- Kansas government car insurance for low-income drivers
- Kansas minimum car insurance requirements
- Best low-income car insurance in Kansas
- Cheapest low-income car insurance in Kansas
- Car insurance discounts for low-income drivers in Kansas
- Methodology
- Low-income car insurance in Kansas: Frequently asked questions
- Compare low-income car insurance rates in Kansas with other states
Kansas government car insurance for low-income drivers
There is no government-run car insurance program for low-income drivers in Kansas. Only a handful of states (California, Hawaii and New Jersey) have such a program.
In Kansas, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.
Kansas minimum car insurance requirements
The minimum car insurance requirements in Kansas are as follows:
| Minimum liability coverage limits | 25/50/25 |
| Average annual premium | $616 |
| Other types of insurance required (if any) | PIP, UMBI |
Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.
Best low-income car insurance in Kansas
GEICO came out on top as the best pick for low-income car insurance.
People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Kansas and compared them on rates for state minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.
These are the best low-income car insurance companies in Kansas.
| Company | Average annual premium | J.D. Power | AM Best | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | $327 | 641 | A++ | 0.60 | 4.51 |
| Iowa Farm Bureau | $667 | 645 | A | 0.13 | 4.08 |
| Shelter Insurance | $742 | 673 | A | 0.44 | 4.07 |
| Progressive | $557 | 637 | A+ | 0.60 | 4.05 |
| Travelers | $463 | 585 | A++ | 0.63 | 3.82 |
| State Farm | $810 | 664 | A+ | 0.87 | 3.78 |
| Farmers | $707 | 641 | A | 1.24 | 3.49 |
| Allstate | $992 | 641 | A+ | 1.20 | 3.16 |
| USAA | $285 | 719 | A++ | 1.16 | 4.53 |
Cheapest low-income car insurance in Kansas
Based on state minimum coverage, we found that the cheapest car insurance company in Kansas is GEICO at an average rate of $327 a year.
When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Kansas to find the cheapest options on average.
| Company name | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $327 | $27 |
| Travelers | $463 | $39 |
| Progressive | $557 | $46 |
| Iowa Farm Bureau | $667 | $56 |
| Farmers | $707 | $59 |
| Shelter Insurance | $742 | $62 |
| State Farm | $810 | $68 |
| Allstate | $992 | $83 |
| USAA | $285 | $24 |
PEOPLE ASK:
What can I do if I can’t afford car insurance in Kansas?
If you can’t find affordable car insurance in Kansas, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.
Car insurance discounts for low-income drivers in Kansas
Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Kansas can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.
| Discount type | % Discount |
|---|---|
| Years Insured | 21% |
| Education | 18% |
| Comp and Coll Deductibles | 11% |
| Profession | 11% |
| Telematics | 11% |
| Payment Type | 10% |
| Primary Use | 10% |
| Daily Commute | 9% |
| Marital Status | 9% |
| Days Advanced Purchase | 8% |
| Multi Policy | 8% |
| Lower Annual Mileage | 7% |
| Days Per Week Driven | 6% |
| Homeowner | 6% |
| Loyalty - Years Renewal With Company | 6% |
| Paperless/Electornic Documents | 5% |
| Electronic Funds Transfer | 4% |
| Safety Devices | 3% |
| Air Bags | 2% |
| Anti-Theft Device | 2% |
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on state minimum car insurance.
This data set is based on:
- Bodily injury liability that matches the state minimum requirement
- Property damage liability that matches the state minimum requirement
- Any other state-required coverage, which may include personal injury protection, medical payments and uninsured/underinsured motorist coverage
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Low-income car insurance in Kansas: Frequently asked questions
What is the cheapest car insurance company for low-income people?
In Kansas, GEICO is the cheapest car insurance company with the average rate of $327. However, that’s based on average rates and may differ for you, so it’s important to shop around.
Does Kansas have car insurance for low-income individuals?
No, Kansas doesn’t offer a car insurance program for low-income individuals or families.
What happens if I can’t pay my car insurance?
If you don’t pay your car insurance bill, your car insurance will be canceled and you won’t have coverage. If you can’t pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.
Compare low-income car insurance rates in Kansas with other states
You might also be interested in- Kansas car insurance laws and requirements: What is changing in 2026
- Kansas DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Kansas
- SR-22 insurance in Kansas
- Non-owner car insurance in Kansas: Best and cheapest companies
- Kansas gap insurance: Everything you need to know
- Kansas car insurance guide
- Kansas car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in Kansas
- Cheapest home and auto insurance bundle in Kansas
