Compare Cheap Auto Insurance in Kansas

• The average cost of full coverage auto insurance in Kansas is $1,934 annually, while minimum coverage is $614 annually.
• GEICO and Nationwide offer cheaper-than-average rates for many driver profiles.
• USAA has the lowest prices in several categories, but it’s available only to active-duty military, veterans and their immediate families.

Jump to:

• Cheapest full coverage auto insurance in Kansas: GEICO ($1,328 annually) and Nationwide ($1,377 annually)
• Cheapest minimum coverage: USAA ($342 annually) and GEICO ($404 annually)
• Cheapest with a teen driver: GEICO ($3,424 annually) and USAA ($4,241 annually)
• Cheapest with a speeding ticket: USAA ($1,467 annually) and GEICO ($1,537 annually)
• Cheapest with an at-fault accident: USAA ($1,879 annually) and Nationwide ($1,894 annually)
• Cheapest with a DUI: State Farm ($2,106 annually) and Nationwide ($2,364 annually)
• Cheapest with low credit: GEICO ($1,726 annually) and USAA ($2,174 annually)

USAA scored the highest in the Central region in J.D. Power’s customer satisfaction survey, but this provider is available only to veterans and military members. USAA received a lower grade on the CRASH Network Insurer Report Card, which surveys collision repair shops on insurers’ claims practices. Shelter scored at the top of the Central region in J.D. Power’s 2024 study, and it also fared well on CRASH Network’s Insurer Report Card, making it our top pick for drivers who are looking for great claims service and customer satisfaction.

The best auto insurance in Kansas for you depends on several factors, including your driving record, location and coverage needs. Here are some tips to help you find the cheapest rates:

• Compare quotes. Always get quotes from at least three providers to ensure you’re getting the best deal. In Kansas, we’d recommend getting quotes from GEICO, Nationwide, State Farm or Shelter to start, as well as from USAA if you’re eligible for membership.
• Look for discounts. Many companies offer discounts for policy bundles, safe driving or low mileage. Bundling, for example, allows you to decrease your insurance premium significantly (sometimes by more than 20 percent) if you add a renters or homeowners policy to your auto insurance policy.
• Try pay-per-mile insurance. If you drive infrequently or short distances, pay-per-mile insurance can reduce your annual auto insurance costs. Most pay-per-mile insurance programs rely on technology to track your driving habits and mileage; they charge a base rate per month and a variable rate per mile.
• Increase your deductible. Raising your deductible can lower your premium, but be sure to weigh the savings against the higher out-of-pocket cost in the event of a claim.

Kansas City has the highest auto insurance premiums in the state, with an average annual cost of $2,268 for full coverage. Wichita is the next highest, at $2,120. The cheapest major cities for auto insurance in Kansas are Olathe ($1,828) and Overland Park ($1,858).

Kansas is a no-fault state, so the minimum auto insurance requirements are higher than those of most other states. Here’s what Kansas requires for every personal car insurance policy:

• $25,000 per person/$50,000 per accident in bodily injury liability coverage
• $25,000 per accident in property damage liability
• $4,500 per person in medical expenses
• $900 per month for one year in disability/loss of income
• $2,000 for funeral, burial or cremation expenses
• $4,500 in rehabilitation expenses to train for reemployment
• $900 per month for one year in disability/loss-of-income survivor benefits
• $25 per day for up to one year in substitution benefits
• $25,000 per person/$50,000 per accident in uninsured/underinsured bodily injury liability⁴

Note that although Kansas’ minimum coverage goes beyond what most other states require, it still doesn’t pay for damage to your car caused by an at-fault accident or non-collision event. To cover these types of damages, you would need collision insurance, which helps pay for repairs or replacement if your car is damaged in a crash, and comprehensive insurance, which covers damage from incidents such as theft, vandalism or natural disasters.

We analyze average auto insurance premiums in Kansas for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Kansas-required no-fault coverage
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible