Low-income car insurance in Kansas: What you need to know

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	$434
Other types of insurance required (if any)	UMBI and PIP

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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

State Farm 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
State Farm	$335	833	A++	0.7	3.48
Travelers	$398	797	A++	0.49	3.46
Geico	$263	819	A++	0.91	3.43
Nationwide	$416	792	A+	0.64	3.15
Progressive	$458	803	A+	0.65	3.08
Farmers	$576	819	A	0.8	2.7
Shelter Insurance	$562	851	A	1.18	2.66
Allstate	$767	806	A+	0.65	2.55

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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 $263 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	$263	$22
State Farm	$335	$28
Iowa Farm Bureau	$371	$31
Travelers	$398	$33
Nationwide	$416	$35
Progressive	$458	$38
Shelter Insurance	$562	$47
Farmers	$576	$48
Allstate	$767	$64
USAA	$226	$19

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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 Licensed	29%
Years Insured	24%
Profession	16%
Telematics	13%
Education	11%
Primary Use	10%
Payment Type	10%
Multi Policy	9%
Daily Commute	9%
Loyalty - Years Renewal With Company	8%
Days Advanced Purchase	8%
Days Per Week Driven	8%
Marital Status	7%
Homeowner	7%
Lower Annual Mileage	6%
Paperless/Electornic Documents	5%
Electronic Funds Transfer	4%
Safety Devices	3%
Anti-Theft Device	2%
Air Bags	2%

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Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

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 $263. 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.