Average Car Insurance Cost in Kansas (2024)
Drivers in Kansas pay an average of $125 per month for car insurance.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
The average cost of car insurance for Kansas drivers is $170 per month for full coverage and $79 per month for minimum coverage. Drivers in Kansas benefit from lower rates than the national averages of $204 per month for full coverage and $104 per month for liability-only coverage. You can find the cheapest rates by comparing quotes from multiple insurers.
Kansas drivers may earn low average rates for a few reasons. With a low frequency of accidents compared to other states, most Kansas drivers don’t drive like they’re at the Kansas Speedway. The state also has a low rate of insurance fraud, which helps keep costs down for everyone.[1]
Here’s what you need to know about the cost of car insurance in Kansas.
Quick Facts
The three cheapest car insurance companies in Kansas on average are Root, Dairyland, and CSAA.
Kansas is a no-fault state that requires drivers to purchase liability coverage, personal injury protection, and uninsured/underinsured motorist coverage.
Kansas City residents pay some of the highest car insurance rates in the state, with average rates of $94 per month for liability coverage and $187 for full-coverage insurance.
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What’s the average cost of car insurance in Kansas?
Most car insurance policies fall into one of two categories: minimum coverage or full coverage. The state of Kansas sets minimum requirements that drivers must meet to drive legally. This includes a blend of liability, personal injury protection, and uninsured/underinsured motorist coverage.[2] Minimum coverage is generally the cheapest insurance option.
Lenders typically require drivers to purchase a full-coverage policy if they have a car loan or lease because it offers added protection for their vehicle. Even though it comes with higher rates, you should consider buying this optional coverage.[3]
Below, you can find average quotes from different insurance companies for liability and full-coverage auto insurance policies in Kansas.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Root | $65 | $110 |
| Dairyland | $74 | $197 |
| CSAA | $75 | $138 |
| Safeco | $75 | $154 |
| National General | $77 | $145 |
| Direct Auto | $90 | $182 |
| Bristol West | $92 | $247 |
| Liberty Mutual | $97 | $216 |
| The General | $101 | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Kansas car insurance rates by city
A lot of factors influence the cost of car insurance, including your city and ZIP code. Urban areas often have higher rates of car accidents and crime than suburban and rural areas, which increases the average cost of coverage for everyone living there.[4]
The most expensive cities in Kansas for car insurance are Kansas City and Wichita. Compare the average quotes for coverage in Kansas by city.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Garden City | $82 | $202 |
| Kansas City | $94 | $187 |
| Lawrence | $82 | $170 |
| Manhattan | $70 | $155 |
| Topeka | $82 | $157 |
| Wichita | $93 | $193 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Kansas car insurance rates by age
Your age is one of the most significant factors that influence the cost of car insurance. Young drivers typically pay the highest rates due to a lack of driving experience, but many insurers offer an abundance of specific discounts for teen drivers for earning good grades or leaving their car with family while away at college.
Average rates tend to go down with each passing year as Kansas drivers gain more experience on the road, up to a point. For senior drivers age 70 and older, average rates tend to increase due to aging-related risk factors that can cause more accidents.[5]
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How gender affects car insurance rates in Kansas
Men typically pay higher car insurance rates than women due to a statistically greater likelihood of filing claims. Despite some concerns about gender discrimination in pricing, most states in the U.S. — including the state of Kansas — still allow it.
Insurance companies often consider gender and age together. Younger teenage boys, for example, tend to present more risk than teenage girls. The difference in cost by gender typically decreases with age, but men still pay higher average rates.
Compare car insurance quotes by age and gender in Kansas below.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $355 | $291 |
| 35 | $170 | $153 |
| 50 | $130 | $125 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Kansas
Your driving record is one of the main factors that affect how much you pay for car insurance, so driving safely will help you earn lower rates. Not only do good drivers pay the lowest rates, but they also file fewer claims — meaning they save money on deductible costs as well.
Kansas drivers with a history of traffic violations will face higher price increases with each serious infraction. On average, Kansas drivers with an incident on their record pay $167 per month for car insurance.
Below, you can find the average costs of car insurance in Kansas by driving record.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $79 | $170 |
| With accident | $121 | $261 |
| With speeding ticket | $121 | $260 |
| With DUI | $137 | $295 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Kansas
Recent Kansas car insurance prices for Ford, Subaru, Toyota , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Kansas car insurance rates by marital status
Your marital status doesn’t have as much of an effect on the cost of car insurance as other factors, but it can still influence costs. As with gender, insurers may view your marital status as a useful predictor of your likelihood of filing a claim. Married Kansas drivers tend to earn lower average rates than their single peers.
Here are the average car insurance quotes in Kansas by marital status.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Single | $79 | $173 |
| Married | $75 | $167 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Kansas car insurance rates by credit tier
Insurers in Kansas can also use your credit-based insurance score when deciding how much to charge you for car insurance. Kansas drivers with poor credit tend to pay higher rates than drivers with good or excellent credit due to a greater likelihood of filing a claim.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Excellent | $69 | $153 |
| Good | $77 | $170 |
| Fair | $85 | $187 |
| Poor | $123 | $272 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Kansas car insurance FAQs
Deciding on the amount of coverage you need and who to buy it from doesn’t need to cause stress. The following information should help you navigate the process of shopping for car insurance in Kansas.
What is the average cost of car insurance in Kansas?
The average annual cost of car insurance in Kansas is $1,497, which comes out to $125 per month. On average, Kansas drivers pay $79 per month for liability coverage and $170 for full-coverage car insurance.
What is the cheapest car insurance in Kansas?
Root offers the cheapest car insurance rates in Kansas for minimum coverage, with a rate of $65 per month. Dairyland is the second-cheapest insurer, with a rate of $74 for liability coverage. The third-cheapest insurer in Kansas is CSAA, which has a liability insurance rate of $75 per month.
Is car insurance more expensive in Kansas?
With an overall average rate of $125 per month, Kansas drivers generally pay less than the overall national average of $154.
What are the best auto insurance companies in Kansas?
With a high Insurify Quality (IQ) Score of 4.2 out of 5, an A++ (Superior) financial strength rating from AM Best, and numerous coverage options, Travelers is one of the best car insurance companies in Kansas. State Auto and Liberty Mutual are also top insurers in Kansas.
What are the car insurance requirements in Kansas?
Kansas drivers must purchase several types of coverage: bodily injury liability ($25,000 per person and $50,000 per accident), property damage liability ($25,000 per accident), personal injury protection, and uninsured/underinsured motorist coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons."
- Kansas Insurance Department. "Auto Insurance."
- National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Older drivers."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in