Last updated: March 20, 2026Best Auto Insurance in Kansas of 2026
GEICO, USAA, State Farm, Shelter and American Family are our top picks in Kansas.
Best for Bundling
Editor's Rating:
4.9/5
4.9/5Full Coverage Averages in Kansas
- Annual premium: $2,172
- Monthly premium: $181
Best for Military/Veterans
Editor's Rating:5/5
5/5Full Coverage Averages in Kansas
- Annual premium: $1,443
- Monthly premium: $120
Best Cheap
Editor's Rating:4.2/5
4.2/5Full Coverage Averages in Kansas
- Annual premium: $1,692
- Monthly premium: $141
Key Takeaways
- Kansas drivers can find some of the best auto insurance from State Farm, USAA, GEICO, Shelter, and American Family, depending on their needs and preferences.
- The average cost of car insurance in Kansas is $2,377 per year for full coverage and $617 for minimum coverage, both of which are around the national average.
- The rates listed here are averages, which are helpful when comparing companies, but keep in mind that your quoted premiums will likely differ based on your driving profile and other factors.
Summary of the Best Auto Insurance in Kansas
- Best for Bundling: State Farm
- Best for Military and Veterans: USAA
- Best Cheap: GEICO
- Best for Customer Service: Shelter
- Best for Leased and Financed Cars: American Family
Compare the Best Cheap Auto Insurance in Kansas
| Company | Full Coverage Monthly Avg. in KS | Minimum Coverage Monthly Avg. in KS | Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $181 | $45 | Above average |
| GEICO | $141 | $34 | Below average |
| USAA | $120 | $26 | Above average |
| Shelter | $178 | $53 | Above average |
| American Family | Data unavailable | Data unavailable | Above average |
| Kansas | $198 | $51 | – |
Breaking Down the Best Cheap Auto Insurance in Kansas
1. Best for Bundling - State Farm
What We Like Most:
- Strong customer service
- Great bundling discounts
- Rideshare coverage add-on
Why we chose it
Bundling is a great way to lower your insurance premiums and manage your various policies from the same State Farm account. The company even made our list of overall best companies for bundling auto insurance. With State Farm, you can bundle your auto insurance with your homeowners, renters, condo, or life insurance. You can also insure more than one car to save up to 20 percent on your policy.
State Farm offers a user-friendly mobile app through which you can pay your bills, track claims, review your policy, and more. It also gives you access to State Farm’s telematics programs, Drive Safe & Save and Steer Clear, which can save you even more on your premiums. State Farm scored higher than average on J.D. Power’s Digital Experience Study, indicating that customers are satisfied with its overall digital service offerings, including its online policy management option and quote tool.
DID YOU KNOW?
Customers who switched to State Farm in 2025 saved an average of $1,429 by bundling home and auto insurance.1
Who it’s best for
Homeowners and renters, customers who prefer to work with an agent
State Farm Kansas Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $181 | $45 |
| Annually | $2,172 | $537 |
| Difference from Kansas average | -9% | -13% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Excellent customer service record
- Cheap rates for military drivers
- Pay-per-mile telematics program
Why we chose it
Kansas is home to over 20,000 active-duty military members and families and over 150,000 veterans.2 3 With an average annual full coverage rate of $1,443 in Kansas, USAA is the cheapest provider on our list and the best choice for Kansans who are eligible for USAA memberships. USAA offers several discounts on car insurance rates, including storage, bundling, safe driver, good student, and new car discounts.
The company is technically ineligible to be ranked in J.D. Power’s auto insurance customer satisfaction survey because its availability is limited to those with a military affiliation, but its scores are consistently high. It earned the highest score in the 2025 Auto Insurance Study for the Central region and the second-highest score in the 2025 Claims Satisfaction Study, indicating that USAA customers are generally happy with the company’s service.
PRO TIP:
USAA was one of our top picks for new-car owners. Check out our guide to the best auto insurance for new cars to learn more.
Who it’s best for
Military members, veterans, and their families; rideshare drivers; households with young drivers
USAA Kansas Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $120 | $26 |
| Annually | $1,443 | $313 |
| Difference from Kansas average | -39% | -49% |
3. Best Cheap - GEICO
What We Like Most:
- Affordable rates for Kansas drivers
- Military discounts
- Convenient online purchasing
Why we chose it
In Kansas, GEICO’s rates are among the most affordable for safe drivers — its average premiums for both full and minimum coverage are around 30 percent cheaper than the state average. It also has a long list of discounts to help policyholders save. GEICO is a good choice for customers who feel comfortable shopping and managing their policies digitally.
While its rates are higher for certain high-risk drivers, GEICO offers some of the cheapest rates for those with poor credit as well. Insurance companies classify drivers with low credit as high-risk because statistically, they are more likely to file claims. Unfortunately, this means drivers with low credit can expect higher premiums. In Kansas, GEICO’s average rate for drivers with low credit is 46 percent cheaper than the state average.
Who it’s best for
Drivers who are looking for cheap rates in Kansas, those with low credit, customers who prefer to buy a policy online
GEICO Kansas Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $141 | $34 |
| Annually | $1,692 | $413 |
| Difference from Kansas average | -29% | -33% |
4. Best for Customer Service - Shelter
What We Like Most:
- Stellar customer satisfaction ratings
- Wide range of discounts
- New car replacement included
Why we chose it
Shelter is a regional insurer with a strong customer service record. It ranked first in J.D. Power’s 2025 Auto Insurance Study for customer satisfaction in the Central region, and it earned a B- grade on the CRASH Network Report Card. For the Plains region specifically, it earned a B grade. Shelter sells policies through local agents, giving you a chance to discuss your coverage needs and find a policy that works for you.
Shelter sells a wide range of insurance policies beyond auto, including home, renters, RV, boat, farm, life, and flood insurance. The company offers a discount if you bundle your auto policy with a home or renters policy. In addition, all Shelter policies include new car replacement coverage, which will pay to replace your car with a new one of the same year, make, and model if yours is totaled. Your car must be less than a year old with fewer than 15,000 miles on the odometer to be eligible.
Who it’s best for
Those prioritizing customer service, drivers of new cars, those looking for full coverage
Shelter Kansas Pricing
| Shelter | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $178 | $53 |
| Annually | $2,133 | $639 |
| Difference from Kansas average | -10% | +4% |
5. Best for Leased and Financed Cars - American Family
What We Like Most:
- Offers gap coverage
- Highly-rated digital experience
- Generous bundling discount
Why we chose it
American Family is one of the most highly-rated companies for customer satisfaction in the Central region according to J.D. Power, ranking third in its most recent Auto Insurance Study. Unlike some other companies on this list, it offers gap coverage, which may be required by your lender if you lease or finance your car. American Family also has a variety of discounts as well as two usage-based insurance programs, which can save you a significant amount.
DriveMyWay is a standard telematics program that uses the American Family app to track your driving habits, including cell phone use, braking, and speeding. You’ll get a 15 percent discount for signing up and a 10 to 35 percent discount at renewal based on your driving score. Meanwhile, MilesMyWay provides a discount of up to 25 percent if you drive less than 8,000 miles per year. This program doesn’t require any app tracking — you’ll simply need to submit a photo of your odometer twice a year.
Who it’s best for
Drivers who lease or finance their car and need gap coverage, teen drivers, low-mileage drivers
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Central4 | CRASH Network Report Card5 | J.D. Power Claims Satisfaction6 | NAIC Complaint Index7 |
|---|---|---|---|---|
| Shelter | 673 | B- | Not rated | 0.61 |
| American Family | 660 | C+ | 702 | 0.81 |
| State Farm | 664 | D+ | 716 | 0.98 |
| GEICO | 641 | C- | 697 | 1.45 |
| USAA | 719 | C- | 741 | 1.62 |
| Average | 649 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Kansas
Full Coverage Rates in Kansas
A full coverage policy in Kansas costs slightly more annually than the national average. Drivers in Kansas can expect a full coverage policy to cost around $2,377 annually, or $198 a month.
| Category | Full coverage average (annual) | Full coverage average(monthly) |
|---|---|---|
| Kansas average | $2,377 | $198 |
| National average | $2,356 | $196 |
Minimum Coverage Rates in Kansas
The rates for a minimum coverage policy in Kansas are slightly lower (15 percent) than the national average. Typically, minimum coverage rates in the state are around $617 per year, or $51 a month.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Kansas average | $617 | $51 |
| National average | $722 | $60 |
Auto Insurance Rates in Kansas by City
Auto insurance rates can vary significantly by city. We found that Kansas City has some of the highest premiums among metropolitan areas in the state at $2,803 a year. The cheapest major city in Kansas for auto insurance is Olathe, where the average annual rate is $2,279. We recommend comparing multiple quotes to find the best rates for you based on your needs, driving history, and location.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Kansas City | $2,803 | $234 |
| Wichita | $2,648 | $221 |
| Topeka | $2,397 | $200 |
| Overland Park | $2,343 | $195 |
| Olathe | $2,279 | $190 |
How Many Car Accidents Happen in Kansas?
In 2023, there were a total of 59,865 car accidents in Kansas.8 Three hundred and fifty-three of those crashes were fatal, 13,822 involved injuries, and 45,690 involved only property damage. These accidents caused 387 deaths and 19,298 injuries. Around 7 percent of accidents that year were related to speeding, and about 4 percent involved alcohol.
Minimum Auto Insurance Requirements in Kansas
Kansas state law requires the following minimum coverage limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist: $25,000 per person/$50,000 per accident
- PIP:
-
- $4,500 per person in medical expenses
- $900 per month for one year for disability and loss of income
- $25 per day for in-home services
- $2,000 for the funeral, cremation, or burial expenses
- $4,500 for rehabilitation
Kansas is a no-fault state for auto insurance, meaning that all drivers are responsible for covering their own medical costs in an accident, regardless of who is at fault. Personal injury protection (PIP) coverage helps pay for these expenses. However, it’s still wise to get higher liability limits in case you cause damage that exceeds someone else’s PIP coverage or you injure a pedestrian. If you want coverage for your own vehicle, you’ll also need to add full coverage, which includes comprehensive and collision coverages.
Methodology
We identified the top car insurance companies in Kansas by assessing providers across the following four main criteria:
- Pricing (40%): We looked at the average yearly rates for full and minimum coverage for a good driver profile in Kansas. We also looked at available discounts, like multi-policy bundles, usage-based programs, and good-student discounts. We used state limits for minimum coverage and the following limits for full coverage:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- PIP: State-required limits
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): We value a provider’s ability to process claims efficiently and fairly. We reviewed third-party studies from sources such as J.D. Power’s Claims Satisfaction Study and Crash Network’s Insurer Report Card for companies operating in Kansas.
- Customer experience (25%): We assessed the customer journey of getting a quote, purchasing a policy, and dealing with the insurer based on factors such as the ease of retrieving a quote and buying a premium, and customer satisfaction scores for Kansas. We also reviewed third-party sources, such as the J.D. Power U.S. Auto Insurance Study, the Better Business Bureau, and the NAIC Complaint Index.
- Coverage options (10%): We prefer providers that offer coverage types beyond Kansas’ minimum requirements. These include add-ons such as rideshare insurance, vehicle replacement coverage, and accident forgiveness.
Frequently Asked Questions
USAA, Travelers, and GEICO have some of the cheapest car insurance in Kansas. However, your insurance rates will vary depending on several factors, including your age, vehicle type, coverage needs, and location. The best way to find the cheapest rates in Kansas is to compare quotes from at least three providers.
Car insurance in Kansas costs an average of $2,377 per year for full coverage, which is around the national average. The average for minimum coverage is $617 per year, which is lower than the national average.
No, Kansas is not an at-fault state. Kansas is a no-fault state for car insurance, meaning that drivers are required to have personal injury protection (PIP) insurance to cover their medical expenses and other related losses, regardless of who is at fault in an accident. However, Kansas also allows for certain circumstances in which an injured party can file a claim against the at-fault driver. This is possible if the injuries meet a specific threshold, such as medical expenses exceeding $2,000 or suffering from severe injuries such as permanent disfigurement or the loss of a body part.
Sources
Save up to $1,429 when bundling auto & home insurance. State Farm. (2026).
https://www.statefarm.com/insurance/bundlingState Summaries Kansas. National Center for Veterans Analysis and Statistics. (2017).
https://www.va.gov/vetdata/docs/SpecialReports/State_Summaries_Kansas.pdf2022 Demographics Profile of the Military Community. U.S. Department of Defense. (2022).
https://download.militaryonesource.mil/12038/MOS/Reports/2022-demographics-report.pdfIt’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmTraffic Accidents in Kansas, by County, 2023. Kansas Department of Transportation. (2023).
https://ksdata.ku.edu/ksdata/ksah/trans/15trans13.pdf
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