Key Takeaways
- Kansas requires you to have $25,000/$50,000/$25,000 liability and $25,000/$50,000 for UM/UIM coverage.
- Kansas is a no-fault state, requiring drivers to carry personal injury protection (PIP) coverage.
- The cheapest quote for a 20-year-old Kansan is over twice as expensive as a quote for a 36 and 65 year old driver.
The cost of car insurance continues to rise in Kansas, and across the nation. Finding cheap rates nowadays can be hard, but it’s possible to save on your policy by shopping for quotes from multiple insurers.
As a baseline, the average full coverage insurance cost in Kansas is $266 per month. That’s 24% lower than the national average of $340.
Keep in mind that the state’s minimum coverage is around $120 annually, according to a Jerry analysis, and that Kansas law requires drivers to have an insurance policy with a liability minimum of $25,000/$50,000/$25,000.
Let’s break these requirements down.
| Liability Coverage | Coverage Limits | Protects Against |
| Bodily injury per person | $25,000 | Pays for accident-related injuries caused by your car to other drivers and passengers. |
| Bodily injury per accident | $50,000 | Pays for bodily injuries done to others caused by your car, per crash. |
| Property damage per accident | $25,000 | Pays for damage caused to someone else’s property with your car, per crash. |
Kansas is among the 20 states and the District of Columbia that require drivers to have coverage for uninsured/underinsured motorists (UM/UIM). The minimum requirement is “25/50,” or $25,000 per person and injury per accident and $50,000 for property damage per accident involving an uninsured/underinsured motorist. Under Kansas law, this coverage is baked into the policy.
Cheapest minimum coverage insurance in Kansas
Kansans need to shop around to get the best insurance prices and generally you’ll pay the lowest prices if you only opt for state minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $90 | $1,080 |
| Progressive | $101 | $1,214 |
| Bristol West | $115 | $1,381 |
| Dairyland | $116 | $1,394 |
| The General | $136 | $1,633 |
| National General | $157 | $1,889 |
| Root | $160 | $1,920 |
| Gainsco | $178 | $2,136 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Kansas
For greater protection, you might want to consider getting full coverage. Check out the prices for full coverage in Kansas Jerry customers have been quoted:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $112 | $1,345 |
| AAA | $125 | $1,502 |
| Progressive | $187 | $2,246 |
| Safeco | $204 | $2,449 |
| Root | $233 | $2,795 |
| National General | $272 | $3,260 |
| Dairyland | $295 | $3,537 |
| Bristol West | $305 | $3,666 |
| The General | $328 | $3,940 |
| Electric | $432 | $5,188 |
Cheapest car insurance for young drivers in Kansas
Young drivers in Kansas tend to pay the highest auto insurance prices, but auto insurance prices start dropping as drivers get into their early 20s.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $293 | $3,517 |
| 21-24 | $249 | $2,983 |
Cheapest liability-only policy in Kansas for a 20 year old
Based on our data, here are the cheapest rates for a 20-year-old in Kansas for liability-only coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | 20 | $171 | $2,046 |
| Root | 20 | $175 | $2,100 |
| Bristol West | 20 | $192 | $2,307 |
| Progressive | 20 | $200 | $2,404 |
| National General | 20 | $225 | $2,704 |
Cheapest full coverage policy in Kansas for a 20 year old
Here are the cheapest insurers and their rates for a 20-year-old in Kansas for full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Root | 20 | $274 | $3,289 |
| Progressive | 20 | $283 | $3,398 |
| Dairyland | 20 | $361 | $4,334 |
| Safeco | 20 | $558 | $6,696 |
| Bristol West | 20 | $561 | $6,737 |
| The General | 20 | $801 | $9,617 |
| National General | 20 | $939 | $11,266 |
Average car insurance for mature drivers in Kansas (25-54 years old)
Rates start dropping for Kansans as they rack up the years:
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $213 | $2,559 |
| 35-44 | $159 | $1,912 |
| 45-54 | $157 | $1,887 |
Cheapest liability-only policy in Kansas for a 36 year old
The average Jerry customer is 36 years old. Check out the cheapest policies for a 36-year-old Kansan with a liability-only policy:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 36 | $76 | $914 |
| Bristol West | 36 | $81 | $973 |
| Dairyland | 36 | $86 | $1,027 |
| The General | 36 | $110 | $1,325 |
| Safeco | 36 | $134 | $1,602 |
Cheapest full coverage policy in Kansas for a 36 year old
If you’re a 36-year-old Kansan looking for full coverage, these rates reflect the cheapest quotes Jerry customers have gotten:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Safeco | 36 | $198 | $2,379 |
| Root | 36 | $205 | $2,457 |
| Progressive | 36 | $214 | $2,572 |
| National General | 36 | $247 | $2,962 |
| Dairyland | 36 | $250 | $2,995 |
| The General | 36 | $270 | $3,239 |
| Bristol West | 36 | $272 | $3,265 |
Average car insurance for older drivers (55+ years old)
Kansans between 55-64 pay the lowest insurance rates compared to all other age groups, but that insurance rates start rising as one heads north of 65.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $152 | $1,827 |
| 65+ | $142 | $1,710 |
Cheapest liability-only policy in Kansas for a 65 year old
Check out the cheapest liability-only policy for Kansans who are 65 years old.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $50 | $596 |
| Bristol West | 65 | $57 | $687 |
| Dairyland | 65 | $92 | $1,105 |
| Root | 65 | $108 | $1,296 |
| National General | 65 | $133 | $1,590 |
Cheapest full coverage policy in Kansas for a 65 year old
A 65-year-old Kansan looking for full coverage might want to get quotes from different insurers as the cheapest insurer for a liability-only policy isn’t always the cheapest insurer for full coverage.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $96 | $1,152 |
| Bristol West | 65 | $109 | $1,302 |
| National General | 65 | $151 | $1,810 |
| Dairyland | 65 | $166 | $1,989 |
| The General | 65 | $184 | $2,209 |
| Safeco | 65 | $200 | $2,396 |
| Root | 65 | $255 | $3,062 |
Average car insurance for drivers with clean records in Kansas
Here’s the average quote that our customers in Kansas pay when they have a no violations or claims.
|
Avg Monthly Quote
|
Avg Annual Quote
|
State
|
|---|---|---|
| $175 | $2,094 | KS |
Insurers that provide the lowest average monthly quote for Kansans with a clean record include the following:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
State
|
|---|---|---|---|
| Aspire Advantage | $90 | $1,081 | KS |
| AAA | $125 | $1,502 | KS |
| Progressive | $135 | $1,622 | KS |
| Safeco | $162 | $1,946 | KS |
| Dairyland | $178 | $2,140 | KS |
| Bristol West | $179 | $2,154 | KS |
| Root | $202 | $2,428 | KS |
| National General | $206 | $2,477 | KS |
| The General | $207 | $2,483 | KS |
| Gainsco | $223 | $2,670 | KS |
Average car insurance for drivers with low credit scores in Kansas
If you have a low credit score, these companies will often give you the best rates:
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | <550 | $90 | $1,081 |
| Progressive | <550 | $149 | $1,790 |
| Safeco | <550 | $180 | $2,157 |
| Dairyland | <550 | $188 | $2,261 |
| National General | <550 | $200 | $2,398 |
Cheapest car insurance for drivers with at-fault accidents in Kansas
An accident will cause your average monthly quotes to rise, as you can see below:
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| At Fault With Injury | $212 | $2,545 |
| At Fault With No Injury | $230 | $2,764 |
| Not At Fault | $199 | $2,382 |
| $175 | $2,100 |
Cheapest car insurance for drivers with at-fault accidents with no injury in Kansas
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Commonwealth Insurance | At Fault With No Injury | $109 | $1,312 |
| Assurance America | At Fault With No Injury | $112 | $1,345 |
| Progressive | At Fault With No Injury | $177 | $2,123 |
| Safeco | At Fault With No Injury | $205 | $2,459 |
| Root | At Fault With No Injury | $225 | $2,696 |
Cheapest car insurance for drivers with at-fault accidents with injury in Kansas
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | At Fault With Injury | $121 | $1,458 |
| National General | At Fault With Injury | $171 | $2,057 |
| Bristol West | At Fault With Injury | $174 | $2,088 |
| Progressive | At Fault With Injury | $416 | $4,994 |
| The General | At Fault With Injury | $719 | $8,630 |
Cheapest car insurance for drivers with a speeding ticket in Kansas
Speeding is expensive because it will cause your insurance quotes to rise. Kansans who have a speeding ticket over 15mph would see an even larger increase in their auto insurance prices:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Speeding over 15 | $265 | $3,178 |
| Speeding under 15 | $190 | $2,278 |
Nonetheless, shopping around can help you reduce the cost of getting auto insurance even if you have a speeding ticket:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $152 | $1,830 |
| Safeco | $156 | $1,869 |
| Dairyland | $184 | $2,206 |
| Anchor General | $205 | $2,464 |
| Bristol West | $216 | $2,590 |
| National General | $236 | $2,833 |
| Root | $236 | $2,834 |
| The General | $269 | $3,226 |
Cheapest car insurance for drivers with a DUI in Kansas
Getting a DUI in Kansas could cause your insurance rates to rise by a few hundred dollars a year, on average:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| DUI | $206 | $2,473 |
| $189 | $2,270 |
If you want to keep your auto insurance rates low with a DUI on your record, consider shopping around for the lowest rates:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $153 | $1,837 |
| Progressive | $154 | $1,850 |
| Bristol West | $176 | $2,117 |
| The General | $244 | $2,930 |
| National General | $248 | $2,975 |
| Root | $284 | $3,405 |
Average Car Insurance for Drivers with Other Violations in Kansas
Other violations will cause different increases in auto insurance costs:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $147 | $1,762 |
| Defective Equipment | $434 | $5,212 |
| Driving on Sus. License | $131 | $1,573 |
| Eluding Police | $104 | $1,251 |
| Failure to Obey Traffic Sign | $222 | $2,659 |
| Illegal Turn | $159 | $1,914 |
| Improper Passing | $211 | $2,538 |
| Other | $160 | $1,917 |
| Suspension | $168 | $2,022 |
Is Kansas a no-fault state?
Kansas is a no-fault state that requires drivers to carry personal injury protection (PIP), which helps cover medical expenses and lost wages regardless of who is found at fault in an accident.
Kansas’ PIP requirements don’t have maximum coverage limits but do specify the minimum coverage for different benefits. Those minimums are:
- Medical expenses: $4,500 per person per accident.
- Rehabilitation expenses: $4,500 per person.
- Lost wages: $900 monthly for up to 12 months.
- In-home services: $25 daily for up to 365 days.
- Survivor death benefits: $2,000 for funeral expenses and potentially the pay of lost wages per surviving dependents.
Drivers can purchase PIP insurance with higher limits if they desire to have more coverage than Kansas’ minimum.
Find full coverage auto insurance in Kansas
The minimum state requirements may not provide adequate protection in a severe crash, as medical bills, repairs and parts are all increasing in expense.
While having minimum coverage costs less than full coverage premiums, you may pay more down the line if you cause and are found responsible for an accident. The other party or parties can file a lawsuit against you and your assets if their bills related to the accident exceed your policy’s limit.
Full coverage car insurance in Kansas includes both comprehensive coverage and collision coverage, which tend to have deductibles.
- Comprehensive coverage helps pay for damages that are not caused by a collision with another vehicle such as theft, vandalism, fire and severe weather.
- Collision coverage helps pay for repairs related to a crash with another car or cars.
Tips for lowering your car insurance in Kansas
Drivers in Kansas can take several steps to reduce your auto insurance premiums:
- Shop around to compare quotes from multiple insurers and find the best cheap option.
- Bundle policies for your home, life, and auto insurance from the same company.
- Choose higher deductibles to lower the monthly premium cost.
- Maintain a safe driving record.
- Take a defensive driving course to potentially earn a discount.
- Pay your policy in full.
Overall, the best way to save on your rate is to shop around throughout the year. Rates will increase even if you stay with the same insurance company, so it’s in your best interest to compare quotes from multiple insurers.
You can avoid doing this taxing research on your own by using the Jerry app. As a licensed broker, Jerry will help you compare quotes across all carriers we serve, all in one place without giving out your personal information.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
