Compare Cheap Auto Insurance in Kansas

Full coverage auto insurance provides financial protection beyond the state’s minimum liability requirements, covering damage to your own vehicle. For military-affiliated drivers, the cheapest provider in Kansas for full coverage is USAA, with an average annual premium of $1,443.

For those who don’t qualify for USAA, Travelers ($1,565 annually) and GEICO ($1,692 annually) provide the next cheapest rates.

For those looking for basic protection, USAA offers the cheapest minimum coverage in Kansas, at $313 annually. If you’re not eligible for USAA, consider GEICO, which offers affordable minimum coverage for $413 annually. Progressive is also a solid option.

Teen drivers often face high insurance premiums due to their inexperience behind the wheel. Travelers ($3,646 annually) has the cheapest rates for Kansas households with teen drivers, followed by USAA ($4,365 annually).

A speeding ticket in Kansas typically raises your auto insurance premium by 15 to 20 percent. In Kansas, USAA offers the lowest average premium for drivers with a speeding ticket, at $1,466 annually, followed by Travelers, at $1,885.

USAA offers the best rate for drivers with an at-fault accident in Kansas, with an annual average premium of $1,712. For those who don’t qualify, Travelers ($1,982 annually) and State Farm ($2,507 annually) also offer cheaper-than-average rates.

Driving under the influence (DUI) significantly raises auto insurance premiums. In Kansas, Travelers offers the most affordable premium for drivers with a DUI. Progressive and USAA are next-cheapest.

In Kansas, insurance companies may use your credit history when determining your premium. Drivers with low credit face higher rates, but USAA and GEICO offer the cheapest coverage for those with low credit, at $2,195 and $2,199 annually. Travelers follows at $2,409.

USAA scored the highest in the Central region in J.D. Power’s customer satisfaction survey, but this provider is available only to veterans and military members. USAA received a lower grade on the CRASH Network Insurer Report Card, which surveys collision repair shops on insurers’ claims practices. Shelter scored at the top of the Central region in J.D. Power’s 2025 study, and it also fared well on CRASH Network’s Insurer Report Card, making it our top pick for drivers who are looking for great claims service and customer satisfaction.

The best auto insurance in Kansas for you depends on several factors, including your driving record, location and coverage needs. Here are some tips to help you find the cheapest rates:

• Compare quotes. Always get quotes from at least three providers to ensure you’re getting the best deal. In Kansas, we’d recommend getting quotes from GEICO, Nationwide, State Farm or Shelter to start, as well as from USAA if you’re eligible for membership.
• Look for discounts. Many companies offer discounts for policy bundles, safe driving or low mileage. Bundling, for example, allows you to decrease your insurance premium significantly (sometimes by more than 20 percent) if you add a renters or homeowners policy to your auto insurance policy.
• Try pay-per-mile insurance. If you drive infrequently or short distances, pay-per-mile insurance can reduce your annual auto insurance costs. Most pay-per-mile insurance programs rely on technology to track your driving habits and mileage; they charge a base rate per month and a variable rate per mile.
• Increase your deductible. Raising your deductible can lower your premium, but be sure to weigh the savings against the higher out-of-pocket cost in the event of a claim.

Kansas City has the highest auto insurance premiums in the state, with an average annual cost of $2,803 for full coverage. Wichita is the next highest, at $2,648. The cheapest major cities for auto insurance in Kansas are Olathe ($2,279) and Overland Park ($2,343).

Kansas is a no-fault state, so the minimum auto insurance requirements are higher than those of most other states. Here’s what Kansas requires for every personal car insurance policy:

• $25,000 per person/$50,000 per accident in bodily injury liability coverage
• $25,000 per accident in property damage liability
• $4,500 per person in medical expenses
• $900 per month for one year in disability/loss of income
• $2,000 for funeral, burial or cremation expenses
• $4,500 in rehabilitation expenses to train for reemployment
• $900 per month for one year in disability/loss-of-income survivor benefits
• $25 per day for up to one year in substitution benefits
• $25,000 per person/$50,000 per accident in uninsured/underinsured bodily injury liability⁴

Note that although Kansas’ minimum coverage goes beyond what most other states require, it still doesn’t pay for damage to your car caused by an at-fault accident or non-collision event. To cover these types of damages, you would need collision insurance, which helps pay for repairs or replacement if your car is damaged in a crash, and comprehensive insurance, which covers damage from incidents such as theft, vandalism or natural disasters.

We analyze average auto insurance premiums in Kansas for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Kansas-required no-fault coverage
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible