Compare Kansas Car Insurance Rates [2024]

With over 140,000 miles of public road, Kansas has the country’s third-largest state highway system after Texas and California. Kansas is also said to be flatter than a pancake – that can make for some easy driving along the plains, which are often filled with wheat, a grain it produces more of than any other state.

Oftentimes, researching car insurance isn’t easy, and can lead to some bumps along the road. Many of us would prefer to put it off or avoid it altogether.

We want your ride while you shop around to be a smooth one. You’ll find everything you need here — your one-stop guide to all things insurance and then some.

We’ve got the best coverage and rates, information on providers, and safety options to consider when you choose your insurance. To top it off, you’ll also learn about state laws and driving statistics.

Enter your ZIP code now to search for the best car insurance rates in Kansas!

Kansas Insurance Coverage and Rates

It can be tough to pay lots of money every year for a car insurance policy. Kansas requires all drivers to have insurance and finding the best coverage and prices can be frustrating.

We’re going to explain insurance options, rates, and companies to help you understand what you’re buying.
So, look no further. Let’s dive in!

Kansas Minimum Insurance Coverage

Kansas is a “no-fault” accident state, which means that you submit your claim to your insurance company. Your basic Personal Injury Protection (PIP) coverage will pay for your medical bills and certain other out-of-pocket losses regardless of who caused the crash.

Below are the minimum PIP requirements in Kansas:

• $4,500/person for medical expenses
• $900/month for one year for disability/loss of income
• $25/day for in-home services
• $2,000 for a funeral, burial, or cremation
• $4,500 for rehabilitation

• Survivor Benefits: Disability/loss of income up to $900/month for one year
• In-home services up to $25/day for one year

Liability insurance pays everyone owed money for property damage and/or injuries from a car accident that you or anyone under your policy has caused – drivers, passengers, pedestrians, bicyclists, etc.

Kansas’s minimum liability insurance coverage requirements are as follows:

• $25,000 for injury or death per person in an accident caused by you
• $50,000 to cover total injuries or the death per accident the insured caused by you
• $25,000 for property damage in an accident the insured driver caused by you

State law requires drivers to also carry uninsured/underinsured motorist coverage with minimums of $25,000 per person and $50,000 per accident.

Take a look at how different states can affect the minimum coverage costs.

Forms of Financial Responsibility

Kansas law requires drivers to have car insurance and to show proof of coverage when a law enforcement officer asks them to do so. The Sunflower State doesn’t have a financial responsibility law but accepts the SR-22 and SR-26 for major convictions such as driving under the influence.

The filing requirement period is one year and terminates automatically with no notice to the Kansas Department of Revenue – Division of Vehicles at that time. If coverage ends in less than 12 months, an SR-26 is necessary. The driver is required to keep the SR-22 valid and current with the state for one year. The one-year period begins when the Division receives the SR-22.

The penalties for driving without insurance can include:

• fines of $300 to $1,000 for first-time offenders
• subsequent violations: fines of $800 to $2,500
• six months in prison for continuing violations
• suspension of vehicle registration with a $100 fee for reinstatement

Next, we’ll look at how much the average Kansan spends on car insurance to help you determine how much you can afford.

Premiums as a Percentage of Income

In 2014, the annual per capita disposable personal income (DPI) in Kansas, after taxes have been paid, was $41,634.

The average annual cost of car insurance in Kansas is $851, which is two percent of the average DPI.

The average Kansas resident has $3,470 each month to buy food, pay bills, etc. Car insurance will take about $71 out of that, and possibly more if your driving record isn’t clean.

Liability, comprehensive, and collision insurance are all part of full coverage policies. This is the average cost of each:

Average Monthly Car Insurance Rates in KS (Liability, Collision, Comprehensive)

The above data is from the National Association of Insurance Commissioners. You can expect car insurance rates in Kansas to be significantly higher for 2019 and on.

Remember: though having the required insurance is important, you should also buy additional coverage to protect yourself and others in case you’re in an accident.

Next, you’ll find extra coverage options you can add to a basic insurance plan.

Additional Liability Coverage

Kansas drivers also can buy optional medical payments coverage (MedPay) of at least $5,000 to cover more medical expenses after an accident regardless of who is at fault for the crash.

How much risk you’re willing to take when you drive is up to you, whether you want to get the minimum or buy more coverage to protect yourself and your loved ones from extra costs and potential lawsuits from damaging accidents.

The experts at the Wall Street Journal advise drivers who buy liability insurance make sure that they increase the limits to 100/300/50.

Now, let’s see some stats about loss ratios in Kansas.

Loss Ratio

A loss ratio compares how much a company spends on claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company spent $60 on claims out of every $100 earned in premiums.

MedPay is optional in Kansas, however, uninsured motorist coverage is required. In 2015, 13 percent of drivers in the U.S. and 7.2 percent of motorists in Kansas were uninsured, despite the potential penalties.

Kansas ranked 44th in the nation in 2015 for uninsured or underinsured drivers.

Unless you sign a form that states you don’t want uninsured motorist coverage, your agent is legally required to provide it to you.

Add-ons, Endorsements, Riders

We know getting the complete coverage you need for an affordable price is your goal.

One helpful resource is Auto & Homeowners’ Insurance Shoppers Guide by the Kansas Department of Insurance. It details all the insurance options available. And, the information doesn’t stop there! The Kansas DOI’s Auto Shoppers Worksheet is a useful checklist for finding the best rates.

You can add many powerful but cheap extras to your policy.

One option is Usage-Based Insurance programs (UBI), such as SmartRide from Nationwide, Snapshot from Progressive, or Drivewise from Allstate. They give discounts to drivers based on how well they drive.

Check out these optional coverage enhancements:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance, such as towing
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance

Average Monthly Car Insurance Rates by Age & Gender in KS

It’s a common conception that men pay more for car insurance than women, but did you know that age actually has a greater impact on your rates?

Your gender can affect your car insurance rates, as you’ll see below:

Here you’ll find the Most Expensive Demographicrates in Kansas.

Regardless of your age, gender, or marital status, it pays to find the best rates.

Kansas Insurance Rates by ZIP Code

Where do you think you’ll find the lowest car insurance rates?

Let’s examine the most expensive ZIP codes in Kansas, together with the average annual premiums for each insurance carrier by city and ZIP code:

Let’s see the most and least expensive cities for car insurance in Kansas.

Exploring Options to Compare Car Insurance Rates in Your City

Uncover car insurance rates in various cities across Kansas. The table below presents data for Anthony, Augusta, Bird City, Edna, Emporia, Manhattan, Olathe, Salina, Topeka, and Wellington. Compare and make informed decisions based on the specific insurance rates in your city.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Kansas Car Insurance Companies

We have all the information you need to find the best rates and coverage. We’ve researched the biggest car insurance companies in Kansas to help you in your decision making — company ratings, complaints, and much more.

Don’t worry about making the wrong choice. There’s no need to feel overwhelmed, either. Trust us to guide you through this process.

Are you ready to get started?

Financial Ratings

AM Best assigns financial ratings to insurance companies. A good score means they’re likely to stay solvent and be able to pay customers’ claims.

Customer Satisfaction Ratings

Companies in Kansas with the Most and Least Complaints

When a consumer is unhappy with an insurer, they can file a complaint. This feedback is part of a company’s complaint ratio, which is the number of complaints a company receives per one million dollars of business.

If you want to file a complaint against an insurer in Kansas, fill out this online form.

Largest Car Insurance Companies in Kansas

This chart shows which car insurance companies have the largest market share in the state.

Just under 923 auto insurance companies are registered in Kansas. Of those, 25 are domestic, and 898 are foreign.

Kansas Car Insurance Rates by Company

Now, let’s look at the best rates on average for top car insurance companies in Kansas.

Kansas Rates by Carrier and Commute

Kansas Rates by Carrier and Coverage Level

Kansas Rates by Carrier and Driving Record

Next, let’s see how the top carriers’ rates in Kansas for certain driving penalties:

Kansas Rates by Carrier and Demographic

To make sure you get the best insurance coverage for your situation, compare rates from more than one carrier.

Maintaining a clean driving record is another way to keep your rates low, which makes understanding and obeying traffic laws common sense to reach that goal.

Credit History Rates

Car insurance companies will usually examine your credit score to determine the rates they will offer you. Drivers who have good credit will often get better rates.

The average Kansan has a credit score of 680, they have around three credit cards in their name, and a balance of $6,082. This score is slightly below the 2017 national credit score of 675.

Your credit score is definitely crucial in determining your car insurance rates.

Now, Let’s look at the rules of the road in the Sunflower State.

Kansas Laws

Insurance laws can vary from state to state, and some of them can make more sense than others. So, it helps to have an understanding of some of the basic driving laws in Kansas to ensure that you’re obeying them.

From seat belt to DUI laws, we’ve got you covered. Here’s what you need to know.

Car Insurance Laws

State insurance commissioners administer laws and regulations. Each state determines the type of tort law and threshold that applies in the state (if any), the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in Kansas are subject to the regulations the state insurance commissioner sets, which must meet the fair competition standards of the National Association of Insurance Commissioners (NAIC).

High-Risk Insurance

Drivers who have committed violations or who have multiple penalties on their records, uninsured drivers, and others, must file an SR-22 form. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.

SR-22 coverage can be required after committing the following violations in Kansas:

• Conviction under the Habitual Violator Statute
• Traffic officers’ DC-66 filing to the division for failure to provide proof of insurance during a traffic stop, unless proof of insurance is provided to the department within the time prescribed
• Any license suspension, resulting from (noncompliance) with this statute’s requirements to maintain evidence of insurance
• Failure to provide evidence of financial security as a result of an automobile accident as required by law

Kansas, unlike other states, doesn’t use a point system for traffic violations. You’ll find helpful information about traffic citations by The Kansas Highway Patrol. They also offer useful resources through Public Safety Programs which include the AAA Driver Improvement Program.

Windshield Coverage

The Wheat State doesn’t have specific laws requiring insurance companies to offer special glass coverage or no-deductible windshield replacement. The insurance companies can choose aftermarket parts that are of like kind and quality as well as the repair vendor.

This detailed summary of windshield and glass coverage in Kansas offers some helpful tips.

Automobile Insurance Fraud in Kansas

Insurance fraud is the second largest economic crime in America. To combat fraud, insurance companies raise premium rates dramatically and pass them on to consumers.

There are two classifications of fraud: hard and soft.

• Hard Fraud– A purposefully fabricated claim or accident
• Soft Fraud– A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

• Number of annual miles driven
• Number of drivers in the household
• How the vehicle would be used

Any way you slice it, insurance fraud is a crime. Any kind of willful misrepresentation of facts is known as “rate evasion” and is a $16 billion annual expense to car insurers.

If you suspect insurance fraud or have been a victim of it, contact the Kansas Department of Insurance to report it.

Statute of Limitations

Kansas’s statute of limitations for filing a claim is one year for personal injury and two years for property damage.

Vehicle Licensing Laws

Residents can renew their registrations and drivers’ licenses, update their addresses, and get their driving histories at The Kansas Department of Revenue’s online portal. They can also easily access vehicle registration and insurance information at the state database.

Teen Driver Laws

Teens in Kansas can start driving with a learner’s permit as young as 14 years old.

Restricted licenses: D rivers age 15 but not yet 16 may be granted a restricted license if they have completed driver training. Restricted license holders younger than 16 may not drive unless supervised other than to and from school or work via the most direct route and may not carry minor passengers other than siblings.

To get a restricted license, applicants must have driven at least 25 of the 50 hours required for a full license and must have held an instruction permit for 12 months.

Learner’s permit and intermediate license holders also can’t use handheld devices.

The minimum age for a full driver’s license is 16. Before being granted a license, teen drivers have a mandatory holding period of 12 months. They also must have a minimum supervised driving time of 25 hours in the learner phase and 25 hours before age 16; ten of the 50 hours must be at night.

Older Driver License Renewal

• Drivers age 65 and older must get their licenses renewed every four years
• Seniors and the general population must show proof of adequate vision at every renewal
• Neither senior drivers nor the general public can renew online, but the state is currently in the process of launching a new online renewal system.

New Resident Licensing

Drivers who have out-out-state licenses and want to get a Kansas license can get one if they meet the following requirements:

• Present acceptable proof of identity and proof of residence — an out of state license is acceptable as a second form of ID, but not as proof of legal name and date of birth
• Not have had a license canceled, suspended, or revoked in any state
• Pass a vision exam
• Pay applicable fees

For more information as it applies to your situation, visit the Kansas Department of Revenue – Motor Vehicle Division website.

License Renewal Procedures

Kansas drivers younger than 65 years old must renew their licenses every six years. Be aware that proof of adequate vision is required at every renewal.

Want to know the best part? The state is currently in the process of launching a new online renewal system.

Negligent Driving

Reckless driving in Kansas is a misdemeanor criminal offense. The law states, “Any person who drives any vehicle in willful or wanton disregard for the safety of persons or property is guilty of reckless driving.” It’s open to the responding officer’s interpretation, and the driver could be charged when an accident has occurred and the cause isn’t obvious. Penalties are as follows:

• First offense: No less than five days nor more than 90 days of imprisonment, or fines no less than $25 nor more than $500, or both imprisonment and a fine.
• Subsequent offenses: No less than ten days nor more than six months of imprisonment, or fines no less than $50 nor more than $500, or both imprisonment and a fine.

Rules of the Road

If you don’t follow the rules, of course, you could be breaking the law. That can lead to fines and penalties. For more information about Kansas’s rules of the road, keep reading!

Fault vs. No-Fault

As we explained earlier, Kansas is a “no-fault” state. Drivers in car accidents there must file a claim with their own insurance company first, using the state-required “personal injury protection (PIP)” coverage.

They can go beyond their own insurance and seek compensation from the other driver if they have exhausted their own coverage and have suffered a serious injury, which the state defines as:

• permanent disfigurement
• permanent injury
• permanent loss of a body function
• fracture of a weight-bearing bone
• compound, comminuted, compressed, or a displaced fracture of any bone

If your case meets the requirements for serious injuries, you’ll also want to be aware of Kansas’s modified comparative fault rules.

At a trial, a judge or jury calculates the percentages of fault for each driver and reduces every driver’s liability accordingly. For example, if a driver suffers $10,000 in damages, but is found to be ten percent at fault, his or her recovery will be limited to 90 percent of the damages, or $9,000. A driver who is 50 percent or more at fault can’t recover any damages. Looking for a car insurance attorney may help in some of these instances.

Keep Right and Move Over Laws

Kansas state law allows passing on the left lane only when drivers make a left turn or are passing other vehicles.

When drivers approach a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles traveling in the same direction, they must move to the closest lane, if safe and possible to do so, or slow down to a speed adequate for road and traffic conditions.

These laws help protect law enforcement, emergency first responders, and maintenance crews from oncoming traffic.

Speed Limits

No one wants to get a speeding ticket. Get familiar with Kansas speed limits, so that you can avoid potential fines.

Please note that these are only the maximum speed limits for each road type — they can vary from roadway to roadway, so pay attention to signs.

Seat Belt and Car Seat Laws

When it comes to seat belts and car seats, Kansas has specific requirements for children and adults.

All children three years old and younger must be in a child restraint; children ages four through seven who weigh less than 80 pounds, and children ages 4-7 who are less than 57 inches tall must be in a child restraint or a booster seat.

The law doesn’t require front-seating or rear-seating for children, nor does it require front-facing or rear-facing car seats for children.

All children ages eight through 13 years or children ages four through seven who weigh more than 80 pounds and/or who are taller than 57 inches can wear adult safety belts.

Everyone 14 years and older must wear a seat belt. Police officers can fine people in the front seats if they’re not wearing seat belts, but for drivers in rear seats, a secondary offense, such as running a red light, is required to enforce the law.

The maximum base fine for a first offense is $60 for children ages 14-17 and $30 for adults. Additional fees may apply.

Cargo areas in pick up trucks: Kansas allows everyone 14 and older, people in parades, or those who must do so as part of their employment to occupy them. The restrictions don’t apply to vehicles not being operated in the state highway system or within the “corporate limits” of a city.

Ridesharing

Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance policies that align or exceed the minimum coverages state law requires.

If you are thinking of ridesharing, make sure to ask your provider if they offer ridesharing insurance. In Kansas, those companies include Farmers Insurance, Geico, and USAA.

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to do a task or function a human once performed. In driving, automation involves using radar, camera, and other sensors to get information about a vehicle’s surroundings, which computer programs use to do all or part of the driving.

Currently, Kansas has no restrictions on autonomous vehicles.

Safety Laws

Traffic laws are designed to keep everyone safe. The Kansas Department of Transportation (KSDOT) has developed the Highway Safety Improvement Program to offer drivers tips, facts, and interactive maps and guides. In compliance with the National Highway Traffic Safety Administration (NHTSA), Kansas has also issued a Highway Safety Plan.

DUI Laws

The Blood-Alcohol Content (BAC) limit in Kansas is 0.08 percent and the High BAC limit is 0.15 percent.

Read this helpful guide for more information about DUI penalties in Kansas.

Drug-Impaired Driving Laws

Kansas doesn’t currently have any specific marijuana-impaired or drugged driving laws.

Distracted Driving Laws

Since the smartphone became popular, distracted driving has become as dangerous as driving under the influence of substances.

Kansas state law bans texting for all drivers. Learner’s permit and intermediate license holders also can’t use handheld devices, however, full license holders are allowed to use them.

And remember: in Kansas, an officer can pull you over just for texting on your phone. So it’s better to be safe than sorry and save the texting for off the road.

Kansas Can’t-Miss Facts

Let’s check out some fascinating Kansas vehicle theft and crash statistics.

Vehicle Theft in Kansas

These are the top stolen vehicles:

As you can see, Kansas car thieves love to take full-size pickup trucks.

Vehicle Theft by City

The table below gives a breakdown of the top cities for auto theft within the state.

Read more: Compare Bentley Car Insurance Rates

Risky and Harmful Behavior

Here are some sobering facts to keep in mind about driving-related fatalities in Kansas.

Fatality by Speeding and Drunk Driving

Fatality Rates Rural vs. Urban

Fatalities by Person Type

EMS Response Time

Transportation

These are some interesting details about the car ownership and commute time in Kansas.

Commute Time

In Kansas, traffic jams are a mere blip on the map compared to the national average and to more populated states.

At 18.5 minutes, Kansas drivers beat the national average commute time of 25.3 minutes. Only 1.15 percent of Kansans have a “super commute” of 90 minutes or more.

Commuter Transportation

Now that you’ve learned all you need to know about Kansas driving laws and insurance, you’re ready to buy the best coverage you need in the Sunflower State.

All you need to do to get the best rates from Kansas car insurers is to enter your ZIP code to start saving today!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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