Good news for Kansas drivers: Jerry’s latest data shows that liability coverage in the Sunflower State averages about $270 per month. Over the last year we’ve helped 3,353 Kansans lower their premiums, and drivers who switched with Jerry saved an average of $369 a year without giving up the protection they rely on.
Jerry compares quotes from up to 8 trusted insurers in Kansas to build your policy and help you secure your best rate in minutes.
Save on Kansas insurance with Jerry.
What Kansas drivers are paying right now
Car insurance prices in Kansas shift with weather, crash trends and where you drive. Rural counties see more high-speed collisions and deer strikes, while metro areas like Wichita and Kansas City deal with heavier traffic, more frequent claims and higher repair costs. Even drivers with identical profiles can get very different quotes based on ZIP code and insurer risk models.
Jerry tracks live quotes across Kansas to give you a real-time look at what drivers are paying today. Here are a few full coverage policies recently purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: It’s worth checking your rate every once in a while. In Kansas, everything from winter storms to local claim spikes can shift your premium by renewal time.
4 smart ways Jerry helps Kansas drivers save on car insurance
Lowering your premium isn’t just about grabbing the cheapest number. Real savings come from understanding what actually affects your rate and adjusting what matters most.
Jerry makes that simple by comparing real quotes, surfacing discounts you might miss and showing you exactly where you can save without weakening your coverage.
Here are our top tips to help you spend less and worry less.
| How to save | Average Kansas driver savings |
|---|---|
| Compare quotes | 44% to 63% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid a coverage lapse | 16% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Kansas driving conditions vary widely, and insurers price that variance differently. Rural areas see more severe crashes and high wildlife activity, while cities experience more fender benders and theft. Add in hailstorms and strong winds on the plains, and it’s no surprise that companies calculate risk in different ways.
Comparing quotes side-by-side with Jerry is the most efficient way to avoid overpaying.
Here’s where Kansas drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Kansas drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Even two drivers with similar cars and clean records can see very different premiums depending on where they live. Jerry makes those differences easy to see so you can choose the best fit for your needs and your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Kansas drivers often qualify for more discounts than they realize, like multi-policy bundles, safe-driver rewards, paperless billing, good-student savings and anti-theft devices. The catch is that many insurers don’t automatically apply every discount you qualify for.
Jerry finds the ones you’re eligible for so savings don’t slip past you.
Key takeaway: Stacking discounts frequently saves more than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Your deductible is one of the easiest levers to adjust your premium. Kansas drivers face real deductible-triggering risks — hailstorms, icy winter roads, rural crashes involving deer and long stretches of highway where debris can cause windshield damage. But it needs to be an amount you can comfortably afford if you need to file a claim.
For that reason, be sure to choose a deductible that fits your budget and how you actually drive.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
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Review your car’s current value (Jerry updates this monthly).
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Decide what you could comfortably cover out of pocket.
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See how changing your deductible alters your premium in real time.
The Jerry difference: Jerry shows you multiple deductible options instantly so you can strike the right balance between cost and protection.
Jerry Agent Tip 4: Avoid lapses by picking affordable coverage
Letting your insurance lapse is one of the fastest ways to raise your future premium. Jerry data shows that Kansas drivers who experience even a small lapse see their rates jump by 16% on average once they reinstate coverage. It doesn’t matter if the lapse was accidental or brief, insurers treat it as a higher-risk signal.
The smartest long-term move is building a policy you can maintain comfortably month after month. Jerry shows real-time pricing across multiple coverage levels, helping you choose a plan that protects you and stays within your budget. And once you’re covered, we automatically re-shop your policy so you stay ahead of any increases.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Kansas requires 25/50/25 liability and personal injury protection (PIP), but that minimum won’t protect your own car. Here’s how drivers typically structure their policies:
Minimum
$56 – $95/mo
Meets Kansas liability and PIP requirements but doesn’t cover your vehicle.
Full
$109 – $218/mo
Adds collision and comprehensive, often required for leased or financed vehicles.
Preferred
$144 – $276/mo
Includes higher liability limits, lower deductibles and extras like towing or rental reimbursement.
Key takeaway: Start with your comfort around risk and what your vehicle is worth. Jerry shows real-time prices across all coverage levels so you can choose confidently.
The cheapest Kansas policy is liability and PIP only, but low-cost add-ons like comprehensive often pay off when hail, wind or wildlife damage is involved.
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Coverage definitions
Kansas insurance factors at a glance
What you pay for car insurance in Kansas reflects the state’s real driving conditions, from severe hail and fast prairie winds to high-speed rural highways and frequent deer collisions. Add in rising repair costs in growing metros like Wichita and Kansas City and you get premiums that shift noticeably from one ZIP code to the next.
Hail and wind storms
Kansas sits in a major hail corridor, causing expensive roof and vehicle damage that make comprehensive worth considering.
Wildlife collisions
Deer strikes are common statewide, especially in rural and suburban counties. (Another vote for comprehensive.)
Urban vs rural crash severity
Rural highways see higher-speed accidents, while metro areas see more frequent fender benders and theft. Either way, collision is important.
Road conditions
Winter ice, heavy winds and long-distance commutes across the plains add risk.
Kansas Insurance After a Ticket, Accident or SR-22
One mistake shouldn’t define your rates forever. Jerry works with insurers that take a balanced approach to violations and automatically re-shop your policy as your record improves.
Kansas uses a point system to track violations, and too many points within a short period can impact both your license and your insurance costs. Even a single ticket can raise premiums for years, though some drivers may qualify for defensive-driving courses that reduce the impact.
Once a violation clears, Jerry shops for lower rates automatically.
Here are the average rate increases we’ve seen for Kansas drivers after a ticket:
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Speeding under 15: 15%
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Speeding over 15: 23%
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Failure to obey traffic sign: -7%
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Reckless driving: 0%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Kansas is a no-fault state, which means your own PIP coverage handles your medical bills regardless of fault. But if you’re found liable for property damage, your premiums can still rise significantly. An at-fault crash raises rates by 15% on average and the increase often sticks around for three to five years.
Jerry helps you secure the lowest available price now and re-shops your policy when the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI carries steep financial consequences in Kansas. Premiums typically climb by -11% or more and stay elevated for several years. Some insurers still offer more reasonable pricing for high-risk drivers.
Jerry identifies those carriers for you and re-shops your policy as your record improves.
Here are the five cheapest insurers for Kansas drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $180 | Yes | |
| $237 | Yes | |
| $265 | Yes | |
| $295 | Yes | |
| $327 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Kansas
Kansas may require an SR-22 after certain violations, uninsured crashes or suspensions. In the Jerry app, select the SR-22 option and we’ll only show insurers that file them. Many carriers charge around $25 per year for the paperwork.
Car Insurance with Bad Credit
Kansas allows insurers to use credit-based insurance scores, so your credit can influence your premium. Even so, maintaining continuous coverage, choosing the right deductible and keeping a clean record often move your rate more than credit alone.
Jerry helps you compare real-time pricing so you always land the best deal available.
Average rates in Kansas by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Kansas’ mix of prairie weather, rural roadways, long-distance commutes and fast-growing metro areas means there’s no single cheapest policy for every driver. The right coverage is the one that fits how you actually drive.
Jerry makes that easy by matching you with strong, affordable protection and automatically re-shopping when you qualify for better pricing.
Get Kansas coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
