Cheapest Low-Income Car Insurance In Kansas 2025
In Kansas, low-income drivers don’t have access to a government-supported auto insurance plan. The lowest rates are from GEICO, averaging $20 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Kansas does not offer a state-run car insurance program for low-income drivers, making it essential to find affordable options through private insurers. GEICO provides the lowest liability coverage rates in the state, starting at just $20 per month, ideal for budget-conscious drivers.
For those who need full coverage, Travelers offers the most competitive option at around $88 per month. In this guide, we’ll explore how drivers in Kansas can secure dependable and cost-effective low-income car insurance.
Cheapest Low-Income Car Insurance In Kansas 2025
Does Kansas Have A Government-Sponsored Car Insurance Program For Low-Income Drivers?
Kansas does not offer a government-sponsored car insurance program specifically for low-income drivers. However, all drivers in Kansas are required to maintain minimum car insurance coverage to comply with state laws.
Minimum Car Insurance Requirements In Kansas
In Kansas, drivers are required to carry the following minimum car insurance coverages:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident.
- Property Damage Liability: $25,000 per accident.
- Personal Injury Protection (PIP): At least $4,500 per person for medical expenses.
- Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury.
These minimum requirements ensure that drivers have basic financial protection in the event of an accident. However, opting for coverage limits above these minimums can provide greater protection and potentially reduce out-of-pocket expenses in more serious accidents.
Full Coverage Options
Full coverage car insurance includes three primary components:
- Liability Insurance – Covers bodily injury and property damage you cause to others in an accident.
- Collision Coverage – Pays for damage to your own vehicle resulting from a crash, regardless of fault.
- Comprehensive Coverage – Covers non-collision incidents such as theft, fire, hail, vandalism, or falling objects.
Full coverage car insurance is highly recommended if you have a new or financed vehicle. It protects both you and others in the event of an accident and helps avoid significant out-of-pocket repair or replacement costs.
Cheapest Low-Income Car Insurance For Families In Kansas
Car insurance costs in Kansas can vary significantly based on your family circumstances. Single parents, for example, may pay about $560 more annually than married couples due to the higher risk associated with single-driver policies. Adding teen drivers or additional cars can also raise premiums. Nationwide is an excellent option for low-income families, offering coverage at $40 per month, or $478 per year for dependable insurance at an affordable price.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
| GEICO | $450 | $75 |
| Allstate | $540 | $90 |
| Progressive | $420 | $70 |
| Auto-Owners | $492 | $82 |
| Nationwide | $240 | $40 |
| State Farm | $408 | $68 |
Strategies to Reduce Insurance Premiums:
- Bundle Policies: Combining auto insurance with other policies like homeowners or renters insurance can lead to discounts.
- Maintain a Clean Driving Record: A history free of accidents and traffic violations can qualify you for safe driver discounts.
- Opt for Higher Deductibles: Choosing a higher deductible can lower your monthly premium, though it increases out-of-pocket costs in the event of a claim.
- Utilize Usage-Based Programs: Some insurers offer programs that adjust rates based on your driving habits, potentially offering savings for safe driving.
- Explore Discounts: Inquire about available discounts, such as those for good students, defensive driving courses, or installing anti-theft devices.
- Non-Owner Coverage: If you don’t own a car, you might consider non-owner car insurance, which allows you to drive someone else’s car. This is liability coverage for those who still need insurance, and typically costs between 5-15% less. However, it’s important to note that this coverage differs from regular car insurance, so make sure you understand the policy first.
By understanding the factors influencing insurance costs and exploring various providers and discounts, low-income families in Kansas can find coverage that aligns with their financial situation and protection needs.
Note: If you have a family member or a friend with a good driving record, and is deemed lower-risk (such as those who have been driving for many years), you may be able to add them as a “named driver” on your policy, which could lower your premium. Some insurers offer discounts for adding low-risk drivers to your policy, though it’s not guaranteed. But, it’s worth checking with your provider to see if this option could save you money.
Cheapest Low-Income Car Insurance For Seniors In Kansas
Securing affordable car insurance is essential for seniors in Kansas, especially those with limited incomes. As drivers age, premiums can fluctuate due to perceived risk factors. However, several insurance providers offer competitive rates tailored to senior drivers.
| Company | 60-Year-Old Female | 60-Year-Old Male |
| Farmers | $892 | $892 |
| Nationwide | $860 | $860 |
| Allstate | $1,210 | $1,210 |
| GEICO | $850 | $850 |
| Dairyland | $1,510 | $1,510 |
Note: These rates are approximate and can vary based on individual circumstances and coverage choices.
Factors Influencing Senior Car Insurance Rates:
- Driving Record: A clean history can lead to lower premiums.
- Annual Mileage: Reduced driving can decrease rates.
- Vehicle Type: Safety features and the car’s value impact costs.
- Location: Urban areas may have higher rates due to traffic density.
Cheapest Low-Income Car Insurance For Drivers With Poor Credit
Car insurance premiums are heavily influenced by your credit score, as insurers tend to view lower scores as riskier. Drivers with poor credit can pay up to 70% more than those with good credit, with premiums sometimes rising by $500 or more. In Kansas, GEICO offers the most affordable rates for low-income drivers with poor credit, averaging $782 annually, making it a suitable option for budget-friendly insurance.
| Company | Poor Credit |
| Allstate | $1,092 |
| Auto-Owners | $1,000 |
| Progressive | $780 |
| GEICO | $782 |
| Farmers | $790 |
These figures illustrate the variation in premiums among providers for drivers with poor credit. While GEICO offers relatively lower rates in this context, it’s essential to compare quotes from multiple insurers to identify the most cost-effective option tailored to your specific situation.
Strategies to Mitigate Higher Premiums Due to Poor Credit:
- Shop Around: Obtain quotes from various car insurance companies, as rates can differ significantly.
- Maintain a Clean Driving Record: A history free of accidents and traffic violations can positively influence your premiums.
- Consider Usage-Based Insurance Programs: Some insurers offer programs that adjust rates based on actual driving habits, which can be beneficial if you drive safely.
- Bundle Policies: Combining auto insurance with other policies like homeowners or renters insurance may lead to discounts.
- Work on Improving Your Credit Score: Over time, enhancing your credit can lead to more favorable insurance rates.
By proactively exploring these strategies and regularly reviewing your insurance options, you can better manage and potentially reduce the cost of car insurance, even with a less-than-perfect credit history.
Does Income Impact Car Insurance Rates In Kansas?
In Kansas, your income is not used directly to determine car insurance premiums. However, insurers consider factors like credit score, driving history, age, ZIP code, vehicle type, and coverage level. While income itself isn’t a rating factor, low-income drivers may still pay higher rates if those related indicators suggest higher risk—such as living in areas with more claims or having a lower credit score.
Auto Insurance Discounts In Kansas
Kansas motorists can enjoy lower car insurance rates through discounts offered by insurers, which reward safe driving, policy bundling, and specific vehicle features. Refer to the table for details on typical savings from these discounts.
| Discount Type | Potential Savings (%) |
| Multi-Policy Discount | 10-25% |
| Multi-Vehicle Discount | 8-20% |
| Safe Driver Discount | 10-30% |
| Good Student Discount | 10-15% |
| Anti-Theft Device Discount | 5-15% |
| Defensive Driving Course | 5-10% |
| Low Mileage Discount | 5-15% |
| Pay-in-Full Discount | 5-10% |
| Automatic Payment Discount | 2-5% |
| Senior/Retiree Discount | 5-10% |
By using any of these discounts, drivers can save a lot on their annual insurance premiums, especially if they qualify for more than one discount.
Can You Use Telematics To Save On Insurance?
Yes, you can. Telematics (also known as usage-based car insurance) is a type of insurance used to track your driving habits through a mobile app or a device installed in your vehicle. These policies monitor specific elements of your driving such as speed, braking, and time of day, allowing insurers to adjust your premium based on how safely you drive.
If your insurance company deem you to be a safe driver, you could earn discounts over time, potentially lowering your premium. For low-income drivers who practice good driving habits, this can be an effective way to save money on car insurance.
How To Save On Car Insurance Costs In Kansas
In Kansas, drivers on a budget can employ effective tactics to reduce car insurance expenses.
Check and Compare Insurance Rates: Since each insurer offers unique rates and discounts, it’s smart to gather quotes from different companies to ensure you get the best price. Even minor monthly savings can add up to a notable yearly difference.
Consider Liability-Only Insurance: For older vehicles or those not under heavy financing, liability-only coverage is a smart choice. It meets Kansas’s minimum requirements and generally costs less than full coverage.
Consider a Higher Deductible: By increasing your deductible, you can lower your monthly premium. Just be sure you have enough savings to pay it if needed.
Look Into Available Discounts: Ask your insurance company about possible discounts, such as safe driving, multi-policy, and low mileage. You can also save by bundling your car insurance with another policy, like home or renters insurance.
Try Usage-Based Insurance: Certain companies have programs that track how you drive and your total miles. Safe, low-mileage drivers can often see a reduction in premiums with this option.
Work on a Good Credit Score: Credit plays a role in insurance rates, so maintaining a good score or improving it can help you lower your premium in the long run.
Check Your Insurance Coverage Yearly: As life circumstances shift, so might your insurance needs. Reviewing your policy annually can help prevent paying for unnecessary extras.
Enroll in a Defensive Driving Course: Drivers who complete an approved defensive driving course often qualify for discounts, making it a simple way to lower insurance costs.
Understanding how insurance companies determine auto rates can give you valuable insight into how premiums work and might help you save on your policy.
These strategies can help low-income Kansas drivers control their car insurance expenses.
Note: When buying a car, consider ways to reduce your insurance rates. Smaller cars with less powerful engines, and higher safety ratings are typically cheaper to insure. If you haven’t bought a car yet, shop around and compare insurance rates, as not all vehicles are insured at the same rate. Avoid cars that are expensive to repair or prone to theft, as these can drive up premiums.
Penalties For Driving Without Insurance In Kansas
Driving without insurance in Kansas can lead to steep penalties that impact your finances, driving privileges, and even your future insurance rates. Here’s what you could face:
- Fines: A first offense can result in fines up to $300. Repeat offenses may lead to fines of $800 or more, plus court and administrative fees.
- License & Registration Suspension: Your driver’s license and vehicle registration can be suspended. To reinstate them, you’ll need to pay a fee and provide proof of insurance.
- SR-22 Requirement: You may be required to file an SR-22 form for at least 12 to 36 months. This certificate of financial responsibility typically increases your insurance premiums.
- Vehicle Impoundment: Law enforcement may impound your car. Retrieving it involves paying costly towing and storage fees.
- Personal Liability for Accidents: If you’re uninsured and at fault in an accident, you could be personally liable for all damages, injuries, and legal expenses.
Kansas enforces these penalties to ensure all drivers are insured and to protect others on the road. Staying insured isn’t just smart—it’s the law.
Compare Car Insurance Rates In Kansas – By City
In Kansas, car insurance rates vary based on where you reside. Local accident rates, population density, and crime statistics all play a role in determining premiums. Here’s a breakdown of the average cost of liability-only car insurance in 10 different cities across Kansas to illustrate this.
| City | Average Monthly Cost |
| Treece | $222 |
| West Mineral | $242 |
| Americus | $206 |
| Burns | $212 |
| Overbrook | $205 |
| Topeka | $212 |
| Columbus | $222 |
| Crestline | $220 |
| Quenemo | $209 |
| Vassar | $207 |
Compare Kansas To Low-Income Insurance In Other States
Kansas drivers pay an average of $1,478 per year for low-income car insurance—slightly below the national average. While it’s more affordable than states like California ($2,498) or Florida ($2,742), Kansas is still costlier than neighbors like Iowa ($1,240) and Nebraska ($1,298).
Here’s a look at how Kansas compares to other states across the U.S.:
| State | Average Annual Premium (Low-Income) |
| Alabama | $1,545 |
| Alaska | $1,267 |
| Arizona | $1,659 |
| Arkansas | $1,489 |
| California | $2,498 |
| Colorado | $1,832 |
| Connecticut | $1,933 |
| Delaware | $1,957 |
| Florida | $2,742 |
| Georgia | $1,988 |
| Hawaii | $1,234 |
| Idaho | $1,106 |
| Illinois | $1,512 |
| Indiana | $1,247 |
| Iowa | $1,240 |
| Kansas | $1,478 |
| Kentucky | $1,985 |
| Louisiana | $2,947 |
| Maine | $994 |
| Maryland | $1,795 |
| Massachusetts | $1,659 |
| Michigan | $3,158 |
| Minnesota | $1,458 |
| Mississippi | $1,674 |
| Missouri | $1,644 |
| Montana | $1,372 |
| Nebraska | $1,298 |
| Nevada | $2,021 |
| New Hampshire | $1,103 |
| New Jersey | $2,119 |
| New Mexico | $1,322 |
| New York | $2,782 |
| North Carolina | $1,285 |
| North Dakota | $1,178 |
| Ohio | $1,156 |
| Oklahoma | $1,533 |
| Oregon | $1,489 |
| Pennsylvania | $1,778 |
| Rhode Island | $2,198 |
| South Carolina | $1,693 |
| South Dakota | $1,297 |
| Tennessee | $1,432 |
| Texas | $1,923 |
| Utah | $1,432 |
| Vermont | $1,015 |
| Virginia | $1,286 |
| Washington | $1,659 |
| West Virginia | $1,532 |
| Wisconsin | $1,256 |
| Wyoming | $1,392 |
The statistics illustrate the average expenses faced by low-income drivers, which can fluctuate based on the insurer, specific location within the state, and personal risk factors.
Our Methodology
When we evaluate car insurance companies for low-income drivers in Kansas, we consider a variety of important factors to make sure we provide an accurate and balanced review. Here are the key areas we focus on:
1. Affordability: We analyze average premium prices for low-income drivers, comparing liability-only and full coverage quotes from different cities to account for regional price variations.
2. Coverage Options: We look at the types of coverage offered by each insurer, ensuring that both basic and optional coverage, such as uninsured motorist, underinsured motorist, and personal injury protection (PIP), are available.
3. Discounts: Many insurance companies offer discounts that can lower premiums. We consider discounts such as safe driver, multi-policy, low mileage, and good student incentives when ranking insurers.
4. Customer Feedback: We use customer ratings from J.D. Power and online reviews to gauge satisfaction. High ratings and positive feedback about customer service and claims handling influence an insurer’s ranking.
5. Financial Strength: Financial stability is important when evaluating an insurer’s ability to pay claims. We include ratings from agencies like A.M. Best and Moody’s to ensure we recommend financially secure companies.
6. Claims Process: We evaluate the claims process for ease and speed, taking into account customer satisfaction with the process. Companies with a user-friendly and efficient claims process score better in this area.
Our ratings are based on these factors to ensure we recommend the most reliable and affordable car insurance providers for low-income drivers in Kansas.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Is it illegal to drive without insurance in Kansas?
It’s against the law to drive uninsured in Kansas. Every driver must have at least the state-required minimum liability insurance to operate a vehicle legally.
What is the cheapest car insurance in Kansas?
In Kansas, GEICO stands out for offering the least expensive car insurance to low-income drivers, averaging approximately $20 monthly or $240 annually for basic liability coverage.
Sources
⇅- AM Best
- J.D. Power – 2024 US Auto Insurance Study
