The cost of car insurance in Kansas varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Nationwide offers the cheapest rates at $1,316 a year for full coverage.
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 car insurance works in Kansas and how much you need.
- 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%.
How much is car insurance in Kansas?
CarInsurance.com data found that drivers in Kansas pay $158 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
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
In Kansas, the cost of car insurance can vary depending on how much coverage you purchase. Kansas drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Kansas for three different coverages.
| 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
In Kansas, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Kansas costs $434 a year but doesn’t provide much protection for drivers. Kansas drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Kansas must be aware of the minimum car insurance requirements to remain legally 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.
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.
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.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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 ( 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, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars 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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
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.
If you get caught speeding in Kansas, your car insurance rates will increase by 25% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 67% increase
- At-fault accident (bodily injury and property damage): 36% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
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.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
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
In Kansas, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Kansas by getting quotes from multiple insurance providers and comparing them.
Below are the details of Kansas car insurance companies and their 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.
How much does car insurance cost in Kansas per month?
The average cost of a full-coverage car insurance policy in Kansas costs $158 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
