How Much Is Car Insurance in Kansas? (November 2024)

Kansas drivers can expect to pay about $1,359 each year for full coverage car insurance and around $553 for minimum coverage.

Insurance companies consider several factors when determining your car insurance premiums. These factors include your age, the coverage level you want, where you live, your driving record, and your credit history.

In Kansas, the average cost of full coverage car insurance is $1,359 per year or $113 per month. Knowing the average cost helps determine whether you receive a competitive car insurance quote. You should also compare car insurance quotes for better decision-making.

Below are the average auto insurance prices in Kansas. The table includes rates for minimum coverage and more comprehensive full coverage policies, showing expected monthly and annual premiums.

Car insurance in Kansas is moderately priced. Full coverage with a $1,000 deductible costs around $1,359 per year, which is quite similar to the national average cost of $1,358. Minimum coverage is also moderately priced at $553 per year, compared to the national average of $628.

Factors contributing to these moderate Kansas car insurance rates include the state's relatively lower population density, which reduces traffic congestion and the likelihood of accidents. Weather conditions and the frequency of claims also impact insurance costs, with Kansas experiencing fewer natural disasters that would lead to high claims. The competitive insurance market in Kansas helps keep insurance premiums at a moderate level.

Car insurance premiums can vary significantly between companies, even within the same state. For drivers in Kansas seeking affordable full coverage, American Family offers an average annual premium of $888. Dairyland is the most expensive provider, charging around $2,687 per year.

It's important to compare car insurance quotes from multiple providers to find the cheapest car insurance in Kansas. Shopping around could mean significant savings, as rates differ from one company to the next.

The cost of car insurance in Kansas is affected by the level of coverage you select, with higher levels generally leading to increased premiums. For example, the monthly cost for minimum coverage is around $46, while full coverage with a $1,000 deductible is approximately $113. Despite the additional cost, full coverage insurance is recommended as it provides more extensive financial protection against a variety of incidents.

Adding comprehensive and collision coverages will raise your insurance rates, but electing for higher deductibles can mitigate the impact on your premium. The chosen deductible amount applies individually to both comprehensive and collision coverages on your policy.

Kansas law mandates that drivers carry minimum car insurance requirements, which include bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, with additional personal injury protection and survivor's benefits.

Your Kansas location significantly influences car insurance premiums. Olathe has the cheapest full coverage option at about $1,062 per year, while Kansas City has a higher annual rate of around $1,254 for comparable coverage.

Car insurance costs in Kansas fluctuate based on several important factors. These include your driving record, the type of car you drive and the amount of coverage you select. Traffic volume and local crime rates also significantly impact insurance premiums.

In Kansas, age significantly affects car insurance costs. Younger drivers tend to pay the most due to the associated risk of having less driving experience.

Drivers aged 22 to 29 pay the most, with average insurance premiums at $1,652 annually. Premiums typically progressively decline as individuals age, with middle-aged drivers (30 to 59) paying around $1,359 and those aged 60 and above enjoying the lowest rates at approximately $1,256 yearly, reflecting the perceived lower risk and increased driving experience over time.

Age and gender influence car insurance rates in Kansas. When added to a family policy, 16-year-old male drivers typically receive the highest premiums at roughly $2,506 annually. On the other hand, an individual policy costs more at around $5,130 per year. Note that teens under 18 often need a parent or guardian to co-sign their car insurance.

The average annual cost of full coverage car insurance for a 2012 model is $1,050, while the same coverage jumps to $1,346 for a 2022 model. The newer model’s increased insurance premium can be attributed to its higher actual cash value, more expensive repair costs and the elevated risk of theft. Drivers with newer vehicles are advised to invest in comprehensive and collision coverage, ensuring their vehicle is protected against various damages and losses.

Car insurance costs in Kansas vary depending on the severity of the violation on your driving record.

• With a ticket: $1,697 per year; $141 per month
• With an at-fault accident: $1,984 per year; $165 per month
• With a DUI: $2,241 per year; $187 per month

The more severe a driving violation, the more you'll pay for car insurance in Kansas. Violations stay on your record and affect your premiums for varying periods. For example, a DUI in Kansas typically stays on your record for up to five years.

To find the average cost of car insurance in Kansas for your specific situation, you can navigate the table below by coverage and age group.

Drivers in Kansas can see significant differences in car insurance costs based on their credit scores. The average annual premiums range from $746 for excellent credit to $1,689 for poor credit.

In Kansas, your credit score is a key factor insurance companies use to determine rates. This score reflects how responsible you are with credit and falls into ranges like excellent (800 to 850), good (740 to 799), fair (670 to 739), below fair (580 to 669) or poor (300 to 579). A high credit score suggests you're less likely to file a claim, leading to more affordable insurance options.

Various factors can influence the average cost of car insurance in Kansas, which may affect the affordability of your policy. Some common factors are:

• Driving Record: A clean driving record can result in lower insurance rates, whereas violations or accidents typically increase premiums.
• Age and Gender: Younger drivers, especially males, tend to face higher rates due to perceived inexperience, while older drivers often enjoy more affordable premiums.
• Vehicle Type: Cars that cost more to repair or replace or have a high theft rate can lead to higher insurance costs.
• Location: Urban areas with dense traffic and higher theft rates may have higher insurance rates than rural locations.
• Credit Score: A higher credit score may be rewarded with lower insurance rates as it is seen as a sign of responsible financial behavior.
• Coverage Level: Opting for minimum coverage can be more affordable, while adding collision or comprehensive insurance will increase the cost.
• Annual Mileage: Lower annual mileage can result in lower insurance rates, as there is less risk of an accident with less time on the road.
• Discounts: Discounts for safe driving, multiple policies and vehicle safety features can reduce the overall cost of car insurance.

Remember, finding the right balance between coverage and cost is key to securing an insurance policy that meets your needs and budget in Kansas.

To secure affordable car insurance in Kansas, compare rates from multiple providers, opt for a higher deductible to lower premiums and leverage all available discounts.

Understanding the average cost of car insurance in Kansas is essential for drivers seeking to budget effectively for their vehicle expenses. We provide insights and detailed answers about what you can expect to pay and how to potentially save on your premiums.