In Kansas, the average annual cost of car insurance is $1,359 for full coverage and $553 for minimum coverage. Full coverage costs $63 more, while minimum coverage costs $42 less than the national average.
Average Cost of Car Insurance in Kansas
Updated: December 29, 2024
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Key Takeaways
Kansas drivers pay about 5% more for full coverage car insurance than the national average.
For minimum coverage, Kansas drivers spend 7% less than the national average.
The average annual cost of car insurance in Kansas is $553 for minimum coverage and $1,359 for full coverage, making it a relatively affordable state for drivers.
How Much Is Car Insurance in Kansas?
| Full Coverage | $1,359 | $1,296 | 5% |
| State Minimum Liability Only | $553 | $595 | -7% |
Kansas Car Insurance Rates by Coverage Level
Your coverage level affects your car insurance rate. Raising your liability limits and adding full coverage increase costs, while opting for a higher deductible lowers your premium. Below are average minimum coverage and full coverage rates in Kansas based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,601 | $500 |
| 100/300/100 | Full Coverage | $1,511 | $0 |
| 300/500/300 | Full Coverage | $1,449 | $1,000 |
| 300/500/300 | Full Coverage | $1,442 | $1,500 |
| State Minimum | Full Coverage | $1,411 | $500 |
| 100/300/100 | Full Coverage | $1,359 | $1,000 |
| 100/300/100 | Full Coverage | $1,352 | $1,500 |
| State Minimum | Full Coverage | $1,259 | $1,000 |
| State Minimum | Full Coverage | $1,252 | $1,500 |
| 300/500/300 | Liability Only | $834 | $0 |
| 100/300/100 | Liability Only | $690 | $0 |
| State Minimum | Liability Only | $553 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Kansas Car Insurance Cost by City
Car insurance rates in Kansas cities can change due to crime rates, traffic conditions, weather and health care or car repair costs. Kansas City's annual full coverage costs roughly $1,254, while Olathe and Overland Park are cheaper at $1,062 and $1,092, respectively. Compare these rates with the state averages in the table below to see where your city stands.
| Kansas City | $1,254 | -34% | $539 | -51% |
| Olathe | $1,062 | -44% | $488 | -55% |
| Overland Park | $1,092 | -43% | $508 | -54% |
| Topeka | $1,070 | -44% | $451 | -59% |
| Wichita | $1,169 | -39% | $505 | -54% |
Average Kansas Car Insurance Cost by Age
In Kansas, age affects car insurance costs. Young drivers, considered high-risk, typically pay more. On average, 25-year-olds pay 22% more for full coverage and 21% more for minimum coverage than 40-year-olds. Compared to 65-year-olds, they pay 32% and 21% more, respectively.
| 25 | $1,652 | $667 |
| 40 | $1,359 | $553 |
| 65 | $1,256 | $552 |
While age affects car insurance costs in most U.S. states, California, Massachusetts and Hawaii don't allow age as a rating factor.
Car Insurance Costs in Kansas for Young Drivers by Gender
Young drivers in Kansas face higher car insurance costs due to increased risk from more frequent accidents. When added to a family policy, drivers aged 18 to 25 pay about $1,387 per year, which is 29% less than an individual policy at $1,789.
Gender also determines insurance rates for young Kansans. Female drivers in the same age group pay an average of $1,666 annually, saving 26% over males who pay $1,911. Below are the average premiums for individual and family policies for young drivers in the state, broken down by gender.
Car Insurance Costs in Kansas for Young Females
Adding an 18-year-old female to a family car insurance plan in Kansas costs around $1,534. Choosing an individual policy instead can increase rates by about 49%, costing roughly $3,003.
| 18 | $3,003 | $1,534 | -49% |
| 19 | $2,104 | $1,639 | -22% |
| 20 | $1,851 | $1,444 | -22% |
| 21 | $1,463 | $1,152 | -21% |
| 22 | $1,385 | $1,333 | -4% |
| 23 | $1,245 | $1,219 | -2% |
| 24 | $1,184 | $1,160 | -2% |
| 25 | $1,097 | $1,084 | -1% |
Car Insurance Costs in Kansas for Young Males
An 18-year-old male in Kansas pays about $3,592 for full coverage on his own individual policy. Joining a family policy reduces his premium to $1,773, saving about 51% annually.
| 18 | $3,592 | $1,773 | -51% |
| 19 | $2,495 | $1,839 | -26% |
| 20 | $2,141 | $1,586 | -26% |
| 21 | $1,705 | $1,269 | -26% |
| 22 | $1,558 | $1,489 | -4% |
| 23 | $1,377 | $1,328 | -4% |
| 24 | $1,281 | $1,237 | -3% |
| 25 | $1,140 | $1,112 | -2% |
Average Kansas Car Insurance Cost by Driving Record
In Kansas, traffic offenses can increase car insurance rates by 4% to 17%. The table below compares costs for drivers with accidents, DUIs or tickets to those with clean records.
| At-Fault Accident | $1,984 | 4% | $823 | -25% |
| DUI | $2,241 | 17% | $928 | -15% |
| Ticket | $1,697 | -11% | $699 | -36% |
Read More: High-Risk Car Insurance in Kansas
Average Kansas Car Insurance Cost by Credit Score
Credit-based insurance scores impact car insurance costs. For those with excellent credit, the average yearly full coverage cost can be as low as $955, but it can rise to $2,175 for those with poor credit.
| Excellent | $955 | -50% | $270 | -75% |
| Good | $1,170 | -39% | $326 | -70% |
| Fair | $1,435 | -25% | $403 | -63% |
| Below Fair | $1,734 | -9% | $491 | -55% |
| Poor | $2,175 | 14% | $589 | -46% |
CREDIT SCORES AND YOUR PREMIUM
A credit score of 670 to 739 shows financial trustworthiness and may lower insurance costs for Kansas residents. However, insurers in Hawaii, Massachusetts, Maryland, California and Michigan cannot use credit scores for pricing. In North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only under specific conditions.
Average Kansas Car Insurance Cost by Company
Car insurance rates vary greatly from one company to another, even within the same state. In Kansas, American Family has the cheapest average yearly full coverage at $888. Dairyland's average is the highest at $2,687, costing more than the U.S. average by a big percentage.
| American Family | $888 | $467 |
| Auto-Owners Insurance Co | $939 | $337 |
| Travelers | $955 | $414 |
| Nationwide | $1,105 | $605 |
| GEICO | $1,120 | $465 |
| Shelter | $1,129 | $502 |
| Farmers | $1,244 | $561 |
| State Farm | $1,361 | $475 |
| Iowa Farm Bureau | $1,479 | $414 |
| Progressive | $1,514 | $486 |
| Allstate | $1,536 | $782 |
| Farmers Union Insurance | $1,704 | $500 |
| Dairyland | $2,687 | $1,183 |
Read More: Cheapest Car Insurance Companies in Kansas
Average Kansas Car Insurance Cost by Vehicle Age
In Kansas, newer cars have higher insurance premiums, with full coverage averaging $1,346 yearly. A 10-year-old model is more affordable at $1,050.
| 10-Year-Old Vehicle | $1,050 | $426 |
| New Model Vehicle | $1,346 | $397 |
ACTUAL CASH VALUE
Your vehicle's actual cash value (ACV) represents its worth as determined by your insurer right before any damage. In a comprehensive or collision claim, the insurance company uses ACV to establish the maximum payout for repair or replacement after deducting any applicable deductible. This ensures the payout reflects the car's fair market value.
Read More: Used Car Insurance
Kansas Car Insurance Rates Explained
We compare Kansas car insurance rates with the national average to see if they're affordable. We also break down what goes into the cost of minimum and full coverage policies. Understand how your credit-based insurance score and other factors can influence your premiums.
Is Car Insurance Expensive in Kansas?
Car insurance in Kansas is slightly more expensive, with full coverage averaging $113 per month, which is about 5% higher than the national average.
Read More: Why Car Insurance Is So Expensive
Car Insurance Costs in Kansas vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Kansas Average Cost
Full Coverage Car Insurance
$113KS Car Insurance Is Expensive:$5 more
This is 5% more expensive.
Why Are Car Insurance Rates Expensive in Kansas?
Kansas car insurance rates are high because severe weather, such as storms and cyclones, causes more accidents. These conditions lead to more insurance claims, making coverage more expensive.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Kansas
While average rates reflect how laws and the economy affect car insurance in Kansas, your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
Safe driving reduces the risk of accidents and traffic violations, which can lower insurance premiums due to fewer claims.
Age and Gender
Younger drivers and males often face higher rates. Older drivers benefit from age-related discounts, while women may receive lower quotes.
Credit History
A higher credit score can positively influence your insurance rates. Pay bills on time and reduce debt to improve your credit.
Vehicle Type
Driving a car with a strong safety record and lower repair costs can result in more affordable insurance rates.
Location
Living in areas with lower crime and accident rates can lead to cheaper car insurance due to decreased risk.
Coverage Level
Choosing higher deductibles and coverage that fits your needs can lower premiums. But ensure you're not underinsured in case of an accident.
Marital Status
Married drivers may receive lower rates, as insurers view them as more stable and less risky.
State Law
Know Kansas' minimum insurance requirements to avoid purchasing unnecessary additional insurance.
Read More: Kansas Car Insurance Calculator
Minimum Car Insurance in Kansas
Kansas' minimum car insurance averages $553, lower than the national average of $595. Here's a look at the state's minimum car insurance requirements:
Kansas Car Insurance Requirements
Kansas' minimum coverage auto insurance includes $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability per accident. You also need $25,000 in uninsured/underinsured coverage per person and $50,000 per accident. Personal injury protection (PIP) provides up to $4,500 for medical expenses and other benefits like disability income and in-home services.
Liability Limits | What It Covers |
|---|---|
$25,000 bodily injury liability per person | Medical expenses for injuries you cause to others in an accident |
$50,000 bodily injury liability per accident | Multiple injuries in a single incident |
$25,000 property damage liability per accident | Repairs or replacement of another person's property you damage |
$25,000 uninsured motorist bodily injury per person | Medical expenses if an uninsured driver injures you and your passengers |
$50,000 uninsured motorist bodily injury per accident | Injuries caused by an uninsured driver per accident |
$4,500 PIP per person | Medical expenses, plus $900 monthly for disability or income loss, $25 daily for in-home services, $4,500 for rehabilitation and $2,000 for funeral expenses |
How to Lower Car Insurance Costs in Kansas
To save on Kansas car insurance, compare rates, choose higher deductibles and use eligible discounts.
- 1
Compare Multiple Quotes
Research different insurance providers to find the most affordable car insurance options.
- 2
Lower Your Risk Profile
Having a strong credit score or a clean driving record, without at-fault accidents and moving violations, can greatly reduce your insurance costs because insurers view you as less risky.
- 3
Adjust Your Coverage
Reviewing your coverage needs ensures you pay only for what's necessary. Increasing deductibles or choosing usage-based policies for low-mileage drivers can also help cut costs.
- 4
Ask About Discounts
Inquire about discounts like safe driver, student with good grades, anti-theft, completed defensive driving courses or policy bundling to decrease premiums.
- 5
Consider the Car You Drive
Opting for a vehicle with high safety ratings can reduce car insurance expenses.
Auto Insurance Rates in Kansas: Bottom Line
The average annual cost of full coverage car insurance in Kansas is $1,359, slightly above the national average of $1,296. Rates depend on coverage level, driving record, age, vehicle type, credit history and location. Compared to other states, Kansas offers moderately priced car insurance.
Kansas Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Kansas and how to find affordable rates.
What are the minimum car insurance requirements in Kansas?
Kansas' minimum car insurance requirements include $25,000 per person and $50,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability. The state also mandates uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. Personal injury protection is required, including $4,500 per person for medical expenses, among other benefits.
What is the average cost of full coverage and minimum coverage auto insurance in Kansas?
In Kansas, the average annual cost of full coverage auto insurance is $1,359, slightly above the national average of $1,296. Minimum coverage averages $553, below the national average of $595.
What is the average cost of car insurance for a 25-year-old in Kansas?
The average annual cost of full coverage car insurance for a 25-year-old in Kansas is $1,652, slightly below the state average. Minimum coverage averages $667 per year, also less than the state average.
What are the cheapest car insurance companies in Kansas?
American Family offers the most affordable car insurance in Kansas, with average annual rates of $888 for full coverage and $467 for minimum coverage.
Kansas Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Kansas:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum coverage limits as mandated by Kansas:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $4,500 personal injury protection (PIP) per person
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.