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It was Dorothy in the Wizard of Oz who said to her little dog, “Toto, I’ve a feeling we’re not in Kansas anymore.” Turns out it was all a dream and she never left Kansas.

In today’s Kansas, Dorothy would be residing in the 15th largest state by land mass and the 34th by population, at 2.9 million residents.

According to the latest information from the Department of Transportation’s Federal Highway Administration, Kansas has about 2.3 million residents over the age of 16. Of that group, a total of just over 2 million are licensed drivers. Those 2 million drivers each average more than 10,000 miles per year. The population is so spread out that Kansas has some multi-lane highways with 75 mph speed limits.The mean travel time for Kansans commuting to work is just under 20 minutes.

Dorothy and her cohort of female drivers in Kansas represent just over half of the state’s registered drivers at 50.5 percent while the men cruise along with a 49.5 percent share of the driving public.

When it comes to car insurance in Kansas, the U.S. News study found that by blending driver profiles, with demographic data, and factors like mileage, age of vehicle, and credit score taken into account, the average annual premium in our analysis in Kansas is about $80 cheaper than the national average of nine major car insurance companies. We will examine those companies below under the heading.

Kansas, also known as the “Sunflower State” and the “Wheat State,” sits in the middle of the United States and is bordered by Nebraska to the north; Missouri to the east; Oklahoma on its southern border; and Colorado way out west. 

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Cheapest Car Insurance Companies in Kansas

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Kansas

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. 

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35, and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Kansas?

See the Cheapest Car Insurance Companies

In the aggregate driver profile, the company with the highest average annual representative premium in Kansas is Allstate, at $1,747, followed by Farmers, at $1,587. The lowest average study rates come from USAA, at $807, followed by Travelers, at $1,022. The other five insurance companies in the study are tightly bunched on average annual representative premiums.

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Kansas has over 21,000 active duty military personnel at bases around the state, plus veterans and military family members who can take advantage of USAA's affordable rates (this insurer is only available to service members and their families). USAA is the only insurance company in the study that functions as a credit union.

Kansas Car Insurance Rates by Age

As consumers age and mature, their car insurance rates begin to plateau and decline. This study looks at how insurance costs are affected by age by using driver profiles with medium-level insurance coverage, a clean driving record, 12,000 miles driven annually, and good credit. The profiles include male and female drivers at ages 25, 35, and 60. The vehicles used in the study are from the 2015 model year: the Honda Civic, the Toyota RAV4, and the Ford F-150. By the way, Ford Motor Company produces the F-150 at its Kansas City Assembly Plant in nearby Claycomo, Mo.

In Kansas, the average study premiums for the male and female profiles run close to even, with the biggest gap showing up for the 25-year-old profiles (the male profiles pay about $55 more than the female profiles). Among the 35-year-old profiles, the male profiles pay on average a few dollars more. In the 60-year-old group, the male profiles pay roughly $30 more on an average annual basis.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,901.22

$1,837.88

$1,739.20

$1,779.06

$1,634.77

$1,590.14

American Family

$1,474.15

$1,306.96

$1,306.96

$1,306.96

$1,180.20

$1,180.20

Farmers

$1,900.74

$1,785.60

$1,544.11

$1,554.30

$1,403.94

$1,330.75

Geico

$1,092.26

$1,571.98

$1,000.35

$921.11

$924.31

$924.31

Nationwide

$1,302.61

$1,204.67

$1,037.27

$992.23

$944.40

$856.11

Progressive

$1,892.10

$1,754.08

$1,377.01

$1,451.50

$1,186.04

$1,131.60

State Farm

$1,415.11

$1,257.01

$1,145.16

$1,145.16

$1,013.97

$1,013.97

Travelers

$1,217.60

$1,031.05

$1,027.08

$1,007.67

$931.93

$916.29

USAA

$1,004.29

$957.78

$763.05

$746.57

$691.31

$680.02

Kansas Car Insurance Rates by Credit Score

Our study also looks at an important consumer credit metric: the credit score. As with auto loans and mortgages, the better your credit score, the better your pricing on annual payments on car insurance. 

This study examines driver profiles in three credit categories: good, fair, and poor credit. The driver profiles consisted of male and female drivers at the ages of 25, 35, and 60. Each profile used medium-level insurance coverage with a clean driving record and 12,000 miles a year. The vehicles in the profile are the Honda Civic, Toyota RAV4, and the Ford F-150 pickup, all from the 2015 model year.

A good credit rating in Kansas, on average, saves our driver profiles $200 a year on the representative rate for insurance compared to a fair credit rating. However, the difference in price between good and poor credit is stark, raising our study premiums by about $950 a year, to nearly $2,200.

Company

Good

Fair

Poor

Allstate

$1,747.05

$1,983.35

$2,616.85

American Family

$1,292.57

$1,560.96

$2,209.49

Farmers

$1,586.57

$1,784.57

$2,694.60

Geico

$1,072.39

$1,097.89

$2,079.53

Nationwide

$1,056.22

$1,190.85

$1,472.89

Progressive

$1,465.39

$1,845.00

$2,709.57

State Farm

$1,165.06

$1,502.12

$2,508.32

Travelers

$1,021.94

$1,219.38

$1,953.90

USAA

$807.17

$976.14

$1,517.03

Kansas Car Insurance Rates by Driving Record

Our study looks at the average results of a clean driving record in Kansas and how that compares to profiles with certain blemishes. The study examined male and female driver profiles aged 25, 35, and 60 with good credit, medium-level insurance coverage, and mileage at 12,000 a year. The vehicles used in the study are the 2015 model year versions of the Honda Civic, Toyota RAV4, and the Ford F-150.

According to the study, the average representative annual premium for a clean driving record in our sample is $1,246 a year. Add on a speeding ticket and the average jumps roughly $225. If that clean driving record was marred by an accident, the average annual rate jumps roughly $380, to more than $1,625. But the worst blemish on a driving record – and a household budget – results from a DUI, as the average annual study rate for car insurance in Kansas jumps $732, to just under $2,000.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,747.05

$1,916.19

$2,179.74

$2,226.20

American Family

$1,292.57

$1,292.58

$1,442.58

$1,292.58

Farmers

$1,586.57

$2,008.05

$2,177.66

$2,109.16

Geico

$1,072.39

$1,072.39

$1,551.44

$2,564.58

Nationwide

$1,056.22

$1,260.75

$1,388.42

$2,773.68

Progressive

$1,465.39

$1,847.40

$1,991.19

$1,672.82

State Farm

$1,165.06

$1,245.90

$1,326.75

$1,245.90

Travelers

$1,021.94

$1,680.34

$1,540.03

$2,119.97

USAA

$807.17

$904.56

$1,058.49

$1,800.66

Kansas Car Insurance Rates by Coverage Type

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how study rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

When trying to decide on the level of car insurance, our study’s results of the driver profiles in Kansas showed, on average, representative insurance premiums at the high level of coverage were around $1,266, or only about $40 more than the low level of coverage. However, that same high-level insurance coverage in Kansas is roughly $120 below the national average for the same coverage. Your level of coverage is worth considering when you weigh how much more you may be liable for in an accident if you only carry the bare minimum of coverage. An extra $5 per month now may save you thousands if you are liable in an accident later.

Company

Low

Medium

High

Allstate

$1,708.37

$1,747.05

$1,798.41

American Family

$1,242.55

$1,292.57

$1,153.21

Farmers

$1,541.48

$1,586.57

$1,643.78

Geico

$1,038.91

$1,072.39

$1,113.22

Nationwide

$1,197.81

$1,056.22

$1,035.06

Progressive

$1,407.20

$1,465.39

$1,557.75

State Farm

$1,116.75

$1,165.06

$1,201.70

Travelers

$983.04

$1,021.94

$1,056.42

USAA

$783.38

$807.17

$836.45

Kansas Car Insurance Rates by Annual Mileage

In our study’s look at annual mileage and its impact on the insurance rates of driver profiles of men and women ages 25, 35, and 60 driving a 2015 model year Honda Civic, Toyota RAV4, or a Ford F-150, we found that Kansas average representative rates are priced better than the national average.

Our research indicates that for the profile of Kansas drivers logging 6,000 miles a year, the annual study premium would be $1,210 per year, or about $70 below the national average. When analyzing driver profiles averaging 12,000 miles a year, the average pricing in Kansas is $1,246, according to our analysis, which is around $77 below the national average.

Company

6,000 miles annually

12,000 miles annually 

Allstate

$1,747.05

$1,747.05

American Family

$1,235.80

$1,292.57

Farmers

$1,586.57

$1,586.57

Geico

$968.95

$1,072.39

Nationwide

$1,056.22

$1,056.22

Progressive

$1,465.39

$1,465.39

State Farm

$1,055.53

$1,165.06

Travelers

$1,021.94

$1,021.94

USAA

$749.67

$807.17

Kansas Insurance Rates by City

We checked our study's driver profiles in some of Kansas' largest cities to find out how city of residence can affect insurance study rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

We discovered that car insurance is most expensive in Kansas City, at an average in our study of $1,427, followed by Wichita, the state capital and most populated city, at an average of $1,278. 

The least expensive city for car insurance was Salina, at an average of $1,089. Salina has a low cost of living and an unemployment rate below the national average, plus the median cost of a home is nearly $20,000 less than the rest of Kansas.

So, there you have it Kansas drivers. Given your state’s combination of urban and suburban areas along with vast stretches of rural communities with country roads and interstate highways, Kansas is among the states in the middle of the pack when it comes to the cost of car insurance compared to other states.

Which proves what Dorothy repeated over and over in the Wizard of Oz: There’s no place like home; there’s no place like home…

City

Average Rate

Wichita

$1,278.35

Overland Park

$1,156.03

Kansas City

$1,427.05

Olathe

$1,141.45

Topeka

$1,188.36

Lawrence

$1,153.81

Shawnee

$1,165.47

Lenexa

$1,164.95

Manhattan

$1,127.32

Salina

$1,088.55

Kansas Auto Insurance Minimum Coverage Requirements

According to the Kansas Insurance Department, state law mandates that every auto insurance policy sold in the state must have these minimum coverages:

  • Bodily Injury Liability: this coverage pays for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs. If you or your family are at fault in an auto accident, it also pays for the settlement of lawsuits and your legal expenses.
  • Property Damage Liability: pays when you or your family members damage other property in an accident. It pays for the repair, replacement, or cash value of the other owner’s property and for your legal expenses.
  • Personal Injury Protection (PIP or No-fault): pays for medical expenses, rehabilitation, funeral expenses, lost wages, and more for you and your passengers injured in an accident, regardless of who is at fault.
  • Uninsured/Underinsured Motorist Protection: pays you or your passengers for medical, rehabilitation, and funeral costs. It pays the settlements of lawsuits resulting from an accident caused by an uninsured or a hit-and-run motorist. It also protects you and your family as pedestrians or bicycle riders. 

The bare minimum coverages required for car insurance for Kansas drivers include:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage
  • $25,000 uninsured/underinsured motorist bodily injury coverage per person
  • $50,000 uninsured/underinsured motorist bodily injury coverage per accident
  • $4,500 personal injury protection per person

Beyond these required coverages in Kansas, drivers may also purchase collision coverage, which pays for the repair of your vehicle in a collision or rollover. You may also elect for comprehensive coverage, which pays for all other damage that's not caused by a collision (such as acts of nature, theft, or even riots).

Cheapest Car Insurance in Kansas

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Male Young Adult Drivers

Geico

Single Female Young Adult Drivers

Travelers

Married Adult Drivers

Geico

Male Senior Drivers

Geico

Female Senior Drivers

Nationwide

Drivers with Good Credit

Travelers

Drivers with Poor Credit

Nationwide

Drivers with a Clean Record

Travelers

Drivers with One Speeding Violation

Geico

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Travelers

Drivers with Low Coverage

Travelers

Drivers with High Coverage

Nationwide

Drivers with Used Cars

Travelers

Drivers with New Cars

Nationwide

To find which car insurance company offers the lowest rates in Kansas, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

While USAA has the lowest study rates across nearly every profile in Kansas, for the larger non-military population, the cheapest option varies from profile to profile. Geico has the cheapest representative premiums for low-mileage driver profiles, and with a speeding ticket on the record. State Farm is better with an accident or a DUI, however. Travelers has the most affordable representative rate for the profile with a good credit score, but Nationwide is the cheapest for the profile with poor credit.

Why Car Insurance Rates Vary in Kansas

The highest risk drivers pay the highest car insurance rates, regardless of state. Our study shows that inexperienced drivers, those in high risk areas, or those who have a history of poor driving or financial irresponsibility will pay the highest premiums. Older drivers with good credit history and good driving records pay lower rates because they are less likely to be involved in an accident.

The make and model of your vehicle is also a key factor in determining rates. If you have a new sporty, two-seater and live in the middle of a city, you will pay higher rates than the driver who lives in a rural or suburban area and drives a five-year-old four-door sedan back and forth to work everyday.

How to Get the Cheapest Car Insurance in Kansas

Most major insurers offer discounts on car insurance for those who bundle policies. Having more than one car on your policy or combining your car insurance with your homeowners or renters’ insurance can lower your rates. You can also often get discounts for younger drivers on your policy if they maintain a certain scholastic average and qualify for a good student discount. Read more about the cheapest car insurance companies for teens to find even more ways to save when you add a young driver to your policy.

The Kansas Insurance Department offers these tips for lowering your premium:

  • Shop around and compare prices.
  • Maintain a good driving record.
  • Take the highest deductible you can afford on collision and comprehensive coverage.
  • Consider carrying only liability coverage if your car's market value is less than $3,000.
  • Pay your premium well in advance of the due date since there is no grace period for auto insurance.
  • Review your policy periodically and update your coverage levels accordingly.

The Kansas Insurance Department urges consumers to ask your insurance agent if you are eligible for even more possible discounts than the insurance companies recommend, such as:

  • Two or more cars on a policy
  • Motor Vehicle Accident Prevention Course (companies required by law to offer this discount).
  • Driver Education Courses
  • Mature driver (between the ages of 50 and 65)
  • Airbags, anti-lock braking system and other safety equipment
  • Anti-theft devices
  • Low mileage
  • Carpooler
  • Clean driving record; accident free record
  • Auto/home insurance on the same policy or with the same company

Be sure to shop around when you're looking for a new car insurance policy. The best way to know you're getting the cheapest rate for the best coverage is to compare quotes from different companies.

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The most common way to lower your rates and keep them low is to be a good driver with a clean record. Some insurance companies offer discounts if your driving record remains spotless for six months or more. Once you have an accident or citation or a DUI, rates usually go up significantly. 

Important Laws Around Auto Insurance in Kansas

Kansas is a no-fault car insurance state, meaning your insurance carrier will pay for your injuries or damage to your car up to a specified limit, regardless of who caused the accident. Under a no-fault system, drivers lose some of their rights to sue for damages.

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Failure to carry a minimum amount of car insurance in Kansas can result in severe penalties that could include fines and jail time. Driving without car insurance in Kansas is a Class B misdemeanor that carries a first offense penalty of up to $1,000 or six months in jail. A second citation for driving without insurance would carry a $2,500 fine if it happens within three years of the first conviction, and the driver would lose their vehicle registration and license. That same driver would have to pay certain fees to have the registration and driver’s license reinstated.

Kansas Driving Laws and Punishments

Kansas encourages drivers to stay current on laws regarding driving and car insurance. Driving laws recently enacted in Kansas:

  • Bans texting while driving for all drivers.
  • Bans all cell phone use (hand-held or hands-free) for student drivers.
  • Speed limits have increased to 75 mph on some multi-lane highways.
  • Drivers will lose their license for the conviction of three or more moving violations in a 12-month time frame.
  • All car accidents with injury or property damage in excess of $500 must be reported to the police .
  • All passengers must wear seat belts; failure to do so is a primary violation.

Kansas Car Insurance FAQs

Is car insurance required in Kansas?

Yes, the minimum car insurance requirements cover bodily injury; property damage liability; personal injury protection, also called “no-fault” insurance; and uninsured/underinsured motorist protection.

Which cars are required to be insured in Kansas?

Any vehicle that is titled to be driven on the highway is required to be insured.

When should I get car insurance in Kansas?

When you become an owner of a vehicle you have a legal obligation to purchase insurance.

What happens if my car is not properly insured in Kansas?

Failure to carry a minimum amount of car insurance in Kansas can result in severe penalties that could include fines and jail time. 

Is Kansas a no-fault state?

Yes, Kansas is a no-fault state, requires drivers to purchase Personal Injury Protection (PIP), also known as no-fault insurance.

Do I need uninsured motorist coverage in Kansas?

Yes, Kansas required uninsured/underinsured motorist coverage.

Is liability insurance required in Kansas?

Yes, bodily injury and property damage liability coverage is required in Kansas.

Does Kansas accept digital insurance cards?

Yes, digital insurance cards can be used as proof of insurance in Kansas.