Home Car insurance Car insurance rates by state Average car insurance cost in Kansas Average car insurance cost in Kansas View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: October 17, 2023 Why you can trust Insure.com Quality Verified 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. If you are looking for auto insurance in Kansas, knowing how much it will cost is a promising idea. The average premium for car insurance in Kansas is $1,594 per year or $133 per month. While the national average is $1,682. There is a difference of $88 less between the national average and the state average.If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live. Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Kansas, and car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.Summary of average car insurance cost in KansasAverage annual cost$1,594Average per month cost$133Average cost for state minimum coverage$389 / YearCheapest car insurance companyNationwide($1,032/ Year)Average cost for young drivers$2,414 / YearAverage cost for Senior drivers$1,446 / YearKey TakeawaysThe average car insurance cost in Kansas is $1,594 per year, based on Insure.com’s analysis.In Kansas, the average premium for car insurance is $133 per month.Nationwide has the cheapest car insurance rates in Kansas, at an average annual rate of $1,032 a year.Average car insurance cost in Kansas per monthIn Kansas, the average premium for car insurance is $133 per month.The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Kansas, it is a promising idea to get quotes from many firms.As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Kansas is Nationwide.The average annual cost is $1,032 while the average cost per month is $86. The second-best option available is, USAA, offering insurance at an average per month cost of $88.The table below lists the other available car insurance companies which offer car insurance in Kansas, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costNationwide$86$1,032USAA$88$1,051American Family$111$1,332Travelers$114$1,369State Farm$117$1,402Geico$124$1,492Progressive$127$1,523Auto-Owners$151$1,807Farmers Insurance$169$2,032Allstate$205$2,463Read our guide to best car insurance companiesAverage cost of car insurance by coverage levels in KansasThe amount of coverage you purchase has an impact on how much car insurance costs in Kansas. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Kansas is $412.When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Kansas is $1,594 per year.For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Kansas, the average annual cost for non-owner state minimum liability only is $280.And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $389 per year in Kansas.Coverage limitsAverage annual cost50/100/50 Liability Only$412100/300/100 Liability with $500 Comp/Coll Deductible$1,594Non-Owner State Minimum Liability Only$280State Minimum Liability Only$389Average car insurance cost in Kansas by CityYour car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.The table below depicts the top popular cities in Kansas:CityAverage annual costWichita$1,587Overland Park$1,389Kansas City$1,709Olathe$1,379Topeka$1,469Lawrence$1,379Shawnee$1,392Lenexa$1,389Manhattan$1,360Salina$1,381Auto 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 cityKansas CityOlatheOverland ParkTopekaWichitaAverage car insurance cost in Kansas by age of the driverAge is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Kansas is $2,414 while for seniors is $1,446. Here, the rate for young drivers is $968 more than the rate for senior drivers.According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.Average car insurance cost in Kansas for young driversThe average car insurance cost for female young drivers in Kansas is $2,279 per year or $190 per monthand rate for a male young driver is $2,549 per year or $212 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers18$5,044$4,36619$3,662$3,17520$3,324$2,91121$2,673$2,34122$2,409$2,16423$2,231$2,03524$2,108$1,94625$1,899$1,825Average car insurance cost in Kansas for senior driversIn Kansas, the cost of car insurance for senior female driver is $1,433 per year or $119 per month and cost of car insurance for male senior driver is $1,458 per year or $122 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,414$1,39470$1,454$1,42775$1,602$1,544Read more about senior car insuranceMinimum car insurance requirements in KansasEach state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Kansas Department of Insurance, the following are the required coverages and minimum coverage limits in Kansas:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000 You might find interesting The best, cheapest car insurance in KansasCheapest car insurance in KansasRenters insurance in Kansas: Best and cheapest companies for 2024Non-owner car insurance in Kansas: Which company has the cheapest rates?Cheapest SR-22 insurance in KansasBest and cheapest companies for home and auto bundles in Kansas Cheapest cars to insure in KansasThe Chrysler Voyager LX has the lowest average annual insurance premium at $1,403, followed closely by the Hyundai Venue SE at $1,411. The difference in the cost of insuring these two models is $8 annually. Make Model Average annual premium Chrysler Voyager LX $1,403 Hyundai Venue SE $1,411 Ford Transit Connect Titanium $1,424 Toyota C-HR Limited $1,426 Honda HR-V EX $1,450 Mazda CX-30 S $1,457 Chevrolet Spark 1LT $1,466 Kia Seltos EX $1,478 Mazda CX-5 S $1,488 Honda CR-V EX $1,505 Most expensive cars to insure in KansasThe most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $7,195. However, the difference between the cheapest and most expensive cars to insure is $5,792 annually. Make Model Average annual premium Maserati Quattroporte $7,195 Maserati Levante Trofeo $6,188 Maserati Ghibli Modena $6,177 Maserati Ghibli GT $5,977 Maserati Ghibli Trofeo $5,567 Tesla Model S Plaid $5,286 Porsche Panamera 4 E-Hybrid $5,247 Audi RS6 Avant Quattro $5,216 Porsche Taycan Turbo S $5,211 BMW M8 Competition XDrive $5,191 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:$100,000 bodily injury liability per person$300,000 bodily injury liability per accident$100,000 property damage liability$500 collision/comprehensive deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Kansas Non-owner car insurance in Kansas Average renters insurance cost in Kansas Average homeowners insurance cost in Kansas How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Kansas per monthAverage cost of car insurance by coverage levels in KansasAverage car insurance cost in Kansas by CityAverage car insurance cost in Kansas by age of the driverMinimum car insurance requirements in KansasCheapest cars to insure in KansasMost expensive cars to insure in KansasMethodology Get instant quotes now ! Please enter valid zip Get Quotes