Car Insurance in Kansas

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Even though Kansas has a relatively small population, residents see car insurance rates aligned with the national average—in part because of its status as a no-fault state. However, Kansas drivers looking to save some cash can do so by shopping with Jerry.
Kansas is mostly rural with a low population density, especially compared to nearby states like Colorado and Missouri. However, more frequent tornadoes or other inclement weather can cause insurance rates to climb.
That said, location is just one aspect insurance companies consider when setting your car insurance rates. Companies will also take your age, driving history, credit score, and other factors into account.
To find the best prices for car insurance in Kansas, compare quotes with Jerry! Jerry is a car super app that will save you time and money when shopping for car insurance. It takes seconds to sign up, and Jerry will send you quotes from over 50 top insurance providers. The best part? Most Jerry customers save $879 per year on car insurance.
Want to see more? These are actual quotes and savings from customers in Kansas who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
July 31, 2021Chevrolet Cobalt LTSalina20Progressive$99/mo.$67/mo.
April 29, 2021Chevrolet Impala LTLawrence24Mercury$300/mo.$80/mo.
February 15, 2021Toyota Camry LEKansas City36Bristol West$120/mo.$85/mo.
January 13, 2021Honda Civic EXLawrence27Progressive$150/mo.$108/mo.
August 25, 2021Dodge Journey SELyons21State Auto$320/mo.$288/mo.
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How much does car insurance cost in Kansas?

The average cost of liability-only car insurance in Kansas is $1,729 per year. If you prefer to buy full coverage car insurance in Kansas, you can expect to pay an average cost of $1,895 per year.

How does the cost of car insurance in Kansas compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What contributes to car insurance rates in Kansas? Here’s what you should think about:
  • Low population density: Kansas’s rural cities are sparsely populated, leading to fewer cars on the road
  • Auto theft: Kansas has one of the highest rates of automobile theft in the country
  • Tornadoes: Kansas is right in the middle of Tornado Alley, and vehicles can be damaged by the cyclones
Here’s how Kansas insurance premiums stack up to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
KS$2,150$1,469$1,423$929$2,062$1,422
National Average$2,491$1,672$2,359$1,390$2,763$1,962
KSNational Average
All Coverage Before Jerry
$2,150$2,491
All Coverage After Jerry
$1,469$1,672
Minimum Coverage Before Jerry
$1,423$2,359
Minimum Coverage After Jerry
$929$1,390
Full Coverage Before Jerry
$2,062$2,763
Full Coverage After Jerry
$1,422$1,962
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Top auto insurance providers in Kansas

Kansas residents have the choice of many different providers when deciding on a car insurance policy. Popular choices include Geico, Travelers, and Nationwide because of their highly rated customer service and accessibility.
However, you may find that another provider better meets your requirements.
Every carrier uses a different formula to determine its premiums, so it’s possible to get very different quotes—even for identical policies. Car insurance carriers in Kansas will consider factors like your age, credit score, location, and more to set your rates.
The car you drive also impacts your insurance premiums. A car like a Toyota Corolla, a popular choice for Kansas drivers, will be cheaper to insure than a more expensive car like a Lincoln Aviator, another top car for motorists in the state. In general, luxury cars have higher premiums because of pricier replacement parts and the higher cost to replace the car if it’s totaled.
Jerry can help Kansas drivers find the best rates on car insurance—regardless of their demographics. Here are some of the best prices we have found for our customers in Kansas:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$2,996$1,214Compare Prices
Safeco$2,836$1,030Compare Prices
Travelers$2,605$930Compare Prices
State Auto$2,268$926Compare Prices
Nationwide$2,331$748Compare Prices
Allstate$1,637$509Compare Prices
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What car insurance do you need in Kansas?

Kansas drivers are required to carry minimum liability insurance before getting behind the wheel. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
Uninsured motorist coverage$25,000 per person /$50,000 per accidentCovers your costs if you are in an accident with an uninsured driver
Kansas is one of 12 no-fault states, so drivers are required to carry personal injury protection that will cover injury costs for them and their passengers if they are in an accident—regardless of who is at fault.
If you are caught driving without insurance, you can face the following penalties:
  • Fines of up to $1,000 for a first offense
  • Imprisonment up to 6 months
  • License suspension until you can provide proof of coverage
  • $100 fee and maintenance of SR-22 for three years
Keep in mind, the above coverage is just the minimum. It’s recommended that you have more insurance if it’s within your budget. Kansas drivers should consider the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Jerry will help you find the best prices on any type of coverage.
Using your current policy, Jerry will compare quotes from the top insurance companies. Once you choose a new policy, Jerry takes care of all of the rest—including helping to cancel your old policy. Average Jerry users save $879 per year!
Now that we’ve gone over the basics, here’s what to consider about insurance in Kansas.

How is your cost of car insurance determined in Kansas?

Car insurance carriers in Kansas will consider things like your age, driving record, location, and more when setting your premiums.
What young drivers in Kansas need to know
  • Kansas drivers under the age of 25 are considered high-risk and charged more for car insurance premiums
  • Young drivers can lower their car insurance costs by defensive driving course, making them eligible for potential discounts
  • Maintaining B average or higher could earn young drivers a good student discount
Young drivers should shop around for quotes and maintain a clean driving record to keep premiums as low as possible.
Young drivers can shop with Jerry to find the best rates for car insurance. These are the average rates for drivers in Kansas by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,724$993
21-24$2,693$999
25-34$2,154$814
35-44$2,219$791
45-54$2,439$700
55-64$2,964$807
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Cost to insure your car in Kansas with a poor driving record

Your previous driving record will also impact your car insurance premiums. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you can expect to pay more for your Kansas car insurance rates.
Insurance companies will consider you a high-risk driver if you have infractions on your driving record.
But don’t fret! Jerry works with drivers with previous offenses to find the best rates for the right insurance policy.
Here are the best rates motorists with past driving infractions have gotten after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,557$862
Failure to Obey Traffic Sign$2,982$1,400
Speeding over 15$3,447$1,069
Speeding under 15$2,523$683
Driving on Sus. License$2,352$620
Illegal Turn$1,296$404
DUI$1,982$359
Improper Passing$2,102$143
Other$2,282$641
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Cost to insure your car in Kansas based on where you live

While Kansas’s rates are about the same as the national average, you may find that your rates are higher or lower depending on your zip code.
For example, drivers in Kansas City or Wichita are likely to pay more for car insurance because of the crowded city streets and higher auto theft rates in those cities. If you live in a less populated area, like Salina or Manhattan, your rates could be quite a bit lower than the state average.
Jerry can find you affordable car insurance rates in Kansas no matter where you live. Here are some of the best rates we’ve found for Kansas residents by city:
City
Average Cost
Annual Savings with Jerry
Independence$1,907$768
Junction City$2,772$698
Kansas City$2,736$1,186
Lawrence$3,097$1,011
Leavenworth$1,839$593
Manhattan$2,451$820
Olathe$2,313$753
Overland Park$1,979$645
Topeka$2,149$806
Wichita$2,271$792
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Cost to insure your car in Kansas based on the type of car you drive

Another major factor in setting your car insurance rates is the vehicle you drive. In general, cars that cost more to purchase will have more expensive car insurance premiums.
A popular car like the Hyundai Santa Fe will be relatively affordable to insure because of its lower cost of replacement parts and repairs. It also has generally high reliability and safety ratings, so it’s less likely that insurers will need to pay for repairs.
Conversely, Kansas residents who opt for a luxury car, like the Lexus ES, will pay higher premiums. Repairs for a Lexus are more expensive, and it will cost providers more in the event the car is totaled and needs to be replaced.
Here are typical insurance quotes for some of the most popular cars in Kansas with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Subaru Impreza WRX Sti$1,668$1,108
Jeep Renegade Latitude$1,942$856
Ford F150 Supercrew$2,160$799
Buick Lacrosse CXL$1,848$608
Nissan Frontier S$3,311$547
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How to save money on car insurance in Kansas

While Kansas’s car insurance premiums are relatively affordable, there are still ways to save more money.

Shop around for quotes

Comparing prices from multiple insurance carriers is a great way to save money on car insurance.
However, comparison shopping can take a lot of time—especially if you are applying to carriers individually and making calls to multiple insurance agents. Fortunately, Jerry takes the hard work out of car insurance shopping.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up is easy, and Jerry will find you quotes from over 50 top insurance providers. Once you find a policy that meets your needs, Jerry will help take care of all of the hassles. The best part? The average Jerry user saves $879 on car insurance.
That’s not all. Jerry keeps searching for the best prices even after you made your purchase, sending you new quotes each time your policy is up for renewal.

Look for discounts

Another great way to save money on car insurance is by shopping for discounts.
Here are some popular discounts in Kansas:
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Kansas providers may give customers discounts for things like homeownership, marital status, and affiliation with certain organizations. Be sure to ask your agent what you qualify for.

Increase your deductible

Raising your deductible—the amount you pay out of pocket before insurance kicks in—may save you money on your monthly bills.
However, you will have to pay more if you do need to make a claim, so it may not be worth the monthly savings. If you choose this option, make sure you can pay the full deductible each time you would have to make a claim.

Registering your car in Kansas

To register your car in Kansas, you need the following:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Motor Vehicle Examination Certificate
  • Bill of sale
  • Proof of insurance
  • Payment and fees
It’s a good idea to make an appointment before going to register your vehicle. There can be long wait times at the DMV, and you may have to file extra paperwork.
Drivers in Kansas are required to renew their vehicle registration every year.

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