Kansas Auto Insurance Rates
Median premium: $756/6mo across 11 carriers and 748 ZIP codes.
Premiums range from $454 to $2,090 — a 4.6x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$756
per 6 months
ZIP Codes
748
with rate data
Carriers
11
rated in KS
Price Spread
4.6x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Farmers | $290 | 748 ZIPs | 100% | |
| 2 | USAA | $518 | 0 ZIPs | 0% | |
| 3 | Allstate | $627 | 0 ZIPs | 0% | |
| 4 | Shelter Insurance | $634 | 0 ZIPs | 0% | |
| 5 | American Family | $684 | 0 ZIPs | 0% | |
| 6 | Progressive | $756 | 0 ZIPs | 0% | |
| 7 | Nationwide | $792 | 0 ZIPs | 0% | |
| 8 | Travelers | $806 | 0 ZIPs | 0% | |
| 9 | State Farm | $813 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $828 | 0 ZIPs | 0% | |
| 11 | GEICO | $1,708 | 0 ZIPs | 0% |
1
$290Farmers#1 in 748 ZIPs (100%)
2
$518USAA#1 in 0 ZIPs (0%)
3
$627Allstate#1 in 0 ZIPs (0%)
4
$634Shelter Insurance#1 in 0 ZIPs (0%)
5
$684American Family#1 in 0 ZIPs (0%)
6
$756Progressive#1 in 0 ZIPs (0%)
7
$792Nationwide#1 in 0 ZIPs (0%)
8
$806Travelers#1 in 0 ZIPs (0%)
9
$813State Farm#1 in 0 ZIPs (0%)
10
$828Liberty Mutual#1 in 0 ZIPs (0%)
11
$1,708GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Kansas
| City | Avg Median | ZIPs |
|---|---|---|
| Kansas City | $454 | 15 |
| Edwardsville | $454 | 1 |
| Independence | $454 | 1 |
| Altamont | $454 | 1 |
| Bartlett | $454 | 1 |
Most Expensive Cities in Kansas
| City | Avg Median | ZIPs |
|---|---|---|
| Winchester | $925 | 1 |
| Williamsburg | $925 | 1 |
| White Cloud | $925 | 1 |
| Westphalia | $925 | 1 |
| Wellsville | $925 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$925/6mo
66097 (Winchester)
Cheapest ZIP
$454/6mo
66101 (Kansas City)
4.6x
Price Spread
The most expensive ZIP in Kansas costs 4.6x more than the cheapest. Your ZIP code matters more than you think.
Kansas Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Kansas
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Access ZIP-level rate data across all 11 carriers, 748 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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