The Cheapest Car Insurance in Kansas for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Kansas for a variety of ages and driving histories.
Dec 9, 2021

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Auto insurance is an important purchase, but finding cheap car insurance in Kansas isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Kansas is $1,840 per year, or about $153 per month, according to NerdWallet’s analysis. Minimum coverage in Kansas is $482 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Kansas at $317 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Get started on Insure.com

Cheapest car insurance company overall in Kansas

$105/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

$26/month

5.0

NerdWallet rating 

Cheapest for young drivers

$201/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

$105/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Kansas

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in Kansas and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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:

  1. State Farm: $2,408 per year, or about $201 per month.

  2. Farmers Union: $2,426 per year, or about $202 per month.

  3. Farmers: $2,697 per year, or about $225 per month.

  4. Farm Bureau Financial Services: $2,864 per year, or about $239 per month.

  5. Auto-Owners: $2,876 per year, or about $240 per month.

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:

  1. Farmers Union: $707 per year, or about $59 per month.

  2. State Farm: $715 per year, or about $60 per month.

  3. Electric Insurance: $755 per year, or about $63 per month.

  4. Auto-Owners: $858 per year, or about $72 per month.

  5. Farm Bureau Financial Services: $858 per year, or about $72 per month.

Cheapest auto 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:

  1. Dairyland: $1,208 per year, or about $101 per month.

  2. Allstate: $1,304 per year, or about $109 per month.

  3. Farmers Union: $1,343 per year, or about $112 per month.

  4. Farm Bureau Financial Services: $1,457 per year, or about $121 per month.

  5. Shelter: $1,494 per year, or about $124 per month.

Cheapest auto 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:

  1. Electric Insurance: $829 per year, or about $69 per month.

  2. Farmers Union: $925 per year, or about $77 per month.

  3. State Farm: $939 per year, or about $78 per month.

  4. Dairyland: $1,091 per year, or about $91 per month.

  5. Progressive: $1,137 per year, or about $95 per month.

Cheapest auto 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.

  1. Electric Insurance: $819 per year, or about $68 per month.

  2. Dairyland: $940 per year, or about $78 per month.

  3. Progressive: $993 per year, or about $83 per month.

  4. Farmers Union: $1,069 per year, or about $89 per month.

  5. State Farm: $1,115 per year, or about $93 per month.

with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Get started on Insure.com

Cheapest 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 with clean driving records may get the lowest rates from these companies:

  1. State Farm: $1,284 per year, or about $107 per month.

  2. Farmers: $1,382 per year, or about $115 per month.

  3. Farm Bureau Financial Services: $1,420 per year, or about $118 per month.

  4. Auto-Owners: $1,583 per year, or about $132 per month.

  5. Encompass: $1,610 per year, or about $134 per month.

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:

  1. State Farm: $320 per year, or about $27 per month.

  2. Auto-Owners: $353 per year, or about $29 per month.

  3. Electric Insurance: $354 per year, or about $30 per month.

  4. Farm Bureau Financial Services: $358 per year, or about $30 per month.

  5. Progressive: $461 per year, or about $38 per month.

Cheapest auto 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 full coverage:

  1. Farmers: $2,135 per year, or about $178 per month.

  2. Encompass: $2,179 per year, or about $182 per month.

  3. Farm Bureau Financial Services: $2,517 per year, or about $210 per month.

  4. State Farm: $2,821 per year, or about $235 per month.

  5. Progressive: $2,931 per year, or about $244 per month.

Cheapest auto 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 full coverage:

  1. State Farm: $1,579 per year, or about $132 per month.

  2. Farmers: $1,920 per year, or about $160 per month.

  3. Farm Bureau Financial Services: $2,153 per year, or about $179 per month.

  4. Auto-Owners: $2,174 per year, or about $181 per month.

  5. Electric Insurance: $2,183 per year, or about $182 per month.

Cheapest auto 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 full coverage.

  1. State Farm: $1,767 per year, or about $147 per month.

  2. Farmers: $1,805 per year, or about $150 per month.

  3. Progressive: $1,834 per year, or about $153 per month.

  4. Dairyland: $2,151 per year, or about $179 per month.

  5. Electric Insurance: $2,179 per year, or about $182 per month.

Cheapest 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:

  1. State Farm: $1,244 per year, or about $104 per month.

  2. Farmers: $1,341 per year, or about $112 per month.

  3. Farm Bureau Financial Services: $1,434 per year, or about $120 per month.

  4. Progressive: $1,531 per year, or about $128 per month.

  5. Auto-Owners: $1,574 per year, or about $131 per month.

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:

  1. Electric Insurance: $322 per year, or about $27 per month.

  2. State Farm: $322 per year, or about $27 per month.

  3. Farm Bureau Financial Services: $369 per year, or about $31 per month.

  4. Auto-Owners: $371 per year, or about $31 per month.

  5. Progressive: $436 per year, or about $36 per month.

Cheapest auto 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 full coverage:

  1. Farmers: $2,085 per year, or about $174 per month.

  2. Encompass: $2,179 per year, or about $182 per month.

  3. Shelter: $2,410 per year, or about $201 per month.

  4. Farm Bureau Financial Services: $2,623 per year, or about $219 per month.

  5. Progressive: $2,647 per year, or about $221 per month.

Cheapest auto 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 full coverage:

  1. State Farm: $1,533 per year, or about $128 per month.

  2. Farmers: $1,888 per year, or about $157 per month.

  3. Electric Insurance: $2,101 per year, or about $175 per month.

  4. Auto-Owners: $2,168 per year, or about $181 per month.

  5. Farm Bureau Financial Services: $2,178 per year, or about $182 per month.

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

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

  1. Progressive: $1,660 per year, or about $138 per month.

  2. State Farm: $1,719 per year, or about $143 per month.

  3. Farmers: $1,772 per year, or about $148 per month.

  4. Dairyland: $1,990 per year, or about $166 per month.

  5. Electric Insurance: $2,115 per year, or about $176 per month.

Cheapest 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 the best cheap car 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:

  1. State Farm: $1,193 per year, or about $99 per month.

  2. Farmers: $1,210 per year, or about $101 per month.

  3. Farm Bureau Financial Services: $1,215 per year, or about $101 per month.

  4. Progressive: $1,361 per year, or about $113 per month.

  5. Farmers Union: $1,408 per year, or about $117 per month.

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:

  1. Electric Insurance: $300 per year, or about $25 per month.

  2. Farm Bureau Financial Services: $304 per year, or about $25 per month.

  3. State Farm: $320 per year, or about $27 per month.

  4. Auto-Owners: $345 per year, or about $29 per month.

  5. Farmers Union: $380 per year, or about $32 per month.

Cheapest auto 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 full coverage:

  1. Farmers: $1,884 per year, or about $157 per month.

  2. Shelter: $1,967 per year, or about $164 per month.

  3. Encompass: $1,972 per year, or about $164 per month.

  4. Farm Bureau Financial Services: $2,212 per year, or about $184 per month.

  5. Progressive: $2,353 per year, or about $196 per month.

Cheapest auto 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 full coverage rates:

  1. State Farm: $1,473 per year, or about $123 per month.

  2. Farmers: $1,775 per year, or about $148 per month.

  3. Farm Bureau Financial Services: $1,838 per year, or about $153 per month.

  4. Electric Insurance: $1,888 per year, or about $157 per month.

  5. Auto-Owners: $2,007 per year, or about $167 per month.

Cheapest auto 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 full coverage.

  1. Progressive: $1,496 per year, or about $125 per month.

  2. State Farm: $1,658 per year, or about $138 per month.

  3. Farmers: $1,670 per year, or about $139 per month.

  4. Dairyland: $1,830 per year, or about $152 per month.

  5. Electric Insurance: $1,908 per year, or about $159 per month.

with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Get started on Insure.com

Cheapest 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 auto 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:

  1. State Farm: $1,108 per year, or about $92 per month.

  2. Farmers: $1,121 per year, or about $93 per month.

  3. Farm Bureau Financial Services: $1,178 per year, or about $98 per month.

  4. Progressive: $1,276 per year, or about $106 per month.

  5. Farmers Union: $1,314 per year, or about $110 per month.

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:

  1. Electric Insurance: $289 per year, or about $24 per month.

  2. State Farm: $304 per year, or about $25 per month.

  3. Farm Bureau Financial Services: $311 per year, or about $26 per month.

  4. Auto-Owners: $356 per year, or about $30 per month.

  5. Farmers Union: $365 per year, or about $30 per month.

Cheapest auto 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 full coverage:

  1. Farmers: $1,746 per year, or about $146 per month.

  2. Encompass: $1,893 per year, or about $158 per month.

  3. Shelter: $1,967 per year, or about $164 per month.

  4. Farm Bureau Financial Services: $2,151 per year, or about $179 per month.

  5. Progressive: $2,204 per year, or about $184 per month.

Cheapest auto 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 full coverage:

  1. State Farm: $1,375 per year, or about $115 per month.

  2. Farmers: $1,691 per year, or about $141 per month.

  3. Farm Bureau Financial Services: $1,789 per year, or about $149 per month.

  4. Electric Insurance: $1,793 per year, or about $149 per month.

  5. Auto-Owners: $1,919 per year, or about $160 per month.

Cheapest auto 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 full coverage.

  1. Progressive: $1,410 per year, or about $118 per month.

  2. State Farm: $1,546 per year, or about $129 per month.

  3. Farmers: $1,587 per year, or about $132 per month.

  4. Dairyland: $1,684 per year, or about $140 per month.

  5. Electric Insurance: $1,819 per year, or about $152 per month.

Cheapest car insurance for military families

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 29 of the 48 driver profiles we examined.

Minimum required auto insurance 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.