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Last updated: July 6, 2023

Average Cost of Car Insurance in Kansas

Here are the average rates to insure a vehicle in the Sunflower State.

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Maya Afilalo
Maya Afilalo, Senior Staff Writer & Editor

Compared to other states, Kansans pay less for auto insurance — rates are 31 percent below the national average, according to the National Association of Insurance Commissioners. Your coverage levels, credit score, age, and other factors will affect how much you pay. Full coverage costs the most, though it also gives you the greatest protection in the event of an accident. Read on to learn average rates in Kansas, which depend in part on your ZIP code, as well as your coverage limits.

Average Car Insurance Rates in Kansas

On average, Kansans pay $1,118 annually for auto insurance, or $93 per month. We’ve broken down average rates by category and by company to help you shop the market.

By Age

On average, teenagers pay more for car insurance; in Kansas, they pay $3,658 annually or $304 monthly. In every state, teens pay more for auto insurance than adults. Completing a driver education course, driving a safer vehicle, and adding teens to an existing policy (rather than buying a new one) are all ways to lower auto insurance costs.

Generally speaking, the older you are, the less you pay for insurance — until rates begin to creep back up in your sixties.

Age Average annual cost of car insurance
16 $4,151
17 $3,829
18 $4,039
19 $2,615
20s $2,130
30s $1,438
40s $1,377
50s $1,239
60s $1,404
70s $1,542

By Gender

Due to their higher likelihood of engaging in unsafe driving behaviors, men tend to pay more than women for auto insurance. However, in Kansas, the difference is negligible at $10 annually, or less than a dollar per month.

Gender Average annual cost of car insurance
Male $1,606
Female $1,596

By Marital Status

Married individuals tend to pay less for auto insurance than people who are single or divorced. If you’re married, you’ll save about $120 annually on auto insurance in Kansas.

TIP

Some insurance providers allow unmarried couples who live at the same residence to purchase policies together, which may qualify you for a multicar discount.1

Marital status Average annual cost of car insurance
Single $1,424
Married $1,303
Divorced $1,424
Widowed $1,386

By Coverage Level

In Kansas, full coverage costs about three times as much as minimum coverage. Before you drop your coverage, consider whether you can afford to pay out of pocket in the event of an accident.

Coverage level Average annual cost of car insurance
Minimum $434
Full $1,412

By Credit Score

Forty-six states, including Kansas, allow insurance companies to take your credit score into account when determining your premiums. Statistically, people with low credit tend to file more claims, which is why insurance companies consider it a high-risk designation and charge people with low credit scores more for auto insurance.

Credit score Average annual cost of car insurance
Poor $2,429
Average $1,779
Good $1,527
Excellent $1,288

By Violation

Speeding, DUIs, and other traffic violations not only endanger yourself and others, they also raise your premiums significantly.

DID YOU KNOW?

In Kansas, a DUI stays on your driving record for life.2

Driving history Average annual cost of car insurance
Clean driving record $1,361
Speeding ticket $1,703
Accident $1,996
DUI $2,151

By Company

The cost of auto insurance varies from company to company. Available to military members, veterans, and their families, USAA offers the cheapest auto insurance in Kansas at $623 annually.

Company Average annual cost of car insurance
Allstate $987
GEICO $1,170
Progressive $1,053
State Farm $848
Travelers $957
USAA $623

Get car insurance quotes from more than one auto insurance company. Shop around and compare quotes to find a cheap car insurance company in Kansas.

Cheapest Car Insurance in Kansas

The following companies have the cheapest rates for auto insurance in Kansas, depending on what categories you fall into.

Category Cheapest company Annual rate
Excellent credit Shelter $1,132
Good credit Shelter $1,165
Low credit GEICO $2,176
Ticket American Family $1,305
At-fault accident State Farm $1,615
DUI American Family $1,744
Military/veteran USAA $623
Married State Farm $1,068
Single Shelter $1,151
Full coverage State Farm $1,148
Minimum coverage State Farm $366
Male teens Nationwide $3,272
Female teens Nationwide $3,187

How to Save on Car Insurance in Kansas

The following strategies can help you lower your monthly premiums for car insurance in Kansas:

  • Get at least three quotes: To find the lowest prices, we recommend comparing quotes from at least three insurance companies. If you’ve recently experienced a life change, such as moving or getting married, it’s worth looking around to see if you can find cheaper insurance.
  • Take a defensive driving class: Many insurance companies offer lower premiums for drivers who take defensive driving courses. Keep an eye out for providers that provide this discount.
  • Drop your coverage: If you cannot afford your car insurance payments, consider dropping optional coverages like collision and comprehensive. Keep in mind that in the event of an at-fault accident, minimum coverage can lead to higher out-of-pocket expenses.

Minimum Car Insurance in Kansas

At a minimum, the state of Kansas requires drivers to hold the following coverages3:

Coverage Kansas required limit
Bodily injury liability per person/accident $25,000/$50,000
Property damage liability per accident $25,000 per accident
Personal injury protection per person
  • $4,500 — medical expenses
  • $900 per month for one year — disability/loss of income
  • $25 per day — in-home services
  • $2,000 — funeral, burial, or cremation expenses
  • $4,500 — rehabilitation expenses to train for re-employment
  • $900 per month for one year — disability/loss-of-income survivor benefits
  • $25 per day for up to one year — in-home services survivor benefits
Uninsured/underinsured motorist bodily injury $25,000 per person/$50,000 per accident

Fault Law in Kansas

Kansas is a no-fault state, meaning each party files a claim with their provider to receive compensation after an accident. This is why Kansas requires all drivers to carry personal injury protection (PIP).

If you are less than 50 percent at fault for the accident, you can file a claim for additional compensation against the at-fault driver’s liability coverage. Kansas is a modified comparative negligence state, so your compensation will reduce in proportion to your responsibility for the accident. For example, if a jury finds that you are 30 percent at fault and your damages are worth $100,000, you will receive $70,000.

SR-22s

In Kansas, if your license is suspended or you are convicted of a serious traffic violation such as a DUI, you must file an SR-22 to reinstate your license. An SR-22 is a certificate certifying that a driver holds minimum insurance coverage. Typically, your insurance company files the SR-22 for you. To maintain your driving privileges, you must maintain your insurance policy with no lapses for 12 months.

If you are unable to find insurance through a traditional provider, you can seek coverage through the Kansas Automobile Insurance Plan with the following contact information:

Recap

Auto insurance rates in Kansas are cheaper than the national average. Unlike most states, Kansas has no-fault laws, meaning each party files a claim with their own insurance provider after an accident. State Farm, Travelers, and USAA offer some of the cheapest rates in Kansas. To find the lowest premiums, compare at least three quotes from the best car insurance companies in Kansas.

Methodology

Over the course of 20 years in the industry, AutoInsurance.com has amassed millions of data points that offer insight into each auto insurance provider and customer success by demographic. We leverage our database along with knowledge of state-specific laws, coverage requirements, fault systems, and SR-22s to break down how much you’ll pay.

Frequently Asked Questions

Who offers the cheapest car insurance in Kansas City?

Shelter, State Farm, Nationwide, and American Family offer the cheapest rates in Kansas City. On average, drivers in Kansas City pay 8 to 10 percent above the state average for auto insurance.

How much is car insurance for a 22- year-old in Kansas?

The average cost of auto insurance for a 22-year-old in Kansas is about $2,300. Typically, auto insurance rates drop at age 21 and again at age 25.

Is $100 a lot for car insurance?

A monthly rate of $100 is considered good for full-coverage car insurance. In Kansas, full coverage typically runs closer to $116 per month. For minimum coverage, $100 monthly is high in Kansas, since the average is about $36 monthly.

What percent of your income should go to car insurance?

Financial experts say you should spend no more than 20 percent of your take-home pay on car-related expenses, including insurance, car payments, and fuel.

Citations

  1. Car insurance for unmarried couples. Progressive. (2023).
    https://www.progressive.com/answers/car-insurance-for-unmarried-couples/

  2. Frequently Asked Questions Section. DS Online.
    https://www.ksrevenue.gov/courts/faqs.html

  3. Car Insurance & Car Insurance Requirements in Kansas. American Family Insurance. (2023).
    https://www.amfam.com/insurance/car/coverages-by-state/kansas

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