1. States
  2. Kansas
  3. Best Cheap Car Insurance

Best Cheap Car Insurance in Kansas

Enter your Kansas zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 21, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Wouldn’t it be so easy if we knew that one special company that has the cheapest coverage in Kansas? Regrettably, it’s not quite that easy, as there are a ton of unknowns such as if you have a coverage lapse, if you need full coverage or liability-only, and the number of miles you drive each year. This article will detail the types of things that cause high car insurance rates and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance in Kansas.

Everyone has different tastes in autos, and the style of vehicle you are insuring is one of the largest considerations when looking for the lowest-priced coverage in Kansas. Vehicles with average performance, excellent safety ratings, or low incidents of liability claims will cost much less to insure than high performance models. The information below features insurance costs for the cheaper automobiles to insure.

Insurance Rates for Popular Cars in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $770 $385 $64
Ford Fusion Sport 4-Dr Sedan $810 $405 $68
Honda Accord LX 4-Dr Sedan $638 $319 $53
Hyundai Sonata Limited 4-Dr Sedan $864 $432 $72
Kia Optima EX $864 $432 $72
Nissan Altima 2.5 S 4-Dr Sedan $796 $398 $66
Toyota Camry XLE $796 $398 $66
Toyota Corolla LE $796 $398 $66
Volkswagen Jetta SE 4-Dr Sedan $810 $405 $68
Get a Custom Quote for Your Car Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific Kansas garaging location which can revise premium rates noticeably.

Auto Insurance Rates for Popular SUVs and Crossovers in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 3.5D AWD $882 $441 $74
Buick Enclave CX AWD $810 $405 $68
Chevrolet Traverse LT 2WD $668 $334 $56
Ford Escape XLT 2WD $638 $319 $53
Ford Expedition King Ranch 2WD $766 $383 $64
Ford Explorer XLT 4WD $714 $357 $60
GMC Acadia SLT 2WD $756 $378 $63
GMC Terrain SLE AWD $696 $348 $58
Honda CR-V EX 2WD $638 $319 $53
Honda Pilot EX-L 2WD $770 $385 $64
Jeep Grand Cherokee Limited 4WD $810 $405 $68
Jeep Wrangler Sport Islander Package 4WD 2-Dr $698 $349 $58
Toyota Highlander Sport 4WD $770 $385 $64
Toyota RAV4 Limited 2WD $756 $378 $63
Get a Custom Quote for Your SUV or Crossover Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can modify premium rates considerably.

Insurance Rates for Popular Pickup Trucks in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $810 $405 $68
Chevrolet Silverado LT Crew Cab 2WD $864 $432 $72
Dodge Ram Quad Cab SLT 2WD $824 $412 $69
Ford F-150 FX2 2WD $770 $385 $64
Ford F-250 XLT Turbo Diesel 4WD $928 $464 $77
GMC Sierra 2500HD SLT Extended Cab 4WD $852 $426 $71
GMC Sierra 3500HD SLE Regular Cab 2WD $826 $413 $69
GMC Sierra SL Crew Cab 2WD $810 $405 $68
Toyota Tacoma Double Cab 4WD $770 $385 $64
Toyota Tundra Regular Cab 2WD $752 $376 $63
Get a Custom Quote for Your Truck Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in your specific Kansas location which can increase or decrease premium rates considerably.

Establishing which company has the cheapest insurance rates in Kansas will take a little more sweat than just getting one or two price quotes.

Every auto insurer has their own unique process for establishing rates, so to begin we’ll rank the lowest cost insurance companies in Kansas. It’s a good idea to know that Kansas insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply having another birthday, moving to a different location, or getting a reckless driving citation can produce rate changes that can make some companies affordable when they were higher priced.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest auto insurance in Kansas ranked by cost per year
Rank Company Cost Per Year
1 USAA $766
2 The Hartford $807
3 Allied $1,054
4 Travelers $1,062
5 Auto-Owners $1,063
6 Farmers $1,140
7 Farm Bureau Mutual $1,211
8 State Farm $1,245
9 California Casualty $1,255
10 Nationwide $1,256
11 American Family $1,362
12 Progressive $1,382
13 Safeco $1,470
14 National Farmers Union $1,473
15 Auto Club $1,509
16 Liberty Mutual $1,531
17 GEICO $1,609
18 Electric $1,611
19 Shelter $1,735
20 Safe Auto $1,811
Find Cheaper Rates Go

USAA quotes some of the lowest car insurance rates in Kansas at around $766 annually. The Hartford, Allied, Travelers, and Auto-Owners also are some of the most economical Kansas auto insurance companies.

As illustrated above, if you currently have coverage with The Hartford and switched to USAA, you may realize annual savings of approximately $41. Insureds with Allied might save as much as $288 a year, and Travelers insureds might reduce rates by $296 a year.

To find out how much you can save, click here to start your custom quote or click through to the companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Understand that those policy prices are averaged across all types of insureds and vehicles and do not take into consideration a price discount in Kansas. So the auto insurance company that has the lowest price for you may not even be shown in the list above. That’s why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

For drivers in Kansas, one of the largest components that are looked at to determine the amount you pay each year for auto insurance is where you live in Kansas. Cities with larger populations or higher claim trends like Garden City, Liberal, and Great Bend tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The information below shows the priciest cities in Kansas in which to purchase auto insurance.

Where does Kansas rank for car insurance cost?
Rank City Premium Per Year
1 Garden City $1,433
2 Dodge City $1,407
3 Liberal $1,376
4 Kansas City $1,355
5 Great Bend $1,260
6 Wichita $1,219
7 Leavenworth $1,195
8 Pittsburg $1,190
9 Hutchinson $1,160
10 Hays $1,159
11 Lawrence $1,145
12 Junction City $1,138
13 Emporia $1,134
14 Derby $1,130
15 Shawnee $1,127
16 Newton $1,119
17 Prairie Village $1,117
18 Olathe $1,113
19 Topeka $1,103
20 Overland Park $1,083
21 Leawood $1,081
22 Lenexa $1,071
23 Manhattan $1,069
24 Gardner $1,056
25 Salina $1,049
Get a Custom Quote Go

Rate information is approximated as the vehicle garaging location can decrease or increase price quotes greatly.

Discounts on the best cheap car insurance in Kansas

Discounts on insurance in KansasAuto insurance companies that offer quotes in Kansas may provide price discounts that could reduce prices by 25% or more if you meet specific eligibility requirements. A list of insurance companies and some of the premium reductions they offer are shown below.

  • Progressive offers discounts including online signing, multi-policy, homeowner, multi-vehicle, good student, and online quote discount.
  • The Hartford may have discounts that include anti-theft, air bag, good student, bundle, defensive driver, vehicle fuel type, and driver training.
  • Mercury Insurance offers discounts for type of vehicle, good student, location of vehicle, multi-car, good driver, and low natural disaster claims.
  • GEICO discounts include good student, defensive driver, five-year accident-free, membership and employees, multi-vehicle, anti-lock brakes, and driver training.
  • AAA policyholders can earn discounts including multi-policy, pay-in-full, good driver, multi-car, anti-theft, and good student.
  • State Farm may offer discounts for Drive Safe & Save, accident-free, good student, student away at school, safe vehicle, and passive restraint.

The chart below compares insurance costs with and without discounts. The rates are based on a female driver, no violations or accidents, Kansas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, marriage, multiple policy, accident-free, defensive driving course, and passive restraint discounts applied. When discounts are applied, the average savings per year on insurance in Kansas is 28% or $344.

Picking a good quality auto insurance company can be a challenge considering how many companies there are in Kansas. The company ratings displayed below could help you decide which providers you want to consider when shopping around.

These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not factored into the list. If you’d like to compare prices from these companies and more, just click here.

Top 10 Major Car Insurance Companies in Kansas Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Liberty Mutual
  6. GEICO
  7. Travelers
  8. Allstate
  9. The Hartford
  10. Esurance

Top 10 Major Car Insurance Companies in Kansas Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. Safeco Insurance
  8. GEICO
  9. The General
  10. Esurance

Last year’s bargain might be this year’s rip off

Kansas insurance rates are influenced by many factors that may substantially change the cost of your policy. Getting older, buying a different vehicle, or getting a couple of tickets can cause premium changes that can cause some rates to be more affordable than the competition.

And not only may your rating factors change, but insurance companies modify rates as often as every three months in order to remain profitable. Larger than normal claims can cause a rate increase, while a better loss history can result in lower-cost Kansas car insurance rates.

To illustrate this example, the bar chart below shows which company has the cheapest car insurance in Kansas for a 30-year-old female driver with no violations or accidents, and a good credit history. If we estimate prices based on her current situation, USAA may have the most affordable car insurance rates in Kansas at $773 per year. This is $645 less than the average policy premium paid by Kansas drivers of $1,418. The Hartford, Auto-Owners, Travelers, and Allied are also included in the top five cheapest Kansas auto insurance companies.

The next chart shows rates after we give the driver from the above example an accident surcharge, poor credit, and a speeding ticket. Since every insurance provider has their own formula to establish rates, analyzing rates most likely will result in a significantly different list of cheap Kansas auto insurance companies as shown below.

The Hartford now has the best car insurance rate in Kansas with Farm Bureau Mutual, California Casualty, Nationwide, and State Farm also having competitive pricing. This example demonstrates why drivers need to shop around when trying to get cheap insurance rates in Kansas. Prices can be determined by many things and change dramatically, so the lowest-price company a year ago may now be wasting a lot of money.

Use our FREE quote tool to compare insurance rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles