Average Car Insurance Cost in Kansas (2024)

Drivers in Kansas pay an average of $140 per month for car insurance.

Lindsay VanSomeren
Lindsay VanSomeren
  • 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.

Featured in

media logomedia logomedia logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • 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

media logomedia logo

Updated October 30, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in Kansas

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $86/mo for full coverage in Kansas.

*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance for Kansas drivers is $196 per month for full coverage and $84 per month for minimum coverage. Drivers in Kansas benefit from lower rates than the national averages of $211 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, Safeco, and Dairyland.

  • 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 $98 per month for liability coverage and $239 for full-coverage insurance.

Shop for Car Insurance in Kansas

Liability rates start at $63 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Root$63$112
Safeco$66$138
Dairyland$70$191
National General$72$139
CSAA$81$148
Liberty Mutual$88$203
Direct Auto$90$182
The General$101$221
Bristol West$102$282
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$84$268
Kansas City$98$239
Lawrence$87$214
Manhattan$73$190
Topeka$85$185
Wichita$97$237
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 $188 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$84$196
With accident$127$296
With speeding ticket$124$289
With DUI$144$335
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

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $86/mo for full coverage in Kansas.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 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 $1,675, which comes out to $140 per month. On average, Kansas drivers pay $84 per month for liability coverage and $196 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 $63 per month. Safeco is the second-cheapest insurer, with a rate of $66 for liability coverage. The third-cheapest insurer in Kansas is Dairyland, which has a liability insurance rate of $70 per month.

  • Is car insurance more expensive in Kansas?

    With an overall average rate of $140 per month, Kansas drivers generally pay less than the overall national average of $158.

  • 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons."
  2. Kansas Insurance Department. "Auto Insurance."
  3. National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Insurance Institute for Highway Safety. "Older drivers."
Lindsay VanSomeren
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • 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

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate