Cheapest Car Insurance in Kansas for July 2025

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Cheapest Car Insurance in Kansas for July 2025

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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 average cost of car insurance continues to rise in Kansas, and across the nation. Finding cheap auto insurance 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.

To find the best car insurance in Kansas, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Kansas.

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 auto insurance with a liability minimum of $25,000/$50,000/$25,000.

Let’s break these requirements down.

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $25,000 in uninsured/underinsured motorist coverage per person.
  • $50,000 in uninsured/underinsured motorist coverage per accident.

Kansas also requires drivers to carry a minimum amount of personal injury protection coverage, including $4,500 in medical expenses per person, $4,500 for rehabilitation expenses, $2,000 for funeral, burial or cremation expenses, $900 per month for one year for disability or loss of income and $25 per day towards substitution benefits, which pay for in-home services that can’t be performed because of an accident-related injury.

PIP also includes survivor benefits of up to $900 per month for disability and loss of income and $25 per day in substitution benefits, both limited to up to one year.

Cheapest minimum coverage insurance in Kansas

Kansans need to shop around to get the best car 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 $100 $1,195
Bristol West $114 $1,364
Dairyland $114 $1,368
The General $136 $1,634
Root $139 $1,663
National General $156 $1,874
Gainsco $178 $2,136
Last Updated Jul 2, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Cheapest full coverage insurance in Kansas

For greater protection, you might want to consider getting full coverage. Check out the car insurance quotes for full coverage in Kansas Jerry customers have received:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Assurance America $112 $1,345
AAA $125 $1,502
Progressive $194 $2,328
Safeco $215 $2,585
Root $228 $2,732
Embark General $243 $2,916
National General $280 $3,354
Dairyland $299 $3,587
Bristol West $303 $3,633
The General $328 $3,931
Last Updated Jul 2, 2025

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 $284 $3,408
21-24 $241 $2,894
Last Updated Jun, 2025

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 $176 $2,109
ROOT 20 $182 $2,180
Progressive 20 $189 $2,263
Bristol West 20 $217 $2,609
The General 20 $288 $3,456
Last Updated Jul 4, 2025

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
Progressive 20 $289 $3,463
ROOT 20 $319 $3,832
Dairyland 20 $361 $4,334
Bristol West 20 $488 $5,850
Safeco 20 $558 $6,696
The General 20 $801 $9,617
National General 20 $846 $10,155
Last Updated Jul 4, 2025

Average car insurance for mature drivers in Kansas (25-54 years old)

Rates start dropping for Kansans as they gain driving experience:

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $216 $2,587
35-44 $167 $2,009
45-54 $160 $1,924
Last Updated Jul 4, 2025

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 $79 $945
Bristol West 36 $81 $973
Dairyland 36 $93 $1,116
The General 36 $113 $1,350
Safeco 36 $134 $1,602
Last Updated Jul 4, 2025

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 received:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 36 $198 $2,379
ROOT 36 $205 $2,457
Progressive 36 $207 $2,481
National General 36 $241 $2,888
Dairyland 36 $262 $3,146
The General 36 $273 $3,271
Bristol West 36 $284 $3,413
Last Updated Jul 4, 2025

Average car insurance for older drivers (55+ years old)

Kansans between 55 to 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 $151 $1,809
65+ $144 $1,730
Last Updated Jul 4, 2025

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 $57 $686
Bristol West 65 $61 $732
Dairyland 65 $77 $921
The General 65 $89 $1,062
Root 65 $101 $1,209
Last Updated Jul 2, 2025

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
Last Updated Jul 2, 2025

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.

State
Avg Monthly Quote
Avg Annual Quote
KS $169 $2,034
Last Updated Jul 2, 2025

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
AAA $125 $1,502 KS
Progressive $134 $1,607 KS
Safeco $164 $1,972 KS
Bristol West $167 $2,006 KS
Dairyland $175 $2,098 KS
ROOT $181 $2,171 KS
National General $204 $2,453 KS
The General $205 $2,462 KS
Gainsco $223 $2,670 KS
Embark General $243 $2,916 KS
Last Updated Jul 4, 2025

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
Progressive <550 $149 $1,790
Safeco <550 $180 $2,157
Dairyland <550 $187 $2,241
The General <550 $191 $2,288
Bristol West <550 $205 $2,456
Last Updated Jul 4, 2025

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
Not At Fault $207 $2,484
At Fault With No Injury $241 $2,887
At Fault With Injury $219 $2,623
Last Updated Jul 4, 2025

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 $188 $2,257
Safeco At Fault With No Injury $220 $2,640
ROOT At Fault With No Injury $226 $2,706
Last Updated Jul 4, 2025

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 $193 $2,311
Progressive At Fault With Injury $416 $4,994
The General At Fault With Injury $719 $8,630
Last Updated Jul 2, 2025

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 under 15 $190 $2,285
Speeding over 15 $230 $2,764
Last Updated Jun, 2025

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 $146 $1,756
Safeco $154 $1,847
Dairyland $197 $2,359
Bristol West $213 $2,558
Root $214 $2,567
National General $238 $2,854
The General $257 $3,078
Last Updated Jun 29, 2025

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 $205 $2,458
Last Updated Jul 4, 2025

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
Progressive $149 $1,787
Dairyland $156 $1,868
Bristol West $176 $2,109
National General $246 $2,955
ROOT $266 $3,187
The General $267 $3,206
Last Updated Jul 4, 2025

Average Car Insurance for Drivers with Other Violations in Kansas

Other violations and citations 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 $136 $1,627
Eluding Police $104 $1,251
Failure to Obey Traffic Sign $222 $2,659
Illegal Turn $159 $1,914
Improper Passing $370 $4,442
Leaving scene of an Accident/Hit and Run $86 $1,035
Open Container $484 $5,811
Other $213 $2,555
Suspension $177 $2,126
Last Updated Jul 4, 2025

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

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

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:

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.

MEET OUR EXPERTS
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Andrea Richard

Andrea Richard is a writer and editor with nearly 15 years of experience crafting content for a variety of industries. In writing for Jerry, Andrea’s mission is to deliver relatable and informative content so readers can better understand the costs associated with car ownership and car leasing. A native Floridian and a road trip enthusiast, Andrea first learned to drive on a Honda Accord when CDs were still a thing. She has served on the Society of Professional Journalists Florida board of directors and volunteers as a judge for national journalism contests. Her work has earned several awards for feature writing, investigative reporting and branded content campaigns.

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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.