Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,316 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Kansas. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to get a clear idea of how car insurance in Kansas works and how much coverage you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Kansas, at $1,316 per year.
- In Kansas, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Kansas costs around $434 annually for limits of 25/50/25, while liability-only coverage costs $471 per year for limits of 50/100/50.
- In Kansas, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 25%, a DUI raising rates by 67%, and an at-fault accident by up to 36%.
How much is car insurance in Kansas?
In Kansas, drivers pay an average of $158 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Kansas by coverage level
In Kansas, car insurance rates can differ depending on how much coverage you choose. Drivers in Kansas are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Kansas for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $36 | $434 |
| Liability Only – 50/100/50 BI/PD | $39 | $471 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $158 | $1,900 |
State minimum car insurance in Kansas
Kansas laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Kansas, you can get state minimum car insurance for $434 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Kansas must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Kansas
According to CarInsurance.com data, liability-only car insurance costs $471 in Kansas for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Kansas
On average, premiums for full coverage car insurance in Kansas cost $1,900 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Kansas
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Kansas have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Kansas car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Kansas by car model
Car insurers in Kansas use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Kansas.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Kansas
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Kansas drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,827 annually.
Kansas drivers aged 16-19 pay $3,937 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,764 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,841 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,827 per year in Kansas.
- For senior drivers: Drivers age 65 and older can expect to pay $1,741 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Kansas
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Kansas, a DUI conviction lead to increased rates and you may see a rate hike of up to 67% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Kansas, you’ll likely see an increase in your car insurance premium by up to 25% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Kansas after driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 67% increase
- At-fault accident (bodily injury and property damage): 36% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Kansas for high-risk drivers
In Kansas, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,673 |
| Nationwide | $2,160 |
| State Farm | $2,200 |
| Travelers | $2,270 |
| Geico | $2,806 |
| Progressive | $2,843 |
| Farmers | $3,923 |
| Allstate | $4,487 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Kansas
Drivers in Kansas can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Kansas by getting quotes from several insurers for comparison.
In the table below, see an overview of various car insurance companies in Kansas, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $416 | $383 | $1,316 |
| Travelers | $398 | $423 | $1,601 |
| Geico | $263 | $296 | $1,622 |
| Progressive | $458 | $520 | $1,937 |
| State Farm | $335 | $388 | $1,976 |
| Farmers | $576 | $674 | $1,992 |
| Shelter Insurance | $562 | $585 | $2,230 |
| Iowa Farm Bureau | $371 | $393 | $2,289 |
| Allstate | $767 | $824 | $2,968 |
| USAA | $226 | $252 | $1,151 |
Car insurance rates by city in Kansas
Almena is the most expensive city in Kansas, with an average car insurance rate of $2,203 a year. Salina is the cheapest city for Kansas drivers at an average rate of $1,645 annually.
Car insurance costs differ from city to city in Kansas, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Kansas’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,053 |
| Nationwide | $1,236 |
| Travelers | $1,457 |
| Geico | $1,545 |
| Progressive | $1,626 |
| State Farm | $1,954 |
| Farmers | $2,017 |
| Iowa Farm Bureau | $2,079 |
| Shelter Insurance | $2,132 |
| Allstate | $2,899 |
How much does car insurance cost in Kansas per month?
In Kansas, a full coverage car insurance policy with 100/300/100 limits typically costs about $158 per month.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $36 |
| Liability Only – 50/100/50 BI/PD | $39 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $158 |
Final thoughts on choosing car insurance in Kansas
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Kansas.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Kansas. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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