Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Kansas Average car insurance cost in Kansas The average premium for car insurance in Kansas is $1,900 per year or $158 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: September 9, 2024 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 51M Quotes reviewed 167 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in Kansas. On average, car insurance in Kansas costs $1,900 annually or $158 monthly. This figure contrasts with the national average of $1,682, showcasing a variance of $5 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Kansas, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $1,900 Average per month cost $158 Average cost for state minimum coverage $434 / Year Cheapest car insurance company Nationwide($1,316 / Year) Average cost for young drivers $2,964 / Year Average cost for Senior drivers $1,741 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in Kansas costs $1,900 per year.In Kansas, the average premium for car insurance is $158 per month.At $1,316 a year, Nationwide has the cheapest car insurance rates in Kansas.Average car insurance cost in Kansas per monthIn Kansas, the average monthly rate for car insurance is $158.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Kansas, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in KansasAccording 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 Graph Table Company nameAverage per month costAverage annual costNationwide$110$1,316Travelers$133$1,601Geico$135$1,622Progressive$161$1,937State Farm$165$1,976Farmers$166$1,992Shelter Insurance$186$2,230Iowa Farm Bureau$191$2,289Allstate$247$2,968USAA$96$1,151 Read our guide to cheap car insurance companies Kansas car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Kansas Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,123/Year OR $177/month Kansas Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in KansasCar insurance rates in Kansas are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $471 per year in Kansas.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Kansas amounts to $1,900 per year.If you 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 protects property damage and bodily injury caused by another driver. In Kansas, the average annual cost for non-owner state minimum liability coverage is $274.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $434 in Kansas. 1State minimum:$4342Liability only:$4713Full coverage:$1,9004Non-owners:$274 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 cityKansas CityOlatheOverland ParkTopekaWichitaAverage car insurance cost in Kansas by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.The table below depicts the top popular cities in Kansas:CityAverage annual costKansas City$1,956Lawrence$1,685Lenexa$1,713Manhattan$1,694Olathe$1,706Overland Park$1,718Salina$1,645Shawnee$1,733Topeka$1,788Wichita$1,987Average car insurance cost in Kansas by age of the driverAge 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 driversIn 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,195$3,57321$3,255$2,81022$2,969$2,63223$2,747$2,49624$2,592$2,383Average car insurance cost in Kansas for senior driversIn 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,673$1,64170$1,740$1,66575$1,931$1,798Read more about senior car insurance.Minimum car insurance requirements in KansasEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Kansas Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Kansas:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in KansasThe 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.MakeModelAverage annual premiumHondaHR-V$1,595MazdaCX-30$1,609HyundaiVenue$1,612ChevroletTrailBlazer$1,621ToyotaCorolla Cross$1,629KiaSeltos$1,693HyundaiKona$1,698HondaCR-V$1,703FordMaverick$1,708FordEscape Plug-in Hybrid$1,709Most expensive cars to insure in KansasTopping the list as the most expensive car to insure is the Maserati Ghibli Trofeo, at an average annual premium of $7,634. Notably, the annual difference between the least and most expensive cars to insure amounts to $6,039.MakeModelAverage annual premiumMaseratiGhibli Trofeo$7,634AudiR8 Performance$7,261MaseratiQuattroporte Trofeo$7,158MaseratiQuattroporte$6,959PorschePanamera Turbo S E-Hybrid$5,916PorschePanamera 4S E-Hybrid$5,687MaseratiGhibli$5,670AudiRS E-tron GT$5,592PorscheTaycan Turbo$5,578AudiE-Tron GT$5,574MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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:The quoted insurance rates are for comparison purposes, and your individual rates may vary. 57M Quotes reviewed 136 No. of carriers analyzed 34.5K ZIP codes analyzed How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Kansas Non-owner car insurance in Kansas Average renters insurance cost in Kansas Average homeowners insurance cost in Kansas Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Kansas per monthCheapest car insurance companies in KansasAverage cost of car insurance by coverage levels in KansasAverage car insurance cost in Kansas by cityAverage car insurance cost in Kansas by age of the driverMinimum car insurance requirements in KansasCheapest cars to insure in KansasMost expensive cars to insure in KansasMethodology ZIP Code Please enter valid ZIP See rates