The average Kansas driver pays $1,713 per year for full coverage car insurance and $371 per year for minimum coverage insurance. There are roughly 2,028,657 licensed drivers in the state of Kansas, and every driver with a registered vehicle is legally required to carry car insurance. Although the cost of insurance in Kansas is below average, there are ways that drivers can get a cheap car insurance policy.
The cheapest car insurance in Kansas
Drivers who are looking for the cheapest auto insurance in Kansas have several options. The table below includes the cheapest car insurance providers in Kansas and the average annual minimum coverage and full coverage premium.
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
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.
In Kansas, the average USAA policy costs $1,293 per year for full coverage insurance and $233 for minimum coverage insurance. USAA also offers a variety of discounts 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.
Auto-Owners offers comprehensive coverage and robust policy options for drivers in Kansas. In J.D. Power’s 2020 U.S. Auto Insurance Study, Auto-Owners was rated as the best car insurance provider for overall customer satisfaction in the Central Region, which includes Kansas.
In Kansas, the average full coverage policy from Auto-Owners costs $1,426 per year and the average minimum coverage policy costs $272 per year. Drivers can save money on their premium by bundling their policies, insuring multiple vehicles, signing up for paperless billing, having a safe car, being a good student and being claims-free.
State Farm is the largest car insurance company in the country, with 16.1% of the market share. Based on our research, State Farm is also the cheapest car insurance company in Kansas. The average driver pays $1,289 per year for full coverage insurance and $300 per year for minimum coverage insurance.
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 traditional discounts for being accident-free, being a good student, having a car with safety features, insuring multiple vehicles and bundling policies.
Farmers insurance offers fairly basic car insurance coverage, but the policies are cheaper than the statewide average. In Kansas, the average driver pays $1,532 for a full coverage policy from Farmers and $332 for a minimum coverage policy.
With Farmers, drivers can take advantage of savings for being a safe driver with a clean accident history, driving a car with common safety features and bundling insurance policies. Farmers also offers state-specific discounts, so interested drivers are encouraged to contact an agent to find out what additional discounts are available in Kansas.
Allstate is the most expensive car insurance company on our list, and for some drivers, the rates could be slightly above average. The average Kansas driver pays $1,757 per year for a full coverage policy from Allstate and $370 per year for a minimum coverage policy.
In addition to great coverage options, Allstate also offers good discounts. Kansas drivers can save money on their insurance by insuring a new car, being a good student, having a car with safety features, being a responsible payer, paying their premium in full and signing a policy at least one week before it becomes effective.
Affordable coverage for Kansas drivers
In Kansas, drivers must carry a minimum of 25/50/25 personal liability and uninsured/underinsured motorist liability insurance, which includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage per accident.
In addition, Kansas is a no-fault state, which means drivers are required to carry personal injury protection (PIP). In a no-fault state, a driver’s insurance company will pay for their medical expenses after an accident, regardless of which driver caused the accident. PIP insurance in Kansas also covers in-home care, lost wages, rehab expenses and burial costs.
Drivers who purchase the state minimum required coverage will pay the lowest rate. However, there is no guarantee that minimum coverage insurance will cover the full cost of an accident. If a driver causes an accident and their financial responsibility exceeds the policy’s coverage limit, they are responsible for paying the difference out-of-pocket.
How to get cheap car insurance in Kansas
Besides choosing a cheap insurance company, there are several other ways that Kansas drivers can get affordable insurance. Some suggestions include:
- Shop around: Spend a few days doing research into insurance companies in your area. Not all providers are created equal, so if you write down a list of criteria, it will be easy to identify the companies that meet your needs.
- Compare quotes: Get quotes from a few insurance companies and compare them side-by-side. That is the best way 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. The more discounts you qualify for, the lower your premium will be.
- Raise your credit score: Insurance companies will look at your credit score to determine your premium. If you can raise your credit score, you can get a lower rate.
- Increase the deductible: If you can afford a higher out-of-pocket deductible, consider raising the deductible to get a cheaper premium.
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 the driver’s credit score, driving record, the type of coverage they need and more. Some of the highest-rated insurance companies in Kansas are Allstate, Geico, Shelter and State Farm.
What is the average cost of car insurance in the U.S.?
The average cost of car insurance in the United States is $1,738 per year for a full coverage policy. The average cost of full coverage insurance in Kansas, which is $1,713 per year, is slightly below the national average rate. However, every driver pays a different rate based on factors like their ZIP code, age, credit score and claims history.
How do I get an insurance quote?
Most 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.
Bankrate utilizes Quadrant Information Services to analyze 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 cleaning 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.