Cheap Car Insurance in Kansas
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Kansas Car Insurance Minimums
Kansas requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Personal injury protection (PIP) (tiered)
- Uninsured motorist bodily injury: $25,000/$50,000
- Underinsured motorist
No-fault state.
Source: K.S.A. § 40-3107; K.S.A. § 40-3103; K.S.A. § 40-284; K.S.A. § 40-3117, verified 2026-09-01.
What drives car insurance rates in Kansas
Average spend per insured vehicle, 2023
$973
Kansas drivers spent $973 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
70.6¢
Auto insurers in Kansas paid 70.6 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.07
Kansas recorded 339 traffic deaths in 2024, 1.07 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
215.4
Kansas reported 6,414 motor vehicle thefts in 2025, 215.4 per 100,000 residents, from 236.3 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#28
FEMA ranks Kansas #28 of 51 for expected annual loss from natural hazards; flood accounts for 36% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Kansas
The ten insurer groups that wrote the most auto premium in Kansas in 2025, with their share of the state total of $2.9 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 19.9% | $572 million |
| 2 | State Farm Group | 19.27% | $554 million |
| 3 | American Family Insurance Group | 9.1% | $261 million |
| 4 | Iowa Farm Bureau Group | 7.52% | $216 million |
| 5 | Allstate Insurance Group | 6.73% | $193 million |
| 6 | United Services Automobile Association Group | 6.08% | $175 million |
| 7 | Farmers Insurance Group | 4.49% | $129 million |
| 8 | Berkshire Hathaway Group | 4.17% | $120 million |
| 9 | Shelter Insurance Group | 3.92% | $112 million |
| 10 | Travelers Group | 3.42% | $98 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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