INSURANCE - CAR INSURANCE

Average Cost of Car Insurance in Kansas for 2024

Updated Jan. 3, 2024
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GEICO is generally the cheapest car insurance in Kansas for full coverage policies.

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Although Kansas has one of the lowest costs of living in the country — only Mississippi and Oklahoma are cheaper — auto coverage can be surprisingly expensive in the Sunflower state.

The average cost of car insurance in Kansas is $1,540, compared to the national average of $1,582. But how much your policy will cost depends on several factors, and you may be able to lower your premiums through available discount programs. 

In this article

Key takeaways

  • The average cost of car insurance in Kansas is $1,540 per year for full coverage policies.
  • Teen drivers pay an average of $4,437 per year for full coverage.
  • Seniors pay an average of $1,433 per year for full coverage.

How much does car insurance cost in Kansas?

Car insurance is slightly more expensive in Kansas than in many other states. Full coverage policies — which include liability, collision, and comprehensive insurance — average $1,540 per year, compared to the national average of $1,582.

Why is it more expensive? For one, Kansas has a lengthy list of insurance requirements for drivers, with minimums that go beyond the typical requirements in other states.

Additionally, drivers in Kansas tend to cover more miles than those in other states. Kansas drivers average 15,166 miles yearly, 1,677 more than the national average. Since they spend more time on the road, there is a higher chance of accidents, so insurers charge higher rates.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$1,540/year $457/year GEICO
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$4,437/year $1,523/year $2,168/year

Average cost of car insurance in Kansas by provider

It’s always smart to shop around before purchasing insurance, and there are several providers to choose from in Kansas. We found that GEICO has the lowest average premiums for full coverage policies, while USAA is the cheapest for state-minimum liability coverage.

Provider Full coverage Minimum liability coverage
GEICO $900/year Data unavailable
American Family $1,709/year
$481/year
Allstate $1,625/year $706/year
Farm Bureau
$1,584/year $384/year
Nationwide $1,236/year $420/year
State Farm $966/year $305/year
Progressive $1,152/year $397/year
USAA $1,068/year $245/year

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How does credit score affect car insurance rates in Kansas?

Kansas laws limit how insurers can use drivers’ credit scores. However, insurers can use your score, among other factors, as part of the underwriting process to determine premiums. You typically pay less for coverage if you have good to excellent credit.

In Kansas, drivers with poor credit paid an average of $2,451 per year for full coverage insurance, compared to the state average of $1,540.

Credit health Avg. annual premium
Poor (550-649) $2,451/year
Average (650-699) $2,295/year
Good (700-749) $1,916/year
Excellent (750+) $1,722/year

Average car insurance rates for high-risk drivers in Kansas

Reckless driving behaviors can cause serious problems, including increases in your car insurance premiums. Drivers in Kansas with a driving under the influence (DUI) conviction pay an average of $1,118 more per year for full coverage. And an at-fault accident may increase full coverage premiums by about $740.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $1,540/year $2,280/year $740
DUI $1,540/year $2,658/year $1,118
Speeding ticket $1,540/year $1,990/year $450

*Assumes clean driving record with good credit

How does age affect car insurance rates in Kansas?

Kansas has a higher population of teens under 18 than the national average. Because teens are more likely to be in accidents, drivers in that age group typically pay more for insurance. The average full coverage premium for Kansas drivers 18 years of age is $4,888 per year, more than three times the state average.

Age Avg. annual premium
18 $4,888/year
25 $2,153/year
30 $1,762/year
40 $1,728/year
60 $1,433/year

Kansas car insurance rates by city

Generally, car insurance tends to be more expensive for residents that live in cities compared to those in suburban or rural areas. Because cities are more congested, there is a higher chance of getting in an accident or having your car stolen. To stay profitable, insurance companies often charge drivers in these areas higher rates.

Drivers in Kansas City have the highest average premiums for full coverage in the state at $2,091 per year, higher than the state average of $1,540. According to NeighborhoodScout, Kansas City has a crime rating of 14, meaning that 86% of cities in the U.S. are safer.

City Avg. annual full-coverage premium
Kansas City $2,091/year
Wichita $1,988/year
Olathe $1,806/year
Overland Park $1,779/year
Topeka $1,745/year
Lawrence $1,724/year

KS’s minimum car insurance requirements

Kansas drivers must have car insurance to drive their vehicles legally. Kansas’ requirements are more extensive than other states; policies must meet the following minimums:

  • $25,000 in bodily injury protection for one person
  • $50,000 in bodily injury protection for two or more people
  • $25,000 in property damage insurance

Besides the typical liability requirements, Kansas also requires drivers to have personal injury protection (PIP) and uninsured/underinsured motorist policies that meet the following minimums:

  • $4,500 per person for medical expenses
  • $900 per month for one year for disability and loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, burial, or cremation expenses
  • $4,500 for rehabilitation expenses
  • $900 per month for one year in survivor benefits
  • $25 per day for in-home services in survivor benefits
  • $25,000 for one person in uninsured/underinsured protection
  • $50,000 for two or more people in uninsured/underinsured protection

How to save money on car insurance in Kansas

To reduce your car insurance premiums in Kansas, use these tips:

  • Take an accident prevention course: Insurance companies are required by Kansas laws to offer a discount of 5% to 15% to drivers who complete an approved accident prevention course. Contact your insurer to see which courses qualify for the discount.
  • Increase your deductible: Your deductible is what you have to pay after an accident or claim before the insurance companies start covering the damages. If you have an emergency fund established, you can save money by increasing your deductible. Keep in mind that you’d be taking on more financial responsibility by increasing your deductible.
  • Shop around: As mentioned earlier, rates can vary by company, so it’s a good idea to ask several insurers for a quote to find the best car insurance rates.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in KS

Is car insurance expensive in KS?

Despite Kansas' low cost of living, car insurance is more expensive than you may expect. The average price of full coverage insurance is $1,540 per year, compared to the national average of $1,582.

How much is car insurance per year in KS?

The average cost of car insurance in Kansas is $1,540 per year for full coverage insurance. The average cost of state-minimum coverage is $457 per year.

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.