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3 Best Cheap Car Insurance in Kansas

Watch out for unique road hazards in Kansas  — flying houses, witches and monkeys. Oh, wait. That’s only in the Wizard of Oz. The Sunflower State is mostly rural, so real-life auto insurance is generally lower than in most states. We’ve rounded up some information on the best cheap car insurance to help protect you and your family before you roll out on Kansas’ 135,000+ miles of roadway.

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Quick Look: Best Cheap Car Insurance Kansas

  1. State Farm: Best Overall
  2. USAA: Cheapest & Best for Military Families
  3. Farm Bureau: Best for Multiple Cars

Kansas Car Insurance Overview

  • Average number of vehicles per household is 2
  • Minimum state insurance requirements
    • $25,000 per person for bodily injury
    • $50,000 per accident for bodily injury
    • $25,000 per occurrence for property 
    • $25,000 per person for uninsured/underinsured motorist bodily injury
    • $50,000 per person for uninsured/underinsured motorist bodily injury coverage
    • $2,000 for PIP funeral expenses per person
    • $4,500 for PIP medical coverage per person
    • $4,500 for PIP medical coverage per person
    • $900 per month for PIP  loss of income up to 1 year
    • $25 per day for PIP home medical services up to 1 year
  • The average rate with a clean driving record is $863 per year

Kansas Car Insurance Law Explained

Kansas is a no-fault insurance state. It means that after an accident, the personal injury protection (PIP) coverage of each driver’s insurance pays for medical bills and other economic losses, regardless of which driver is at fault for an accident.

PIP covers you, your family members or other passengers who are injured in the vehicle unless they have their own auto insurance policy, in addition to accident coverage. PIP pays for medical expenses, disability, lost income and the cost of necessary in-home services. It’ll also pay for rehabilitation expenses and funeral and burial costs, up to the coverage limits.

You can step outside of the no-fault system and file a lawsuit against an at-fault driver in Kansas, but you must exceed your PIP amount and have suffered a serious injury, which Kansas defines as:

  • Permanent disfigurement
  • Fracture of weight-bearing bone
  • Compound, compressed or displaced fracture of any bone
  • Permanent loss of body function

No-fault rules apply only to personal injury after an accident. You can file a vehicle damage claim for property damage during the incident under your own collision coverage or you can file a claim against an at-fault driver to get your property fixed or replaced.

Kansas Traffic Laws You Should Know

Here are some Kansas traffic laws you need to know:

  • New residents: You must obtain a driver’s license from the state within 90 days of becoming a resident.
  • Teen drivers: Drivers between the ages of 14–16 can get a farm permit to drive a tractor or other machinery. You can get a driver’s permit at 15–16, which will allow you to drive only to and from work and school. You may not have younger siblings in the car.
  • Cellphones: It’s illegal to send, write or read text messages or emails as you drive.
  • Suspensions: Your driver’s license may be suspended if you’re convicted of 3 moving violations within a year, fail to have liability insurance coverage on a vehicle while driving it or fail to report a traffic accident.
  • Seat belts: You and your passengers must wear a seat belt. Children younger than 4 must be in a child safety seat. Children ages 4–8 must be in a child safety or booster seat unless they weigh more than 80 pounds or are taller than 4’9”. 
  • Following: Kansas requires drivers to follow the 2-second rule, which means you must allow at least 2 seconds of space between you and the vehicle you follow. You must follow the 4-second rule to allow time to stop or avoid a crash if road or weather conditions are bad.
  • Buses: You’re required to stop for any school bus, daycare bus or church bus that stops to load or unload children. Vehicles on the other side of a divided highway do not have to stop, but if the road is separated only by a double yellow line, all traffic must stop.
  • Emergency vehicles: You must attempt to move your vehicle to allow 1 lane between your vehicle and an emergency vehicle stopped on the side of the road. Slow down and prepare to stop if you can’t change lanes. 
  • Corrective lenses: You must wear prescribed corrective lenses while driving.

Kansas Cheap Car Insurance Rates per Vehicle

The Toyota Camry, Chevrolet Silverado and the Dodge Ram 1500 are among the most popular vehicles in Kansas.

The type of vehicle impacts auto insurance rates. That’s because auto insurance providers often develop vehicle safety ratings by collecting data from customer claims and analyzing auto industry safety reports. Insurance carriers offer lower rates for vehicles that fare better than average. 

Your driving record and your zip code also factor into your auto insurance rate. Be sure to compare auto insurance rates, discounts and coverage for your vehicle’s make and model to find the best deal.

Cheap Car Insurance Rates by Credit Score

Auto insurance companies are always looking for ways to better predict the risk that an insured customer might file a claim. Your credit score is one tool used to factor your insurance rate and helps insurance companies weigh the risk you pose — the more risk you pose as a borrower, the more likely you’ll pose a risk when the auto company insures you.

Information from your credit report is used to calculate your insurance score — it’s a good idea to boost your credit score. Your insurance scores can increase and can help you get the best cheap car insurance.

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300–579Dairyland$2,232
Fair 580–669Esurance$1,963
Good 670–739Electric Auto$1,548
Excellent 740+Safe Auto$1,187

Insurance for Drivers with a Clean Record

Good drivers are more likely to avoid accidents and incidents on the road. You’re also more likely to have a clean driving record — you likely follow the speed limits and are a defensive driver. You may also avoid driving while you’re tired and you avoid distractions like disciplining the kids, trying to find your favorite song and talking on the phone. 

Good driving habits pay off — you’ll be able to get cheaper insurance rates for state-minimum levels of insurance, standard and full coverage.

  • Minimum insurance coverage will only pay for minimal amounts of damage you do to someone else’s vehicle or for personal and property injuries. 
  • Standard coverage is liability insurance that covers bodily injury and property damage that results from an accident that’s primarily the insured driver’s fault. 
  • Full-coverage policies means that liability and damage to your car are covered.

Here’s an idea of how much you’ll pay for state minimum, standard and full coverage:

Insurance CompanyState Minimum InsuranceStandard CoverageFull Coverage
Farmers$808$1,160$2,284
USAA$867$1,724$2,252
Progressive$704$1,469$2,559
Shelter$973$1,376$2,787
Safe Auto$758$1,318$2,186

Insurance Rates with Driving Infractions

Are you serious about keeping a good driving record and cheap insurance rates? If so, you’ll want to avoid common driving infractions such as an at-fault accident, speeding, failing to stop at a light or driving drunk. Here’s the difference driving infractions can make in your insurance rate with these 5 auto insurers in Kansas.

Insurance CompanyAt-Fault Accident Speed Violation DUI
Kemper$2,873$1,532$6,653
American Family$2,456$1,603$5,501
AAA$2,537$1,496$4,682
Farmers$2,887$1,516$5,297
MetLife$2,695$1,674$6,648

Best Cheap Car Insurance Providers in Kansas

Benzinga compared dozens of insurance providers to help you determine the best car insurance provider for you.

1. Best Overall: State Farm 

State Farm is the best overall auto insurance company in Kansas, but not because it has the cheapest premium prices. State Farm is the auto insurer for people who place a high value on customer service. Unlike many auto insurers, it offers coverage for antique and classic cars.

You can feel good about State Farm because it’s financially sound and highly rated by the Better Business Bureau, A.M. Best and Standard & Poor’s. State Farm also offers a good selection of discounts for accident-free drivers, multiple policies, good students, good drivers, anti-theft devices and more.

2. Cheapest Car Insurance in Kansas: USAA

USAA is the cheapest auto insurance company in Kansas — but it’s only available to military families. It’s ranked highest for claims and overall experience in J.D. Power’s regional evaluation.

Consumer Reports gives USAA a 95 on a 100-point scale and excellent ratings in all categories, and USAA also has the strongest financial strength ratings from A.M. Best, Moody’s and Standard & Poor’s.

3. Best Coverage for Multiple Cars: Farm Bureau

You’ll get the standard set of coverage options with Farm Bureau — similar to State Farm — and you’ll get fewer discounts. Farm Bureau has good financial ratings and gives you the option to combine multiple vehicles and home insurance into a single policy with only 1 deductible.

The Farm Bureau’s Member’s Choice policy means you only have to make 1 insurance payment every month. For example, if a storm damages more than 1 vehicle and your home, you have to pay 1 deductible before you can start collecting money on your claims.

4. Best for Military Personnel: USAA

USAA is known for its friendly customer service and quick claims settlements. It’s financially strong and has nabbed high ratings in J.D. Power’s Auto Claims Satisfaction Study. USAA is among the best insurance providers in the industry, but its services are only available to current military members, including active duty, military veterans and retirees who have honorably served, spouses of current or former service members and children of USAA members.

Get Cheap Car Insurance in Kansas 

Kansas’ most expensive car insurance can be found in Kansas City and its suburban communities, but we have more information on how to lower your car insurance around the state. Compare a few companies in a few critical areas so you find the best car insurance for you.

Frequently Asked Questions

1) Q: How does my personal credit play a role?

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1) Q: How does my personal credit play a role?
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Insurance carriers run credit scores to help determine policy premiums. Your insurance rates will likely be lower if you have an excellent credit score. On the other hand, your insurance rates may be higher if you have a poor credit score. Insurance companies believe credit scores are an indicator of whether you’ll make your insurance payments on time and credit scores combined with other data can be predictive of risk. Check out the best companies for all credit scores now.

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2) Q: What kind of discounts are usually available?

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2) Q: What kind of discounts are usually available?
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The most common discounts available are multi-policy and auto-pay, but every company is different. Other discounts that are widely available are loyalty, good student and anti-theft device discounts. See our top providers with the best discounts and get a unique quote.

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3) Q: Is there any way I can lower my insurance premiums?

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3) Q: Is there any way I can lower my insurance premiums?
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You can often get a lower premium by maintaining coverage without any gaps in coverage. You can also lower your premium with discounts. Bundling your products is another way to lower your car insurance premiums. Get a customized quote to see if you can lower your premiums.

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