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Best Cheap Car Insurance in Kansas for 2021

May 26, 2021
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 22 companies in Kansas to find the five cheapest options for several types of drivers.

Cheapest for 20-year-old drivers in Kansas

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 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. Farmers Union: $2,331 per year.
  2. Farmers: $2,537 per year.
  3. State Farm: $2,555 per year.
  4. Auto-Owners: $2,624 per year.
  5. American Family: $2,729 per year.

Cheapest minimum coverage 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: $659 per year.
  2. Auto-Owners: $804 per year.
  3. State Farm: $824 per year.
  4. Farm Bureau Financial Services: $845 per year.
  5. Farmers: $865 per year.

Cheapest coverage for 20-year-olds with poor credit in Kansas

Drivers with poor credit in Kansas should look at the following insurers with the lowest average rates for minimum coverage:

  1. Farmers Union: $1,087 per year.
  2. Dairyland: $1,238 per year.
  3. Allstate: $1,282 per year.
  4. Farmers: $1,337 per year.
  5. Farm Bureau Financial Services: $1,433 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Kansas

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

  1. Farmers Union: $741 per year.
  2. State Farm: $1,084 per year.
  3. Dairyland: $1,116 per year.
  4. Progressive: $1,147 per year.
  5. Farmers: $1,154 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Kansas

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Farmers Union: $857 per year.
  2. American Family: $957 per year.
  3. Dairyland: $962 per year.
  4. Progressive: $1,013 per year.
  5. Farmers: $1,112 per year.

Cheapest for 30-year-old drivers in Kansas

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 in Kansas for 30-year-olds

Drivers in Kansas with clean driving records may get the lowest rates from these companies:

  1. Auto-Owners: $1,321 per year.
  2. Farmers: $1,328 per year.
  3. State Farm: $1,343 per year.
  4. Farm Bureau Financial Services: $1,368 per year.
  5. American Family: $1,609 per year.

Cheapest minimum coverage 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. Auto-Owners: $324 per year.
  2. Farm Bureau Financial Services: $352 per year.
  3. State Farm: $368 per year.
  4. Electric Insurance: $393 per year.
  5. Farmers: $396 per year.

Cheapest coverage for 30-year-olds with poor credit in Kansas

Drivers with poor credit in Kansas should consider the following companies with the lowest average rates for full coverage:

  1. Farmers: $2,051 per year.
  2. Encompass: $2,269 per year.
  3. Farm Bureau Financial Services: $2,426 per year.
  4. Auto-Owners: $2,473 per year.
  5. American Family: $2,504 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Kansas

For drivers in Kansas with a recent accident, here are the lowest average rate options for full coverage:

  1. State Farm: $1,663 per year.
  2. Farmers: $1,835 per year.
  3. Auto-Owners: $1,842 per year.
  4. American Family: $1,938 per year.
  5. Farmers Union: $1,939 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Kansas

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. American Family: $1,664 per year.
  2. Farmers: $1,722 per year.
  3. Progressive: $1,823 per year.
  4. State Farm: $1,874 per year.
  5. Dairyland: $2,038 per year.

Cheapest for 40-year-old drivers in Kansas

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 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. Farmers: $1,290 per year.
  2. State Farm: $1,303 per year.
  3. Auto-Owners: $1,324 per year.
  4. Farm Bureau Financial Services: $1,381 per year.
  5. Progressive: $1,522 per year.

Cheapest minimum coverage 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. Auto-Owners: $338 per year.
  2. Farm Bureau Financial Services: $363 per year.
  3. Electric Insurance: $367 per year.
  4. State Farm: $371 per year.
  5. Farmers: $404 per year.

Cheapest coverage for 40-year-olds with poor credit in Kansas

Drivers with poor credit in Kansas can check out the following insurers with the lowest average rates for full coverage:

  1. Farmers: $2,006 per year.
  2. Encompass: $2,269 per year.
  3. Shelter: $2,483 per year.
  4. American Family: $2,504 per year.
  5. Auto-Owners: $2,515 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Kansas

For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $1,616 per year.
  2. Farmers: $1,805 per year.
  3. Auto-Owners: $1,852 per year.
  4. Farmers Union: $1,856 per year.
  5. American Family: $1,938 per year.

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

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

  1. Progressive: $1,650 per year.
  2. American Family: $1,664 per year.
  3. Farmers: $1,690 per year.
  4. State Farm: $1,823 per year.
  5. Dairyland: $1,889 per year.

Cheapest for 50-year-old drivers in Kansas

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 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. Farmers: $1,169 per year.
  2. Farm Bureau Financial Services: $1,170 per year.
  3. Auto-Owners: $1,217 per year.
  4. State Farm: $1,253 per year.
  5. Farmers Union: $1,349 per year.

Cheapest minimum coverage 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. Farm Bureau Financial Services: $299 per year.
  2. Auto-Owners: $310 per year.
  3. Electric Insurance: $335 per year.
  4. Farmers Union: $351 per year.
  5. Farmers: $364 per year.

Cheapest coverage for 50-year-olds with poor credit in Kansas

Drivers with poor credit in Kansas can check with the following companies, which showed the lowest average rates for full coverage:

  1. Farmers: $1,820 per year.
  2. Shelter: $2,028 per year.
  3. Encompass: $2,059 per year.
  4. Farm Bureau Financial Services: $2,132 per year.
  5. American Family: $2,277 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Kansas

For drivers living in Kansas with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. State Farm: $1,558 per year.
  2. Farmers Union: $1,682 per year.
  3. Auto-Owners: $1,698 per year.
  4. Farmers: $1,699 per year.
  5. Farm Bureau Financial Services: $1,772 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Kansas

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: $1,488 per year.
  2. American Family: $1,521 per year.
  3. Farmers: $1,595 per year.
  4. Dairyland: $1,741 per year.
  5. State Farm: $1,763 per year.

Cheapest for 65-year-old drivers in Kansas

Although 65-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 mid-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 in Kansas for 65-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. Farm Bureau Financial Services: $1,119 per year.
  2. Farmers: $1,122 per year.
  3. State Farm: $1,145 per year.
  4. Auto-Owners: $1,199 per year.
  5. Farmers Union: $1,231 per year.

Cheapest minimum coverage in Kansas for 65-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. Farm Bureau Financial Services: $309 per year.
  2. Farmers Union: $343 per year.
  3. State Farm: $350 per year.
  4. Auto-Owners: $351 per year.
  5. Electric Insurance: $382 per year.

Cheapest coverage for 65-year-olds with poor credit in Kansas

Drivers with poor credit in Kansas can look at the following companies with the lowest average rates for full coverage:

  1. Farmers: $1,772 per year.
  2. Encompass: $1,864 per year.
  3. Shelter: $2,028 per year.
  4. Farm Bureau Financial Services: $2,047 per year.
  5. Farmers Union: $2,123 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Kansas

For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $1,429 per year.
  2. Farmers Union: $1,566 per year.
  3. Farmers: $1,685 per year.
  4. Auto-Owners: $1,697 per year.
  5. Farm Bureau Financial Services: $1,704 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Kansas

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $1,488 per year.
  2. American Family: $1,521 per year.
  3. Farmers: $1,592 per year.
  4. Dairyland: $1,601 per year.
  5. State Farm: $1,623 per year.

Cheapest 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 20 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 insurance estimates from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
    • We analyzed rates for drivers 20 to 80 years old in five-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 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.

    These are rates generated through Quadrant Information Services. Your own rates will be different.