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The average cost of basic liability car insurance in Kansas is $1,834 per year. Opting for full-coverage car insurance in Kansas will leave you with an average cost of $2,157 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
The average cost of basic liability car insurance in Kansas is $1,834 per year. Opting for full-coverage car insurance in Kansas will leave you with an average cost of $2,157 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Kansas
Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. This can make finding the best rates for car insurance a complicated process.
This is why shopping with Jerry comes in handy—you don’t have to account for all those factors on your own. Here are some real quotes from Jerry users.
| Quote Date | Car | Before Jerry | After Jerry | City | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|
| March 14, 2023 | Chevrolet Cruze LT | $246/mo. | $123/mo. | Galena | Marcus B. | 22 | Dairyland |
| March 10, 2023 | Chevrolet Malibu LS | $376/mo. | $229/mo. | Kansas City | Abbie G. | 46 | Dairyland |
| March 9, 2023 | Jeep Wagoneer Series Ii | $133/mo. | $109/mo. | Olathe | Lilly B. | 28 | Progressive |
| March 8, 2023 | Chevrolet Impala LTZ | $108/mo. | $84/mo. | Hays | Elizabeth C. | 24 | Dairyland |
| March 5, 2023 | Ford Mustang | $396/mo. | $283/mo. | Wichita | Frederick P. | 21 | Progressive |
Best car insurance companies in Kansas
The best auto insurance companies in Kansas include State Farm, GEICO, and Progressive. But not all drivers will be able to find affordable rates with those three companies.
For instance, drivers who have an active military member in their family can typically find the lowest rates from USAA—but if you have really poor credit, you might find a better quote from a different company. Families adding a teen driver to their policy might find they get the best rate from Nationwide. And for other drivers, the cheapest rates could be hiding with a smaller regional insurer.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $2,810 | $1,075 | |
| Allstate | $3,035 | $998 | |
| Progressive | $2,472 | $834 | |
| Safeco | $2,383 | $830 | |
| Kemper | $1,944 | $765 | |
| State Auto | $2,375 | $732 | |
| Nationwide | $2,266 | $663 | |
| Travelers | $2,226 | $527 | |
| Clearcover | $1,889 | $397 | |
| Compare Prices | |||
Kansas car insurance FAQs
Is car insurance in Kansas expensive?
Car insurance costs are relatively moderate in Kansas. $200 could be considered on the average side as far as car insurance costs in Kansas go.
But keep in mind that your car insurance rates are impacted by more than just the state you live in, so they could vary greatly!
What is the minimum insurance required in Kansas?
Your liability insurance minimums for Kansas are: $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
Do you need insurance to get tags in Kansas?
Yes—proof of insurance is required to be presented when a vehicle registration (license plate) is issued or renewed in the state of Kansas.
How much does auto insurance cost in Kansas?
Auto insurance rates in Kansas are higher than the national average for a few reasons.
First, Kansas is a no-fault state, which means that the state’s insurance requirements are higher than other states (more on that in a minute). Kansas also has one of the highest rates of automobile theft in the country, which significantly raises the cost of insurance. Finally, Kansas is smack-dab in the middle of Tornado Alley (shoutout to Dorothy), and those summer twisters have a nasty habit of generating car insurance claims.
But that doesn’t mean every Kansas driver has to overpay for car insurance. Kansas’s rural areas are sparsely populated, leading to fewer cars on the road and, by extension, fewer car accidents.
Here’s a rundown of what you need to know about car insurance in Kansas.
Kansas car insurance requirements
Most states have minimum insurance requirements that you must meet to hit the road.
How much insurance do I need in Kansas?
Kansas requires $25,000 per person for bodily injury liability, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident. Since Kansas is a no-fault state, you also need personal injury protection (PIP). Kansas also requires uninsured/underinsured motorist coverage of $50,000 for bodily injury.
What do you need if you’re pulled over?
If an officer pulls you over in Kansas, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Kansas a no-fault state?
Yes, Kansas is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
You must carry proof of insurance that meets these coverage limits at all times. But satisfying Kansas’s minimum coverage requirements is just the start. Liability insurance, uninsured motorist coverage, and personal injury protection (PIP) probably won’t cover all your expenses in the event of an accident.
Purchasing more than the minimum required insurance is usually a good idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle. Most experts recommend buying a full-coverage car insurance policy that includes collision and comprehensive coverage.
Cheap car insurance with a DUI or speeding ticket in Kansas
If you have any kind of driving violation on your record—from serious offenses like a DUI to minor speeding tickets—your monthly auto insurance premiums will spike. If your driving history shows repeated violations, your insurance company will likely label you a high-risk driver.
Violation points—and the associated high premiums—could stay on your record for years. That’s why high-risk drivers should shop with a broker like Jerry to find the savings they need on essential coverage.
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,109 | $737 |
| Failure to Obey Traffic Sign | $2,371 | $980 |
| DUI | $2,600 | $904 |
| Speeding under 15 | $2,573 | $873 |
| Racing/Drag Racing | $2,907 | $818 |
| Driving on Sus. License | $3,055 | $746 |
| Wrong Way/Wrong Lane | $1,938 | $587 |
| Speeding over 15 | $2,381 | $570 |
| Improper Passing | $2,511 | $525 |
| Eluding Police | $2,366 | $323 |
Insurance Cost With a DUI in Kansas
If you get a DUI in Kansas, you can expect your car insurance to increase by an average of $110.75 annually
Read More
Insurance Cost With a Reckless Driving Citation in Kansas
If you have a reckless driving citation, you should expect your insurance to increase to an average of $38.83 per month.
Read More
Cost to insure your car in Kansas by age
Teen drivers in Kansas pay much higher rates than the state average, even if their policy only carries state minimum coverage limits. That’s because teenagers—and all drivers under age 25—lack the experience that insurance companies value, and tend to have statistically higher accident risk.
This doesn’t mean you can’t find an affordable rate before you turn 25—it might just take a little extra work.
How can young drivers save money on car insurance in Kansas?
- Practice safe driving behaviors to achieve a clean driving record and win discounts
- Maintain a B average or better in school to qualify for a good student discount
- Build up your credit history (a bad credit score can increase your insurance premium)
- Practice safe driving behaviors to achieve a clean driving record and win discounts
- Maintain a B average or better in school to qualify for a good student discount
- Build up your credit history (a bad credit score can increase your insurance premium)
Cost to insure your car in Kansas by city
The average cost of car insurance is Kansas is about the same or a little higher than the national average—but your rates might be higher or lower depending on your ZIP code.
Wichita car insurance costs, for instance, tend to be higher than Kansas City car insurance costs. Why? Wichita has a larger population and higher crime rates, giving it a higher level of risk for car accidents, auto theft, and other events that generate insurance claims.
Here’s a more specific breakdown of insurance prices for Jerry across Kansas:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Chanute | $2,601 | $1,272 |
| Kansas City | $2,157 | $844 |
| Lawrence | $2,069 | $851 |
| Lenexa | $1,871 | $623 |
| Manhattan | $2,300 | $935 |
| Olathe | $1,974 | $665 |
| Overland Park | $1,792 | $602 |
| Shawnee | $1,986 | $746 |
| Topeka | $1,883 | $726 |
| Wichita | $2,009 | $753 |
Least Expensive Cities in Kansas
With average annual rates of only $754, Salina has the cheapest premiums in Kansas.
City With Highest Rates of Accidents in Kansas
11.89% of drivers in Lawrence have a prior accident on their record. Drivers in Lawrence can expect inflated premiums as a result of higher risk of accident.
Cities With the Longest Commute Times in Kansas
With an average commute of 30.1 minutes, Louisburg has the longest commute in Kansas. Drivers in Louisburg can expect higher-than-average rates.
Cost to insure your car in Kansas
The vehicle you drive also plays a major role in setting your car insurance rates. In general, more expensive cars come with higher insurance premiums.
But it’s a little more complicated than that. Take Kansas’s favorite vehicle, the Ford F-150 pickup truck. Ford F-150 insurance costs are relatively affordable because it’s a super-popular vehicle. That means replacement parts are widely available and repairs can be done just about anywhere.
Take a look at the features below to see how your vehicle’s insurance costs compare to others in Kansas.
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ford Explorer XLT | $2,564 | $1,254 |
| Lexus IS 250 | $2,233 | $1,017 |
| Chevrolet Equinox LT | $2,143 | $821 |
| Nissan Altima 2.5 | $2,288 | $731 |
| Volkswagen Jetta Tdi | $1,570 | $449 |
Most Popular Car in Kansas
The most popular vehicle in Kansas is the Ford F-150. F-150 drivers pay around $1,180 annually in car insurance. Drivers can save on their premium by using Jerry to find affordable quotes.
Read More
Do you need more than the minimum car insurance in Kansas?
Most states have minimum insurance requirements that you must meet to hit the road—but liability insurance coverage is just the minimum requirement and it may not cover all your expenses in the event of an accident.
While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
- Liability coverage
- Uninsured/underinsured motorist coverage
Purchasing more than the minimum required insurance is usually a good idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Considering these risk factors, here are some additional coverages that would serve drivers in Kansas well:
Minimum car insurance won’t offer you full coverage. To make sure you’re fully protected in collision incidents and can pay for necessary car repairs, get collision coverage.
7,229 vehicles were stolen in Kansas in 2020. In order to be insured from property theft, get comprehensive coverage. Comprehensive will also protect from other non-collision damages, such as vandalism or hail damage.
Kansas requires uninsured/underinsured motorist coverage, so make sure you have it if you’re a Kansas resident. About 1/10th of drivers in Kansas are uninsured, so this coverage will come in handy.
Kansas is full of rural areas. To make sure you’re covered in the event that your car breaks down in the middle of nowhere, get roadside assistance.
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 one of the best ways to save money on car insurance. But comparison shopping can take a lot of time—especially if you are applying to carriers individually and making calls to multiple insurance agents. It's a good idea to use a broker or insurance comparison app to remove some of the legwork for you.
Look for discounts
Most insurance companies will give you a discount on your auto insurance policy for a variety of factors—but they won’t always advertise those discounts! That’s why it’s important to ask about discounts directly.
Here are some popular discounts in Kansas:
Drivers-ed Discount
Drivers-ed Discount
Car insurance companies in Kansas will give sizeable discounts to customers who take a drivers-ed course approved by the state of Kansas.
Clean Driving Record Discounts
Clean Driving Record Discounts
Drivers who keep clean driving records are eligible for discounted insurance. If a carrier believes someone is less likely to file a claim, they can save money—so they’re willing to give you a discount, too.
Bundling Discounts
Bundling Discounts
Drivers who bundle their auto and home insurance with the same company can get bundling discounts.
Continuous Coverage Discounts
Continuous Coverage Discounts
Car insurance customers who stay insured and avoid lapses in coverage will receive discounts on their car insurance.
Increase your deductible
If you have collision or comprehensive coverage on your policy, raising your deductible is an easy way to lower monthly premium costs.
Your deductible is the amount you agree to pay out of pocket when you need to make a claim. The higher it is, the less you pay on a regular basis to maintain the policy.
But raising your deductible isn’t worth the savings if you can’t afford to pay the higher amount in the event of a claim. Never choose a deductible that’s higher than you could reasonably pay at one time.
By R.E. Fulton
Updated on Mar 23, 2023
Reviewed by Kathleen Flear, Director of Content.
Compare best car insurance quotes in Kansas
Best car insurance companies in Kansas
Kansas car insurance FAQs
How much does auto insurance cost in Kansas?
Kansas car insurance requirements
Cheap car insurance with a DUI or speeding ticket in Kansas
Cost to insure your car in Kansas by age
Cost to insure your car in Kansas by city
Cost to insure your car in Kansas
Do you need more than the minimum car insurance in Kansas?
How to save money on car insurance in Kansas
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