Best car insurance companies in Kansas

Travelers is the best car insurance company in Kansas, based on a data analysis by, with an overall rating of 3.54. Nationwide is the second-best auto insurance company in Kansas, with an overall rating of 3.42.

Below is a full list of the top Kansas insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total score is calculated out of five using these factors.

Best car insurance in Kansas
Company AM BestAvg. Annual PremiumJ.D. score
State FarmA++$1,9768330.73.26
Shelter InsuranceA$2,2308511.182.7

Cheapest car insurance companies in Kansas

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Kansas and put together a list of the cheapest car insurance companies. Based on a rate analysis by, Nationwide offers the cheapest full coverage car insurance in Kansas, with average rates of $1,316 annually or $109 a month. USAA offers cheaper car insurance at $1,151 per year, but is only for military families.

Cheapest car insurance in Kansas
CompanyState minimum liability50/100/50 liability100/300/100 liability with $500  deductible
State Farm$335$388$1,976
Shelter Insurance$562$585$2,230
Iowa Farm Bureau$371$393$2,289

*USAA is only available to military members and their families.

Average cost of car insurance in Kansas

The average cost of car insurance in Kansas is $1,900 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by For the state minimum coverage, the average annual cost in Kansas is $434.

Auto insurance calculator

Average auto insurance rates in Kansas
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
66105 - Kansas City
For a 30-year-old male
$42 State minimum
$149 Full coverage
$45 Liability only

Most & least expensive ZIP codes for auto insurance in Kansas

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate
66213Overland Park$118

Cheapest car insurance cost in Kansas by age

In Kansas, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.

Nationwide offers the cheapest car insurance for teen drivers in Kansas at $3,923 per year for a full coverage policy.  

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In Kansas, Nationwide offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds)  at $1,281 per year and $1,102 per year, respectively. USAA offers cheaper rates if you qualify.

Cheapest car insurance in Kansas by age
Age Company Avg annual premium
Teens (16-19)Nationwide$3,923
Teens (16-19)USAA*$4,104
Teens (16-19)Travelers$4,190
Teens (16-19)Geico$5,074
Teens (16-19)State Farm$5,112
Teens (16-19)Iowa Farm Bureau$5,824
Teens (16-19)Shelter Insurance$6,381
Teens (16-19)Farmers$6,741
Teens (16-19)Progressive$7,610
Teens (16-19)Allstate$9,900
Young Adults (20-24)USAA*$1,873
Young Adults (20-24)Nationwide$2,054
Young Adults (20-24)Travelers$2,350
Young Adults (20-24)Farmers$2,613
Young Adults (20-24)Geico$2,699
Young Adults (20-24)Progressive$3,000
Young Adults (20-24)State Farm$3,106
Young Adults (20-24)Iowa Farm Bureau$3,568
Young Adults (20-24)Shelter Insurance$3,675
Young Adults (20-24)Allstate$4,831
Adults (25-60)USAA*$1,166
Adults (25-60)Nationwide$1,281
Adults (25-60)Travelers$1,612
Adults (25-60)Geico$1,641
Adults (25-60)Farmers$1,908
Adults (25-60)Progressive$1,952
Adults (25-60)State Farm$1,968
Adults (25-60)Shelter Insurance$2,150
Adults (25-60)Iowa Farm Bureau$2,179
Adults (25-60)Allstate$2,972
Seniors (65-75)USAA*$1,078
Seniors (65-75)Nationwide$1,102
Seniors (65-75)Travelers$1,401
Seniors (65-75)State Farm$1,777
Seniors (65-75)Iowa Farm Bureau$1,792
Seniors (65-75)Progressive$1,795
Seniors (65-75)Shelter Insurance$1,796
Seniors (65-75)Geico$1,861
Seniors (65-75)Farmers$1,876
Seniors (65-75)Allstate$2,963

*USAA is only available to military members and their families.

Cheapest car insurance companies in Kansas by driver profile

Drivers who have accidents or tickets are considered a higher risk and will pay more. 

However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.

Below are average Kansas rates by company for drivers with accidents and tickets on their driving record. 

Cheapest auto insurance in Kansas for drivers with tickets and accidents
CompanyClean record AccidentSpeeding Ticket
USAA*$985 $1,601 $1,236 
Nationwide$1,022 $1,651 $1,312 
Geico$1,152 $2,193 $1,533 
American Family$1,303 $1,512 $1,681 
State Farm$1,392 $1,577 $1,485 
Travelers$1,410 $2,094 $1,963 
Progressive$1,529 $2,540 $2,006 
Farmers$1,860 $2,835 $2,509 
Auto-Owners$1,877 $2,419 $3,178 
Allstate$2,401 $3,641 $2,686 

*USAA offers car insurance only to military veterans and their families.

Compare auto insurance rates by city in Kansas

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Kansas.

CityAnnual insurance premium
Overland Park
$1,718 commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Tip icon You might also be interested in