Cheap Auto Insurance Quotes in Kansas

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Kansas Car Insurance Averages for Annual Premiums

$468
Minimum Coverage Average
$1567
Full Coverage Average
$948
All Coverage Types Average

Cheapest Car Insurance in Kansas

Getting cheap car insurance in Kansas doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Kansas affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Kansas

The Insureist™ Data Science team ranks the best insurance companies in Kansas using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Kansas are determined based on these results.

Car Insurance in Kansas

Kansas Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Kansas to give you an idea of the average insurance premium in each city.  KS insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Kansas Car Insurance Quotes

The cheapest insurance companies in Kansas will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Kansas. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Kansas.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for KS car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for KS auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some KS insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Kansas SR‌-22 Insurance

You will need to get SR‌-22 insurance in KS if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in KS files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Kansas Car Insurance & Driving Facts

Which car insurance is best in Kansas?

The best car insurance company in Kansas will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple KS insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Kansas?

The minimum auto insurance liability coverage required in the state of Kansas is 25/50/25. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in Kansas, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional KS auto insurance coverage depending on your financial situation.

How much does car insurance cost in Kansas?

The average annual cost of an auto insurance policy in Kansas is $948. The average minimum coverage annual cost in Kansas is $468. The average full coverage annual cost in Kansas is $1567.

How does car insurance work in Kansas?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Kansas?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Kansas Map

Kansas

Vehicle Insurance

Kansas () is a state in the center of the United States. Its capital is Topeka and its largest city is Wichita. Kansas is bordered by Nebraska to the north; Missouri to the east; Oklahoma to the south; and Colorado to the west. Kansas is named after the Kansas River, which in turn was named after the Kansa Native Americans who lived along its banks. The tribe's name (natively kką:ze) is often said to mean "people of the (south) wind" although this was probably not the term's original meaning. For thousands of years, what is now Kansas was home to numerous and diverse Native American tribes. Tribes in the eastern part of the state generally lived in villages along the river valleys. Tribes in the western part of the state were semi-nomadic and hunted large herds of bison.

Kansas was first settled by Americans in 1827 with the establishment of Fort Leavenworth. The pace of settlement accelerated in the 1850s, in the midst of political wars over the slavery debate. When it was officially opened to settlement by the U.S. government in 1854 with the Kansas–Nebraska Act, abolitionist Free-Staters from New England and pro-slavery settlers from neighboring Missouri rushed to the territory to determine whether Kansas would become a free state or a slave state. Thus, the area was a hotbed of violence and chaos in its early days as these forces collided, and was known as Bleeding Kansas. The abolitionists prevailed, and on January 29, 1861, Kansas entered the Union as a free state, hence the unofficial nickname "The Free State".

By 2015, Kansas was one of the most productive agricultural states, producing high yields of wheat, corn, sorghum, and soybeans. Kansas, which has an area of 82,278 square miles (213,100 square kilometers) is the 15th-largest state by area and is the 34th most-populous of the 50 states with a population of 2,913,314. Residents of Kansas are called Kansans. Mount Sunflower is Kansas's highest point at 4,039 feet (1,231 meters).

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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