Cheap Car Insurance in Kansas (2023)

Car Insurance in Kansas

Driving across Kansas is a true Americana experience. And when you drive in the Sunflower State, you’ll want to make sure your car insurance meets Kansas state requirements. With so many companies, it’s hard to know who has cheap car insurance rates. To find the best rates, use Insurify to compare quotes from different providers.

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Cheapest Car Insurance in Kansas

Some insurance providers are able to offer cheaper coverage than others. To help you find the most affordable car insurance coverage, use the table below to compare quotes showing how much a car insurance policy costs from various auto insurers in Kansas. Keep in mind that your auto insurance rates will vary based on many factors, so you should always compare quotes!

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Cheapest Liability Auto Insurance in Kansas

If you are looking to lower auto insurance costs, you can consider buying a liability-only policy. Liability car insurance pays for any property damage or injuries to others if you are at fault in a car accident. Here are the average car insurance premiums for the cheapest liability-only coverage in Kansas.

Cheapest Full-Coverage Car Insurance in Kansas

Full-coverage car insurance is liability coverage plus physical damage coverage for your own vehicle (comprehensive coverage and collision coverage). If you own a higher-value car or are financing through a lender, you’ll likely need a full-coverage policy. Here are the cheapest full-coverage insurance providers in Kansas.

Best Car Insurance in Kansas

While price is certainly an important factor, the cheapest provider might not always be the most quality. The following insurance companies are top-rated carriers based on the Insurify Composite Score, which is based on the quality, reliability, and health of an insurance provider. Use the table below to see how much a Kansas car insurance policy costs from these insurers.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Kansas Car Insurance Rates by Driving and Accident History

Insurance companies use a methodology to determine car insurance rates based on your driving history. If you have at-fault accidents, speeding tickets, or a DUI, you can expect to pay more for Kansas auto insurance. Use the tables below to find the cheapest car rates based on your driving record.

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Cheap Car Insurance for Good Drivers in Kansas

Drivers with a clean driving record receive the best rates for auto insurance. A good driver is generally considered to be someone with no minor traffic violations, such as a speeding ticket, on their record for the past three years and no major violations in the past five to seven years. The table below lists the average quotes for drivers in Kansas with no violations.

Cheap Car Insurance for Drivers with DUI in Kansas

If you have a DUI violation on your driving record, you can expect your car insurance rates to increase. You will have to wait for the DUI to fall off your driving record (typically three years) for your car insurance rates to go down. In the meantime, you can use the table below to find the average quotes for Kansas drivers with DUIs on their record.

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SR-22 Insurance in Kansas

For more serious driving violations, the court may require you to carry a certificate of financial responsibility known as an SR-22. This form provides proof that your auto insurance meets the state’s minimum liability insurance requirements. You can check with local insurance agents to find out if they represent any of these carriers offering SR-22 insurance.

*USAA auto insurance is exclusively available to active duty and retired military members and their families.

Cheap Car Insurance for Drivers with an At-Fault Accident in Kansas

If you are involved in an at-fault accident, you can expect your car insurance rates to increase. How much your rates will increase depends on the details of the accident and whether you have previous at-fault accidents on your driving record. Use this table to find the cheapest rates for Kansas drivers with at-fault accidents on their driving records.

Cheap Car Insurance for Drivers with Speeding Tickets in Kansas

A speeding ticket will generally stay on your driving record for three years. Until those three years are up, your rates will likely go up. Focus on improving your driving record until you can once again qualify for a lower car insurance rate. Use this table to find cheap auto insurance rates for Kansas drivers with speeding tickets on their driving records.

Kansas Car Insurance Rates by Credit Tier

Insurers may use a credit-based insurance score to help decide if you are a good risk. Good credit drivers qualify for the best rates, while drivers with bad credit are considered high-risk. The average monthly car insurance rates for drivers with excellent, good, average, and poor credit are listed below.

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Kansas Car Insurance Rates by Driver Age

Insurance companies know that experienced drivers are less likely to have auto accidents. Statistics show that young drivers are involved in more accidents, so they pay higher insurance premiums. Use this table to find the cheapest Kansas car insurance quotes for teen drivers, drivers under 25, drivers in their 20s, 30s, 40s, 50s, 60s, 70s, and above 80.

Car Insurance Rates in Kansas Cities

Car insurance rates may vary by Kansas cities based on several factors, including the crime rate in a city, the city’s population, whether the area is prone to extreme weather events, and how well the local roads are maintained. The following chart shows the average car insurance rates for these major cities in Kansas.

Kansas Driving Facts

Every state has minimum insurance requirements, and Kansas is no exception. Additionally, all drivers in Kansas will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Kansas.

Minimum Car Insurance Requirements in Kansas

All motor vehicles operated or parked on Kansas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kansas^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kansas is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $4,500 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Kansas, this coverage covers both categories of drivers.

Kansas DMV Information

You can visit your local Kansas DMV for the following services:

• Drivers license renewal

• Vehicle registration renewal

• Driver’s license status check

• Vehicle property tax lookup

• Taking a driver’s exam

• Finding driver’s education information

• Commercial motor vehicle sources

• Commercial driver information

Drivers can also use the DMV’s home services for online transactions, such as address changes, printing registration renewals, and ordering a driving record motor vehicle report.

Public Transportation in Kansas

There are approximately 145 public transit programs in Kansas, covering most of the state’s 105 counties. The Kansas Department of Transportation (KDOT) administers these programs funded by the Federal Transit Administration and the state of Kansas. Kansas citizens can enjoy the use of public transit services, including buses, streetcars, and trolleys.

How to Get the Cheapest Car Insurance in Kansas

There are many auto insurance companies out there, all claiming to have the best prices for auto insurance policies, but how do you know which ones really do? Finding the best car insurance rates in Kansas doesn’t have to be complicated. Use Insurify to compare average rates for Kansas car insurance, and you’ll find the cheapest auto insurance in only minutes.

Frequently Asked Questions (FAQs) - Cheap Car Insurance in Kansas