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Kansas

Kansas Car Insurance Rates


Kansas's most expensive car insurance is found in Kansas City and its suburbs, where drivers pay half again as much for the same coverage as their fellow Kansans in Salina and Manhattan. We've got state car insurance rates for every ZIP code mapped out below -- but in every city and town, the difference between the cheapest insurance company and the most expensive is hundreds of dollars.

Kansas car insurance requirements

Kansas state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability: $10,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Personal injury protection $4,500 medical/$900 work loss

Kansas Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Kansas
  • 66105: $1,537
    KANSAS CITY
  • 66118: $1,530
    KANSAS CITY
  • 66115: $1,521
    KANSAS CITY
  • 66101: $1,503
    KANSAS CITY
 
Cheapest Neighborhoods
In Kansas
  • 67401: $1,081
    SALINA
  • 67470: $1,088
    CAMBRIA
  • 66030: $1,090
    GARDNER
  • 66506: $1,093
    MANHATTAN


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What you need to know about car insurance in Kansas

Penny Gusner
CarInsurance.com
Consumer Analyst

Kansas is a no-fault state, which means that you use your own personal injury protection (PIP) coverage if you've been injured in an auto accident, no matter who caused the accident. The PIP coverage required in Kansas is divided into many parts:

  • $4,500 per person for necessary medical expenses
  • $900 per month (up to for one year) for loss of income/disability
  • $25 per day for in-home services (up to one year)
  • $2,000 for funeral/burial expenses
  • $4,500 for rehabilitation costs
  • Survivor benefits of up to $900 per month for one year for loss of income

On top of PIP, Kansas drivers are required to carry liability coverage for damage they inflict on other people and property. The property damage liability minimum is pretty low at $10,000.

If you have savings or a home to protect, we recommend that you bump your limits to 100/300/50.

Uninsured and underinsured motorist bodily injury protection are offered together here and are a mandatory part of your policy with minimum limits of 25/50.

Beyond no-fault: You (or your family) can seek damages from the at-fault party once your medical bills are over $2,000, if you suffer severe or permanent injuries or if you died as a result of the auto accident.

Insurance needed for registration: Proof of auto insurance that includes the effective and expiration date of the coverage is required when vehicle registration is issued or renewed.

No points system: Kansas Driver Control doesn't assign points for traffic violations; however, your license can be suspended if you are convicted of three moving violations in a 12-month period.

Defensive driving discount: State law requires that the principal driver of a vehicle that has voluntarily and successfully completed an approved motor vehicle accident prevention course receive a discount. The Kansas Insurance Commissioner has a list of state-approved defensive-driving courses.