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Best Cheap Car Insurance in Kansas for 2019

March 20, 2019
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 nine largest companies in Kansas to find the three cheapest options for several types of drivers.

Cheapest for good drivers

Travelers had the cheapest insurance quotes we found for good drivers with good credit in Kansas, at $81 per month, on average. American Family was second and State Farm came in third.

InsurerAverage price
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For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

For Kansans with blemished credit, American Family was the cheapest auto insurer in our analysis, at $146 per month, on average. Travelers and State Farm complete the list.

InsurerAverage price
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Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

American Family had the cheapest insurance rates we saw for Kansas drivers who have recently caused a wreck, at $101 per month, on average. State Farm and Travelers round out the cheapest three.

InsurerAverage price
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To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. 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 for low-mileage drivers

American Family returned the lowest average insurance prices for drivers who put few annual miles down, at $73 per month. State Farm and Travelers came in second and third, respectively.

InsurerAverage price
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Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Travelers had the lowest rates for minimum coverage auto insurance in Kansas, at $33 per month, on average. State Farm and American Family round out the list, with all three showing average rates within $20 annually of one another.

InsurerAverage price
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We calculated these numbers by averaging rates for 40-year-old good drivers 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.

Cheap for military families

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  • Available only to active military members, veterans and their 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 every driver type above.

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 (UMBI/UIMBI) and personal injury protection (PIP) 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 UMBI/UIMBI per person.
  • $50,000 UMBI/UIMBI per accident.
  • PIP including $4,500 in medical expenses, $2,000 for funeral, burial or cremation costs, up to $900 per month for disability or loss of income, $25 per day for in-home services and $4,500 for rehabilitation.

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.

To find the cheapest car insurance in Kansas for you, use NerdWallet’s car insurance comparison tool to see estimates.

Copy of Cheapest car insurance in Kansas

CategoryCheapest option
Good driversTravelers
Drivers with poor creditAmerican Family
Drivers with one at-fault accidentAmerican Family
Low-mileage driversAmerican Family
Minimum coverageTravelers
Drivers with a military connectionUSAA
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured/underinsured motorist bodily injury coverage per person.
  • $300,000 uninsured/underinsured motorist bodily injury coverage per crash.
  • Personal injury protection in state-required minimum amounts.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.