Actual Yearly Savings
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014
  • Christian
  • $1200
  • Nov 26, 2014
  • Meghan
  • $1080
  • Nov 9, 2014
  • Robert
  • $3000
  • Nov 8, 2014
  • Gary
  • $1000
  • Oct 24, 2014
  • Gayle
  • $420
  • Oct 21, 2014
  • Manita
  • $600
  • Sep 21, 2014

Our Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap auto insurance quotes is so easy now.


One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped

read more...

at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared

How Much Did You Save With Us?

Tell us how much you saved on your car insurance, and we might just feature your savings right here on our site along with our other top savers!

First Name*

Last Name*

Savings (estimate)*

Frequency*

Your Profile

Your Email*

[We'll NEVER use your email address to send you promotional/junk email]

Resources

Cheapest Car Insurance in Kansas (KS)

Wild Bill Hickok, Batt Masterson and Wyatt Earp each served terms as lawmen in the historically western state of Kansas. Such towns as Wichita, Abilene and Dodge City still bring the American Wild West to life through their rich and colorful history. With its all-American baseball history dating back to 1886, it seems the best of the west has been born and bred in this midwestern state. Even with its legendary tornadoes, Kansas still attracts hard-working, industrious patriots year-round. CheapCarInsurance.net has been working hard too, putting together all the important information about Kansas’ car insurance laws so “Kansans” can keep driving and working worry-free.

STATS

Car Insurance Quotes for Kansas

County Sedan Suv Coupe Truck Hybrid
Johnson$1,182.00$975.00$1,214.00$1,102.00$1,248.00

County Sedan Suv Coupe Truck Hybrid
Sedgwick$1,305.00$1,080.00$1,338.00$1,224.00$1,378.00

County Sedan Suv Coupe Truck Hybrid
Shawnee$1,184.00$975.00$1,210.00$1,106.00$1,256.00

County Sedan Suv Coupe Truck Hybrid
Wyandotte$1,396.00$1,154.00$1,427.00$1,307.00$1,481.00

County Sedan Suv Coupe Truck Hybrid
Douglas$1,164.00$960.00$1,192.00$1,088.00$1,230.00

County Sedan Suv Coupe Truck Hybrid
Leavenworth$1,242.00$1,027.00$1,267.00$1,168.00$1,322.00

County Sedan Suv Coupe Truck Hybrid
Riley$1,142.00$943.00$1,159.00$1,080.00$1,217.00

County Sedan Suv Coupe Truck Hybrid
Butler$1,250.00$1,034.00$1,274.00$1,176.00$1,327.00

County Sedan Suv Coupe Truck Hybrid
Reno$1,195.00$990.00$1,220.00$1,126.00$1,271.00

County Sedan Suv Coupe Truck Hybrid
Saline$1,092.00$906.00$1,118.00$1,026.00$1,164.00

County Sedan Suv Coupe Truck Hybrid
Allen$1,220.00$1,006.00$1,239.00$1,148.00$1,311.00
Anderson$1,232.00$1,016.00$1,253.00$1,160.00$1,325.00
Atchison$1,234.00$1,018.00$1,262.00$1,156.00$1,318.00
Barber$1,356.00$1,120.00$1,378.00$1,288.00$1,468.00
Barton$1,322.00$1,090.00$1,337.00$1,248.00$1,424.00
Bourbon$1,222.00$1,005.00$1,238.00$1,147.00$1,310.00
Brown$1,189.00$981.00$1,212.00$1,121.00$1,276.00
Butler$1,250.00$1,034.00$1,274.00$1,176.00$1,327.00
Chase$1,204.00$992.00$1,224.00$1,130.00$1,290.00
Chautauqua$1,250.00$1,035.00$1,279.00$1,178.00$1,342.00
Cherokee$1,306.00$1,077.00$1,331.00$1,228.00$1,399.00
Cheyenne$1,327.00$1,094.00$1,331.00$1,261.00$1,438.00
Clark$1,398.00$1,154.00$1,418.00$1,324.00$1,513.00
Clay$1,205.00$995.00$1,228.00$1,132.00$1,290.00
Cloud$1,240.00$1,024.00$1,262.00$1,169.00$1,338.00
Coffey$1,193.00$983.00$1,214.00$1,122.00$1,281.00
Comanche$1,386.00$1,144.00$1,405.00$1,314.00$1,500.00
Cowley$1,232.00$1,022.00$1,259.00$1,162.00$1,316.00
Crawford$1,256.00$1,035.00$1,274.00$1,180.00$1,343.00
Decatur$1,334.00$1,100.00$1,338.00$1,265.00$1,441.00
Dickinson$1,172.00$970.00$1,193.00$1,106.00$1,254.00
Doniphan$1,256.00$1,036.00$1,282.00$1,182.00$1,344.00
Douglas$1,164.00$960.00$1,192.00$1,088.00$1,230.00
Edwards$1,374.00$1,134.00$1,394.00$1,297.00$1,482.00
Elk$1,258.00$1,036.00$1,284.00$1,179.00$1,354.00
Ellis$1,208.00$998.00$1,230.00$1,138.00$1,298.00
Ellsworth$1,298.00$1,066.00$1,303.00$1,224.00$1,404.00
Finney$1,448.00$1,200.00$1,476.00$1,378.00$1,566.00
Ford$1,440.00$1,194.00$1,466.00$1,374.00$1,561.00
Franklin$1,203.00$993.00$1,222.00$1,138.00$1,290.00
Geary$1,181.00$972.00$1,201.00$1,110.00$1,260.00
Gove$1,360.00$1,116.00$1,362.00$1,286.00$1,476.00
Graham$1,338.00$1,104.00$1,344.00$1,272.00$1,448.00
Grant$1,388.00$1,144.00$1,409.00$1,315.00$1,501.00
Gray$1,436.00$1,187.00$1,460.00$1,365.00$1,556.00
Greeley$1,348.00$1,110.00$1,356.00$1,284.00$1,462.00
Greenwood$1,248.00$1,030.00$1,270.00$1,174.00$1,340.00
Hamilton$1,350.00$1,114.00$1,371.00$1,280.00$1,461.00
Harper$1,322.00$1,094.00$1,355.00$1,248.00$1,424.00
Harvey$1,151.00$952.00$1,172.00$1,083.00$1,224.00
Haskell$1,398.00$1,155.00$1,422.00$1,329.00$1,513.00
Hodgeman$1,430.00$1,182.00$1,453.00$1,357.00$1,552.00
Jackson$1,190.00$980.00$1,210.00$1,120.00$1,277.00
Jefferson$1,231.00$1,015.00$1,255.00$1,154.00$1,315.00
Jewell$1,250.00$1,034.00$1,274.00$1,178.00$1,348.00
Johnson$1,182.00$975.00$1,214.00$1,102.00$1,248.00
Kearny$1,382.00$1,142.00$1,404.00$1,313.00$1,494.00
Kingman$1,252.00$1,037.00$1,280.00$1,182.00$1,342.00
Kiowa$1,372.00$1,130.00$1,390.00$1,293.00$1,480.00
Labette$1,270.00$1,044.00$1,289.00$1,191.00$1,364.00
Lane$1,402.00$1,154.00$1,410.00$1,333.00$1,518.00
Leavenworth$1,242.00$1,027.00$1,267.00$1,168.00$1,322.00
Lincoln$1,199.00$992.00$1,220.00$1,128.00$1,287.00
Linn$1,256.00$1,032.00$1,275.00$1,178.00$1,350.00
Logan$1,312.00$1,083.00$1,314.00$1,247.00$1,420.00
Lyon$1,176.00$969.00$1,194.00$1,106.00$1,256.00
Marion$1,164.00$964.00$1,186.00$1,099.00$1,246.00
Marshall$1,196.00$986.00$1,217.00$1,124.00$1,285.00
Mcpherson$1,153.00$954.00$1,172.00$1,089.00$1,235.00
Meade$1,381.00$1,140.00$1,404.00$1,312.00$1,496.00
Miami$1,219.00$1,004.00$1,237.00$1,148.00$1,303.00
Mitchell$1,232.00$1,017.00$1,253.00$1,161.00$1,328.00
Montgomery$1,252.00$1,029.00$1,269.00$1,174.00$1,346.00
Morris$1,200.00$988.00$1,222.00$1,126.00$1,284.00
Morton$1,386.00$1,142.00$1,407.00$1,312.00$1,500.00
Nemaha$1,186.00$978.00$1,207.00$1,116.00$1,272.00
Neosho$1,240.00$1,022.00$1,258.00$1,166.00$1,335.00
Ness$1,403.00$1,152.00$1,410.00$1,334.00$1,526.00
Norton$1,352.00$1,114.00$1,358.00$1,284.00$1,466.00
Osage$1,184.00$978.00$1,206.00$1,116.00$1,268.00
Osborne$1,262.00$1,040.00$1,284.00$1,186.00$1,364.00
Ottawa$1,192.00$985.00$1,212.00$1,124.00$1,282.00
Pawnee$1,334.00$1,096.00$1,348.00$1,256.00$1,439.00
Phillips$1,336.00$1,096.00$1,340.00$1,260.00$1,448.00
Pottawatomie$1,168.00$962.00$1,188.00$1,099.00$1,248.00
Pratt$1,294.00$1,070.00$1,310.00$1,222.00$1,394.00
Rawlins$1,324.00$1,091.00$1,327.00$1,256.00$1,432.00
Reno$1,195.00$990.00$1,220.00$1,126.00$1,271.00
Republic$1,234.00$1,020.00$1,258.00$1,165.00$1,332.00
Rice$1,305.00$1,077.00$1,322.00$1,232.00$1,404.00
Riley$1,142.00$943.00$1,159.00$1,080.00$1,217.00
Rooks$1,313.00$1,082.00$1,322.00$1,246.00$1,421.00
Rush$1,343.00$1,104.00$1,350.00$1,266.00$1,448.00
Russell$1,288.00$1,061.00$1,295.00$1,217.00$1,390.00
Saline$1,092.00$906.00$1,118.00$1,026.00$1,164.00
Scott$1,406.00$1,164.00$1,418.00$1,348.00$1,526.00
Sedgwick$1,305.00$1,080.00$1,338.00$1,224.00$1,378.00
Seward$1,406.00$1,162.00$1,431.00$1,336.00$1,525.00
Shawnee$1,184.00$975.00$1,210.00$1,106.00$1,256.00
Sheridan$1,341.00$1,102.00$1,343.00$1,269.00$1,452.00
Sherman$1,326.00$1,094.00$1,330.00$1,260.00$1,435.00
Smith$1,335.00$1,098.00$1,342.00$1,262.00$1,447.00
Stafford$1,318.00$1,089.00$1,336.00$1,245.00$1,418.00
Stanton$1,374.00$1,132.00$1,396.00$1,303.00$1,487.00
Stevens$1,395.00$1,148.00$1,416.00$1,320.00$1,512.00
Sumner$1,248.00$1,032.00$1,274.00$1,174.00$1,330.00
Thomas$1,334.00$1,097.00$1,334.00$1,262.00$1,443.00
Trego$1,348.00$1,111.00$1,355.00$1,281.00$1,459.00
Wabaunsee$1,186.00$980.00$1,208.00$1,118.00$1,268.00
Wallace$1,330.00$1,096.00$1,336.00$1,266.00$1,442.00
Washington$1,213.00$1,002.00$1,236.00$1,142.00$1,304.00
Wichita$1,400.00$1,156.00$1,410.00$1,336.00$1,513.00
Wilson$1,242.00$1,024.00$1,262.00$1,168.00$1,338.00
Woodson$1,234.00$1,018.00$1,252.00$1,160.00$1,325.00
Wyandotte$1,396.00$1,154.00$1,427.00$1,307.00$1,481.00

CheapCarInsurance.net Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

While average insurance premiums have been below the national average for several years, NAIC.org indicates that Kansas average premiums as a percentage of income have been above the national average for nearly just as long.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration’s annual study reveals that Kansas’ drunk driving fatalities spiked in 2014. Historically, the state has seen fatalities at a rate well below the national average.

Teen Drinking and Driving

The Center for Disease Control reports that teens in Kansas drink and drive slightly more than teens across the rest of the states.

Vehicular Theft in Kansas

Kansas’ auto thefts have been consistently well above the national average with the exception of 2013, and the FBI indicates a recent increase in the state.

LAWS & REGULATIONS

Kansas residents know the importance of preparing for tornadoes during the spring and fall, and preparation for the state’s vehicles is important as well. This list of all the useful facts should make wading through insurance laws and regulations much more simple for the busy Kansan.

Minimum Requirements for Car Insurance in Kansas

  • The Kansas Insurance Commissioner has made it a requirement that all vehicles operated in the state be insured with liability coverage, personal injury protection and uninsured/underinsured motorist coverage.
  • Liability Coverage minimums:
    • $25,000 per single bodily injury or death.
    • $50,000 per multiple bodily injury or deaths.
    • $10,000 for property damage.
  • Personal Injury Protection (PIP or No Fault):
    • $4,500 per person
    • $25/day for in-home care
    • $2,000 to cover funeral, burial or cremation expense
    • $4,500 for rehabilitation
    • Survivor Benefits: Up to $900/month for one year of disability and/or loss of income
  • Uninsured/Underinsured Motorist Coverage:
    • $25,000/person
    • $50,000/accident

New Driver Licensing Requirements

  • Residents of Kansas must be properly licensed to drive a vehicle in the state; however, there are multiple exceptions for use of farm equipment on certain properties and roadways. For additional information, refer to the Kansas Driving Handbook.
  • New drivers under the age of 17 are required to obtain a Graduated Drivers License. Kansas law has several license requirements through the different stages, and a good summary of the many restrictions can be found on the Kansas Department of Revenue’s website.
  • Any driver, whether in the Graduated License program or not, must pass the vision, written and road tests prior to being issued a regular drivers license.
  • Vision Exam. Every applicant must pass a vision test to ensure their vision is sufficient for driving. Kansas has provided multiple restrictions to allow those with lower eyesight to maintain their driving privileges.
  • Knowledge Test. The Kansas Driver’s Manual is the source for the written knowledge test. The applicant is tested on traffic laws and on traffic signs, shapes and symbols.
  • Road Skills Test. To take the road test, the applicant must first have passed the vision and written tests. The vehicle used for the test must be adequately insured, registered and maintained, and the vehicle must be driven to and from the testing site by a licensed driver. The test will evaluate the applicant’s ability in several areas:
    • Stopping
    • Backing
    • Stop Signs
    • Traffic lights
    • Approach to corner
    • Right-of-way
    • Clutch (if applicable)
    • Grade parking
    • Grade starting
    • Turn
    • Passing
    • Staying in the lane
    • Following
    • Hand position

    Upon failure of either the written or road test, the test may be re-taken the following day. The applicant has four chances to pass each test; however, after the fourth failure, the applicant must wait 6 months to re-test.

  • Fees. The Drivers License Fee Chart lists the following fees (exam and photo fees included) for Kansas drivers licenses:
    • Under 21 Class C, $31. This is valid until the holder’s 21st birthday.
    • Instruction Permit, 1-year, $10
    • Regular drivers license, 4-year, $23
    • Regular drivers license, 6-year, $29

DUI/DWI Laws

  • BAC limit: .08 The Kansas Department of Transportation lists the penalties for DUI convictions. In each offense, the driver is responsible for all court costs, evaluation fees and probation fees.
  • First Offense:
    • 48-hour imprisonment or 100 hours of community service
    • Complete an Alcohol and Drug Safety Action Education Program (at the driver’s expense)
    • Minimum $500 and maximum $1,000 fine
    • 30-day license suspension followed by a 330 day license restriction
    • Possible 1-year vehicle impound
  • Second Offense:
    • Minimum 90-day and maximum 1-year imprisonment
    • Complete an Alcohol and Drug Safety Action Education Program (at the driver’s expense)
    • Minimum $1,000 and maximum $5,000 fine
    • 1-year license suspension
    • Ignition Interlock restriction for 1 year following the license suspension
    • Possible 1-year vehicle impound
  • Third Offense – Felony:
    • Minimum 90-day and maximum 1-year imprisonment
    • Complete an Alcohol and Drug Safety Action Education Program (at the driver’s expense)
    • Minimum $1,500 and maximum $2,500 fine
    • 1-year license suspension
    • Ignition Interlock restriction for 1 year following the license suspension
    • Possible 1-year vehicle impound
  • Any DUI offense involving a passenger under the age of 14 will increase imprisonment by 1 month.

Texting & Driving Laws

Kansas, according to Distraction.gov, has banned all texting for all drivers and all cell phone devices for novice drivers.

Unique Laws

Many laws in the midwestern states were born out of responses to events that were out of anyone’s control. One must wonder what events led to some of Kansas’ laws. Such is the case with the law that requires a motorist to exit his/her vehicle prior to entering a certain intersection in Whichita and fire three shotgun blasts into the air! Another interesting development would be the ban on musical car horns or the requirement for a mule to wear a straw hat before it can be legal ridden down Lang’s Main Street!

RESOURCES

State Department of Insurance

Kansas Department of Insurance
420 SW 9th St.
Topeka, Kansas 66612
(785) 296-3071 (local only)
Toll-free: 800-432-2484
www.ksinsurance.org
Get Directions

Department of Transportation

Kansas Department of Transportation
Eisenhower Building
700 SW Harrison St.
2nd Floor West
Topeka, KS, 66603
(785) 296-3585
www.ksdot.org
Get Directions

Department of Motor Vehicles

Kansas Department of Revenue
Division of Motor Vehicle
Docking State Office Building
915 SW Harrison St.
1st Floor
Topeka, KS 66625
(785) 296-6834
www.ksrevenue.org/vehicle
Get Directions


See rates for these popular cities