 Geico : $ 277 per year |
 car Owners : $ 359 per class |
 state farm : $ 387 per year |
 Travelers : $ 437 per year |
 progressive : $ 457 per yea |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Kansas
| City | Premium | Percent Increase |
| Salina | $754 | 0.0% |
| Manhattan | $754 | 0.0% |
| Hays | $762 | 1.0% |
| Junction City | $772 | 2.3% |
| Emporia | $772 | 2.3% |
| Ottawa | $785 | 4.1% |
| Great Bend | $789 | 4.6% |
| Pittsburg | $819 | 8.6% |
| Hutchinson | $827 | 9.6% |
| Dodge City | $830 | 10.1% |
| Newton | $832 | 10.3% |
| Lawrence | $837 | 11.0% |
| Liberal | $837 | 11.1% |
| Garden City | $838 | 11.1% |
| Arkansas City | $851 | 12.8% |
| Winfield | $855 | 13.4% |
| El Dorado | $883 | 17.1% |
| Gardner | $895 | 18.7% |
| Leavenworth | $898 | 19.1% |
| Topeka | $903 | 19.7% |
| Olathe | $917 | 21.6% |
| Lenexa | $938 | 24.5% |
| Leawood | $939 | 24.5% |
| Overland Park | $948 | 25.7% |
| Derby | $952 | 26.2% |
| Shawnee | $964 | 27.8% |
| Mission | $988 | 31.0% |
| Prairie Village | $990 | 31.3% |
| Wichita | $1,017 | 34.9% |
| Kansas City | $1,071 | 42.1% |
Factors That Affect Car Insurance Premiums in Kansas
Although mature drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car indemnity rates can save older drivers hundreds of dollars a class.
Read more: The Best Car Insurance Companies for 2022
Read more: The 7 Best Car Insurance Companies (2022)
Cheapest Car Insurance in Kansas
- Geico: $37 per month
- USAA: $53 per month
- State Farm: $53 per month
- Travelers: $54 per month
- Auto Owners: $56 per month
6 Tips for How to Get Cheap Car Insurance in Kansas
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Kansas, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.
2. Search for discounts
Top car insurance companies in Kansas have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
3. Know the factors affecting insurance in Kansas
Everyone knows that your driving habits and
4. Choose coverage that is right for you
You need
5. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
6. Live in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Kansas. On average, drivers in the
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as well as $25,000 in uninsured/underinsured motorist coverage per person, $50,000 in uninsured/underinsured motorist coverage per accident, personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation and survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services, as required by Kansas’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage, personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation and survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible, personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation and survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Kansas insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car indemnity companies in Kansas is based on data from the Kansas DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest cable car policy companies for Kansas drivers in a solicitation of key categories. For each profile, WalletHub compared quotes among top Kansas car policy companies by averaging premiums from 35 slide fastener codes that represent at least 20 % of Kansas ‘s population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ mho analysis, in accession to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Kansas policy quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is example only. person rates will be unlike. Don ’ t forget to include local insurance companies in your search for bum car insurance. In Kansas, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.Top car insurance companies in Kansas have a variety show of discounts, thus about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, good driver, homeowner, will to go paperless, and more.Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Kansas, companies can besides consider your historic period, sex, credit history, marital status, and more when setting premiums. The cable car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You need liability policy to pay for the early driver ’ sulfur damages if you ’ re at fault in an accident in Kansas. Collision and comprehensive examination coverage, on the other handwriting, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better equip than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ thymine scant on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car policy than you need.You ’ ll see higher rates if you let your insurance relapse, flush if you don ’ deoxythymidine monophosphate own a cable car. Kansas drivers who don ’ t maintain continuous coverage pay an average of 6 % more than those with five or more years of insurance history.Car indemnity prices can vary a draw based on energy code in Kansas. On average, drivers in the most expensive parts of Kansas spend over $ 500 more per year on car indemnity than those living in the least expensive areas .