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Kansas's most expensive car insurance is found in Kansas City and its suburbs, where drivers pay a few hudnred dollars more for the same coverage as their fellow Kansans in less populated areas like North Newton three hours away. We've got state car insurance rates for every ZIP code mapped out below -- but in every city and town, the difference between the cheapest insurance company and the most expensive is hundreds of dollars. By entering your ZIP code and selecting your age group and preferred coverage level, you'll see rates for your neighborhood, as well as how much you can save by comparing car insurance companies when shopping for a policy.
Kansas Car Insurance Requirements
Average Car Insurance Rates in Kansas
Car Insurance Companies in Kansas
Kansas is a no-fault state, which means that you use your own personal injury protection (PIP) coverage if you've been injured in an auto accident, no matter who caused the accident. The PIP coverage required in Kansas is divided into many parts:
On top of PIP, Kansas drivers are required to carry liability coverage for damage they inflict on other people and property. The property damage liability minimum is about average at $25,000.
If you have savings or a home to protect, we recommend that you bump your limits to 100/300/50.
Uninsured and underinsured motorist bodily injury protection are offered together here and are a mandatory part of your policy with minimum limits of 25/50.
Beyond no-fault: You (or your family) can seek damages from the at-fault party once your medical bills are over $2,000, if you suffer severe or permanent injuries or if you died as a result of the auto accident.
Insurance needed for registration: Proof of auto insurance that includes the effective and expiration date of the coverage is required when vehicle registration is issued or renewed.
Uninsured motorist penalties for Kansas: You may be fined $300 to $1,000, sentenced to six months in jail and have your license and registration suspended.
No points system: Kansas Driver Control doesn't assign points for traffic violations; however, your license can be suspended if you are convicted of three moving violations in a 12-month period.
Defensive driving discount: State law requires that the principal driver of a vehicle that has voluntarily and successfully completed an approved motor vehicle accident prevention course receive a discount. The Kansas Insurance Commissioner has a list of state-approved defensive-driving courses.
Proof of insurance via smartphone: Kansas is one of 31 states that allow drivers to show electronic proof of insurance during a traffic stop.
| Rank | Company / Group | Direct Premiums Written ($) | Market Share (%) |
| 1 | State Farm Group | 313,415 | 20.50 |
| 2 | Amer Family Insurance Group | 198,552 | 12.99 |
| 3 | Progressive Insurance Group | 152,944 | 10.00 |
| 4 | Farmers Insurance Group | 132,153 | 8.64 |
| 5 | Farm Bureau P&C Group | 129,547 | 8.47 |
| 6 | USAA Group | 75,522 | 4.94 |
| 7 | Allstate Insurance Group | 66,866 | 4.37 |
| 8 | Liberty Mutual Insurance Companies | 64,182 | 4.20 |
| 9 | Nationwide Group | 63,702 | 4.17 |
| 10 | Berkshire Hathaway Insurance | 63,694 | 4.17 |
| Source: A.M. Best market share Rankings are based on direct premiums written in 2013. | |||
