The best cheap car insurance Kansas

The average Kansas driver will pay just $805 annually for car insurance , according to the Insurance Information Institute. Compared to the national average of $935 per year, car insurance in Kansas is affordable. 

Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you’ll pay for coverage.

Even though auto insurance costs aren’t high in Kansas, there are still big opportunities to save by shopping around and comparing coverage beyond the premium, or the amount you’ll pay for coverage.  

Minimum car liability insurance requirements in Kansas

Liability coverage is required by law. If you’re involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and its passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage

The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage, to protect you when an at-fault driver hits you and they have no coverage, or not enough coverage.

Kansas requires bodily, property, and personal coverage, according to the Insurance Information Institute. Kansas’ minimum liability requirements are 25/50/25, which means up to $25,000 of injury protection for each person involved in an accident, up to $50,000 worth of injuries per incident, and up to $25,000 of property damages per incident. 

Best cheap car insurance in Kansas based on credit score

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

*USAA is only available to military, veterans, and their families

Average premiums for seniors and teen drivers in Kansas

The table below shows the average senior and teen drivers can expect to pay in Kansas. Because teen drivers are new drivers with little driving history and more prone to accidents, their rates are high. Most insurance companies offer discounts to teen drivers for good grades or taking driving safety classes.

Senior drivers typically see an uptick in car insurance premiums as they age, but not as much of an increase as new or teen drivers. If you’re still driving in your 60s and 70s, there are ways to negotiate cheaper auto insurance rates, like pay-per-mile usage.

Data provided by Goosehead Insurance

Kansas car insurance rates by city 

Where you live impacts your premium. Those in urban areas pay more than those in rural areas. Below is the estimated average annual premium of auto insurance policies per household in Kansas’s most populous towns:

Data from S&P Global Market Intelligence

Best car insurance in Kansas based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to a 2021 survey by J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Central region (which includes Kansas):

The following are the most popular car insurance companies in Kansas, based on the percentage of insured Kansas drivers who use them:

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

Who gets the best car insurance in Kansas?

Those who get the best car insurance rates are going to be those who have the best credit. There are several other factors that can change the way that an insurance company will price your premium, including your age, gender, the type of car you drive, and where you live in Kansas. 

Another way to save is to shop around — every insurance company prices policies differently, and no two policies are the same. Prices vary greatly depending on whether you get liability, comprehensive, or collision coverage.

Consider the amount of coverage and the types of coverage listed on your quote. Remember, you’re looking for the most coverage for your money. Don’t forget to look at the deductible, or the amount you’ll pay out of pocket if you get into an accident.

Ronda Lee

Associate Editor, Insurance

Ronda Lee is an associate editor for insurance at Personal Finance Insider covering life, auto, homeowners, and renters insurance for consumers. Before joining Business Insider, she was a contributing writer at HuffPost with featured articles in politics, education, style, black voices, and entrepreneurship. She was also a freelance writer for PolicyGenius. She worked as an attorney practicing insurance defense and commercial litigation. You can reach Ronda at rlee@businessinsider.com.

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