Cheapest car insurance in Kansas for 2024

Kansas residents searching for affordable coverage have many options. On average, the Sunflower State offers more favorable rates for both full and minimum coverage when compared to national averages. On average, a full coverage policy in Kansas costs $2,552 per year, while the same coverage nationally averages $2,458 per year. For minimum coverage, Kansas again shines in affordability with an average rate of $625, significantly lower than the national average of $678. As drivers weigh their options, they'll find that there are several cheap car insurance companies in Kansas that can help meet their coverage needs without breaking the bank.

Key takeaways

• Cheapest company for minimum coverage: USAA
• Cheapest company for full coverage: USAA
• Cheapest company for drivers with prior incidents: USAA and Electric
• Cheapest company for young drivers: Shelter and Encompass

For many Kansas drivers, opting for a liability-only or minimum coverage policy could be a strategic way to stay insured while managing costs. This form of coverage ensures that drivers meet the state's legal requirements, providing a safety net in case of accidents. However, it's crucial to understand that while it may be cost-effective, minimum coverage might not offer comprehensive protection in all accident scenarios. Among the options available, USAA emerges as the cheapest carrier for minimum coverage in Kansas, making it a potential choice for budget-conscious motorists who prioritize affordability without compromising on reliability.

Minimum coverage requirements for Kansas drivers

The cheapest car insurance in Kansas is usually minimum coverage. This refers to the state-mandated coverage limits that are required to drive legally in Kansas. Current Kansas minimum insurance types and limits are:

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

Kansas is a no-fault state and requires drivers to carry personal injury coverage (PIP). The following limits of PIP are required:

• $4,500 per person for medical expenses
• $900 per month for one year for loss of income or disability
• $25 per day for in-home services
• $2,000 for funeral, burial or cremation services
• $4,500 for rehabilitation expenses
• Survivor benefits: $900 per month for one year for loss of income or disability
• In-home services for $25 per day for one year

Drivers who purchase the state’s minimum required coverage often pay the lowest rates. However, minimum coverage could leave you with hefty out-of-pocket expenses if you cause an accident where the damages or injuries exceed your insurance limits. Most insurance professionals recommend that you purchase higher limits to gain more financial protection.

Minimum coverage also does not provide any coverage for damage to your own car. For that, you will need full coverage. You may be required to carry full coverage if you have a loan or lease on your vehicle.

For Kansas residents seeking more comprehensive protection on the road, a full coverage policy could be the right choice. Unlike minimum coverage, which primarily addresses liability, full coverage includes collision and comprehensive coverage, financially safeguarding against a wider range of incidents, from theft to natural disasters. Although the premiums are higher, the peace of mind and financial security it offers can be invaluable. In the quest for affordability combined with extensive coverage, USAA stands out as the cheapest carrier for full coverage in Kansas, offering residents a balance between cost and extended financial protection.

In Kansas, as in many states, your driving record plays a pivotal role in determining car insurance premiums. Prior incidents, whether at-fault accidents, speeding tickets or other traffic violations, can lead to increased rates as insurers perceive a heightened risk. This is because a history showing past incidents can indicate a pattern, making future claims more likely. Consequently, drivers in Kansas with incidents on their records often face the challenge of finding affordable coverage that doesn't compromise on quality, as rates can substantially rise post-incident. However, there are still carriers in the state that cater to this demographic, offering competitive rates despite a blemished driving history.

• Cheapest car insurance for drivers with a ticket: USAA
• Cheapest car insurance for drivers with an at-fault accident: Electric
• Cheapest car insurance for high-risk drivers: Electric

Cheapest insurance companies for drivers in Kansas with a speeding ticket: USAA

A speeding ticket isn't just a one-time fine — it can have lasting effects on a driver's insurance rates. Speeding, viewed by insurance providers as a risk indicator, can lead to higher premiums because it suggests potentially unsafe driving habits. While every insurer adjusts their rates based on violations differently, those in Kansas who have received a speeding ticket may see noticeable hikes in their subsequent policy renewals. Despite this general trend, USAA stands out as the most affordable choice for Kansas drivers with a speeding ticket on their record.

Cheapest car insurance for drivers in Kansas with an at-fault accident: Electric

Experiencing an at-fault accident in Kansas can have a significant impact on a driver's insurance rates. An at-fault accident is another serious indicator of high-risk driving and as such, increases rates as it increases the likelihood of the insurer having to pay out for future claims. Still, Kansas drivers have options. Electric offers the lowest average annual premium for those with an at-fault accident on their record.

Cheapest rates in Kansas for high-risk drivers: Electric

Navigating the insurance landscape as a high-risk driver in Kansas can be a daunting task. Those labeled as high-risk, especially those with DUIs on their record, often face substantially elevated premiums. A DUI conviction, apart from its legal implications, signals to insurance providers a significantly elevated risk level. However, despite the challenges associated with this designation, there are insurers that cater specifically to this segment. Electric offers the lowest average annual premium for high-risk drivers of the insurers we assessed.

Age plays a significant role in determining car insurance rates. Insurers often view younger drivers, especially those in their teens and early 20s, as higher risks due to their limited driving experience. As a result, young adults in the Sunflower State tend to face steeper premiums than more seasoned drivers. Over time, as they gain experience and maintain clean driving records, rates generally decrease. Still, for young adults just starting on their driving journey, shopping around is key to finding the most affordable coverage.

• Cheapest car insurance for insuring a teen driver: Shelter
• Cheapest car insurance for teens with a ticket: Electric
• Cheapest car insurance for teens with an at-fault accident: Electric
• Cheapest car insurance for young drivers with a DUI: Electric

Cheapest Kansas car insurance for insuring a teen driver: Shelter

Insuring a teen driver in Kansas can often result in a significant uptick in car insurance premiums. Due to their limited driving experience and statistically higher likelihood of being involved in accidents, insurance providers tend to charge more for teen coverage. Fortunately, many insurance companies offer teen discounts and student discounts to help mitigate these costs. Parents and guardians should inquire about these savings opportunities to potentially ease the financial burden of insuring a young driver.

Cheapest Kansas car insurance for teens with a ticket: Electric

In Kansas, a speeding ticket for a teen driver can significantly influence insurance rates due to the amplified risk perception. Electric emerges as the most cost-effective option for these young drivers. The rates provided are based on an 18-year-old on their own policy.

Cheapest Kansas car insurance for teens with an at-fault accident: Electric

For teen drivers in Kansas, being involved in an at-fault accident can further heighten insurance premiums due to their already perceived high-risk status. Among the available options, Electric offers the most affordable rates for these young motorists post-accident.

Cheapest Kansas car insurance for young drivers with a DUI: Electric

In Kansas, a DUI charge for young drivers can drastically increase insurance premiums due to the heightened risk associated with youthful inexperience and impaired judgment. Among the available options, Electric emerges as the most affordable carrier for young drivers grappling with a DUI on their record.

The cheapest car insurance companies in Kansas typically offer a few car insurance discounts, which can effectively lower your monthly rate. Before you choose a policy, check an insurer’s website or talk to a licensed agent to find out which discounts you may qualify for.

Here are some of the more common discounts available to Kansas drivers:

• Accident-free: You may receive a discount from your insurer if you go without filing a claim for a certain number of years — typically, three years, but this varies from insurer to insurer.
• Defensive driving course: If you complete a state-approved defensive-driving course, you might be able to earn a discount that will stay on your policy for three years with some insurance companies.
• Telematics program: Insurers increasingly use telematics programs, which use a smartphone app or plug-in device to monitor your driving in real time. Those who prove to be safe and careful drivers might earn a significant discount. Keep in mind that some telematics programs can have the opposite impact and penalize you if you exhibit unsafe driving habits.
• Multiple autos: If you insure two or more cars with the same company, you could earn a discount from most insurers.
• Multiple lines: This common discount is earned by purchasing two types of insurance, such as auto and home insurance, with the same company. Bundling multiple policy types often earns you the one of the biggest discounts available from many insurers.
• Safety devices: Safety features that are commonly found in newer cars, such as anti-lock brakes and air bags, make you eligible for a discount with many insurers.
• Young driver discount: Young drivers who earn a "B" average or higher in high school or college could earn a discount. They may also be eligible for one if they attend school more than 100 miles from where their car is garaged.

These are sample rates and should only be used for comparative purposes.