Claire Smith Last Updated On: July 25, 2023

Wondering how to get the best and cheapest car insurance in Kansas? We're here to help.

The sunflower state is a great place to live, but when it comes to car insurance, it is actually 8% more than the average in the United States. 

But there are factors that influence Kansas car insurance costs other than location, and those include where your age, your driving history, your car’s make and model and even its safety features…or lack thereof. 

Keep reading to find out more about Kansas car insurance.

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Table of Contents

How Much Does Kansas Car Insurance Cost?

The cheapest car insurance in Kansas is going to cost about $502 a year. The state requires you to have these three minimum coverages: liability coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP).

Let’s look into the limits of these coverages a little more, so you understand exactly what you need. 

  • Liability coverage. You will require a minimum of $25,000 per person for bodily injury protection and $50,000 per accident, as well as $25,000 per accident for property damage protection. 
  • Uninsured/underinsured motorist coverage. You require $25,000 per person and $50,000 per accident for bodily injury coverage.
  • Personal injury protection (PIP). For PIP, you legally require a minimum of $2,000 funeral expenses per person, $4,500 rehabilitation expense per person, $25 per day for at-home services, $900 per month income loss for a year, and $4,500 medical expense per person.

Coverage Not Required For Kansas Car Insurance, But Coverage You Should Consider Anyway

While you don’t legally need the following coverages, you will likely at least want to consider certain options, like comprehensive and collision, which protects you in the event of damage caused by weather, as well as vandalism, theft, and car accidents.

Yes, this is going to be more expensive (around 178% more than coverage with just liability—about $1,300 with a $1,000 deductible) but if you need that protection, it’ll be worth it.

Other optional types of Kansas car insurance include: 

  • Loan payoff
  • Roadside assistance
  • Medical payments
  • Rental car reimbursement

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How to Lower the Cost of Car Insurance in Kansas

There are several ways you can reduce the cost of your insurance. These include:

Increase the cost of your deductible. Your deductible is the amount you have to pay before your insurance kicks in. The more you pay upfront, the lower your premiums. Simple!

Bundle your insurance. Combining your home and auto insurance or having multiple cars insured with the same provider can lower rates. 

Take a safe driving course. Showing that you’re committed to being a safe driver can knock up to 10% off your car insurance. These sources are especially good for new drivers.

Choose a less expensive make and model. The make and model of your vehicle can significantly affect the price you pay for car insurance in Kansas, or anywhere really. For instance, a Subaru Outback is one of the cheapest cars to insure, coming it at around $1,512/year, while a Dodge RAM is the most expensive, costing an average of $4,242 per year. So, whether you’re in the market for a new car that you will need to insure, or you have a car that is too expensive to insure and you are looking into more affordable options, definitely take into consideration the make and model of your car. 

Compare quotes. Don’t ever assume the first price you see is the best. Shop around. Get multiple quotes. We offer free and fast Kansas car insurance quotes. Get yours now!

What Carriers Offer the Cheapest Car Insurance In Kansas?

While there are a lot of variables that impact how much your insurance will be with a specific provider, in general, there are some Kansas car insurance providers that are cheaper than others.

If you’re looking for cheap coverage for the minimum requirement, your best options, starting with the lowest cost, are:

  • GEICO ($273/year)
  • USAA ($315/year)
  • Nationwide ($318/year)
  • State Farm($337/year)
  • Progressive ($545/year)
  • Farmers ($594/year)
  • All State ($674/year)

GEICO is also the cheapest if you have bad credit, though State Farm is the cheapest if you have been found at-fault in a previous accident or have a DUI. Nationwide is the cheapest car insurance in Kansas for young drivers.

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Need SR-22 Insurance in Kansas?

SR-22 is a legal requirement that’s needed after certain violations, like driving without a license, being at-fault in an accident, a DUI, driving with a suspended license or having too many points. This form is issued by your insurance provider in conjunction with the state you live in to make sure you are properly insured. 

If you need one of these forms to drive in Kansas, there are two ways to go about it. 

If you’re not insured, you may not be able to get insurance with some companies and it is likely that the ones that will insure you will require you to pay a fee to have this provider file a SR-22 request with the state. Your insurance will also be higher because you are a higher risk driver.

If you are already insured, just contact your insurance company and ask that they file a SR-22 request on your behalf. In the event your provider won’t file, you are going to need to look for a new carrier. Again, be sure to shop around. 

Learn more about how to get back on the road if you require an SR-22 here.

What City Has the Cheapest Car Insurance In Kansas?

Location, location, location is everything with real estate, and insurance.

The cheapest car insurance in Kansas can be found in Olathe, followed by Overland Park, Topeka, Wichita, and finally, Kansas City. 

Of course, factors like your age and your driving history can impact costs so even if you live in Olathe—the cheapest city in Kansas for auto insurance—but have a poor driving record, it’ll still likely cost you more than insurance in a generally more expensive city.

The Takeaway: Shop Around for the Best Kansas Car Insurance

The best car insurance for you may not be the cheapest, because depending on your needs and driving history, you may not want or qualify for the least expensive coverage.

If you’re looking for Kansas auto insurance, you want to make sure you have the minimum legal requirements we’ve outlined here, consider if you could benefit from more than the minimum (most people can!), and shop around before you commit to getting the best coverage for the best price.

We can help. Request fast and free Kansas car insurance quotes today.

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