Cheapest Auto Insurance in Kansas (2025)
CSAA offers the cheapest car insurance in Kansas, with monthly rates starting at $47.
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If you live in Kansas, here’s some good news: Your car insurance rates are less than the national average. The average Kansas driver pays $77 per month for minimum-coverage car insurance and $147 per month for full coverage.
From Kansas City to Dodge City and beyond, Kansas drivers generally get into fewer accidents — and when they do, they file claims at lower rates and for a smaller amount than people living in other states.1 This translates into lower costs for everyone, but you can do things to save even more.
3 of the cheapest car insurance companies in Kansas
The best car insurance company for you depends on many different factors, including your age, gender, marital status, driving record, ZIP code, and more. This is why it’s important to compare quotes from multiple insurers to find the best policy for you.
As you begin your search, keep the following three insurers in mind.
Safeco
Dairyland
Midvale Home & Auto
How to get the cheapest car insurance in Kansas
Car insurance companies base your price on a lot of factors, such as your ZIP code, age, and gender. The good news is that you have control over some of the factors affecting your car insurance rates, including your credit and which company you buy a policy from.
Here are some quick tips to help you save as much money as possible on your car insurance:
Get several car insurance quotes every time your policy is up for renewal.
Look for the best deals and discounts insurance companies offer, especially for using a telematics device or mobile app to rate your driving.
When buying a car, consider one with more safety features, such as adaptive cruise control, automated braking, or backup cameras.
Cheapest liability-only car insurance quotes in Kansas: CSAA
Kansas state law requires you to purchase liability insurance, and if you’re looking to maximize your annual savings, a minimum-coverage policy is the way to go. This coverage will pay for any damages you may cause to others while driving and help with the cost of defending yourself in court. But liability insurance won’t pay for your damages or injuries.
Liability insurance in Kansas costs an average of $77 per month.
Here, you can see the lowest average rates from leading insurers in Kansas.
Cheapest full-coverage car insurance quotes in Kansas: State Farm
Full-coverage policies include all the minimum-required coverages, plus collision and comprehensive insurance to protect your car against damage. Lenders frequently require you to carry a full-coverage policy, but if you’ve paid off your car, it’s optional.
Kansas drivers pay a monthly average of $147 for full-coverage insurance.
Here, you can see full-coverage rates available from leading insurers in Kansas.
The average cost of car insurance changes as you age. Teen drivers typically pay the highest car insurance costs of any age group, and Kansas teens are no exception. Teen drivers are statistically more likely to get into an accident, and drivers younger than 25 were involved in 97 fatal crashes in Kansas in 2022.4
Rates are typically lower for middle-aged drivers, while prices start to increase again once you reach age 70. After this age, senior drivers have a higher risk of getting into a car accident.
The table below shows how much Kansas drivers pay for car insurance by age group.
Car insurance requirements in Kansas
Kansas is one of the few no-fault states in the country. This means insurers in Kansas generally reimburse their drivers for medical bills after a car accident rather than seeking payment from the other driver’s insurance company. Because of this, Kansas law sets higher minimum requirements for coverage than is typical in other states.
You can see the minimum requirements in Kansas in the table below:
In some cases, you may want to purchase higher limits of coverage, including:
Cheapest car insurance in Kansas by driving record
Your driving record has a huge influence on your car insurance premiums. Any negative incidents — even a speeding ticket — can lead to higher premiums, as insurers will deem you to be a higher risk. If you have a conviction for driving under the influence (DUI) or a history of one or more at-fault accidents, your rates may increase even further.
For example, Kansas drivers with a clean record pay an average of $77 per month for liability insurance. But Kansas drivers with a DUI pay an average of $124 per month.
Many factors influence your car insurance rates, including your ZIP code. See how liability and full-coverage rates compare for different cities in Kansas in the table below.
Kansas car insurance FAQs
If you still have questions about finding the lowest-cost car insurance in Kansas, the following answers can help.
The average rate for liability-only insurance in Kansas is $77, and the average rate for full coverage is $147. These rates make Kansas one of the more affordable states in the nation for car insurance.
CSAA offers the cheapest car insurance rates in Kansas, starting at $47. Other affordable insurers in the state include State Farm and Root, with respective monthly liability rates of $59 and $63.
But the cheapest company for you will depend on many factors, such as your age, ZIP code, type of car you drive, and coverage levels you choose.
Safeco, Midvale Home & Auto, and Dairyland rank as three of the top insurers in Kansas. Safeco routinely offers some of the state’s most competitive rates, while Midvale Home & Auto offers several discounts that make it an appealing option for families. Meanwhile, if you’re a high-risk driver, Dairyland offers more affordable coverage than you’ll find with many other insurers.
Liability coverage is the most affordable type of car insurance in Kansas. Liability rates are lower because this insurance only covers damage and injury costs that other parties suffer in an accident you cause. It doesn’t provide any coverage for your expenses.
The best way to find the most affordable car insurance for you is to compare quotes from multiple insurers at the same time using a price-comparison platform. This allows you to review not only premium prices but also the amount of coverage you’re getting for your money.
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