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Nationwide offers the cheapest auto insurance rates in Kansas at about $1,032 a year or $86 monthly. That’s below the average Kansas car insurance rate of $1,526 a year.

Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Nationwide to be not just the cheapest, but also the best insurance company in Kansas.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your average annual car insurance cost. 

Read on to compare Kansas insurance rates by company, age and more.

Key takeaways

  • Nationwide is the best car insurance company in Kansas overall, with below-average rates and a low complaint ratio.
  • Nationwide is also the cheapest car insurance company in Kansas at $1,032 per year.
  • American Family has the cheapest rates for teens and Nationwide has the cheapest rates for adult and senior drivers.

Average cost of car insurance in Kansas

The average car insurance rate in Kansas is $1,526 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 Insurance.com. For the state minimum coverage, the average annual cost in Kansas is $380.

Best car insurance companies in Kansas

Nationwide is the best car insurance company in Kansas, based on a 2023 analysis by Insurance.com, with an overall rating of 4.41. State Farm is the second-best auto insurance company in Kansas with an overall rating of 4.3. 

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

Best car insurance companies in Kansas
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
NationwideA+$ 1,0320.664.41
State FarmA++$ 1,4020.524.34
GeicoA++$ 1,4920.774.04
USAA*A++$ 1,0510.994.01
American FamilyA$ 1,3320.574
Auto-OwnersA++$ 1,8070.643.99
ProgressiveA+$ 1,5230.733.79
TravelersA++$ 1,3691.033.62
FarmersA$ 1,7870.773.15
AllstateA+$ 2,4630.952.41

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

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 Insurance.com, Nationwide is the cheapest auto insurance company in Kansas with average rates of $1,032 annually or $86 a month for full coverage.

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Nationwide$ 428$ 388$ 1,032
USAA*$ 201$ 223$ 1,051
American Family$ 563$ 587$ 1,332
Travelers$ 403$ 429$ 1,369
State Farm$ 297$ 342$ 1,402
Geico$ 210$ 236$ 1,492
Progressive$ 334$ 377$ 1,523
Farmers$ 432$ 476$ 1,787
Auto-Owners$ 317$ 333$ 1,807
Allstate$ 616$ 657$ 2,463

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

Auto insurance calculator

Average auto insurance rates in Alabama
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Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

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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.

American Family offers the cheapest car insurance for teen drivers in Kansas at $2,899 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 $1,034 per year and $891 per year, respectively. 

Cheapest car insurance by age in Kansas
Age (group) Company Group Avg. Annual Premium
Teens (16-19)American Family$ 2,899
Teens (16-19)Nationwide$ 3,227
Teens (16-19)State Farm$ 3,622
Teens (16-19)USAA$ 3,651
Teens (16-19)Travelers$ 3,711
Teens (16-19)Geico$ 4,166
Teens (16-19)Auto-Owners$ 5,204
Teens (16-19)Farmers$ 5,907
Teens (16-19)Progressive$ 6,738
Teens (16-19)Allstate$ 6,991
Young Adults (20-24)Nationwide$ 1,645
Young Adults (20-24)USAA$ 1,677
Young Adults (20-24)American Family$ 1,862
Young Adults (20-24)Travelers$ 1,996
Young Adults (20-24)State Farm$ 2,194
Young Adults (20-24)Geico$ 2,229
Young Adults (20-24)Farmers$ 2,371
Young Adults (20-24)Progressive$ 2,464
Young Adults (20-24)Auto-Owners$ 3,092
Young Adults (20-24)Allstate$ 3,355
Adults (25-55)Nationwide$ 1,034
Adults (25-55)USAA$ 1,057
Adults (25-55)American Family$ 1,324
Adults (25-55)Geico$ 1,368
Adults (25-55)Travelers$ 1,376
Adults (25-55)State Farm$ 1,417
Adults (25-55)Progressive$ 1,589
Adults (25-55)Farmers$ 1,776
Adults (25-55)Auto-Owners$ 2,006
Adults (25-55)Allstate$ 2,476
Seniors (60-75)Nationwide$ 891
Seniors (60-75)USAA$ 962
Seniors (60-75)American Family$ 1,203
Seniors (60-75)Travelers$ 1,206
Seniors (60-75)State Farm$ 1,257
Seniors (60-75)Progressive$ 1,408
Seniors (60-75)Geico$ 1,481
Seniors (60-75)Farmers$ 1,601
Seniors (60-75)Auto-Owners$ 1,789
Seniors (60-75)Allstate$ 2,377

*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 car insurance companies for tickets and accidents in Kansas
CompanyClean recordAccidentTicket
USAA*$ 995$ 1,440$ 1,246
Nationwide$ 1,016$ 1,492$ 1,239
Geico$ 1,285$ 2,192$ 1,498
American Family$ 1,328$ 1,328$ 1,686
State Farm$ 1,392$ 1,577$ 1,485
Travelers$ 1,443$ 2,036$ 1,937
Progressive$ 1,504$ 2,299$ 1,996
Auto-Owners$ 1,714$ 2,042$ 2,119
Farmers$ 1,824$ 2,531$ 2,431
Allstate$ 2,375$ 3,341$ 2,626

*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 vary significantly 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 and consider these local factors to find the most competitive rates for your specific city in Kansas.

CityAnnual insurance premium
Bonner Springs
Kansas City
Overland Park

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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 the limit 
  • Speeding ticket 11- 29 MPH over the limit 
  • Talking on a cellphone ticket 
  • Texting ticket 

Insurance.com 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.  

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