Cheap Car Insurance in Kansas for 2023

Shelter offers the cheapest car insurance in Kansas, with an average monthly rate of $98 for full coverage.
Ben Moore
By Ben Moore 
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Kansas isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Kansas is Shelter at $1,182 per year on average, or $98 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Kansas. Meanwhile, the average cost of full coverage car insurance in Kansas is $2,290 per year, or about $191 per month.

Minimum coverage in Kansas is $631 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 $249 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Kansas

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Kansas and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Kansas where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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. American Family: $2,483 per year, or about $207 per month.

  2. State Farm: $2,560 per year, or about $213 per month.

  3. Auto-Owners: $2,703 per year, or about $225 per month.

  4. Travelers: $2,755 per year, or about $230 per month.

  5. Farm Bureau Financial Services: $2,854 per year, or about $238 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. State Farm: $644 per year, or about $54 per month.

  2. Travelers: $692 per year, or about $58 per month.

  3. Auto-Owners: $730 per year, or about $61 per month.

  4. Farm Bureau Financial Services: $801 per year, or about $67 per month.

  5. Geico: $810 per year, or about $68 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. Geico: $1,033 per year, or about $86 per month.

  2. Travelers: $1,115 per year, or about $93 per month.

  3. Nationwide: $1,281 per year, or about $107 per month.

  4. Progressive: $1,302 per year, or about $108 per month.

  5. Farm Bureau Financial Services: $1,406 per year, or about $117 per month.

Cheapest auto insurance in Kansas for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $739 per year, or about $62 per month.

  2. Travelers: $828 per year, or about $69 per month.

  3. Nationwide: $915 per year, or about $76 per month.

  4. Geico: $966 per year, or about $80 per month.

  5. Progressive: $976 per year, or about $81 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. State Farm: $831 per year, or about $69 per month.

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

  3. Travelers: $869 per year, or about $72 per month.

  4. Nationwide: $947 per year, or about $79 per month.

  5. Progressive: $1,041 per year, or about $87 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. Progressive: $934 per year, or about $78 per month.

  2. Travelers: $974 per year, or about $81 per month.

  3. State Farm: $978 per year, or about $82 per month.

  4. Nationwide: $1,110 per year, or about $92 per month.

  5. Dairyland: $1,130 per year, or about $94 per month.

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 who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. State Farm: $1,237 per year, or about $103 per month.

  2. Farm Bureau Financial Services: $1,400 per year, or about $117 per month.

  3. Shelter: $1,466 per year, or about $122 per month.

  4. Auto-Owners: $1,499 per year, or about $125 per month.

  5. Geico: $1,609 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: $251 per year, or about $21 per month.

  2. Auto-Owners: $309 per year, or about $26 per month.

  3. Farm Bureau Financial Services: $334 per year, or about $28 per month.

  4. Geico: $378 per year, or about $32 per month.

  5. Nationwide: $386 per year, or about $32 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. Geico: $2,350 per year, or about $196 per month.

  2. Farm Bureau Financial Services: $2,581 per year, or about $215 per month.

  3. Progressive: $2,776 per year, or about $231 per month.

  4. Shelter: $2,781 per year, or about $232 per month.

  5. Nationwide: $2,829 per year, or about $236 per month.

Cheapest auto insurance in Kansas for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $288 per year, or about $24 per month.

  2. Farm Bureau Financial Services: $435 per year, or about $36 per month.

  3. Nationwide: $458 per year, or about $38 per month.

  4. Geico: $477 per year, or about $40 per month.

  5. Travelers: $539 per year, or about $45 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: $1,500 per year, or about $125 per month.

  2. Auto-Owners: $1,777 per year, or about $148 per month.

  3. American Family: $2,122 per year, or about $177 per month.

  4. Farm Bureau Financial Services: $2,126 per year, or about $177 per month.

  5. Progressive: $2,341 per year, or about $195 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: $1,668 per year, or about $139 per month.

  2. Progressive: $1,909 per year, or about $159 per month.

  3. American Family: $2,063 per year, or about $172 per month.

  4. Dairyland: $2,448 per year, or about $204 per month.

  5. Travelers: $2,558 per year, or about $213 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. Shelter: $1,182 per year, or about $98 per month.

  2. State Farm: $1,189 per year, or about $99 per month.

  3. Farm Bureau Financial Services: $1,415 per year, or about $118 per month.

  4. Auto-Owners: $1,464 per year, or about $122 per month.

  5. Progressive: $1,491 per year, or about $124 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. State Farm: $254 per year, or about $21 per month.

  2. Auto-Owners: $319 per year, or about $27 per month.

  3. Farm Bureau Financial Services: $345 per year, or about $29 per month.

  4. Geico: $372 per year, or about $31 per month.

  5. Nationwide: $372 per year, or about $31 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. Shelter: $2,253 per year, or about $188 per month.

  2. Geico: $2,285 per year, or about $190 per month.

  3. Progressive: $2,510 per year, or about $209 per month.

  4. Travelers: $2,644 per year, or about $220 per month.

  5. Farm Bureau Financial Services: $2,691 per year, or about $224 per month.

Cheapest auto insurance in Kansas for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $291 per year, or about $24 per month.

  2. Nationwide: $444 per year, or about $37 per month.

  3. Farm Bureau Financial Services: $449 per year, or about $37 per month.

  4. Geico: $468 per year, or about $39 per month.

  5. Travelers: $536 per year, or about $45 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: $1,443 per year, or about $120 per month.

  2. Auto-Owners: $1,735 per year, or about $145 per month.

  3. American Family: $1,872 per year, or about $156 per month.

  4. Farm Bureau Financial Services: $2,152 per year, or about $179 per month.

  5. Progressive: $2,170 per year, or about $181 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. State Farm: $1,606 per year, or about $134 per month.

  2. Progressive: $1,739 per year, or about $145 per month.

  3. American Family: $1,828 per year, or about $152 per month.

  4. Dairyland: $2,267 per year, or about $189 per month.

  5. Travelers: $2,393 per year, or about $199 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 cheap auto 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. Shelter: $978 per year, or about $82 per month.

  2. State Farm: $1,131 per year, or about $94 per month.

  3. Farm Bureau Financial Services: $1,196 per year, or about $100 per month.

  4. Geico: $1,316 per year, or about $110 per month.

  5. Progressive: $1,348 per year, or about $112 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. State Farm: $250 per year, or about $21 per month.

  2. Farm Bureau Financial Services: $285 per year, or about $24 per month.

  3. Auto-Owners: $309 per year, or about $26 per month.

  4. Geico: $318 per year, or about $26 per month.

  5. Shelter: $324 per year, or about $27 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. Shelter: $1,863 per year, or about $155 per month.

  2. Geico: $1,928 per year, or about $161 per month.

  3. Progressive: $2,264 per year, or about $189 per month.

  4. Farm Bureau Financial Services: $2,265 per year, or about $189 per month.

  5. Nationwide: $2,456 per year, or about $205 per month.

Cheapest auto insurance in Kansas for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $288 per year, or about $24 per month.

  2. Farm Bureau Financial Services: $370 per year, or about $31 per month.

  3. Geico: $399 per year, or about $33 per month.

  4. Nationwide: $429 per year, or about $36 per month.

  5. Shelter: $478 per year, or about $40 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: $1,376 per year, or about $115 per month.

  2. Auto-Owners: $1,641 per year, or about $137 per month.

  3. American Family: $1,695 per year, or about $141 per month.

  4. Farm Bureau Financial Services: $1,812 per year, or about $151 per month.

  5. Shelter: $2,011 per year, or about $168 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. State Farm: $1,535 per year, or about $128 per month.

  2. Progressive: $1,585 per year, or about $132 per month.

  3. American Family: $1,656 per year, or about $138 per month.

  4. Dairyland: $2,091 per year, or about $174 per month.

  5. Travelers: $2,295 per year, or about $191 per month.

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 car 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. Shelter: $978 per year, or about $82 per month.

  2. State Farm: $1,035 per year, or about $86 per month.

  3. Farm Bureau Financial Services: $1,162 per year, or about $97 per month.

  4. Progressive: $1,289 per year, or about $107 per month.

  5. Auto-Owners: $1,303 per year, or about $109 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. State Farm: $232 per year, or about $19 per month.

  2. Farm Bureau Financial Services: $291 per year, or about $24 per month.

  3. Auto-Owners: $314 per year, or about $26 per month.

  4. Shelter: $324 per year, or about $27 per month.

  5. Geico: $326 per year, or about $27 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. Shelter: $1,863 per year, or about $155 per month.

  2. Geico: $1,945 per year, or about $162 per month.

  3. Progressive: $2,162 per year, or about $180 per month.

  4. Farm Bureau Financial Services: $2,206 per year, or about $184 per month.

  5. Nationwide: $2,213 per year, or about $184 per month.

Cheapest auto insurance in Kansas for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $267 per year, or about $22 per month.

  2. Farm Bureau Financial Services: $378 per year, or about $32 per month.

  3. Nationwide: $405 per year, or about $34 per month.

  4. Geico: $409 per year, or about $34 per month.

  5. Shelter: $478 per year, or about $40 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: $1,262 per year, or about $105 per month.

  2. Auto-Owners: $1,545 per year, or about $129 per month.

  3. American Family: $1,662 per year, or about $138 per month.

  4. Farm Bureau Financial Services: $1,768 per year, or about $147 per month.

  5. Travelers: $1,948 per year, or about $162 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. State Farm: $1,409 per year, or about $117 per month.

  2. Progressive: $1,522 per year, or about $127 per month.

  3. American Family: $1,615 per year, or about $135 per month.

  4. Dairyland: $1,933 per year, or about $161 per month.

  5. Travelers: $2,130 per year, or about $178 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Kansas for 70-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: $1,052 per year, or about $88 per month.

  2. Shelter: $1,059 per year, or about $88 per month.

  3. Farm Bureau Financial Services: $1,105 per year, or about $92 per month.

  4. Auto-Owners: $1,375 per year, or about $115 per month.

  5. Travelers: $1,383 per year, or about $115 per month.

Cheapest minimum coverage car insurance in Kansas for 70-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. State Farm: $250 per year, or about $21 per month.

  2. Farm Bureau Financial Services: $322 per year, or about $27 per month.

  3. Nationwide: $348 per year, or about $29 per month.

  4. Shelter: $351 per year, or about $29 per month.

  5. Geico: $359 per year, or about $30 per month.

Cheapest auto insurance in Kansas for 70-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. Shelter: $2,019 per year, or about $168 per month.

  2. Farm Bureau Financial Services: $2,108 per year, or about $176 per month.

  3. Geico: $2,139 per year, or about $178 per month.

  4. Nationwide: $2,187 per year, or about $182 per month.

  5. Progressive: $2,371 per year, or about $198 per month.

Cheapest auto insurance in Kansas for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. State Farm: $287 per year, or about $24 per month.

  2. Farm Bureau Financial Services: $419 per year, or about $35 per month.

  3. Nationwide: $420 per year, or about $35 per month.

  4. Geico: $451 per year, or about $38 per month.

  5. Shelter: $519 per year, or about $43 per month.

Cheapest auto insurance in Kansas for 70-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: $1,290 per year, or about $108 per month.

  2. Auto-Owners: $1,626 per year, or about $136 per month.

  3. Farm Bureau Financial Services: $1,695 per year, or about $141 per month.

  4. American Family: $1,771 per year, or about $148 per month.

  5. Travelers: $2,067 per year, or about $172 per month.

Cheapest auto insurance in Kansas for 70-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. State Farm: $1,449 per year, or about $121 per month.

  2. American Family: $1,702 per year, or about $142 per month.

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

  4. Dairyland: $1,992 per year, or about $166 per month.

  5. Travelers: $2,261 per year, or about $188 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 five auto insurance options for 56 of the 70 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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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