The Best Cheap Kansas Car Insurance for 2024

Even though Kansas car insurance premiums are below the national average, drivers still pay thousands of dollars per year. It's possible to knock the price down considerably, though, by focusing on the cheapest car insurance in Kansas. Here's a look at which companies offer the best car insurance at the lowest rates for several common driver profiles.

• Cheapest for typical drivers: Nationwide
• Cheapest for drivers with prior accidents: American Family
• Cheapest for drivers with prior speeding tickets: Geico
• Cheapest for young drivers: American Family
• Cheapest for senior drivers: National Farmers Union Insurance
• Cheapest for drivers looking for minimum coverage: Geico
• Cheapest for drivers with poor credit: Nationwide

Cheapest for typical drivers

The average 35-year-old female driver with a clean record pays about $2,093 per year for Kansas auto insurance while her male counterpart pays about $2,099 per year. But Nationwide offers both men and women an average rate of just $1,613 per year.

These insurers are also some of the best car insurance companies in Kansas:

• National Farmers Union Insurance, which charges women about $1,673 per year and men about $1,632 per year on average
• American Family, where women with clean records pay $1,683 annually for Kansas auto insurance and men pay $1,768 annually

Cheapest for drivers with prior accidents

Drivers with a single accident pay about $2,927 annually for Kansas auto insurance, but those who go with American Family pay a much more affordable $1,683 per year.

These companies also offer some of the best car insurance in Kansas for drivers with an accident history:

• State Farm, where drivers with one accident pay $1,931 annually
• Geico, which charges these drivers about $1,993 per year for Kansas auto insurance

Cheapest for drivers with prior speeding tickets

Speeding tickets also raise the average Kansas auto insurance premium, though not quite as much as an accident. Drivers with one speeding ticket pay $2,537 per year on average, but those who choose Geico can knock almost $1,000 off that bill. Its customers with speeding tickets only pay $1,573 per year.

These insurers also offer cheap auto insurance in Kansas to drivers with speeding tickets:

• State Farm, where these drivers pay about $1,821 per year
• National Farmers Union Insurance, which charges drivers with one speeding ticket about $1,900 annually

Cheapest for young drivers

Young drivers pay the highest Kansas auto insurance premiums at $5,364 per year on average. Once again, American Family offers a much cheaper rate. The average 18-year-old with a clean record pays just $3,069 per year.

Teen drivers can also find cheap car insurance quotes in Kansas with these companies:

• Nationwide, where the average teen driver pays $3,680 per year
• State Farm, where teens pay about $3,826 annually

Cheapest for senior drivers

Seniors only pay about $1,762 per year for Kansas auto insurance. But those who choose National Farmers Union Insurance pay even less -- about $1,377 annually.

These companies also offer affordable car insurance in Kansas to senior drivers:

• American Family, where the average 65-year-old driver pays $1,453 per year
• State Farm, which charges these drivers about $1,470 per year for Kansas auto insurance

Cheapest for drivers looking for minimum coverage

Kansas minimum car insurance only costs about $534 per year, but those looking to score an even better price should check with Geico. Its average annual premium for minimum coverage is just $281.

These insurers also offer cheap liability car insurance in Kansas:

• State Farm, where minimum coverage costs $417 per year
• Progressive, where drivers pay $437 per year for Kansas minimum car insurance

Cheapest for drivers with poor credit

Poor credit bumps the price of Kansas auto insurance up to $3,169 per year. But those who choose Nationwide can get the same coverage for just $2,286 per year.

These companies also offer affordable Kansas auto insurance to drivers with poor credit:

• Geico, which charges these drivers about $2,303 annually
• American Family, where drivers with bad credit pay about $2,454 per year

Average car insurance cost in Kansas compared to the national average

How much is car insurance in Kansas? That depends on several factors, like the driver's history, their vehicle make and model, their address, and more. But generally, Kansas auto insurance rates fall slightly below the national average. Here's a look at how its rates for some of the categories above stack up to the national averages.

Kansas auto insurance laws

All drivers should familiarize themselves with these Kansas car insurance laws:

Kansas is a no-fault auto insurance state

Kansas is a no-fault auto insurance state. This means in the event of a multi-car accident resulting in injuries, each driver bills their own insurance company. This is different from at-fault states, where the driver found to be at fault for the accident pays the medical bills for all parties involved.

Consequences for driving without insurance in Kansas

Driving without car insurance in Kansas can lead to:

• Fines of between $300 and $1,000 for a first offense and between $800 and $2,500 for a subsequent offense within three years
• Up to six months imprisonment
• Driver's license suspension
• Vehicle registration suspension

Kansas minimum coverage requirements

Drivers in Kansas must carry at least the following coverage:

Bodily injury liability coverage

Drivers must have at least:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident

Property damage liability coverage

Drivers must also carry at least $25,000 of property damage liability coverage.

Uninsured and underinsured motorist coverage

Drivers need uninsured and underinsured motorist coverage in the same quantities as the bodily injury liability coverage listed above. Uninsured motorist coverage applies if a policyholder is hit by an uninsured driver. Underinsured motorist coverage helps the policyholder pay for the remainder of the damages if they're hit by a driver without enough insurance to pay for it all.

Personal injury protection (PIP)

Kansas drivers must carry personal injury protection (PIP). The minimum amount required by law is:

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

How to get cheap auto insurance in Kansas

Drivers seeking the cheapest car insurance in Kansas should try the following:

• Compare rates from multiple companies: Each insurer evaluates risk differently, which is why they all give different quotes. Drivers should compare rates from several companies before settling on one.
• Look at all available discounts: Most insurers apply discounts to an applicant's premiums automatically, but there are some discounts drivers must opt into. For example, driver monitoring programs usually require policyholder consent. It's worth considering for those who want to be rewarded for good driving habits.
• Choose a higher deductible: Deductibles are the out-of-pocket costs a policyholder pays in the event of an accident. Choosing a higher one usually lowers premiums.

Other things to consider when looking for car insurance in Kansas

Here are a few other things to keep in mind when shopping for Kansas auto insurance:

State minimum coverage may not be enough

Low-cost car insurance can be appealing, but it can also lead to huge financial problems in the event of an accident. If the damages exceed their policy's limits, the driver must pay for the remainder out of their own pocket. This could easily cost thousands or even tens of thousands of dollars. That's why it's often better to purchase more than state minimum coverage whenever possible.

State minimum coverage includes no protection for the policyholder's vehicle

Those who want help paying for their own vehicle repairs following an accident will need to add collision and comprehensive coverage. Collision coverage applies when a driver gets in an accident with another vehicle. Comprehensive coverage pays for damages related to an animal-vehicle collision, bad weather, theft, vandalism, and more.

RELATED: Need homeowners insurance? Check out The Ascent's guide to the best cheap Kansas homeowners insurance.