Best & Cheapest Car Insurance Quotes in Kansas (2026)
Travelers has the cheapest full coverage insurance rates in Kansas, at $154 per month. That's one-third less than the state average.
Find Cheap Auto Insurance Quotes in Kansas
Best cheap car insurance in Kansas
Best and cheapest car insurance in Kansas
- Cheapest full coverage: Travelers, $154/mo
- Cheapest minimum liability: Geico, $45/mo
- Cheapest for young drivers: Travelers, $109/mo
- Cheapest after a ticket: State Farm, $193/mo
- Cheapest after an accident: State Farm, $205/mo
- Cheapest for teens after a ticket: Travelers, $133/mo
- Cheapest after a DUI: Travelers, $223/mo
- Cheapest for poor credit: Geico, $230/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of affordable rates and reliable customer service in Kansas.
Travelers and Geico are cheaper for many people than State Farm. However, both companies have worse customer service reviews than State Farm. State Farm may be worth the extra money, because it will likely get your life back to normal faster after an accident.
Cheapest car insurance in Kansas: Travelers
Travelers and USAA offer the cheapest full coverage car insurance in Kansas.
Compare Car Insurance Rates in Kansas
- Travelers has the cheapest quotes for most Kansas drivers, at $154 per month. That's $71 per month cheaper than the Kansas state average. However, Travelers' poor customer service reviews mean it's not the best choice for everyone.
- State Farm offers the best combination of affordable rates and dependable customer service in Kansas. At $183 per month, full coverage from State Farm is $42 per month cheaper than average.
- USAA has the cheapest overall rates in Kansas, at just $101 per month for full coverage. However, you can only get USAA insurance if you have served in the military, or if your parent or spouse has had insurance from USAA at some point in their lives.
Best cheap full coverage car insurance in Kansas
Company | Monthly rate | |
|---|---|---|
| Travelers | $154 |
| Geico | $161 |
| State Farm | $183 |
| Shelter | $201 |
| Progressive | $227 |
*USAA is only available to current and former military members and their families.
Data-powered research on Kansas car insurance
| Data-powered research on KS car insurance |
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Cheapest liability car insurance in Kansas: Geico and Travelers
Geico and Travelers have the cheapest liability-only insurance in Kansas.
Minimum liability coverage costs just $45 per month at both companies. That's $27 per month cheaper than average in Kansas.
Kansas drivers should also compare quotes from State Farm and Farm Bureau. Both companies offer cheaper-than-than-average rates, and they're two of the best-rated car insurance companies in Kansas.
Best cheap liability car insurance quotes in Kansas
Company | Monthly rate |
|---|---|
| Geico | $45 |
| Travelers | $45 |
| State Farm | $53 |
| Farm Bureau | $68 |
| Progressive | $71 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Kansas
Older drivers looking to save on their car insurance rates should consider a defensive driving course. You could earn a discount of between 5% and 15% on your car insurance rates in Kansas for completing a class.
Cheap auto insurance in Kansas for teens: Travelers
Travelers has the cheapest car insurance for young drivers in Kansas.
Minimum liability coverage from Travelers costs $109 per month for an 18-year-old driver in Kansas. That's less than half the Kansas average of $228 per month. It's also $55 per month less than the second-cheapest company, Geico.
Travelers also has the cheapest full coverage for most teens. At $350 per month, Travelers is $310 per month cheaper than the state average and $230 per month cheaper than Geico.
Cheapest Kansas auto insurance quotes for teens
Company | Liability only | Full coverage _ Travelers | $109 | $350 _ Geico | $164 | $580 _ Farm Bureau | $177 | $686 _ State Farm | $179 | $512 _ Shelter | $183 | $508 _ Progressive | $266 | $983 _ Farmers | $317 | $746 _ Allstate | $337 | $864 _ Nationwide | $480 | $1,134 _ USAA | $70 | $231 _Kansas teens pay about three times more for car insurance as older drivers. That's because young drivers have less experience behind the wheel, which makes them more likely to cause an accident.
The best way for young drivers in Kansas to save money is by sharing a car insurance policy with their parents. You can also save on your auto policy by bundling your home or renters coverage.
Cheapest KS auto insurance after a speeding ticket: State Farm
State Farm has the cheapest rates for Kansas drivers with a recent speeding ticket, at $193 per month for full coverage. That's about one-third cheaper than the state average after a ticket, which is $283 per month.
Travelers also has affordable rates after a ticket, at $197 per month. But State Farm's superior customer service makes it a better choice for most people.
Best cheap car insurance rates in Kansas after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $193 |
| Travelers | $197 |
| Geico | $208 |
| Shelter | $231 |
| Progressive | $287 |
*USAA is only available to current and former military members and their families.
Auto insurance quotes in Kansas go up by an average of 26% after one speeding ticket. So drivers with a speeding ticket in Kansas pay around $58 more per month for full coverage than those with a clean record.
Cheapest quotes after an accident in Kansas: State Farm
State Farm has the cheapest rates for drivers in Kansas after they cause an accident. At around $205 per month, full coverage from State Farm is $130 per month cheaper than average.
Cheap insurance in Kansas after a crash
Company | Monthly rate |
|---|---|
| State Farm | $205 |
| Travelers | $212 |
| Shelter | $254 |
| Geico | $310 |
| Progressive | $325 |
*USAA is only available to current and former military members and their families.
The average cost of full coverage auto insurance goes up by $110 per month after an at-fault accident in Kansas. That's an increase of 49%.
Cheapest for KS teens with a speeding ticket or accident: Travelers
Travelers has the cheapest auto insurance quotes in Kansas for teen drivers with a speeding ticket or accident on their record.
After one speeding ticket, minimum liability insurance from Travelers costs around $133 for an 18-year-old. That's half the Kansas average for teens with a ticket. It's also $58 per month less than the second-cheapest company, Geico.
Travelers also has the cheapest quotes after an accident, at $155 per month for minimum liability coverage. That's also half the statewide average.
Teen drivers in Kansas should also compare quotes from USAA. However, you can only get insurance from USAA if you're in the military, a veteran or have a family member who had a USAA policy at some point.
Cheap liability insurance in Kansas for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $133 | $155 |
| Geico | $191 | $214 |
| State Farm | $193 | $212 |
| Shelter | $222 | $264 |
| Farm Bureau | $231 | $239 |
*USAA is only available to current and former military members and their families.
Young drivers in Kansas can expect their car insurance rates to go up by around 18% after their first speeding ticket, and 36% after an accident.
Cheapest auto insurance rates in Kansas after a DUI: Travelers
Travelers has the most affordable quotes in Kansas for drivers with a DUI. A full coverage policy from Travelers costs $223 per month after a DUI, which is almost half the state average.
Most affordable auto insurance in KS after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $223 |
| Progressive | $254 |
| Shelter | $292 |
| State Farm | $356 |
| Allstate | $372 |
*USAA is only available to current and former military members and their families.
In Kansas, a DUI will raise your auto insurance rates by an average of 87%. That's $196 per month more than drivers with a clean record pay for full coverage insurance.
Kansas drivers may also need an SR-22 filing after a DUI, which typically costs between $15 and $50.
Best auto insurance in Kansas for poor credit: Geico
Geico has the most affordable quotes for Kansas drivers with poor credit. Full coverage from Geico costs $230 per month for people with a bad credit score. That's nearly half the Kansas state average of $440 per month.
Cheapest insurance in Kansas for poor credit
Company | Monthly rate |
|---|---|
| Geico | $230 |
| Travelers | $257 |
| Shelter | $369 |
| Progressive | $384 |
| Nationwide | $428 |
*USAA is only available to current and former military members and their families.
In Kansas, drivers with bad credit pay almost twice as much for full coverage insurance as those with good credit. That's because car insurance companies believe people with low credit scores are more likely to make a claim in the future.
Best car insurance in Kansas
The best insurance companies in Kansas are USAA, State Farm and Farm Bureau, based on their reliable customer service and affordable rates.
USAA has the best customer service scores in Kansas, along with the cheapest quotes overall. However, it's only available to people who have served in the military and their families.
State Farm and Farm Bureau are great options, too, and both are available to all Kansas drivers.
Best Kansas auto insurance
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Shelter | 669 | A | |
| Nationwide | 645 | A |
Average car insurance cost in Kansas by city
Salina, a city in central Kansas, has the cheapest car insurance rates in the state.
Drivers in Salina pay an average of $199 per month for full coverage car insurance.
Almena, a small city near the Nebraska border, has the most expensive full coverage rates, at $259 per month.
Full coverage car insurance rates in Kansas by city
City | Monthly rate | % from average |
|---|---|---|
| Abbyville | $222 | -2% |
| Abilene | $217 | -4% |
| Admire | $211 | -6% |
| Agenda | $227 | 1% |
| Agra | $246 | 9% |
Auto insurance typically costs more in cities where accidents and auto theft are more common. Severe weather can also affect your car insurance rates. You may pay more if you're in an area that has frequent tornadoes, windstorms or hail.
For example, the average cost of car insurance in Kansas's largest city, Wichita, is $244 per month, which is 8% more expensive than the state average.
This is partially due to the city's dense population, which leads to more accidents. And Wichita is located in Sedgwick County, which has frequent tornadoes, windstorms and hail, which can all damage vehicles.
Minimum requirements for car insurance in Kansas
Kansas requires drivers to have a minimum amount of liability coverage, often written as 25/50/25, uninsured motorist coverage and personal injury protection to drive legally.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
-
Personal injury protection (PIP):
- $4,500 per person for medical expenses
- $900 per month for one year for loss of income
- $25 per day for in-home services
- $2,000 for funeral expenses
- $4,500 for rehab expenses
What's the best car insurance coverage for Kansas drivers?
Most drivers should consider getting a full coverage policy.
Full coverage provides the most protection because it includes comprehensive and collision coverages. These coverages pay for damage to your car due to a crash, hail, vandalism and other events, regardless of whose fault it is.
If you have a car loan or lease, your lender will likely require you to have full coverage insurance. You should also consider having comprehensive and collision coverages if your car is less than eight years old or is worth more than $5,000.
A minimum liability policy doesn't include any protection for your car. You'll have to pay for your own repairs if you cause a crash.
And, although Kansas has higher minimum requirements than many other states, minimum liability coverage may not be enough to fully cover the cost of a serious accident.
For example, if you hit and total a brand new SUV, it's unlikely that $25,000 of property damage liability coverage will be enough to fully cover the cost to replace it.
Frequently asked questions
Who has the cheapest auto insurance in Kansas?
Travelers has the cheapest full coverage insurance quotes in Kansas in 2026, at $154 per month. Geico has the most affordable minimum liability rates, at $45 per month.
How much is car insurance in Kansas per month?
The average cost of insurance in Kansas is $225 per month for a full coverage policy. The average cost for minimum liability coverage is $72 per month.
How much is auto insurance in Topeka, KS?
Full coverage car insurance in Topeka costs an average of $213 per month. That's 5% less than the Kansas state average. In comparison, car insurance in Kansas City, Kansas, costs around $253 per month, which is 13% higher than the state average.
Is insurance expensive in Kansas?Methodology
ValuePenguin collected thousands of rates from ZIP codes across Kansas for the largest insurance companies in the state. Quotes are for a 30-year-old single man with good credit who drives a 2018 Honda Civic EX.
Full coverage rates include comprehensive and collision coverage, along with higher liability limits than required in Kansas.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
