Kansas Auto Insurance: Finding The Cheapest Rates

Finding the cheapest auto insurance in Kansas is a common concern for many drivers in the state. The good news is that Kansas offers more favourable rates for both full and minimum coverage when compared to national averages. On average, a full-coverage policy in Kansas costs $2,559 per year, while the same coverage nationally averages $2,329 per year. For minimum coverage, Kansas also shines in affordability, with an average rate of $586, significantly lower than the national average of $633.

When it comes to specific insurance companies, USAA and Geico are consistently mentioned as offering the cheapest rates in Kansas. USAA, in particular, stands out for its low average rates across various driver profiles, including adults, seniors, and those with poor credit. However, it's important to note that USAA is only available to military members, veterans, and their families. For those who don't qualify for USAA, Geico is a great alternative, often offering below-average rates and optional coverages.

Other insurance companies worth considering for cheap rates in Kansas include State Farm, Shelter Insurance, and Progressive. State Farm is known for its coverage for young drivers and offers various discounts tailored for students and teens. Shelter Insurance, a regional provider, is recognised for its strong customer service and excellent financial stability. Progressive is a good option for high-risk motorists, often providing relatively affordable rates for drivers with a DUI, speeding violation, or at-fault accident on their record.

Cheapest car insurance for young drivers in Kansas

Car insurance premiums for young drivers in Kansas are generally high due to their limited driving experience and the statistical probability of accidents involving young drivers. However, there are still ways for young drivers to save on their insurance premiums. Here are some options for affordable car insurance for young drivers in the Sunflower State:

Shelter and Encompass

Shelter and Encompass offer the cheapest car insurance for young drivers in Kansas overall. By insuring with these companies, young drivers can benefit from lower premiums while still receiving reliable coverage.

Nationwide

Nationwide is the cheapest option for teen drivers, with rates of $1,108 per year for male teens and $1,030 per year for female teens. Adding a teen driver to a family plan can also help reduce costs, as a 16-year-old teen driver in Kansas pays $2,544 less if included on their parent's policy.

USAA

While USAA is known for its competitive rates for military members and their families, they also offer affordable coverage for young drivers. Their rates for 17-year-old male motorists start at $3,451 annually, and they also have the lowest average rate for 17-year-old female drivers at $2,727 per year.

American Family

American Family offers the cheapest car insurance for young drivers with a history of accidents or DUIs. Their rates for young drivers with a clean record start at $1,047 per year, and they also have affordable options for those with poor credit.

Electric

Electric is a good choice for young drivers with a less-than-perfect driving record. They offer the cheapest rates for teens with a ticket or an at-fault accident, and they are also the most affordable option for young drivers with a DUI on their record.

Cheapest car insurance for drivers with a DUI in Kansas

Kansas drivers with a DUI on their record generally pay higher-than-average car insurance rates. The company with the lowest average rate for this group of drivers in Kansas is State Farm, at $1,317 per year. The state average is $2,632 per year. The highest sample rate found for this group of Kansas drivers is $3,972 per year, from Shelter.

In addition to a DUI, a driver's insurance rates are determined by many factors, including age, location, and driving history.

Cheapest car insurance for drivers with a speeding ticket in Kansas

The cost of car insurance is determined by several factors, including age, location, and driving history. In Kansas, USAA and Geico offer the lowest car insurance rates in the state. USAA has an average rate of $936 per year, while Geico's average rate is $1,042 per year. These rates are much lower than the statewide average cost of car insurance, which is $1,486.

If you have a speeding ticket on your record, USAA and Geico still offer the cheapest rates. USAA's average rate for drivers with a speeding ticket is $1,140 per year, while Geico's rate is $1,301 per year. These rates are significantly lower than the average cost of car insurance in Kansas for drivers with a speeding ticket, which is $1,793.

It is important to note that car insurance rates can vary depending on other factors such as age, location, and driving history. It is always a good idea to compare rates from multiple insurance companies to find the best deal.

Cheapest car insurance for drivers with an at-fault accident in Kansas

According to US News, USAA and State Farm offer the cheapest car insurance in Kansas for drivers with an at-fault accident. USAA has the lowest average car insurance rates in Kansas. Its average rate of $1,328 per year is hundreds of dollars per year cheaper than the statewide average cost of car insurance. However, USAA sells car insurance to current and former members of the military and their families. State Farm, which sells policies to the general public, is the next cheapest for drivers with an at-fault accident, with an average annual rate of $1,393.

Cheapest car insurance for drivers with poor credit in Kansas

According to US News, Geico provides the most affordable car insurance for drivers with poor credit, with an average monthly cost of around $124. On the other hand, Allstate offers the highest premium according to their study at $325/mo.

Geico is also listed as one of the cheapest car insurance companies in Kansas by Forbes Advisor, with an average monthly cost of $1042 per year.

Frequently asked questions