
Car insurance rates in Kansas
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- USAA provides the cheapest liability coverage at $27 per month in Kansas.
- USAA offers the cheapest rates for full coverage insurance in Kansas at $78 per month.
- At $149 per month, Olathe is the cheapest city for car insurance in Kansas.
Read on to learn more about car insurance price trends in Kansas. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Kansas
For drivers looking to meet Kansas minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Kansas
#1. USAA: $27
#2. Auto-Owners Insurance Co: $28
#3. Iowa Farm Bureau: $35
#4. Farmers Union Insurance: $37
#5. Travelers: $40
Cheap full coverage in Kansas
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Kansas
#1. Auto-Owners Insurance Co: $78
#2. Nationwide: $92
#3. Travelers: $99
#4. USAA: $110
#5. American Family: $122
Impact of traffic violations on Kansas auto insurance rates
In Kansas, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Kansas may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Kansas after common driving violations.
- No violation: $196
- Not-at-fault accident: $201
- Failure to wear a seat belt: $221
- Speeding 6 - 10 MPH over limit: $234
- Speeding 21 - 25 MPH over limit: $248
- DUI: $367
- Reckless driving: $332
- Driving with a suspended license: $360
- Leaving scene of an accident/hit and run: $382
Car insurance rates across Kansas's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Kansas
#1. Olathe: $149
#2. Salina: $152
#3. Overland Park: $153
#4. Topeka: $155
#4. Manhattan: $155
Cities with the most expensive average monthly premium in Kansas
#1. Jetmore: $197
#2. Fort Dodge: $196
#2. Rolla: $196
#2. Richfield: $196
#2. Protection: $196