Best Cheap Car Insurance in Kansas for 2017

Auto Insurance, Insurance

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 these types of Kansas drivers:

Good drivers

Young drivers

Drivers with one at-fault accident

Drivers with poor credit

Retired drivers

Drivers with a military connection

also in this article

Minimum car insurance requirements in Kansas

Alternative car insurance in Kansas

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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price

  • $839/year

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Price

  • $934/year

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price

  • $1,032/year

The average rate for good drivers among the three cheapest companies was $935 per year. American Family was the lowest overall, with a rate of $839 per year, or about $70 per month. Safe drivers typically have the most discount choices to help trim costs, so your rate may even be lower if you’re in this group. State Farm, in particular, advertises four discounts on its site for safe or accident-free driving.

Cheapest for young drivers

For drivers in their early 20s.


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price

  • $460/year

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price

  • $473/year

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Price

  • $536/year

Drivers in their early 20s should be able to find pretty cheap car insurance in Kansas because they tend to buy less coverage. We priced policies with the minimum legal coverage levels, and the three cheapest companies had rates under $45 a month. American Family and Farm Bureau were the cheapest in this group. Shopping around is still important for young drivers who want to avoid paying too much.

Cheapest for drivers with one at-fault accident


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price

  • $991/year

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price

  • $1,209/year

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Price

  • $1,502/year

Causing an accident can mean pricier car insurance rates. Because some insurers hike rates more than others after an at-fault accident, shopping around is important for drivers in this group. The rate from American Family, the cheapest insurer in Kansas for this group, is just $152 more per year than its rate for a good driver. The price from Travelers is $568 more for a driver with one at-fault accident than for a good driver.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


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price

  • $1,439/year

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Price

  • $1,496/year

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Price

  • $1,653/year

Although you might not associate your credit with car insurance, credit-based insurance scores are one of the factors companies can use in most states to help determine rates. In Kansas, drivers with poor credit pay more for car insurance than drivers who have caused an accident, according to our analysis. Comparing several estimates is key to avoiding sky-high rates.

Cheapest for retired drivers

For drivers in their mid- to late 60s.


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price

  • $650/year

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Price

  • $651/year

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price

  • $697/year

Retirees in Kansas can garner lower average rates than good drivers more than half their age. A big reason is that retired drivers are no longer commuting daily, which means lower rates. With prices topping $1,600 a year on the high end of our analysis, it’s clear that shopping around can pay off.

Cheapest for drivers with a military connection


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Get a quote USAA is 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. USAA was the cheapest auto insurance option for every driver type above, in many cases by a large amount. USAA customers also benefit from the insurer’s top-rated customer service.

Minimum car insurance requirements 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 guide to 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.     

Cheapest car insurance in Kansas

CategoryCheapest option
Good driversAmerican Family
Young driversAmerican Family
Drivers with one at-fault accidentAmerican Family
Drivers with poor creditAmerican Family
Retired driversAmerican Family
Drivers with a military connectionUSAA
For most categories, NerdWallet averaged rates for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $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 motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible
  • Personal injury protection 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.

We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than motorists in other groups. Our sample young driver was age 22 and carried the minimum required coverage levels. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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