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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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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 |
|
| 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:
- Website: https://www.kaipins.org/PreLogin.asp
- Phone: 785-273-6300
- Fax: 785-273-9065
- Email: heather@kaipins.org
- Mailing address:
- 2704 NW Topeka Blvd., Suite B
- Topeka, KS 66617
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.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Car insurance for unmarried couples. Progressive. (2023).
https://www.progressive.com/answers/car-insurance-for-unmarried-couples/Frequently Asked Questions Section. DS Online.
https://www.ksrevenue.gov/courts/faqs.htmlCar Insurance & Car Insurance Requirements in Kansas. American Family Insurance. (2023).
https://www.amfam.com/insurance/car/coverages-by-state/kansas
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