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Why Compare Car Insurance Rates in Kansas:

  • On average, people who compare rates save about $970 a year on car insurance
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  • We don’t sell your information to spammers.

Auto insurance is an important purchase, but finding cheap car insurance in Kansas can be difficult. That is why it is critical to compare rates from various insurers. Our best and cheap car insurance companies' ranking is based on real customer feedback and pricing data to help you find the best car insurance policy for you.

Our survey not only helped us determine the best car insurance companies overall, but it also helped us determine how these companies determine rates for various categories of drivers.

The best auto insurance company isn't always the cheapest. It's tempting to shop for a new insurance policy based solely on price, but you need a company that will be there for you when the time comes to file a claim. After all, you don't want to select the cheapest car insurance quote only to discover that it doesn't provide the necessary coverage.

Minimum Required Auto Insurance Coverage in Kansas

All states require you to buy such insurance coverage before you can register your car. According to the Kansas Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50000 ($100000 for injuries resulting in death)
Property Damage Liability $25000
Uninsured Motorist $25000 bodily injury per person $50000 bodily injury per accident

Cheapest Car Insurance in Kansas for Minimum Required Coverage

Going with the bare minimum of coverage may help you save money on car insurance, but it isn't always the best option. Compared to full-coverage auto insurance, Kansans will only save about $50 per year. USAA and THE GENERAL are the cheapest options for low-cost car insurance, while Allstate is the most expensive.

COMPANY AVERAGE ANNUAL RATE
USAA $803
The General $864
State Farm $1,131
Nationwide $1,204
Travelers $1,234
Statewide Average $1,260
American Family Insurance $1,329
Progressive $1,349
Iowa Farm Bureau $1,436
Farmers $1,476
MetLife $1,538
Allstate $1,780

See what you could save on auto insurance

Do I Need More Than the Minimum Required State Coverage in Kansas?

The best insurance is not necessarily the cheapest insurance. You may want more than the minimum insurance required by the state, depending on what you can afford. Collision insurance, for example, covers damage to your car, and comprehensive coverage covers your car for burglary, fire, blizzards, natural disasters, and animal accidents, such as deer or moss.

State insurance guidelines had already been laid down several years ago. Consumer and insurance advocates say that it is better to have a 100/300 exposure policy-a policy that pays $100,000 per injury and $300,000 per accident.

Kansas Car Insurance Laws

Kansas is a no-fault state, which means that in the event of an accident, each driver is required to pay up to their policy limit for their medical expenses and those of their passengers.

Kansas is a diminished value state, which means that drivers can recover diminished value from the at-fault party's insurance company. When your car is involved in an accident, its resale value drops even if it is fully repaired to its pre-accident condition. The presence of a collision reduces the value of your car in comparison to similar cars that have not been involved in an accident. A diminished value claim allows you to recoup any losses you incurred when selling your car.

PIP laws in Kansas

Kansas drivers are required to carry PIP coverage. This shoul d be part of their car insurance policy. Kansas drivers must have at least $4518 per individual in PIP coverage.

Personal Injury Protection, or PIP, is the name given to this type of coverage. PIP coverage pays for medical expenses incurred by you and your passengers in the event of an accident, regardless of fault. Even if their PIP limits have been exhausted, drivers may still be able to receive compensation from the at-fault party.

Auto Insurance Coverage Types

Like most states, Kansas has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.

To be lawful in Kansas, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage alternatives.

Proof of Auto Insurance in Kansas

Like the majority of other states in the United States, Kansas requires drivers to have car insurance. Proof of insurance coverage must be carried at all times and shown to law enforcement officials upon request. This proof can be both physical and electronic.

All drivers in Kansas are required by law to have insurance. If you fail to provide proof of this coverage, you will face the following penalties:

  • Maintaining an SR-22 filing for twelve months.
  • Fines of $300 to $1,000 (or $800 to $2,500 for subsequent convictions)
  • Jail time of up to six months
  • Future insurance rates will be higher

Carrying the appropriate amount of insurance is critical if you want to keep yourself protected - and on the right side of the law. This not only ensures that you are not exposed to unnecessary damage but it can also help protect your car. If you're concerned about the cost of increasing your limits or adding coverage, it might be a good idea to shop around for a new policy.

Way.com can assist you in obtaining car insurance quotes from a variety of top carriers so that you can obtain the coverage you require.

Average Cost of Auto Insurance Companies in Kansas

Kansas' average annual car insurance cost is $1293, slightly lower than the national average. With an average cost of $838 per year, USAA provides the cheapest car insurance rates for Kansas - though it does have somewhat limited availability due to its targeting of individuals with a military affiliation. THE GENERAL is the next best option, with wider availability and an annual cost of $893 for the average Kansas resident.

COMPANY AVERAGE ANNUAL RATE
USAA $838
The General $893
Nationwide $1,129
State Farm $1,179
MetLife $1,192
Travelers $1,266
Statewide Average $1,291
American Family Insurance $1,384
Progressive $1,405
Iowa Farm Bureau $1,455
Farmers $1,546
Allstate $1,824

However, keep in mind that these are average rates based on available data, and they may not be representative of what you'll pay for auto insurance.

Cheapest car insurance quotes for Kansas drivers

The better your driving record, the lower your car insurance premiums are likely to be. If you have a clean driving record, the most affordable options for Kansas drivers are USAA or THE GENERAL. Meanwhile, Allstate will generally charge the highest rates to these drivers.

COMPANY AVERAGE ANNUAL RATE
USAA $828
The General $893
Nationwide $1,129
State Farm $1,179
Travelers $1,266
MetLife $1,288
Statewide Average $1,349
American Family Insurance $1,384
Progressive $1,405
Iowa Farm Bureau $1,455
Farmers $1,546
Allstate $1,824

See what you could save on auto insurance

Cheap car insurance in Kansas for young drivers

Several factors will determine the cost of your car insurance, and insurers consider factors such as your age, driving record, credit score, and amount of coverage. THE GENERAL is the most affordable option for young adults, with rates under $3,000 for men and women, and Progressive is the most expensive option for this group.

COMPANY 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $5,828 $6,452
American Family Insurance $2,643 $3,188
Farmers $5,720 $6,137
The General $2,393 $3,602
Iowa Farm Bureau $3,615 $3,934
Nationwide $3,414 $3,946
Progressive $7,452 $8,245
State Farm $2,807 $3,593
Travelers $3,172 $3,765
USAA $2,877 $3,025
Statewide Average $3,992 $4,589

Cheap car insurance for Kansas drivers with a speeding ticket

If you get a speeding ticket in Kansas, you can expect your car insurance rates to rise by about 19%. On average, Allstate is the most expensive option, while USAA is the least expensive, followed by THE GENERAL.

COMPANY AVERAGE ANNUAL RATE
USAA $997
The General $1,112
State Farm $1,258
MetLife $1,315
Nationwide $1,350
American Family Insurance $1,384
Statewide Average $1,365
Travelers $1,648
Progressive $1,785
Iowa Farm Bureau $1,808
Farmers $1,968
Allstate $1,991

Cheap auto insurance for Kansas drivers after a car accident

If you have an accident, you will pay approximately 34% more for car insurance in Kansas than someone with a clean driving record. Once again, Allstate is the most expensive option for people in this demographic, while USAA is the least expensive. If that isn't an option for you, Nationwide is the next cheapest option.

COMPANY AVERAGE ANNUAL RATE
USAA $1,148
Nationwide $1,177
MetLife $1,315
State Farm $1,336
Statewide Average $1,353
American Family Insurance $1,542
The General $1,661
Travelers $1,699
Iowa Farm Bureau $2,113
Progressive $2,140
Farmers $2,152
Allstate $2,269

Cheap car insurance quotes for Kansas drivers with a DUI

The average cost of car insurance for those with a DUI on their driving record is nearly double that of someone with a clean record. State Farm has the cheapest car insurance for people in this category, while the Iowa Farm Bureau has the most expensive.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,258
American Family Insurance $1,384
Progressive $1,523
Statewide Average $1,388
Travelers $1,850
USAA $1,903
Farmers $2,072
Allstate $2,298
MetLife $2,301
Nationwide $2,302
The General $3,126
Iowa Farm Bureau $3,435

Cheap car insurance for married Kansas drivers

Married drivers can save money on car insurance because insurers believe they are less likely to engage in risky driving. In Kansas, for example, a married individual can save an average of $90 per year on a full coverage policy. On the other hand, State Farm is the cheapest insurer for married drivers, even though it does not discount married drivers.

Company Annual rate
State Farm $1167
Progressive $1509
American Family $1647
Farm Bureau $1689
Allstate $2412

Cheap full coverage car insurance quotes for young drivers with an accident history

An accident will almost always result in an increase in your car insurance premiums the next time you renew.

Company Annual rate
State Farm $1491
American Family $1500
Farm Bureau $1752
Allstate $3045
Progressive $3177

Compare car insurance rates in top Cities

The cost of car insurance in Kansas is significantly affected by your location because rates differ between cities within a state. In Olathe, a full coverage car insurance policy costs an average of $823 per year.

In comparison, drivers in Kansas City spend approximately $1062 per year on car insurance.

Gardner has the coverage set at $1581 per year for full coverage, and Garden City has the most expensive, at $2,032 per year.

Auto coverage costs are higher in large cities, where accidents and theft are more common. For full coverage, auto insurance premiums in Kansas can vary by up to $455, depending on where you live.

CityAnnual Rate
Abbyville$1,757
Abilene$1,673
Admire$1,685
Agenda$1,793
Agra$1,877
Albert$1,817
Alden$1,805
Alexander$1,841
Allen$1,685
Alma$1,697
Almena$1,889
Alta Vista$1,697
Altamont$1,781
Alton$1,805
Altoona$1,793
Americus$1,673
Andale$1,757
Andover$1,805
Anthony$1,865
Arcadia$1,781
Argonia$1,793
Arkansas City$1,757
Arlington$1,781
Arma$1,745
Arnold$1,889
Ashland$1,997
Assaria$1,601
Atchison$1,757
Athol$1,865
Atlanta$1,793
Attica$1,889
Atwood$1,829
Auburn$1,625
Augusta$1,757
Aurora$1,757
Axtell$1,709
Baileyville$1,685
Baldwin City$1,637
Barnard$1,733
Barnes$1,733
Bartlett$1,781
Basehor$1,733
Baxter Springs$1,793
Bazine$1,877
Beattie$1,697
Beaumont$1,745
Beeler$1,853
Bel Aire$1,769
Belle Plaine$1,769
Belleville$1,781
Beloit$1,745
Belpre$1,841
Belvue$1,649
Bendena$1,745
Benedict$1,805
Bennington$1,649
Bentley$1,745
Benton$1,757
Bern$1,709
Berryton$1,685
Beverly$1,649
Bird City$1,829
Bison$1,853
Blue Mound$1,745
Blue Rapids$1,709
Bluff City$1,865
Bogue$1,841
Bonner Springs$1,745
Bremen$1,733
Brewster$1,829
Bronson$1,769
Brookville$1,613
Brownell$1,877
Bucklin$2,033
Bucyrus$1,685
Buffalo$1,793
Buhler$1,709
Bunker Hill$1,805
Burden$1,769
Burdett$1,829
Burdick$1,661
Burlingame$1,721
Burlington$1,745
Burns$1,745
Burr Oak$1,769
Burrton$1,673
Bushton$1,805
Byers$1,817
Caldwell$1,769
Cambridge$1,793
Caney$1,781
Canton$1,637
Carbondale$1,733
Cassoday$1,721
Catharine$1,733
Cawker City$1,745
Cedar$1,853
Cedar Point$1,769
Cedar Vale$1,817
Centerville$1,745
Centralia$1,709
Chanute$1,769
Chapman$1,661
Chase$1,829
Chautauqua$1,817
Cheney$1,745
Cherokee$1,757
Cherryvale$1,769
Chetopa$1,805
Chicopee$1,745
Cimarron$2,045
Circleville$1,685
Claflin$1,841
Clay Center$1,673
Clayton$1,841
Clearview City$1,625
Clearwater$1,817
Clifton$1,733
Clyde$1,781
Coats$1,841
Coffeyville$1,793
Colby$1,817
Coldwater$1,985
Collyer$1,853
Colony$1,745
Columbus$1,817
Colwich$1,757
Concordia$1,781
Conway Springs$1,769
Coolidge$1,985
Copeland$2,021
Corning$1,697
Cottonwood Falls$1,781
Council Grove$1,685
Courtland$1,793
Crestline$1,781
Cuba$1,781
Cummings$1,757
Cunningham$1,793
Damar$1,865
Danville$1,865
De Soto$1,625
Dearing$1,793
Deerfield$2,021
Delia$1,745
Delphos$1,733
Denison$1,721
Dennis$1,769
Denton$1,733
Derby$1,721
Dexter$1,781
Dighton$1,865
Dodge City$2,033
Dorrance$1,805
Douglass$1,769
Downs$1,817
Dresden$1,841
Durham$1,661
Dwight$1,649
Eastborough$1,829
Easton$1,745
Edgerton$1,625
Edna$1,805
Edson$1,817
Edwardsville$1,901
Effingham$1,745
El Dorado$1,745
Elbing$1,673
Elk City$1,769
Elk Falls$1,805
Elkhart$2,009
Ellinwood$1,853
Ellis$1,745
Ellsworth$1,781
Elmdale$1,757
Elsmore$1,769
Elwood$1,757
Emmett$1,661
Emporia$1,697
Englewood$2,021
Ensign$2,045
Enterprise$1,661
Erie$1,793
Esbon$1,757
Eskridge$1,757
Eudora$1,589
Eureka$1,793
Everest$1,697
Fairview$1,685
Fairway$1,661
Fall River$1,805
Falun$1,625
Farlington$1,781
Florence$1,673
Fontana$1,709
Ford$2,033
Formoso$1,805
Fort Dodge$2,021
Fort Leavenworth$1,733
Fort Riley$1,625
Fort Scott$1,721
Fostoria$1,661
Fowler$2,021
Frankfort$1,721
Franklin$1,745
Fredonia$1,793
Freeport$1,889
Frontenac$1,781
Fulton$1,745
Galena$1,793
Galesburg$1,757
Galva$1,625
Garden City$2,033
Garden Plain$1,769
Gardner$1,577
Garfield$1,841
Garland$1,769
Garnett$1,781
Gas$1,745
Gaylord$1,853
Gem$1,841
Geneseo$1,781
Geuda Springs$1,757
Girard$1,781
Glade$1,877
Glasco$1,733
Glen Elder$1,733
Goddard$1,793
Goessel$1,661
Goff$1,697
Goodland$1,817
Gorham$1,793
Gove$1,829
Grainfield$1,829
Grandview Plaza$1,625
Grantville$1,721
Great Bend$1,841
Greeley$1,793
Green$1,733
Greenleaf$1,733
Greensburg$1,889
Greenwich$1,793
Grenola$1,817
Gridley$1,745
Grinnell$1,829
Gypsum$1,625
Haddam$1,745
Halstead$1,625
Hamilton$1,781
Hanover$1,745
Hanston$2,033
Hardtner$2,009
Harper$1,829
Hartford$1,769
Harveyville$1,625
Havana$1,781
Haven$1,733
Havensville$1,649
Haviland$1,877
Hays$1,721
Haysville$1,841
Hazelton$1,997
Healy$1,853
Hepler$1,757
Herington$1,661
Herndon$1,841
Hesston$1,613
Hiawatha$1,709
Highland$1,733
Hill City$1,841
Hillsboro$1,661
Hillsdale$1,697
Hoisington$1,853
Holcomb$2,045
Hollenberg$1,733
Holton$1,697
Holyrood$1,793
Home$1,709
Hope$1,661
Horton$1,721
Howard$1,817
Hoxie$1,829
Hoyt$1,673
Hudson$1,841
Hugoton$2,033
Humboldt$1,757
Hunter$1,733
Hutchinson$1,721
Independence$1,769
Ingalls$2,045
Inman$1,637
Iola$1,745
Isabel$1,877
Iuka$1,829
Jamestown$1,781
Jennings$1,841
Jetmore$2,045
Jewell$1,805
Johnson City$2,009
Junction City$1,625
Kanopolis$1,805
Kanorado$1,829
Kansas City$2,009
Kechi$1,781
Kendall$2,021
Kensington$1,853
Kincaid$1,793
Kingman$1,793
Kinsley$1,877
Kiowa$2,009
Kirwin$1,889
Kismet$2,057
La Crosse$1,841
La Harpe$1,745
Lacygne$1,781
Lake City$2,009
Lake Quivira$1,649
Lakin$2,009
Lamont$1,745
Lancaster$1,733
Lane$1,733
Lansing$1,721
Larned$1,865
Latham$1,793
Lawrence$1,625
Le Roy$1,733
Leavenworth$1,745
Leawood$1,637
Lebanon$1,865
Lebo$1,733
Lecompton$1,637
Lehigh$1,625
Lenexa$1,625
Lenora$1,841
Leon$1,733
Leonardville$1,649
Leoti$1,865
Levant$1,829
Lewis$1,853
Liberal$2,009
Liberty$1,769
Liebenthal$1,829
Lincoln$1,721
Lincoln Center$1,721
Lincolnville$1,697
Lindsborg$1,601
Linn$1,721
Linwood$1,733
Little River$1,805
Logan$1,889
Long Island$1,889
Longford$1,745
Longton$1,805
Lorraine$1,805
Lost Springs$1,661
Louisburg$1,685
Lucas$1,793
Ludell$1,829
Luray$1,793
Lyndon$1,697
Lyons$1,805
Macksville$1,853
Madison$1,781
Mahaska$1,781
Maize$1,793
Manhattan$1,601
Mankato$1,781
Manter$1,901
Maple City$1,805
Maple Hill$1,697
Mapleton$1,757
Marienthal$1,889
Marion$1,649
Marquette$1,709
Marysville$1,709
Matfield Green$1,781
Mayetta$1,697
Mayfield$1,769
Mc Cracken$1,841
Mc Cune$1,769
Mc Donald$1,829
Mc Farland$1,709
Mc Louth$1,733
McConnell AFB$1,817
McPherson$1,613
Meade$2,021
Medicine Lodge$2,009
Melvern$1,745
Meriden$1,685
Merriam$1,649
Milan$1,769
Milford$1,625
Milton$1,733
Miltonvale$1,721
Minneapolis$1,721
Minneola$2,033
Mission$1,661
Mission Hills$1,661
Moline$1,829
Montezuma$2,033
Monument$1,817
Moran$1,781
Morganville$1,721
Morland$1,829
Morrill$1,685
Morrowville$1,769
Moscow$2,021
Mound City$1,781
Mound Valley$1,781
Moundridge$1,637
Mount Hope$1,757
Mulberry$1,781
Mullinville$1,853
Mulvane$1,781
Munden$1,793
Murdock$1,793
Muscotah$1,721
Narka$1,733
Nashville$1,757
Natoma$1,793
Neal$1,769
Nekoma$1,841
Neodesha$1,793
Neosho Falls$1,721
Neosho Rapids$1,733
Ness City$1,877
Netawaka$1,685
New Cambria$1,613
New Century$1,625
Newton$1,625
Nickerson$1,721
Niotaze$1,817
Norcatur$1,829
North Newton$1,601
Norton$1,877
Nortonville$1,733
Norway$1,733
Norwich$1,817
Oaklawn-Sunview$1,817
Oakley$1,817
Oberlin$1,829
Offerle$1,841
Ogallah$1,889
Ogden$1,625
Oketo$1,697
Olathe$1,601
Olmitz$1,817
Olpe$1,685
Olsburg$1,649
Onaga$1,697
Oneida$1,709
Opolis$1,745
Osage City$1,721
Osawatomie$1,697
Osborne$1,805
Oskaloosa$1,769
Oswego$1,781
Otis$1,829
Ottawa$1,745
Overbrook$1,649
Overland Park$1,625
Oxford$1,769
Ozawkie$1,733
Palco$1,877
Palmer$1,733
Paola$1,697
Paradise$1,805
Park$1,829
Park City$1,805
Parker$1,781
Parkerfield$1,757
Parsons$1,793
Partridge$1,769
Pawnee Rock$1,805
Paxico$1,697
Peabody$1,637
Peck$1,805
Penokee$1,841
Perry$1,709
Peru$1,805
Pfeifer$1,757
Phillipsburg$1,889
Piedmont$1,817
Pierceville$2,057
Piqua$1,745
Pittsburg$1,745
Plains$2,021
Plainville$1,877
Pleasanton$1,781
Plevna$1,769
Pomona$1,745
Portis$1,781
Potwin$1,733
Powhattan$1,697
Prairie View$1,877
Prairie Village$1,649
Pratt$1,805
Prescott$1,769
Pretty Prairie$1,769
Princeton$1,745
Protection$2,021
Quenemo$1,733
Quinter$1,829
Ramona$1,661
Randall$1,805
Randolph$1,649
Ransom$1,877
Rantoul$1,745
Raymond$1,817
Reading$1,649
Redfield$1,733
Republic$1,781
Rexford$1,841
Richfield$2,045
Richmond$1,745
Riley$1,613
Riverton$1,769
Robinson$1,685
Rock$1,769
Roeland Park$1,673
Rolla$2,021
Rosalia$1,733
Rose Hill$1,769
Rossville$1,613
Roxbury$1,637
Rozel$1,853
Rush Center$1,853
Russell$1,781
Sabetha$1,685
Saint George$1,613
Saint Paul$1,793
Salina$1,601
Satanta$2,021
Savonburg$1,757
Sawyer$1,817
Scammon$1,793
Scandia$1,781
Schoenchen$1,733
Scott City$1,901
Scranton$1,721
Sedan$1,817
Sedgwick$1,685
Selden$1,841
Seneca$1,709
Severy$1,793
Sharon$2,021
Sharon Springs$1,853
Shawnee$1,637
Silver Lake$1,637
Simpson$1,745
Smith Center$1,853
Soldier$1,697
Solomon$1,661
South Haven$1,769
South Hutchinson$1,745
Spearville$2,021
Spivey$1,781
Spring Hill$1,637
St. Francis$1,829
St. John$1,841
St. Marys$1,625
Stafford$1,829
Stark$1,781
Sterling$1,805
Stilwell$1,637
Stockton$1,865
Strong City$1,769
Sublette$2,033
Summerfield$1,697
Sun City$2,009
Sylvan Grove$1,721
Sylvia$1,805
Syracuse$1,997
Talmage$1,721
Tampa$1,661
Tecumseh$1,697
Tescott$1,661
Thayer$1,781
Tipton$1,757
Tonganoxie$1,745
Topeka$1,673
Toronto$1,757
Towanda$1,745
Treece$1,805
Tribune$1,841
Troy$1,769
Turon$1,793
Tyro$1,769
Udall$1,745
Ulysses$2,009
Uniontown$1,733
Utica$1,841
Valley Center$1,781
Valley Falls$1,721
Vassar$1,721
Vermillion$1,709
Victoria$1,745
Viola$1,757
Virgil$1,769
Wakarusa$1,637
Wakeeney$1,841
Wakefield$1,661
Waldo$1,793
Waldron$1,889
Walker$1,745
Wallace$1,829
Walnut$1,757
Walton$1,637
Wamego$1,625
Washington$1,709
Waterville$1,733
Wathena$1,757
Waverly$1,757
Webber$1,805
Weir$1,793
Welda$1,769
Wellington$1,757
Wellsville$1,697
Weskan$1,817
West Mineral$1,793
Westmoreland$1,661
Westphalia$1,745
Westwood$1,673
Westwood Hills$1,673
Wetmore$1,697
White City$1,649
White Cloud$1,721
Whitewater$1,709
Whiting$1,685
Wichita$1,829
Williamsburg$1,745
Wilmore$2,033
Wilsey$1,649
Wilson$1,805
Winchester$1,781
Windom$1,661
Winfield$1,793
Winona$1,817
Woodbine$1,649
Woodston$1,865
Wright$2,045
Yates Center$1,781
Zenda$1,781

Cheap auto insurance in Kansas with bad credit

Company Avg. Annual Premium
The General $1,799
Nationwide $1,811
USAA $2,479
Farmers $2,696
Progressive $3,060
State Farm $3,357
Allstate $3,644


Kansas auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,801 1% $10
One Med/PIP claim $1,801 1% $10
Not-at-fault accident $1,857 4% $67
Two Med/PIP claims $1,924 8% $134
One comp claim $1,935 9% $144
Two comp claims $2,004 12% $213
Failure to wear a seat belt $2,004 12% $214
Driving without lights $2,033 14% $243
Failure to show documents $2,037 14% $246
Child safety restraint $2,074 16% $283
Driving with expired registration $2,097 18% $306
Cell phone violation $2,146 20% $356
Texting while driving $2,147 20% $357
Driving too slowly $2,159 21% $369
Speeding 6 - 10 MPH over limit $2,173 22% $392
Failure to stop at a red light $2,186 23% $395
Speeding 11 - 15 MPH over limit $2,186 23% $395
Speeding in school zone $2,193 23% $403
Speeding 16 - 20 MPH over limit $2,196 23% $406
Illegal turn $2,204 24% $414
Failure to yield $2,204 24% $414
Following too closely $2,204 24% $414
Wrong way/wrong lane $2,208 24% $417
In 65 MPH zone $2,216 24% $426
Improper passing $2,217 24% $426
Speeding 21 - 25 MPH over limit $2,238 25% $448
Operating a vehicle without permission $2,239 25% $448
Open container $2,276 28% $485
Passing school bus $2,276 28% $485
At-fault accident - less than $1000 $2,276 28% $485
Racing $2,479 39% $689
At-fault accident - $1000-$2000 $2,638 48% $848
At-fault accident - greater than $2000 $2,638 48% $848
Reckless driving $2,649 48% $859
Driving with a suspended license $3,301 85% $1,510
Refusal to submit to a chemical test $3,370 89% $1,580
DUI $3,398 90% $1,608
Leaving scene of an accident/hit and run $3,534 98% $1,743

Car insurance price trends in Kansas

Year Avg. Annual Premium - Kansas Yearly Change - Kansas Avg. Annual Premium - US Yearly Change - US
2021 $1,657 $58 $1,519 $56
2020 $1,609 -$35 $1,473 -$41
2019 $1,654 $95 $1,534 $33
2018 $1,549 -$247 $1,511 $94
2017 $1,806 $224 $1,427 $79
2016 $1,572 -$313 $1,358 $98
2015 $1,895 $206 $1,270 $61
2014 $1,679 $145 $1,219 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $313 $1,286 $92

How to find the best car insurance in Kansas

Although car insurance in Kansas is costly, there are ways to cut costs. A certified insurance agent can help you figure out how much car insurance you need, which coverages are best for you, which discounts you qualify for, and which policy features you can use.

How to Get Discounts on Car Insurance in Kansas

This state pays slightly higher average car insurance rates than residents in many other Midwestern states. However, Kansas drivers can easily pay well below the state average each month by knowing where to look for discounts (read on for more information) and comparing quotes.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

How much is car insurance a month in Kansas?

Kansas' average monthly car insurance cost is $108, slightly lower than the national average.

What is the minimum insurance required in Kansas?

The minimum liability insurance minimums for Kansas are: $25,000 bodily injury liability per person. $50,000 bodily injury liability per accident. $25,000 property damage liability per accident.

What is full coverage auto insurance in Kansas?

The full coverage insurance in Kansas is usually defined as a policy that provides more than the state's minimum liability coverage. This is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage.

Is PIP required in Kansas?

Kansas drivers are required to carry PIP coverage. This shoul d be part of their car insurance policy. Kansas drivers must have at least $4518 per individual in PIP coverage.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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