Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Kansas Average car insurance cost in Kansas A full-coverage car insurance policy in Kansas costs an average of $2,410 a year or $201 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in Kansas, your monthly cost for full coverage car insurance is $201, which adds up to $2,410 per year. For minimum coverage, expect to pay an average of $43 monthly, or $520 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,410 Average per month cost $201 Average cost for state minimum coverage $579 / Year Cheapest car insurance company Travelers($1,844 / Year) Average cost for young drivers $3,892 / Year Average cost for Senior drivers $2,271 / Year Average car insurance cost in KansasDrivers in Kansas generally pay an average of $201 per month or $2,410 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $43 or $520 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in KansasIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,844 per year or $154 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also provides affordable insurance rates in Kansas for a full coverage policy at an average annual insurance cost of $1,996 or $166 monthly.While these companies offer some of the lowest average premiums in Kansas, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Kansas Graph Table Company nameAverage per month costAverage annual costTravelers$154$1,844GEICO$166$1,996Nationwide$177$2,119Progressive$184$2,203Shelter Insurance$193$2,312Farmers$197$2,363State Farm$241$2,897Allstate$287$3,447Iowa Farm Bureau$361$4,331USAA*$115$1,375*USAA is only available to military community members and their families.Powered by: Kansas car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Kansas Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Kansas Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$724/year Full Coverage$2,787/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in KansasYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $43 a month, or about $520 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Kansas pay around $201 per month, or roughly $2,410 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$520Liability only$579Full coverage$2,410Non-owner state minimum liability$340Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Kansas by cityOverland ParkWichita Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Kansas by cityWhere you live in Kansas can have a big impact on your car insurance rates.If you’re located in cities like Kansas City, Wichita, or Topeka, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Salina and Olathe tend to pay much lower insurance premiums, between $1,963 and $2,185 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costSalina$1,963Olathe$2,185Lenexa$2,199Overland Park$2,205Lawrence$2,208Manhattan$2,209Shawnee$2,227Topeka$2,325Wichita$2,577Kansas City$2,646Powered by:Average car insurance cost in Kansas by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Kansas for a full coverage policy based on your age and gender.Average car insurance cost in Kansas for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Kansas pay an average of $5,419 per year for car insurance, while females of the same age pay $4,456.But by the time you turn 25, insurance premiums drop to $2,935 a year on average for male drivers and $2,783 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,419$4,45621$4,408$3,71222$4,014$3,50023$3,681$3,26224$3,452$3,067Powered by:Average car insurance cost in Kansas for adult driversOn average, an adult male driver in Kansas pays $2,421 a year for full coverage or $202 per month. Women pay $2,380 a year or $198 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,935$2,78330$2,557$2,53635$2,465$2,43740$2,418$2,40345$2,372$2,35150$2,289$2,27055$2,197$2,16560$2,147$2,116Powered by:Average car insurance cost in Kansas for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,147 per year, while women pay $2,107. But by age 70, average premiums rise to $2,290 for men and $2,182 annually for women. At 75, rates increase even further – $2,528 for male drivers and $2,362 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,147$2,10770$2,290$2,18275$2,528$2,362Powered by:Minimum car insurance requirements in KansasWhether you’re buying your first insurance policy or just moved to Kansas, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Kansas must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in KansasThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Honda HR-V is one of the cheapest cars to insure in Kansas, with an average premium of $1,978 per year. Hyundai Venue has an average annual cost of $2,017.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumHonda HR-V$1,978Hyundai Venue$2,017Honda CR-V$2,036Chrysler Voyager$2,043Toyota Corolla Cross$2,045Chevrolet TrailBlazer$2,065Chevrolet Trax$2,070Volkswagen Tiguan$2,116Toyota RAV4$2,118Hyundai Kona$2,133Powered by:Most expensive cars to insure in KansasMaserati Quattroporte tops the list as the most expensive car to insure in Kansas, at an average annual cost of $8,079. Below is a list of the most expensive vehicles to insure in Kansas and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$8,079Maserati Ghibli$7,861Audi e-tron GT$7,444BMW i7$7,141Audi RS7$7,092Audi RS6$6,710Mercedes-Benz S-Class$6,675Audi RS Q8$6,569BMW M8 Gran Coupe$6,503Mercedes-AMG EQS$6,336Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-26Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in KansasCheapest car insurance companies in KansasAverage cost of car insurance by coverage levels in KansasAverage car insurance cost in Kansas by cityAverage car insurance cost in Kansas by ageMinimum car insurance requirements in KansasCheapest cars to insure in KansasMost expensive cars to insure in KansasMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330