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Best Cheap Car Insurance in Kansas for 2020

Jan. 2, 2020
Auto Insurance, Insurance
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If you’re looking for cheap car insurance in Kansas, finding the best deal can be challenging. Rates for a single policy can vary by hundreds or even thousands of dollars from one insurer to the next, which is why comparing a variety of companies is key.

NerdWallet looked at rates from the 10 largest companies in Kansas to find the five cheapest options for several types of drivers.

Cheapest for good drivers in Kansas

When a Kansas driver has clean driving and credit histories, here are the cheapest companies and average rates for full coverage:

  1. Geico: $832 per year.
  2. American Family: $1,086 per year.
  3. Farm Bureau Financial Services: $1,235 per year.
  4. State Farm: $1,316 per year.
  5. Progressive: $1,385 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Kansas

For Kansas drivers who want only bare-bones coverage, the cheapest companies and average rates for minimum required insurance are:

  1. Geico: $223 per year.
  2. Farm Bureau Financial Services: $355 per year.
  3. American Family: $402 per year.
  4. State Farm: $405 per year.
  5. Safeco: $467 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get car insurance quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

Kansas drivers with poor credit and a clean driving record may want to get quotes from these insurers, which returned the cheapest average rates for full coverage:

  1. Geico: $1,130 per year.
  2. Safeco: $1,752 per year.
  3. American Family: $1,933 per year.
  4. Farm Bureau Financial Services: $2,222 per year.
  5. Shelter: $2,400 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

For a Kansas driver who’s at fault in a recent wreck, these are the cheapest insurance companies and average rates for full coverage:

  1. American Family: $1,288 per year.
  2. Geico: $1,519 per year.
  3. State Farm: $1,636 per year.
  4. Farm Bureau Financial Services: $1,880 per year.
  5. Progressive: $2,113 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation — and you still may be rejected for coverage from certain companies, including those above. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Kansas

For a Kansas driver with a recent on-record DUI, the cheapest insurers and average rates for full coverage are:

  1. American Family: $1,086 per year.
  2. Progressive: $1,566 per year.
  3. State Farm: $1,851 per year.
  4. Allstate: $2,046 per year.
  5. Farmers: $2,588 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Be warned that you may be rejected for coverage, including from the companies listed above. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best available price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Kansas

When a Kansas driver’s record includes a recent speeding ticket, these are the cheapest insurers and average rates for full coverage:

  1. Geico: $1,020 per year.
  2. American Family: $1,086 per year.
  3. State Farm: $1,510 per year.
  4. Farm Bureau Financial Services: $1,557 per year.
  5. Allstate: $1,740 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Kansas

When you add a second car or another driver to your insurance policy, you probably won’t double your costs — but you may want to take another look at your options. Each insurer has its own formula for setting prices, so the company that’s cheapest for a single driver may not have the lowest rates for a couple or family. Here’s what we found for policies with two vehicles and two or three drivers in Kansas.

Cheapest for a married couple in Kansas

For a Kansas husband and wife, each 50 years old, these are the cheapest insurance companies and average rates we found for full coverage on two vehicles, assuming clean driving and credit records:

  1. Geico: $1,330 per year.
  2. American Family: $1,663 per year.
  3. Farm Bureau Financial Services: $1,718 per year.
  4. Progressive: $1,730 per year.
  5. Allstate: $1,865 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Kansas

For a 50-year-old couple in Kansas plus an 18-year-old driver, the cheapest insurers and average rates for two vehicles with full coverage are:

  1. Geico: $2,218 per year.
  2. American Family: $2,611 per year.
  3. Farm Bureau Financial Services: $2,848 per year.
  4. Progressive: $3,069 per year.
  5. Allstate: $3,262 per year.
Adding a teen with two years’ driving experience to a married couple's policy is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers.

Cheapest for young drivers in Kansas

For people in their 20s, hitting the highway can be pricey. Compared to people with more experience on the road, young drivers are likely to pay quite a bit more for car insurance. But companies aren’t all the same in how they consider factors like age and driving background, so prices can vary widely. We analyzed rates for 25-year-olds in Kansas to see who’s cheapest for young drivers.

Cheapest full coverage for young good drivers

For full coverage, these are the cheapest insurers and average rates for a 25-year-old Kansan with clean driving and credit records:

  1. American Family: $1,154 per year.
  2. Geico: $1,261 per year.
  3. Farm Bureau Financial Services: $1,357 per year.
  4. State Farm: $1,547 per year.
  5. Progressive: $1,562 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

If a young Kansas driver wants to stick with minimum required insurance, the cheapest options and average rates are:

  1. Geico: $373 per year.
  2. Farm Bureau Financial Services: $384 per year.
  3. Safeco: $415 per year.
  4. American Family: $422 per year.
  5. State Farm: $471 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

These are the cheapest insurance companies for a young driver in Kansas with poor credit and a good driving record, ranked by average rates:

  1. Safeco: $415 per year.
  2. Geico: $533 per year.
  3. Farm Bureau Financial Services: $684 per year.
  4. American Family: $813 per year.
  5. Progressive: $858 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

When a 25-year-old in Kansas has caused a recent accident, here are the cheapest insurance companies we found, along with their average rates:

  1. Geico: $605 per year.
  2. State Farm: $618 per year.
  3. Farm Bureau Financial Services: $620 per year.
  4. American Family: $624 per year.
  5. Safeco: $651 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. Depending on your situation, you may still be rejected for coverage, including from the companies listed above. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

For a young driver in Kansas with a recent DUI, the cheapest auto insurers and average rates are:

  1. American Family: $422 per year.
  2. Progressive: $588 per year.
  3. Safeco: $638 per year.
  4. State Farm: $735 per year.
  5. Allstate: $829 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. Depending on the circumstances, you may be rejected for coverage, including from the companies listed above. But spending the time to shop around for quotes can help you find the lowest price from a company available to you. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent DUI conviction. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

After a speeding ticket, the cheapest insurance companies and average rates for a 25-year-old Kansas driver are:

  1. American Family: $422 per year.
  2. Geico: $457 per year.
  3. Farm Bureau Financial Services: $499 per year.
  4. State Farm: $549 per year.
  5. Safeco: $565 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point, it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — you’re likely to get a good rate with USAA, an option that isn’t available to the general public. For that reason, we don’t rank it against the others, but USAA was the cheapest auto insurance option for half of the driver types above.

» MORE: Best car insurance for veterans and military

Recap: Cheapest car insurance in Kansas

  • Good drivers: Geico
  • Minimum coverage: Geico
  • Poor credit: Geico
  • After an at-fault crash: American Family
  • After a DUI: American Family
  • After a speeding ticket: Geico
  • Married couples: Geico
  • Families with a teen: Geico
  • Young good drivers: American Family
  • Minimum coverage for young good drivers: Geico
  • Minimum coverage for young drivers with poor credit: Safeco
  • Minimum coverage for young drivers after a crash: Geico
  • Minimum coverage for young drivers after a DUI: American Family
  • Minimum coverage for young drivers after a ticket: American Family

» MORE: Compare car insurance

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.
    • Survivors 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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

    • $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.
    If required, minimum additional coverages were added and "good driver" discounts were automatically applied. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. We used a 2016 Toyota Camry LE for all single 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 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 costing $10,000 in property damage.
    • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
    • For drivers with a DUI, we added a single drunken driving violation.
    Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

    In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.