Average Car Insurance Cost in Kansas (2025)
Drivers in Kansas pay an average of $122 per month for car insurance.
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Written bySarah Sharkey
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Kansas requires drivers to carry a minimum amount of car insurance. On average, Kansas drivers spend $122 per month on insurance coverage. When compared to the national average rate of $150 per month, drivers in the Sunflower State tend to pay lower rates.
The state’s heartland location, away from the threats associated with a coastal environment and with a generally low cost of living, likely contributes to its relatively low rates. But like the rest of the nation, Kansas drivers have seen rising insurance costs over the last few years.
Here’s what you should know about car insurance as a Kansas driver, including average car insurance costs.
Quick Facts
The average cost of minimum-coverage car insurance in Kansas is $81 per month, and the average cost of full-coverage car insurance is $162.
Drivers in Wichita, Kansas City, and Garden City face higher average rates than drivers in the less-populated cities of Manhattan and Topeka.
The Ford F-Series, Chevrolet Silverado, and GMC Sierra are among the most popular vehicles in Kansas.
How much is car insurance in Kansas?
Kansas drivers pay an average monthly rate of $122, or $1,464 annually, for car insurance. For a minimum-coverage policy, the average monthly rate is $81, which works out to an annual rate of $978. Drivers with a full-coverage policy pay an average of $162 per month, or an annual rate of $1,950.
You’ll need a policy that meets minimum-coverage requirements to drive legally in the Sunflower State. But the bare-bones coverage might not suit drivers seeking the more robust financial protection that comes with comprehensive and collision coverage. In addition to a full-coverage policy, you might choose to increase coverage limits for liability insurance to better protect your car.
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How Kansas car insurance rates have changed over the past two years
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To find car insurance rates in Kansas and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Kansas rose to $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Kansas.
See how Kansas car insurance prices have changed over the past two years below.
Average Kansas Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Kansas car insurance rates by city
Rates can vary significantly from city to city and even by ZIP code. Some factors that might push the average rate higher in particular cities include more accidents or a higher rate of vandalism. But cities with less congestion and fewer break-ins might have relatively cheap car insurance.[1]
The table below highlights the average monthly rate for different Kansas cities.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Manhattan | $75 | $152 |
| Garden City | $79 | $195 |
| Topeka | $82 | $147 |
| Lawrence | $85 | $155 |
| Wichita | $94 | $185 |
| Kansas City | $94 | $187 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Arkansas Car Insurance Laws and Requirements (2025)
Average Kansas car insurance rates by age and gender
As drivers age, they build more experience on the road. As a result, insurers consider an older driver less of a risk than a young driver. Since insurers consider newly minted teenage drivers a high risk, teens usually pay more for car insurance than mature drivers.
Additionally, gender plays a role in your rates. Statistically, women are less likely to get into an accident and generally engage in less risky driving behavior compared to men.
The table below shows the average rate by age and gender for auto insurance in Kansas.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $185 | $372 |
| 18 | $161 | $323 |
| 20 | $110 | $222 |
| 25 | $96 | $192 |
| 30 | $81 | $162 |
| 40 | $75 | $151 |
| 50 | $69 | $138 |
| 60 | $61 | $124 |
| 70+ | $66 | $133 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $171 | $343 |
| 18 | $149 | $299 |
| 20 | $102 | $204 |
| 25 | $88 | $177 |
| 30 | $75 | $150 |
| 40 | $69 | $139 |
| 50 | $63 | $128 |
| 60 | $57 | $114 |
| 70+ | $60 | $113 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Kansas
In Kansas, drivers tend to gravitate toward pickup trucks and smaller SUVs. This makes sense, as the state is largely known for its agricultural economy, where towing and large truck beds come in handy.
The table below highlights the average monthly insurance rates for some of the most popular vehicles on Kansas roads.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $158 |
| Chevrolet Silverado | $168 |
| GMC Sierra | $170 |
| Ram 1500/2500/3500 | $188 |
| Honda CR-V | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Kansas
When determining your insurance premiums, insurers consider your driving record. People with clean driving records generally pay less for car insurance than drivers with a history of traffic violations.
After incurring a violation, like a speeding ticket, at-fault accident, or driving under the influence (DUI), your premiums will likely increase. For example, drivers with a clean record pay $122 per month, on average. Drivers with an incident on their record pay $160, on average.
Below is a table showing the average rates for a sample driver profile with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $187 | 53% |
| With speeding ticket | $186 | 52% |
| With DUI | $212 | 74% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Kansas insurance companies can consider your credit-based insurance score when determining your auto insurance premiums. Drivers with good or excellent credit typically pay less than drivers with poor credit.[2]
The table below highlights average monthly rates for drivers by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $62 $125 Good $69 $137 Fair $77 $154 Poor $95 $189 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Kansas
Implementing the following strategies can help you find cheap car insurance in Kansas:
Shop around
Every insurance company evaluates your situation a bit differently. Comparing quotes across multiple car insurance companies allows you to find cheap car insurance options for your situation.
Increase your deductible
Opting for a policy with a higher deductible generally leads to lower car insurance premiums. For drivers with enough money on hand to cover a higher deductible, the monthly savings could make sense.
Look for discounts
Most insurance companies offer discounts to their drivers. For example, safe driving or good grades might land you a discount. Ask your insurance company if you qualify for extra savings before committing to an insurance rate.
Bundle your coverage
Most insurance companies sell a range of insurance products. You can earn a bundling discount if you need more than one type of policy. For example, purchasing your car and rental insurance policies through the same insurer could lead to a discount.
Opt for state-minimum coverage
Just getting the state-minimum coverage requirements will be cheaper than a full-coverage policy. While a minimum-coverage policy can save you money month to month, it won’t help you pay for repairs to your vehicle after an accident.
Pay in full
Some insurance companies offer a discount when you pay for your entire policy up front.
Kansas average car insurance cost FAQs
The following answers can shed light on any remaining questions about Kansas car insurance.
Kansas drivers pay an average annual rate of $1,464 for car insurance. For a minimum-coverage policy, the average annual rate is $978. The average cost of a full-coverage policy is $1,950.
CSAA offers the cheapest car insurance to Kansas drivers, with average monthly liability rates of $57. Other affordable options include Root and Safeco.
Kansas drivers pay an average rate of $122 per month for auto insurance. For a minimum-coverage policy, the average rate is $81 per month. For a full-coverage policy, the average rate is $162 per month.
Shelter, American Family, Auto-Owners, AAA, and State Farm are some of the best car insurance companies in Kansas. Each earned above-average marks in the 2024 J.D. Power U.S. Auto Insurance Study. But the best car insurance company varies based on your unique situation.
Kansas drivers must purchase several types of coverage to meet state-minimum requirements: $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, personal injury protection (PIP) coverage, and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.[3]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- III. "What determines the price of an auto insurance policy?."
- Kansas Legislature. "Article 51. - INSURANCE SCORE ACT."
- Kansas Insurance Department. "AUTO INSURANCE SHOPPER’S GUIDE."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.