protect your finances from the devastation that can occur if you cause an accident.

The average cost of car insurance in Kansas is $410 per year for minimum coverage and $1,698 per year for full coverage, not far from the national average. If budget is your primary concern, you might be looking for the cheapest car insurance in Kansas. Bankrate’s insurance editorial team has conducted research that might make your car insurance search easier.

The cheapest car insurance in Kansas

Car insurance is required in Kansas, as it is in most states, but that does not mean you need to break the bank to get coverage. We reviewed the average premiums, which we obtained from Quadrant Information Services, for the largest companies in Kansas by market share. We also took other aspects of each company into consideration, like discounts, coverages and third-party rankings.

If you are searching for cheap car insurance coverage in Kansas, the following companies could be a good place to start:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $239 $1,225
Iowa Farm Bureau $325 $1,494
State Farm $335 $1,280
Farmers $362 $1,335
American Family $531 $1,858

USAA

USAA is widely considered to be one of the best and most affordable insurance companies. However, not all drivers are eligible for coverage. USAA only sells insurance policies to active duty military members, veterans and certain immediate family members.

USAA’s average Kansas premiums are quite a bit lower than the state’s average. The company also offers a variety of discounts, including savings for being a safe driver, being a good student, garaging a vehicle on a military base, driving infrequently, insuring a new vehicle and taking a driver training course.

Learn more: USAA Insurance review

Iowa Farm Bureau

Although “Iowa” is in the name, Iowa Farm Bureau sells insurance in Kansas through a network of agents. The company’s average minimum and full coverage premiums are well below the state’s average. You might want to take advantage of the optional coverages, too, by adding roadside assistance or replacement cost coverage.

If you are looking for discounts, Farm Bureau does not disappoint. You might save with the company’s telematics discount, Driveology. You may also qualify for a discount if you are a safe driver, a good student or if you insure multiple cars.

Learn more: Farm Bureau Insurance review

State Farm

State Farm is the largest car insurance company in the country, with over 16% of the market share. If you are looking for a company with cheap average rates coupled with a personalized, agency experience, State Farm could be a good fit. The company has a network of agents across Kansas that may be able to help you with your auto insurance needs.

In terms of savings opportunities, drivers have a number of options. State Farm has two safe driver discounts programs, Drive Safe & Save for adults and Steer Clear for teen drivers. State Farm also offers a variety of more traditional discounts for being accident-free, being a good student, having a car with safety features, insuring multiple vehicles and bundling policies.

Learn more: State Farm Insurance review

Farmers

You may want to consider Farmers if you are looking for a company with plenty of optional coverages and cheaper-than-average rates. The company offers numerous options for customizing your policy. You could add guaranteed value coverage, customized equipment coverage, ridesharing coverage, rental car reimbursement or roadside assistance.

Although Farmers does not advertise many discounts on its website, you might save by bundling your home and auto policies, insuring more than one car and avoiding accidents. Farmers also offers a telematics program called Signal that might save you money and help you learn safer driving skills.

Learn more: Farmers Insurance review

American Family

American Family’s average premiums in Kansas are above the state average, but you might still want to get a quote from the company. The company offers a range of optional coverages that might help you get the coverage you need, like accidental death and dismemberment coverage, gap coverage and rental reimbursement coverage.

To keep your premium down, you may be able to utilize American Family’s discounts. The company offers standard discount options like savings for insuring multiple cars, buying multiple insurance products and having vehicle safety equipment. There are also more unique options, like the company’s KnowYourDrive discount, a young volunteer discount and a generational discount for children who spin off from their parents’ policies.

Learn more: American Family Insurance review

Affordable coverage for Kansas drivers

To drive legally in Kansas, you must carry at least the following state-mandated coverages and limits:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage
  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident.

Kansas is a no-fault state and requires drivers to carry personal injury coverage (PIP). The following limits of PIP are required:

  • $4,500 per person for medical expenses
  • $900 per month for one year for loss of income or disability
  • $25 per day for in-home services
  • $2,000 for funeral, burial or cremation services
  • $4,500 for rehabilitation expenses
  • Survivor benefits: $900 per month for one year for loss of income or disability
  • In-home services for $25 per day for one year

Drivers who purchase the state minimum required coverage often pay the lowest rates. However, minimum coverage could leave you with hefty out-of-pocket expenses if you cause an accident where the damages or injuries exceed your insurance limits. Most insurance professionals recommend that you purchase higher limits to gain more financial protection.

Minimum coverage also does not provide any coverage for damage to your own car. For that, you will need full coverage. You may be required to carry full coverage if you have a loan or lease on your vehicle.

How to get cheap car insurance in Kansas

In addition to choosing a cheap insurance company, there are several other ways that Kansas drivers can get affordable insurance. Some suggestions include:

  • Identify your needs: Do a bit of research into insurance companies in your area. Identifying what you are looking for in a company may help you identify which carriers could fit your needs.
  • Compare quotes: Get quotes from several insurance companies that fit your needs and compare them side-by-side. That is one of the best ways to figure out which insurance provider can offer you the lowest rate for the amount of coverage you need.
  • Look for discounts: Look for insurance companies that have several discounts you can take advantage of. Some discounts will impact your premium more than others.
  • Raise your credit score: Insurance companies typically look at your credit score to determine your premium. If you can raise your credit score, you might get a lower rate.
  • Increase your deductibles: If you have full coverage, your policy has two deductibles: one for collision and one for comprehensive. If you increase one or both of these, you will have to pay more out of pocket if you file a claim for damage to your own vehicle, but you may lower your premium. Just be sure to choose a level that makes sense for your finances, in case you do have to file a claim.

If you are not sure how much insurance you need or what discounts might work best for your situation, working with an agent might be helpful.

Frequently asked questions

What is the best car insurance in Kansas?

Drivers in Kansas have a variety of options when it comes to car insurance, but the best car insurance in Kansas varies based on your needs and individual rating factors, like your credit score, age, driving record, the type of car you drive. Getting quotes from several companies might help you find the option that best fits your situation.

What is the average cost of car insurance in the U.S.?

The average cost of car insurance in the United States is $1,674 per year for a full coverage policy and $565 for minimum coverage. The average cost of full coverage insurance in Kansas, which is $1,698 per year, is just slightly higher than the national rate. Minimum coverage in Kansas costs $410 per year, quite a bit less than the national average. However, every driver pays a different rate based on individual rating factors.

How do I get an insurance quote?

Many car insurance companies offer an online quote tool, where you will be prompted to submit some basic information about you and your vehicle and get an instant rate estimate. You can also call an agent to get a quote or visit a local agency. You will need your address, as well as the name, date of birth and driver’s license number for each driver you need to insure. You will also need the vehicle identification number (VIN) of each vehicle you want a quote for. Some companies can give quotes without VINs, but since the VIN includes your vehicle’s specific model information, it can make quotes more accurate.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cate Deventer
Insurance Editor
Cate Deventer is a writer, editor and insurance professional. She is currently pursuing a Bachelor’s degree in English with a concentration in professional and technical writing from Indiana University East. She began writing for Bankrate in January 2021 and has nearly a decade of experience in the insurance industry as a licensed insurance agent. Cate has worked with over a dozen insurance companies and is experienced with auto, home, flood, umbrella and life insurance.