MoneySaverCodes

Car Insurance in Kansas: 2026 Rates & Guide

Kansas is a mid-range state for car insurance. The average driver pays $102/month ($1224/year). Here's how to find the best rate for your situation.

$102

Avg Monthly

$1224

Avg Annual

#36

Cost Rank (1=priciest)

$76

Cheapest Option/mo

Advertisement

Cheapest Car Insurance Companies in Kansas (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Kansas — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$76/mo4.5Get Quote
2
GEICO
$80/mo4.3Get Quote
3
American Family
$74/mo4.4
4
Progressive
$90/mo4.1Get Quote
5
Shelter Insurance
$72/mo4.5

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

Contains affiliate links — we may earn a commission at no cost to you.

Ready to get a quote?

Rates above are estimates — your actual quote may be lower. Takes 2 minutes.

State FarmGEICOSee discount codes →

Kansas Car Insurance Requirements

Minimum Coverage: 25/50/25

Kansas is a no-fault state. You must carry Personal Injury Protection (PIP) in addition to liability coverage.

Kansas Insurance Facts

Kansas is a no-fault state requiring PIP coverage for medical expenses regardless of who caused the accident.
Kansas sits squarely in "Tornado Alley" — hail and wind damage make comprehensive coverage especially important.
Wichita is the largest city and has the highest in-state premiums; rural Kansas is among the most affordable in the US.

Advertisement

How to Get Cheaper Car Insurance in Kansas

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Kansas — FAQs

What is the average cost of car insurance in Kansas?
The average car insurance cost in Kansas is $102 per month ($1224 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Kansas?
Kansas requires minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). Kansas is a no-fault state, which means additional PIP coverage is also required.
Which company has the cheapest car insurance in Kansas?
Based on our research, State Farm offers the lowest average rate in Kansas at around $76/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Kansas a no-fault car insurance state?
Yes, Kansas is a no-fault state. This means your own insurance covers your medical bills after an accident regardless of who was at fault. Personal Injury Protection (PIP) coverage is required.
How can I lower my car insurance in Kansas?
The most effective ways to lower your car insurance in Kansas include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

Advertisement

Explore Other States

Alabama$130Alaska$88Arizona$138Arkansas$126California$156Colorado$144Connecticut$162Delaware$178