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If you want to secure auto insurance coverage in Kansas, know the associated costs. On average, premiums for car insurance in Kansas cost $1,900 per year or $158 monthly. While the national average is $1,895, highlighting a difference of $5.
Various factors influence car insurance rates, including age, gender, driving history, credit score, and location.
This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Kansas, and breaks down car insurance rates by age group.
Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.
Key Takeaways
- Based on Insure.com’s analysis, car insurance in Kansas costs $1,900 per year.
- Car insurance in Kansas costs $158 per month.
- Nationwide has the cheapest car insurance rates in Kansas, at an average annual rate of $1,316 a year.
Average car insurance cost in Kansas per month
In Kansas, car insurance costs around $158 per month on average.
It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Kansas, it’s wise to obtain quotes from multiple firms.
Cheapest car insurance companies in Kansas
According to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Kansas is Nationwide, with an average annual cost of $1,316 and a monthly average of $110. Following closely is Travelers, providing coverage at an average monthly rate of $133.
The following table lists additional car insurance companies operating in Kansas and their respective average monthly and annual costs.
Affordable car insurance providers in Kansas
| Company name | Average per month cost | Average annual cost |
|---|---|---|
| Nationwide | $110 | $1,316 |
| Travelers | $133 | $1,601 |
| Geico | $135 | $1,622 |
| Progressive | $161 | $1,937 |
| State Farm | $165 | $1,976 |
| Farmers | $166 | $1,992 |
| Shelter Insurance | $186 | $2,230 |
| Iowa Farm Bureau | $191 | $2,289 |
| Allstate | $247 | $2,968 |
| USAA | $96 | $1,151 |
Read our guide to cheap car insurance companies
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Average cost of car insurance by coverage levels in Kansas
The extent of coverage you opt for directly influences the cost of car insurance in Kansas. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.
Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Kansas would be $471.
As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Kansas amounts to $1,900.
For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Kansas, the average annual cost for non-owner state minimum liability coverage stands at $274.
For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $434 annually in Kansas.
Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.
Car insurance rates in Kansas by city
Average car insurance cost in Kansas by city
Several factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.
The table below depicts the top popular cities in Kansas:
| City | Average annual cost |
|---|---|
| Kansas City | $1,956 |
| Lawrence | $1,685 |
| Lenexa | $1,713 |
| Manhattan | $1,694 |
| Olathe | $1,706 |
| Overland Park | $1,718 |
| Salina | $1,645 |
| Shawnee | $1,733 |
| Topeka | $1,788 |
| Wichita | $1,987 |
Average car insurance cost in Kansas by age of the driver
Age is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Kansas, the average annual rate for young drivers is $2,964, whereas for seniors, it’s $1,741. Notably, the rate for young drivers surpasses that of senior drivers by $1,223.
Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.
Average car insurance cost in Kansas for young drivers
In Kansas, female young drivers typically pay an average annual car insurance cost of $2,778 and $231 per month.
Conversely, male young drivers pay an average annual rate of $3,151, or $263 per month.
The average annual rates for young male and female drivers are listed in the table below:
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 20 | $4,195 | $3,573 |
| 21 | $3,255 | $2,810 |
| 22 | $2,969 | $2,632 |
| 23 | $2,747 | $2,496 |
| 24 | $2,592 | $2,383 |
Average car insurance cost in Kansas for senior drivers
In Kansas, senior female drivers pay an annual car insurance cost of $1,701, equating to $142 per month. Similarly, male senior drivers face an average yearly expense of $1,781, or $148 per month.
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 65 | $1,673 | $1,641 |
| 70 | $1,740 | $1,665 |
| 75 | $1,931 | $1,798 |
Read more about senior car insurance
Minimum car insurance requirements in Kansas
Every state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Kansas Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Kansas:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Personal property coverage per person: $25,000
Cheapest cars to insure in Kansas
The Honda HR-V is most affordable average annual insurance premium, standing at $1,595, with the Mazda CX-30 trailing closely behind at $1,609. The annual difference in insurance costs between these two models amounts to $14.
| Make | Model | Average annual premium |
|---|---|---|
| Honda | HR-V | $1,595 |
| Mazda | CX-30 | $1,609 |
| Hyundai | Venue | $1,612 |
| Chevrolet | TrailBlazer | $1,621 |
| Toyota | Corolla Cross | $1,629 |
| Kia | Seltos | $1,693 |
| Hyundai | Kona | $1,698 |
| Honda | CR-V | $1,703 |
| Ford | Maverick | $1,708 |
| Ford | Escape Plug-in Hybrid | $1,709 |
Most expensive cars to insure in Kansas
The Maserati Ghibli Trofeo, at an average annual premium of $7,634, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $6,039 annually.
| Make | Model | Average annual premium |
|---|---|---|
| Maserati | Ghibli Trofeo | $7,634 |
| Audi | R8 Performance | $7,261 |
| Maserati | Quattroporte Trofeo | $7,158 |
| Maserati | Quattroporte | $6,959 |
| Porsche | Panamera Turbo S E-Hybrid | $5,916 |
| Porsche | Panamera 4S E-Hybrid | $5,687 |
| Maserati | Ghibli | $5,670 |
| Audi | RS E-tron GT | $5,592 |
| Porsche | Taycan Turbo | $5,578 |
| Audi | E-Tron GT | $5,574 |
Methodology
The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.
57M
Quotes reviewed
136
No. of carriers analyzed
34.5K
ZIP codes analyzed
How much is car insurance in other states
Explore other insurance options in Kansas
- Average car insurance cost in Kansas per month
- Cheapest car insurance companies in Kansas
- Average cost of car insurance by coverage levels in Kansas
- Average car insurance cost in Kansas by city
- Average car insurance cost in Kansas by age of the driver
- Minimum car insurance requirements in Kansas
- Cheapest cars to insure in Kansas
- Most expensive cars to insure in Kansas
- Methodology