Kansas Car insurance calculator

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If you drive in Kansas, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Kansas car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Kansas, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Kansas

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Updated with latest data

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*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 2023 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.

Does your vehicle model affect car insurance rates in Kansas?

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,381 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $2,036, a difference of $345.

Does your car’s model year affect insurance rates in Kansas?

In Kansas, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $3,514 per year, while the 2024 model costs $2,290 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Kansas is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Kansas can lead to fines, license suspension and even vehicle impoundment.

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 city

Overland Park

Wichita

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How your car’s trim affects insurance rates in Kansas

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Kansas, full coverage car insurance for a 2023 Honda Accord LX costs $3,514 a year, while the higher-end Accord EX-L trim costs $3,148 annually – a difference of $366 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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What drivers pay for car insurance in Kansas

In Kansas, the average cost of full coverage car insurance is $2,410 per year, or $201 per month. Your rate may be higher or lower depending on the coverage you choose.

Below, you’ll find estimates for different coverage levels in Kansas, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,410	$201
Liability Only – 50/100/50 BI/PD	$579	$48
State Minimum BI/PD	$520	$43
Non-Owners	$340	$28

How much is car insurance in Kansas by city

Your location plays a significant role in determining car insurance rates in Kansas. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Hill City pay $2,876 per year for coverage, while those in Salina pay $1,963 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in Kansas

City	Avg. Annual Premium	Avg. Monthly Premium
Salina	$1,963	$164
Tescott	$2,101	$175
Americus	$2,112	$176
Gypsum	$2,120	$177
Brookville	$2,125	$177
Randolph	$2,129	$177
Bennington	$2,132	$178
Inman	$2,132	$178
Gardner	$2,142	$179
New Century	$2,163	$180
Windom	$2,167	$181
Solomon	$2,169	$181
Wilsey	$2,169	$181
Enterprise	$2,171	$181
Chapman	$2,173	$181
Wakefield	$2,176	$181
Woodbine	$2,176	$181
Ogden	$2,179	$182
Reading	$2,179	$182
Edgerton	$2,180	$182

Top 20 cities with most expensive car insurance in rates Kansas

City	Avg. Annual Premium	Avg. Monthly Premium
Hill City	$2,876	$240
Penokee	$2,826	$235
Almena	$2,794	$233
Bazine	$2,786	$232
Winona	$2,780	$232
Marienthal	$2,779	$232
Norton	$2,768	$231
Tribune	$2,768	$231
Woodston	$2,743	$229
Kirwin	$2,741	$228
Plainville	$2,734	$228
Lebanon	$2,731	$228
St. Francis	$2,727	$227
Atwood	$2,725	$227
Bird City	$2,717	$226
Rozel	$2,717	$226
Glade	$2,715	$226
Lewis	$2,715	$226
Macksville	$2,711	$226
Larned	$2,704	$225

Want to know what you’ll pay? Try our Kansas car insurance calculator

Our Kansas car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

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.

On this page

How to use our car insurance calculator to estimate your rates in Kansas
Does your vehicle model affect car insurance rates in Kansas?
Does your car's model year affect insurance rates in Kansas?
How your car's trim affects insurance rates in Kansas
What drivers pay for car insurance in Kansas
How much is car insurance in Kansas by city
Want to know what you'll pay? Try our Kansas car insurance calculator

Kansas car insurance calculator