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Cheap Auto Insurance in Kansas — Compare & Save Up to 40%

Average Kansas driver pays $166/mo for full coverage. The cheapest carrier is GEICO at $126/mo. Compare 5+ companies in 90 seconds.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Cheapest Auto Insurance Companies in Kansas (2026)

We compared full coverage rates from the top auto insurance companies in Kansas. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$756$126/mo
Shelter Insurance$822$137/mo
Progressive$852$142/mo
Farm Bureau$912$152/mo
State Farm$930$155/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

Kansas Auto Insurance at a Glance

$166
Avg. Monthly (Full Coverage)
$126
Cheapest Monthly Rate
25/50/25
Minimum Liability Limits
8%
Uninsured Driver Rate

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What You Should Know About Kansas Auto Insurance

For complete Kansas auto insurance laws and requirements, visit the Kansas Insurance Department. For vehicle registration and licensing, visit the Kansas Division of Vehicles.

Full Coverage vs. Liability in Kansas

Full coverage in Kansas averages $166/month, while liability-only coverage averages $47/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 8% of Kansas drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Kansas Auto Insurance Guides

Explore specific auto insurance topics for Kansas:

📄 Cheap Car Insurance› 📄 Minimum Coverage› 📄 Full Coverage› 📄 SR-22 Insurance› 📄 No Deposit Insurance› 📄 Liability Insurance› 📄 Collision Insurance› 📄 Comprehensive Insurance› 📄 Uninsured Motorist Insurance› 📄 PIP Insurance› 📄 Gap Insurance› 📄 Non-Owner Car Insurance› 📄 Teen Driver Insurance› 📄 Senior Driver Insurance› 📄 Military Car Insurance› 📄 High Risk Auto Insurance› 📄 First-Time Driver Insurance› 📄 Insurance After DUI› 📄 Bad Credit Car Insurance› 📄 Multi-Car Insurance› 📄 Rideshare Insurance› 📄 Car Insurance Discounts› 📄 Bundle Home & Auto› 📄 Pay-Per-Mile Insurance› 📄 Same-Day Car Insurance› 📄 Month-to-Month Insurance› 📄 Insurance After Accident› 📄 Electric Vehicle Insurance›

Auto Insurance Rates by City in Kansas

Where you live in Kansas significantly affects your premium. Click your city for local rate comparisons:

📍 Wichita, KS — $2,166/yr› 📍 Overland Park, KS — $2,064/yr› 📍 Kansas City, KS — $2,079/yr› 📍 Olathe, KS — $2,103/yr› 📍 Topeka, KS — $1,980/yr› 📍 Lawrence, KS — $1,992/yr› 📍 Shawnee, KS — $1,989/yr› 📍 Lenexa, KS — $1,986/yr› 📍 Manhattan, KS — $1,989/yr› 📍 Salina, KS — $1,852/yr› 📍 Hutchinson, KS — $1,868/yr› 📍 Leavenworth, KS — $1,863/yr› 📍 Leawood, KS — $1,849/yr› 📍 Garden City, KS — $1,872/yr› 📍 Dodge City, KS — $1,908/yr› 📍 Derby, KS — $1,805/yr› 📍 Emporia, KS — $1,800/yr› 📍 Gardner, KS — $1,853/yr› 📍 Prairie Village, KS — $1,811/yr› 📍 Junction City, KS — $1,699/yr› 📍 Hays, KS — $1,728/yr› 📍 Pittsburg, KS — $1,708/yr› 📍 Liberal, KS — $1,700/yr› 📍 Newton, KS — $1,830/yr› 📍 Andover, KS — $1,858/yr› 📍 Great Bend, KS — $1,800/yr› 📍 McPherson, KS — $1,856/yr› 📍 El Dorado, KS — $1,849/yr› 📍 Ottawa, KS — $1,748/yr› 📍 Arkansas City, KS — $1,853/yr› 📍 Winfield, KS — $1,749/yr› 📍 Haysville, KS — $1,793/yr› 📍 Lansing, KS — $1,841/yr› 📍 Merriam, KS — $1,777/yr› 📍 Atchison, KS — $1,708/yr›

Kansas Auto Insurance FAQ

Who has the cheapest car insurance in Kansas?
Based on our 2026 analysis, GEICO offers the cheapest full coverage in Kansas at $126/month. However, rates vary significantly by driver — comparing quotes from multiple carriers is the best way to find your lowest rate.
How much is car insurance in Kansas?
The average cost of full coverage auto insurance in Kansas is $166/month or $1,990/year. Liability-only coverage averages $47/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.
What is the minimum car insurance required in Kansas?
Kansas requires minimum liability limits of 25/50/25 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured — most experts recommend at least 50/100/50.
How can I save on auto insurance in Kansas?
The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.
Does Kansas have a lot of uninsured drivers?
Approximately 8% of Kansas drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Kansas Insurance Department — official state insurance regulator for Kansas.
  3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
  4. Kansas Division of Vehicles — Kansas vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) — independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
  7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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