Cheap car insurance in Kansas

Cheap car insurance in Kansas

It is mandatory to get car insurance in Kansas for drivers to drive legally in the state. Different companies in Kansas provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Kansas:

Name of the Company                     Average annual car insurance premiums
Farm Bureau Mutual $1086
Travelers $1089
Cal Casualty $1272
Allied $1326
USAA $1410
Nationwide $1445
State Farm $1445
Safeco $1506
National Farmers Union P&C $1540
Progressive $1647
GEICO $1857
Farmers $2038
Metropolitan $2166
American Family $2175
Electric $2228
Shelter $2297
Safe Auto $2310
Allstate $2506
Encompass $5300

Cheap car insurance in Kansas for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Kansas with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Kansas provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Kansas by maintaining a good driving record. Most auto insurance companies in Kansas provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $288 on car insurance premiums in Kansas.
  •  Drivers may save $520 on car insurance premiums if they have an accident-free record in Kansas.
  •  By maintaining a good credit history you may save $1277 on car insurance premiums in Kansas. 

Cheap car insurance for inexperienced drivers in Kansas

Most auto insurance providers may charge high auto insurance premiums in Kansas from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Kansas vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Kansas. 

Age   Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $3730 $6202
17 $3458 $5400
18 $3416 $4822
19 $2967 $3159

Affordable auto insurance in Kansas for high-risk drivers

Car insurance companies in Kansas charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Kansas can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Kansas may get discounts on car insurance policies.

Rating factor                 Average annual car insurance premium
At-Fault Accident $1946
DUI $1892
Speeding Violation $1712
Bad Credit $2700

Best car insurance companies in Kansas

Car insurance prices in Kansas may vary from company to company. Some companies in Kansas charge lower car insurance premiums than others. To get the best auto insurance policy in Kansas you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Kansas by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Kansas:

    1. Allied
    2. Allstate
    3. American Family
    4. Cal Casualty
    5. Encompass
    6. Farmers
    7. GEICO
    8. Liberty Mutual
    9. MetLife
    10. Nationwide
    11. Progressive
    12. Shelter
    13. State Farm
    14. State Farm
    15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Kansas?

The average annual cost to get the minimum required coverage in Kansas may be around $486.  The minimum required coverage for drivers in Kansas to drive legally in the state is:

Coverage type Coverage limit           
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $25000

The state minimum auto insurance requirements in Kansas

The state minimum auto insurance coverage requirement in Kansas is liability coverage.

  1. $25000 bodily injury coverage per person is required in Kansas.
  2. $50000 bodily injury coverage per accident is required in Kansas.
  3. $25000 property damage coverage per accident is required in Kansas.

Other types of optional coverages in Kansas are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical payments

Fine for driving without car insurance in Kansas

If anyone caught driving without a car insurance policy in Kansas then police may charge a fine.

Car insurance prices by cities in Kansas

Car insurance premiums in Kansas may vary from city to city. In some cities of Kansas, car insurance prices are high compared to others.

City                               Average annual insurance premiums
Dodge City $1911
Kansas City $1904
Garden City $1895
Liberal $1867
Wichita $1719
Great Bend $1655
Derby $1636
Leavenworth $1626
Hutchinson $1580
Emporia $1567
Hays $1555
Topeka $1542
Leawood $1528
Overland Park $1527
Lenexa $1520
Shawnee $1519
Olathe $1512
Lawrence $1498
Manhattan $1492
Gardner $1490
Newton $1467
Salina $1440

If you are looking for a car insurance deal in Kansas, you can compare  car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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