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Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
Even though Kansas car insurance premiums are below the national average, drivers still pay thousands of dollars per year. It's possible to knock the price down considerably, though, by focusing on the cheapest car insurance in Kansas. Here's a look at which companies offer the best car insurance at the lowest rates for several common driver profiles.
The average 35-year-old female driver with a clean record pays about $2,093 per year for Kansas auto insurance while her male counterpart pays about $2,099 per year. But Nationwide offers both men and women an average rate of just $1,613 per year.
These insurers are also some of the best car insurance companies in Kansas:
Drivers with a single accident pay about $2,927 annually for Kansas auto insurance, but those who go with American Family pay a much more affordable $1,683 per year.
These companies also offer some of the best car insurance in Kansas for drivers with an accident history:
Speeding tickets also raise the average Kansas auto insurance premium, though not quite as much as an accident. Drivers with one speeding ticket pay $2,537 per year on average, but those who choose Geico can knock almost $1,000 off that bill. Its customers with speeding tickets only pay $1,573 per year.
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These insurers also offer cheap auto insurance in Kansas to drivers with speeding tickets:
Young drivers pay the highest Kansas auto insurance premiums at $5,364 per year on average. Once again, American Family offers a much cheaper rate. The average 18-year-old with a clean record pays just $3,069 per year.
Teen drivers can also find cheap car insurance quotes in Kansas with these companies:
Seniors only pay about $1,762 per year for Kansas auto insurance. But those who choose National Farmers Union Insurance pay even less -- about $1,377 annually.
These companies also offer affordable car insurance in Kansas to senior drivers:
Kansas minimum car insurance only costs about $534 per year, but those looking to score an even better price should check with Geico. Its average annual premium for minimum coverage is just $281.
These insurers also offer cheap liability car insurance in Kansas:
Poor credit bumps the price of Kansas auto insurance up to $3,169 per year. But those who choose Nationwide can get the same coverage for just $2,286 per year.
These companies also offer affordable Kansas auto insurance to drivers with poor credit:
How much is car insurance in Kansas? That depends on several factors, like the driver's history, their vehicle make and model, their address, and more. But generally, Kansas auto insurance rates fall slightly below the national average. Here's a look at how its rates for some of the categories above stack up to the national averages.
| Average Rate Category | Kansas | National Average |
|---|---|---|
| Overall | $2,428 | $2,646 |
| Young drivers | $5,364 | $5,988 |
| 1 accident on driving record | $2,927 | $3,092 |
| 1 speeding ticket on driving record | $2,537 | $2,766 |
All drivers should familiarize themselves with these Kansas car insurance laws:
Kansas is a no-fault auto insurance state. This means in the event of a multi-car accident resulting in injuries, each driver bills their own insurance company. This is different from at-fault states, where the driver found to be at fault for the accident pays the medical bills for all parties involved.
Driving without car insurance in Kansas can lead to:
Drivers in Kansas must carry at least the following coverage:
Drivers must have at least:
Drivers must also carry at least $25,000 of property damage liability coverage.
Drivers need uninsured and underinsured motorist coverage in the same quantities as the bodily injury liability coverage listed above. Uninsured motorist coverage applies if a policyholder is hit by an uninsured driver. Underinsured motorist coverage helps the policyholder pay for the remainder of the damages if they're hit by a driver without enough insurance to pay for it all.
Kansas drivers must carry personal injury protection (PIP). The minimum amount required by law is:
Drivers seeking the cheapest car insurance in Kansas should try the following:
Here are a few other things to keep in mind when shopping for Kansas auto insurance:
Low-cost car insurance can be appealing, but it can also lead to huge financial problems in the event of an accident. If the damages exceed their policy's limits, the driver must pay for the remainder out of their own pocket. This could easily cost thousands or even tens of thousands of dollars. That's why it's often better to purchase more than state minimum coverage whenever possible.
Those who want help paying for their own vehicle repairs following an accident will need to add collision and comprehensive coverage. Collision coverage applies when a driver gets in an accident with another vehicle. Comprehensive coverage pays for damages related to an animal-vehicle collision, bad weather, theft, vandalism, and more.
RELATED: Need homeowners insurance? Check out The Ascent's guide to the best cheap Kansas homeowners insurance.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
