On this page
The cheapest car insurance in Kansas is Travelers for full coverage at about $153 a month statewide, according to InsuranceQuotes, and State Farm for liability only at $47 a month, according to Insurify. The cheapest carrier depends on who you are, what you drive, and how much coverage you buy. This guide compares the cheapest options by driver type, by company, and by city, so you can find the cheapest rate for your own profile rather than someone else’s.
The cheapest carrier in Kansas changes with the profile. Four datasets name four different cheapest carriers in Wichita alone, all for the same city, because they price different drivers. ValuePenguin prices State Farm cheapest in Wichita at $89 a month for a 30 year old in a 2015 Honda Civic. Insure.com prices GEICO cheapest in Wichita at $154 a month for a 40 year old in a Honda Accord. The Zebra prices Nationwide cheapest in Wichita at $106 a month. Compare.com prices State Farm cheapest in Wichita at $114 a month. None of these is wrong. They price different drivers, and your own quotes will rank the carriers differently again.
Cheapest car insurance in Kansas by driver type
The cheapest carrier for a clean record driver is not the cheapest carrier for a teen, a senior, or a driver with poor credit. The table below uses the best available Kansas figures for each driver type. Where no Kansas specific figure exists for a driver type, the table says so rather than borrowing a national figure.
| Driver type | Cheapest option | Rate | Source |
|---|---|---|---|
| Clean record, full coverage | Travelers | $153 a month | InsuranceQuotes, statewide |
| Clean record, liability only | State Farm | $47 a month | Insurify, statewide |
| Clean record, full coverage, Wichita | State Farm | $89 a month | ValuePenguin, 30 year old Civic |
| Poor credit, full coverage | No Kansas specific cheapest published | State average $307 a month | MoneyGeek, statewide |
| Teen driver | No Kansas specific cheapest published | Not published | No dataset found |
| Senior driver | No Kansas specific cheapest published | Not published | No dataset found |
The gaps in the table are honest gaps. No dataset found publishes Kansas specific cheapest carriers for teens or seniors, and no dataset publishes a cheapest carrier for poor credit drivers in Kansas. MoneyGeek does publish the poor credit average, $307 a month for full coverage against $113 a month for good credit, a $194 a month difference. That average is the useful number for a poor credit driver. The cheapest carrier for that driver can only be found by getting quotes, because the carrier ranking changes with credit tier.
For a clean record driver, the cheapest full coverage option statewide is Travelers at $153 a month. GEICO is effectively tied at $158. The gap between Travelers and the state average of $222 a month is $69 a month, or $828 a year. For liability only, State Farm at $47 a month is $32 a month below the Insurify liability average of $79 a month, a saving of $384 a year.
Cheapest car insurance companies in Kansas, compared
The table below brings the carrier figures together in one place. The figures come from different datasets with different driver profiles, so they are not directly comparable across rows. The comparison that matters is within a dataset, where the same driver was priced at every carrier.
| Company | Full coverage per month | Liability only per month | Dataset and driver |
|---|---|---|---|
| Travelers | $153 | Not published | InsuranceQuotes, 40 year old clean record, statewide |
| GEICO | $158 | Not published | InsuranceQuotes, 40 year old clean record, statewide |
| State Farm | $47 liability only | $47 | Insurify, statewide real quotes |
| Progressive | $55 liability only | $55 | Insurify, statewide real quotes |
| State Farm | $89 | $31 | ValuePenguin, 30 year old Civic, Wichita |
| Progressive | $132 | $38 | ValuePenguin, 30 year old Civic, Wichita |
| GEICO | $154 | $31 | Insure.com, 40 year old Accord, Wichita |
| Progressive | $180 | $59 | Insure.com, 40 year old Accord, Wichita |
| State Farm | $262 | $73 | Insure.com, 40 year old Accord, Wichita |
| Nationwide | $106 | Not published | The Zebra, Wichita |
State Farm shows the widest range in the table, from $89 a month for full coverage on ValuePenguin to $262 a month on Insure.com, both in Wichita. The difference is the driver. ValuePenguin prices a 30 year old in a 2015 Honda Civic with $500 deductibles. Insure.com prices a 40 year old in a Honda Accord with a 12 mile commute and 10,000 miles a year. Same city, same carrier, and the premium differs by $173 a month. A ranking that names State Farm cheapest in Wichita and a ranking that names it most expensive can both be right, for different drivers.
Progressive is the most consistent second cheapest carrier in the state. It is second cheapest for liability only statewide at $55 a month, second cheapest for full coverage in Wichita on ValuePenguin at $132 a month, and second cheapest for liability only in Wichita on InsuranceQuotes at $43 a month. A driver who wants one carrier to quote alongside the cheapest option should include Progressive.
USAA is routinely the cheapest carrier in Kansas and everywhere else, but it sells only to military members, veterans, and their families. If you qualify, get a USAA quote first. If you do not qualify, ignore USAA figures in any ranking, because they do not apply to you.
Cheapest car insurance by Kansas city
Kansas City is the most expensive city in Kansas for car insurance, and Manhattan is the cheapest. The gap between them is $31 a month for full coverage on MoneyGeek. Wichita runs higher than both on the filed rate datasets, because it is the largest city with the most hail exposure.
| City | Full coverage per month | Cheapest carrier there | Cheapest rate |
|---|---|---|---|
| Manhattan | $105 | Not published | Not published |
| Topeka | $116 | Not published | Not published |
| Kansas City | $136 | Travelers, $159 a month | $159 a month |
| Wichita | $241 | Travelers, $166 a month | $166 a month |
| Dodge City | $254 | Travelers, $159 a month | $159 a month |
The city figures in the table come from two datasets with different drivers, so the Wichita and Dodge City figures look out of line next to Manhattan and Topeka. MoneyGeek prices Manhattan, Topeka, and Kansas City at $1,000 deductibles. InsuranceQuotes prices Wichita at $500 deductibles, and ValuePenguin prices Dodge City at $500 deductibles for a 30 year old. A $500 deductible costs more than a $1,000 deductible, which explains part of the gap. The rest is city risk. Wichita and Dodge City have more traffic and more hail than Manhattan.
Liability only rates vary by city too. Insurify reports liability only quotes average $89 a month in Wichita and $69 a month in Manhattan. State Farm is cheapest for liability only in Wichita at $54 a month. A driver moving from Wichita to Manhattan can expect a meaningful drop, and a driver moving the other way should budget for one.
How to get the cheapest rate in Kansas
Get three quotes, and make Travelers one of them for full coverage or State Farm one of them for liability only. The $828 a year gap between the state average and Travelers for full coverage is the largest single saving available to a Kansas driver. Add Progressive as the third quote, because it is second cheapest in most Kansas comparisons.
Raise the deductible only if you can afford it. Moving from $500 to $1,000 deductibles is the single largest premium cut available after switching carriers, and MoneyGeek prices the $1,000 deductible profile at $116 a month statewide against $222 a month for the $500 deductible profile. The trade is $1,000 from your pocket after a crash or a hailstorm. A driver with an emergency fund can take that trade. A driver without one should keep the lower deductible. Our guide to choosing your car insurance deductible walks through the math.
Keep comprehensive coverage even if you cut everything else. Comprehensive covers hail damage to your car, and Kansas has some of the highest hail claim frequency in the country. Dropping comprehensive to save $20 a month leaves a $5,000 hail repair entirely on you. Dropping collision on an older car can make sense, but only if you can afford to replace the car yourself. Our guide to collision vs comprehensive deductibles explains how to choose the deductible for each one separately.
Ask about every discount you may already qualify for. Safe driver, multi car, good student, defensive driving course, and telematics programs each cut a few percent, and together they can cut 20 percent or more. Usage based programs that track driving through a phone app offer the largest single discount for low mileage drivers, often 10 to 30 percent. Bundle home and auto with the same carrier for another 10 to 25 percent. A Wichita driver paying $241 a month for car insurance and $3,214 a year for home insurance could save $500 to $1,000 a year by bundling both with the cheapest carrier for each.
Check your credit before renewal. MoneyGeek reports Kansas drivers with good credit pay $113 a month for full coverage, while drivers with poor credit pay $307 a month, a $194 a month difference for the same driver in the same car. Improving your credit score is one of the few moves that lowers the premium without cutting coverage. Our guide to how improving your credit score can lower your car insurance premium explains how much each tier costs. If your credit is poor, get quotes from more carriers than usual, because the carrier ranking changes with credit tier.
Shop every renewal. Rates rose about 30 percent from 2021 to 2026 in Kansas, and a carrier that was cheapest three years ago may not be cheapest now. A driver who shops every renewal captures the carrier changes that a loyal customer misses. The cheapest carrier in Kansas changes with the driver, the city, and the year, so the only reliable way to find it is to get your own quotes.
Key takeaways
The cheapest car insurance in Kansas is Travelers for full coverage at $153 a month statewide and State Farm for liability only at $47 a month. The cheapest carrier changes with the driver profile. State Farm is cheapest in Wichita on ValuePenguin at $89 a month and most expensive on Insure.com at $262 a month, both for the same city, because the drivers priced are different. Manhattan is the cheapest city at $105 a month and Kansas City the most expensive at $136 a month on MoneyGeek, while Wichita runs $241 a month on InsuranceQuotes. Poor credit adds $2,328 a year. No dataset publishes Kansas specific cheapest carriers for teens or seniors, so those drivers need their own quotes. The gap between the state average and Travelers for full coverage is $828 a year.
Frequently asked questions
What is the cheapest car insurance in Kansas?
Travelers is cheapest for full coverage at about $153 a month statewide, according to InsuranceQuotes, effectively tied with GEICO at $158. State Farm is cheapest for liability only at $47 a month, according to Insurify. The cheapest carrier depends on the driver profile and the coverage level.
How much is the cheapest full coverage car insurance in Kansas per month?
About $153 a month with Travelers statewide, or about $89 a month with State Farm in Wichita for a 30 year old in a Honda Civic, according to ValuePenguin. The state average for full coverage is $222 a month, so the cheapest option saves about $69 a month against the average.
What is the cheapest car insurance in Wichita, Kansas?
It depends on the driver. ValuePenguin prices State Farm cheapest in Wichita at $89 a month for full coverage. Insure.com prices GEICO cheapest at $154 a month. The Zebra prices Nationwide cheapest at $106 a month. InsuranceQuotes prices Travelers cheapest at $166 a month. Get quotes from all four.
How can I lower my car insurance in Kansas?
Switch carriers first, because the gap between the state average and Travelers is $828 a year for full coverage. Then raise the deductible if you can afford it, bundle home and auto, and ask about safe driver, multi car, and telematics discounts. Keep comprehensive coverage for hail, which is common in Kansas.
Is State Farm the cheapest car insurance in Kansas?
For liability only, yes, at $47 a month statewide on Insurify. For full coverage, no. Travelers is cheapest statewide at $153 a month, and State Farm ranges from $89 a month in Wichita on ValuePenguin to $262 a month on Insure.com depending on the driver priced.
Does Kansas require full coverage car insurance?
No. Kansas requires 25/50/25 liability, personal injury protection, and uninsured motorist coverage. Full coverage is optional, but it adds collision and comprehensive, and comprehensive covers hail damage, which is common in Kansas. Lenders require full coverage on financed cars.
InsuranceQuotes publishes its Kansas figures in its Kansas car insurance rates page and its Wichita car insurance rates page, with rates as of September 30, 2026, built from insurers’ filed rates and compiled by Quadrant Information Services. Insurify publishes its Kansas figures in its how much is car insurance in Kansas guide, updated November 11, 2026. For the cost side of the same question, see our how much is car insurance in Kansas guide and our cheapest car insurance in Missouri guide.
