- The average cost of car insurance in Kansas is $1,900 a year or $158 per month, based on our data analysis.
- 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.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Kansas, costing $1,316 per year.
- 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%.
Car insurance costs in Kansas vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in Kansas at $1,316 annually.
This comprehensive guide to buying car insurance for Kansas drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Kansas works and how much insurance you need.
How much is car insurance in Kansas?
According to CarInsurance.com data, drivers in Kansas pay about $158 per month for full coverage car insurance.
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.
See how rates change in Kansas based on driver profile:
- Teen drivers in Kansas pay the most — about $480 a month or $5,764 a year.
- Young drivers in their 20s pay an average of $247 monthly or $2,964 annually, for car insurance.
- Senior drivers pay around $145 monthly or $1,741 a year.
- A speeding ticket can increase your rates to $193 monthly or $2,314 annually.
- An at-fault accident increases car insurance rates to $248 a month or $2,981 a year.
- Poor credit drivers usually see their car insurance costs increase to $364 monthly or $4,367 annually.
Average cost of auto insurance in Kansas by coverage level
Car insurance costs in Kansas can differ based on the coverage limit. To legally drive, Kansas residents must adhere to the minimum liability limits of 25/50/25.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Kansas car insurance costs for three 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 be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Kansas
According to CarInsurance.com data, liability-only car insurance costs $471 in Kansas for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Kansas
In Kansas, you can expect to pay around $1,900 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Kansas
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Kansas pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Kansas
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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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.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for 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.
Calculate car insurance rates by ZIP code in Kansas
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Estimate car insurance in Kansas by car model
Kansas car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper 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 car insurance costs for your car 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Kansas, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Kansas can increase your premiums by up to 67% because insurers see you as a risky 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
High-risk drivers in Kansas pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
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.
Below is a breakdown of car insurance companies in Kansas and 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 rates vary by city in Kansas for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Kansas.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Kansas per month?
Car insurance in Kansas costs an average of $158 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 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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