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, slightly higher than the national average of $1,529. But how much your policy will cost depends on several factors, and you may be able to lower your premiums through available discount programs.
- 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?
- Average cost of car insurance in Kansas by provider
- How does credit score affect car insurance rates in Kansas?
- Average car insurance rates for high-risk drivers in Kansas
- How does age affect car insurance rates in Kansas?
- Kansas car insurance rates by city
- KS’s minimum car insurance requirements
- How to save money on car insurance in Kansas
- FAQs about car insurance costs in KS
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 a national average of $1,529.
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|
|Avg. for young drivers||Avg. cost for seniors||Avg. for high-risk drivers|
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|
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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|
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|
*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|
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|
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
- $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 that 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.
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, slightly above the national average of $1,529.
How much is car insurance per month in KS?
The average cost of car insurance in Kansas is $128.33 per month for full coverage insurance. The average cost of state-minimum coverage is $38.08 per month.