Cheap Car Insurance in Kansas for April 2024

Shelter offers the cheapest car insurance in Kansas, with an average annual rate of $1,273 for full coverage.
Ben Moore
By Ben Moore 
Updated
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 $1,273 per year on average, or $106 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 $2,412 per year, or about $201 per month.

Minimum coverage in Kansas is $621 per year on average, but we found you can likely get a cheaper policy. For example, Farm Bureau Financial Services offers the cheapest rates in Kansas at $341 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Kansas

NerdWallet’s editorial team analyzed car insurance rates from 17 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. Auto-Owners: $3,285 per year, or about $274 per month.
  2. Farm Bureau Financial Services: $3,349 per year, or about $279 per month.
  3. Shelter: $3,635 per year, or about $303 per month.
  4. Farmers Union: $3,751 per year, or about $313 per month.
  5. American Family: $4,067 per year, or about $339 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. Farm Bureau Financial Services: $742 per year, or about $62 per month.
  2. Auto-Owners: $900 per year, or about $75 per month.
  3. Farmers Union: $937 per year, or about $78 per month.
  4. Travelers: $958 per year, or about $80 per month.
  5. Geico: $1,060 per year, or about $88 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. Travelers: $1,259 per year, or about $105 per month.
  2. Farm Bureau Financial Services: $1,309 per year, or about $109 per month.
  3. Geico: $1,368 per year, or about $114 per month.
  4. Dairyland: $1,534 per year, or about $128 per month.
  5. Progressive: $1,679 per year, or about $140 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. Farm Bureau Financial Services: $967 per year, or about $81 per month.
  2. Farmers Union: $1,200 per year, or about $100 per month.
  3. Travelers: $1,234 per year, or about $103 per month.
  4. Progressive: $1,241 per year, or about $103 per month.
  5. Geico: $1,300 per year, or about $108 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. Farm Bureau Financial Services: $1,202 per year, or about $100 per month.
  2. Farmers Union: $1,303 per year, or about $109 per month.
  3. Travelers: $1,308 per year, or about $109 per month.
  4. Progressive: $1,316 per year, or about $110 per month.
  5. Auto-Owners: $1,377 per year, or about $115 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: $1,181 per year, or about $98 per month.
  2. Dairyland: $1,448 per year, or about $121 per month.
  3. American Family: $1,480 per year, or about $123 per month.
  4. Farmers Union: $1,502 per year, or about $125 per month.
  5. Travelers: $1,633 per year, or about $136 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. Auto-Owners: $1,593 per year, or about $133 per month.
  2. Shelter: $1,600 per year, or about $133 per month.
  3. Farm Bureau Financial Services: $1,811 per year, or about $151 per month.
  4. Geico: $1,870 per year, or about $156 per month.
  5. Travelers: $1,902 per year, or about $159 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. Farm Bureau Financial Services: $342 per year, or about $29 per month.
  2. Auto-Owners: $394 per year, or about $33 per month.
  3. Geico: $426 per year, or about $36 per month.
  4. Travelers: $440 per year, or about $37 per month.
  5. State Farm: $444 per year, or about $37 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: $2,675 per year, or about $223 per month.
  2. Shelter: $3,053 per year, or about $254 per month.
  3. Farm Bureau Financial Services: $3,340 per year, or about $278 per month.
  4. Travelers: $3,390 per year, or about $282 per month.
  5. Nationwide: $3,547 per year, or about $296 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. Farm Bureau Financial Services: $444 per year, or about $37 per month.
  2. State Farm: $509 per year, or about $42 per month.
  3. Geico: $550 per year, or about $46 per month.
  4. Travelers: $612 per year, or about $51 per month.
  5. Shelter: $675 per year, or about $56 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. Auto-Owners: $2,214 per year, or about $185 per month.
  2. Travelers: $2,662 per year, or about $222 per month.
  3. Farm Bureau Financial Services: $2,738 per year, or about $228 per month.
  4. State Farm: $2,750 per year, or about $229 per month.
  5. American Family: $2,772 per year, or about $231 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. American Family: $2,558 per year, or about $213 per month.
  2. Progressive: $2,866 per year, or about $239 per month.
  3. State Farm: $3,040 per year, or about $253 per month.
  4. Travelers: $3,331 per year, or about $278 per month.
  5. Shelter: $3,788 per year, or about $316 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: $1,273 per year, or about $106 per month.
  2. Auto-Owners: $1,560 per year, or about $130 per month.
  3. Travelers: $1,730 per year, or about $144 per month.
  4. Farm Bureau Financial Services: $1,778 per year, or about $148 per month.
  5. Geico: $1,846 per year, or about $154 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. Farm Bureau Financial Services: $340 per year, or about $28 per month.
  2. Shelter: $397 per year, or about $33 per month.
  3. Auto-Owners: $406 per year, or about $34 per month.
  4. Geico: $418 per year, or about $35 per month.
  5. Travelers: $427 per year, or about $36 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: $2,448 per year, or about $204 per month.
  2. Geico: $2,640 per year, or about $220 per month.
  3. Travelers: $2,932 per year, or about $244 per month.
  4. Farm Bureau Financial Services: $3,377 per year, or about $281 per month.
  5. Nationwide: $3,384 per year, or about $282 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. Farm Bureau Financial Services: $441 per year, or about $37 per month.
  2. State Farm: $516 per year, or about $43 per month.
  3. Geico: $540 per year, or about $45 per month.
  4. Shelter: $586 per year, or about $49 per month.
  5. Travelers: $618 per year, or about $51 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. Auto-Owners: $2,174 per year, or about $181 per month.
  2. Travelers: $2,487 per year, or about $207 per month.
  3. State Farm: $2,646 per year, or about $221 per month.
  4. Shelter: $2,672 per year, or about $223 per month.
  5. Farm Bureau Financial Services: $2,687 per year, or about $224 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. American Family: $2,558 per year, or about $213 per month.
  2. Progressive: $2,607 per year, or about $217 per month.
  3. State Farm: $2,938 per year, or about $245 per month.
  4. Travelers: $3,126 per year, or about $260 per month.
  5. Shelter: $3,360 per year, or about $280 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: $1,051 per year, or about $88 per month.
  2. Geico: $1,308 per year, or about $109 per month.
  3. Auto-Owners: $1,479 per year, or about $123 per month.
  4. Farm Bureau Financial Services: $1,548 per year, or about $129 per month.
  5. Travelers: $1,593 per year, or about $133 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. Farm Bureau Financial Services: $296 per year, or about $25 per month.
  2. Geico: $322 per year, or about $27 per month.
  3. Shelter: $328 per year, or about $27 per month.
  4. Auto-Owners: $392 per year, or about $33 per month.
  5. Travelers: $409 per year, or about $34 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. Geico: $1,871 per year, or about $156 per month.
  2. Shelter: $2,023 per year, or about $169 per month.
  3. Travelers: $2,656 per year, or about $221 per month.
  4. Farm Bureau Financial Services: $2,927 per year, or about $244 per month.
  5. Nationwide: $3,061 per year, or about $255 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. Farm Bureau Financial Services: $384 per year, or about $32 per month.
  2. Geico: $415 per year, or about $35 per month.
  3. Shelter: $484 per year, or about $40 per month.
  4. State Farm: $509 per year, or about $42 per month.
  5. Travelers: $607 per year, or about $51 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. Auto-Owners: $2,059 per year, or about $172 per month.
  2. Shelter: $2,208 per year, or about $184 per month.
  3. Farm Bureau Financial Services: $2,334 per year, or about $194 per month.
  4. Travelers: $2,392 per year, or about $199 per month.
  5. State Farm: $2,524 per year, or about $210 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. American Family: $2,346 per year, or about $196 per month.
  2. Progressive: $2,371 per year, or about $198 per month.
  3. Shelter: $2,775 per year, or about $231 per month.
  4. State Farm: $2,821 per year, or about $235 per month.
  5. Travelers: $2,935 per year, or about $245 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: $1,051 per year, or about $88 per month.
  2. Geico: $1,328 per year, or about $111 per month.
  3. Auto-Owners: $1,410 per year, or about $118 per month.
  4. Farm Bureau Financial Services: $1,485 per year, or about $124 per month.
  5. Travelers: $1,516 per year, or about $126 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. Farm Bureau Financial Services: $299 per year, or about $25 per month.
  2. Shelter: $328 per year, or about $27 per month.
  3. Geico: $331 per year, or about $28 per month.
  4. Auto-Owners: $398 per year, or about $33 per month.
  5. Travelers: $409 per year, or about $34 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. Geico: $1,900 per year, or about $158 per month.
  2. Shelter: $2,023 per year, or about $169 per month.
  3. Travelers: $2,535 per year, or about $211 per month.
  4. Nationwide: $2,750 per year, or about $229 per month.
  5. Farm Bureau Financial Services: $2,814 per year, or about $234 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. Farm Bureau Financial Services: $389 per year, or about $32 per month.
  2. Geico: $428 per year, or about $36 per month.
  3. State Farm: $473 per year, or about $39 per month.
  4. Shelter: $484 per year, or about $40 per month.
  5. Travelers: $626 per year, or about $52 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. Auto-Owners: $1,971 per year, or about $164 per month.
  2. Shelter: $2,208 per year, or about $184 per month.
  3. Farm Bureau Financial Services: $2,248 per year, or about $187 per month.
  4. State Farm: $2,317 per year, or about $193 per month.
  5. Travelers: $2,361 per year, or about $197 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. Progressive: $2,260 per year, or about $188 per month.
  2. American Family: $2,346 per year, or about $196 per month.
  3. State Farm: $2,594 per year, or about $216 per month.
  4. Shelter: $2,775 per year, or about $231 per month.
  5. Travelers: $2,925 per year, or about $244 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. Shelter: $1,139 per year, or about $95 per month.
  2. Farm Bureau Financial Services: $1,416 per year, or about $118 per month.
  3. Geico: $1,446 per year, or about $121 per month.
  4. Auto-Owners: $1,554 per year, or about $130 per month.
  5. Travelers: $1,581 per year, or about $132 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. Farm Bureau Financial Services: $323 per year, or about $27 per month.
  2. Shelter: $356 per year, or about $30 per month.
  3. Geico: $361 per year, or about $30 per month.
  4. State Farm: $444 per year, or about $37 per month.
  5. Travelers: $466 per year, or about $39 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. Geico: $2,068 per year, or about $172 per month.
  2. Shelter: $2,191 per year, or about $183 per month.
  3. Farm Bureau Financial Services: $2,699 per year, or about $225 per month.
  4. Nationwide: $2,756 per year, or about $230 per month.
  5. Travelers: $2,763 per year, or about $230 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. Farm Bureau Financial Services: $420 per year, or about $35 per month.
  2. Geico: $466 per year, or about $39 per month.
  3. State Farm: $509 per year, or about $42 per month.
  4. Shelter: $524 per year, or about $44 per month.
  5. Farmers Union: $738 per year, or about $62 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. Farm Bureau Financial Services: $2,160 per year, or about $180 per month.
  2. Auto-Owners: $2,212 per year, or about $184 per month.
  3. State Farm: $2,391 per year, or about $199 per month.
  4. Shelter: $2,394 per year, or about $200 per month.
  5. Travelers: $2,578 per year, or about $215 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. American Family: $2,457 per year, or about $205 per month.
  2. Progressive: $2,551 per year, or about $213 per month.
  3. State Farm: $2,690 per year, or about $224 per month.
  4. Shelter: $3,009 per year, or about $251 per month.
  5. Electric Insurance: $3,244 per year, or about $270 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 three auto insurance options for 58 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 2021 Toyota Camry LE 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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