- The average cost of car insurance in Kansas is $2,496 a year or $208 per month, based on our data analysis.
- Minimum liability coverage in Kansas costs around $616 annually for limits of 25/50/25, while liability-only coverage costs $691 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Kansas, costing $1,834 per year.
- In Kansas, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 28%, a DUI raising rates by 74%, and an at-fault accident by up to 45%.
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 Travelers offers the most affordable car insurance at $1,834 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 learn how car insurance works in Kansas and how much you need.
How much is car insurance in Kansas?
According to CarInsurance.com data, drivers in Kansas pay about $208 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 $667 a month or $8,001 a year.
- Young drivers in their 20s pay an average of $340 monthly or $4,079 annually, for car insurance.
- Senior drivers pay around $200 monthly or $2,403 a year.
- A speeding ticket can increase your rates to $265 monthly or $3,186 annually.
- An at-fault accident increases car insurance rates to $302 a month or $3,627 a year.
- Poor credit drivers usually see their car insurance costs increase to $460 monthly or $5,515 annually.
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 insurance is the least expensive coverage and meets the minimum legal requirements in Kansas, but it doesn’t offer adequate protection.
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.
Below, you will find the rates for car insurance in Kansas for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $51 | $616 |
| Liability Only – 50/100/50 BI/PD | $58 | $691 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $208 | $2,496 |
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 $616 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
Liability-only car insurance costs $691 in Kansas for coverage limits of 50/100/50, according to CarInsurance.com data.
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 $2,496 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Kansas by car model
In Kansas, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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 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 $2,412 annually.
Kansas drivers aged 16-19 pay $5,589 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 $8,001 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,892 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,412 per year in Kansas.
- For senior drivers: Drivers age 65 and older can expect to pay $2,403 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 74% 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 28% 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 28% increase
- DUI conviction: 74% increase
- At-fault accident (bodily injury and property damage): 45% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Kansas for high-risk drivers
In Kansas, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or 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 |
|---|---|---|---|
| Travelers | $463 | $494 | $1,834 |
| GEICO | $327 | $404 | $1,936 |
| Farmers | $707 | $828 | $2,021 |
| Progressive | $557 | $615 | $2,031 |
| Shelter Insurance | $742 | $851 | $2,349 |
| State Farm | $810 | $932 | $3,101 |
| Allstate | $992 | $1,071 | $3,595 |
| Iowa Farm Bureau | $667 | $711 | $4,263 |
| USAA | $285 | $318 | $1,394 |
Car insurance rates by city in Kansas
Wichita is the most expensive city in Kansas, with an average car insurance rate of $2,544 a year. Salina is the cheapest city for Kansas drivers at an average rate of $2,166 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 $208 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $51 |
| Liability Only – 50/100/50 BI/PD | $58 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $208 |
Final thoughts on choosing car insurance in Kansas
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Kansas.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
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
