Looking for Cheap Car Insurance in Kansas?
While Kansas' population is small, its residents pay car insurance rates aligned with the national average—in part because it's a no-fault state. Kansas has fewer people than neighboring states like Colorado and Missouri, but its propensity for tornadoes or other inclement weather can cause insurance rates to climb.
Even so, location is just one factor to consider when you're trying to find the cheapest car insurance quotes. Insurance companies take many factors into account when deciding how much to charge for your car insurance policy, such as where you live, your age, your driving history, and your credit score.
However, if you're a resident of Kansas and you've been on the hunt for low-cost car insurance rates, then look no further. Carlay has the data and resources you need to find the best rates in your neck of the woods.
Sign up with Carlay to get fast quotes and save! The average Carlay user saves $879 per year on car insurance by comparing quotes from over 50 top insurance providers in 45 seconds. Signing up takes less than a minute.
Don't believe us? Here are sample rates and savings from actual customers of our Kansas members:
How Much Does Car Insurance Cost in Kansas?
To ensure your car in Kansas, the average person pays $1,729 in liability insurance per year—but if you want full coverage benefits, expect to pay an average of $1,895 a year.
The U.S. average cost of liability-only car insurance is $1,783 per year, and the cost of full coverage is $2,485 per year.
What contributes to the insurance rates in Kansas?
Here are a few of the factors that drive up the cost of car insurance in Kansas:
- Low population density
Kansas's rural cities have fewer cars on the road than many metropolitan areas, which means less chance of your vehicle getting sideswiped or rear-ended and fewer accidents to worry about.
- Auto theft
Auto theft is a big-time problem in Kansas, which has one of the highest rates in the country. This leads to a rise in the premiums that you have to pay.
Kansas is in Tornado Alley- an area is known for intense storm activity, and vehicles can sustain damage during twisters. In Tornado Alley, tornadoes happen with little warning and can cause your car to be damaged or destroyed at a moment's notice.
Here's how Kansas insurance premiums compare with the national average:
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$2,171||$2,489|
|All Coverage AfterCarlay||$1,480||$1,671|
|Minimum Coverage BeforeCarlay||$1,423||$2,360|
|Minimum Coverage AfterCarlay||$929||$1,390|
|Full Coverage BeforeCarlay||$2,062||$2,761|
|Full Coverage AfterCarlay||$1,422||$1,963|
Top auto insurance providers in Kansas
If you live in Kansas and you're looking for car insurance, some of the popular choices include Geico, Travelers, and Nationwide. These are just a few of the highly rated companies with accessible customer service that might suit your needs.
Since every insurance policy is different, it's difficult to shop for quotes and find the best deal. Car insurance companies look at many factors when they decide how much you pay each month, including your gender and age, where you live, and your driving record.
One of the factors that determine your insurance premium is the type of automobile you drive. If you choose a Toyota Corolla as your Kansas car, your premiums will be lower than if you drive a Lincoln Aviator, another common choice for local motorists. In general, expensive luxury vehicles cost more to insure because of the higher cost of parts and labor to repair them, as well as the higher cost to replace these cars if they are stolen or totaled in an accident.
Kansas drivers can find affordable coverage through insurance plans from Carlay. Here are the rates that we have found for some of our most recent customers:
What Car Insurance Do You Need in Kansas?
Kansas requires its drivers to carry liability insurance before they're allowed to drive. This coverage includes:
|Bodily injury liability||$25,000 per person / $50,000 per accident||Covers the costs for injuries you cause to others.|
|Property damage liability||$25,000 per accident||Covers the cost of damage to other people's vehicles or property that you are responsible for.|
|Uninsured motorist coverage||$25,000 per person /$50,000 per accident||Protects you if you have an accident with someone who doesn't have insurance.|
Kansas is a no-fault state. Under this system, you are required to carry personal injury protection that covers injuries for you and your passengers if you are in an accident, whether or not it was your fault.
If you are pulled over and found to be driving without minimum car insurance, you can be charged with a misdemeanor and fined up to $1,000 for a first offense. You could be sentenced to up to 6 months in prison, and your license can be suspended until you provide proof of the coverage. There is also a $100 reinstatement fee and the requirement of an SR-22 certificate for three years.
Keep in mind that the above coverage is only the state's bare minimum. Consider buying additional insurance if you can afford to do so. Kansas drivers should consider the following:
|Collision insurance||Covers damage caused by accidents with other vehicles or stationary objects.|
|Comprehensive insurance||Covers damages from incidents other than a collision, such as theft, vandalism, or a natural disaster.|
|Roadside assistance||Covers the cost of a breakdown|
Carlay can help you explore the options available to you at competitive prices. Carlay will help you find an affordable policy regardless of whether you select a standard or upgraded option. Sign-up takes just a few minutes, and Carlay will show you quotes from dozens of top insurance companies. With Carlay, you're in good hands—literally. You'll have the reassurance of knowing that we'll help you with all aspects of the application process and that we'll provide quotes to you each time your policy is up for renewal so that you know you're always getting the best rates.
Now that you know what insurance to get, here's more about insurance in Kansas.
How is Your Cost of Car Insurance Determined in Kansas?
In Kansas, insurance carriers use a number of factors to determine your rates, including your age, driving record, location, etc.
What young drivers in Kansas need to know
Drivers under the age of 25 are considered high-risk and charged higher rates for auto insurance. However, young drivers in Kansas can lower their car insurance premiums by taking a defensive driving course and maintaining a clean driving record. Safe drivers may even be eligible to receive a good student discount if they maintain a B average or better. Finally, young drivers should shop around for quotes to find the most affordable coverage while still providing adequate protection.
As a young driver in Kansas, finding affordable car insurance can often be overwhelming. Carlay offers competitive rates for young drivers who need insurance. Here's some valuable and relevant information about the average rates for car insurance drivers by age in Kansas.
|Age Group||Average Cost||Annual Savings withCarlay|
- Cost to insure your car in Kansas with a poor driving record
Kansas car insurance rates will reflect your previous driving record. If you've been in an accident, been pulled over for speeding, or have a DUI or other major driving offense on your record, Kansas car insurance companies will raise your premiums. If you have infractions on your driving record, many insurance companies will consider you a high-risk driver.
Don't be dismayed! Carlay Insurance works with drivers who have had traffic violations in their past to find the right rate for a policy that fits their needs. Here are Carlay's best rates for drivers with past driving infractions:
|Driving Violation||Average Cost||Annual Savings withCarlay|
|Failure to Obey Traffic Sign||$2,982||$1,400|
|Speeding over 15||$3,447||$1,069|
|Speeding under 15||$2,523||$683|
|Driving on Sus. License||$2,352||$620|
- Cost to insure your car in Kansas based on where you live
If you live in Kansas, your car insurance rates may be about the same as the national average, but you should still compare auto insurance quotes from reputable insurers to see if there are any differences depending on where you live.
If you live in Salina or Manhattan, you might pay a little less for car insurance than the typical Kansas driver because there are fewer cars per capita and lower rates of auto theft. However, if you live in a crowded city like Wichita or Kansas City, however, your rates may be higher than the state average.
At Carlay, our goal is to provide you with competitive car insurance rates no matter where you live. Here are some of the best ones we've found in Kansas, by city:
|City||Average Cost||Annual Savings withCarlay|
- Cost to insure your car in Kansas based on the type of car you drive
When insurers set your car insurance rates, they look at a lot of factors. One major factor is the car you drive. Generally, more expensive vehicles are more costly to insure.
Hyundai Santa Fe is a reasonably affordable car to cover with your insurance policy because its replacement parts and repair costs are low. The Santa Fe also has good reliability and safety ratings, so you'll be paying premiums for a few repairs.
However, if a Kansas resident wants to choose a luxury car, like the Lexus ES, they should expect to pay higher premiums because repairs and replacements cost providers more.
Check out these auto insurance estimates for some of the most popular cars in Kansas from Carlay:
How to Save Money On Car Insurance in Kansas?
Drivers in Kansas can reduce their car insurance rates even more by taking advantage of available discounts. Here are a few tips to help you lower your Kansas car insurance premium.
- Shop around for quotes
One of the easiest ways to save on car insurance is by comparing rates from multiple carriers. That being said, you could spend hours contacting various companies and comparing policies only to get the same results. This can be a big hassle.
Good thing you have Carlay in your corner with the tools and info you need to get the best price on car insurance. Carlay helps you save time and money on your car insurance. Sign up for free, and Carlay will help you find quotes from over 50 top insurers. If you find a policy that works for you, Carlay will take care of all the hassles related to switching policies, ensuring a smooth transition. Best of all, the average Carlay user saves $879 on their car insurance.
And that's not all! Carlay not only helps you find the right insurance policy when you need it, but Carlay continues to help you save money by finding the best prices on insurance when your policy comes up for renewal.
- Look for discounts
Savvy car owners know that cutting car insurance costs is all about shopping for discounts. There are lots of ways to save on your premium. From discounts for new drivers and good students to just having multiple policies with us, you can be sure you're getting the best deal.
Add to your savings opportunities by checking out these popular discounts in Kansas:
Additionally, you may qualify for discounts on your auto insurance if you're an existing homeowner, married, or even a member of a group or organization. Talk to an agent about what kinds of discounts you may be eligible for.
- Increase your deductible
Your deductible is the amount you pay out of pocket before your insurance kicks in. If you raise your deductible, you may end up saving some cash each month.
On the other hand, you'll need to pay the full deductible on each claim, so it may not be an economical choice. If you decide to go with this alternative, make sure you can afford the potential high out-of-pocket costs.
Registering Your Car in Kansas
To register your vehicle in Kansas, you need to present the following documents:
- A driver's license or ID card
- A car title or signed lease agreement
- Motor Vehicle Examination Certificate
- Bill of sale
- Proof of insurance
- Payment and fees
If you just bought a car, it's a good idea to make an appointment before going to the DMV to register it. The wait times can get pretty long, and you might have to file extra paperwork.
Kansas drivers must renew their vehicle registrations annually.