Kansas Car insurance calculator

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Car insurance pricing in Kansas depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs.

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

It only takes about a minute to get an estimate:

Select your car’s model year
Choose the make and model
Confirm Kansas as your state
Click ‘Get My Rates’ to view your estimate
Add more vehicles or click ‘Get quotes’ to compare real-time pricing

What affects your car insurance rate in Kansas?

Your car’s make, model, year and trim
Your location within Kansas
Your coverage level
Your driving history, credit score and vehicle storage

Does your vehicle model affect car insurance rates in Kansas?

A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.

Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.

For example, full coverage for a Honda Accord LX costs $2,609 per year in Kansas, while a Honda CR-V averages $2,171 – a difference of $438.

A popular car doesn’t always mean cheaper insurance

High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle.

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

Newer cars generally cost more to insure because they are more expensive to repair or replace.

In Kansas, insuring a 2024 Honda Accord LX costs $2,371, while the 2025 version costs $2,504.

However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high.

Check your state’s minimum coverage requirements

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

Bodily injury liability per person and per accident
Property damage liability

According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection (III, n.d.). Not carrying 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

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How does your car’s trim affect insurance rates in Kansas?

Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.

For example, in Kansas, full coverage for a 2024 Honda Accord LX costs $2,371 annually, while the Accord EX-L trim costs $2,462 – a difference of $91.

Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk.

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That upgrade can cost more than you expect

Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance.

How much does car insurance cost in Kansas?

The average cost of full coverage car insurance in Kansas is $2,496 per year, or $208 per month. This gives you a general benchmark, but your actual rate may be higher or lower depending on your vehicle, coverage choices and personal details.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,496	$208
Liability Only – 50/100/50 BI/PD	$781	$65
State Minimum BI/PD	$698	$58
Non-Owners	$408	$34

People also ask:

What is full coverage car insurance?

Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It may also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements.

How do car insurance rates vary by city in Kansas?

Your location within Kansas can impact your premium just as much as your coverage level. Insurers consider traffic density, accident data, weather risks and theft rates when determining prices – which is why two drivers with similar profiles may pay very different amounts depending on their ZIP code.

Full coverage costs $2,969 per year in Wilmore, compared to $2,131 in Gardner.

Top 20 cities with cheapest car insurance rates in Kansas

These cities typically have the lowest premiums due to lighter traffic, fewer claims and lower overall risk.

City	Avg. Annual Premium	Avg. Monthly Premium
Gardner	$2,131	$178
New Century	$2,151	$179
Salina	$2,166	$180
Edgerton	$2,169	$181
Stilwell	$2,176	$181
Lenexa	$2,178	$181
Olathe	$2,178	$181
Eudora	$2,179	$182
Lake Quivira	$2,185	$182
Leawood	$2,185	$182
Spring Hill	$2,196	$183
Manhattan	$2,199	$183
St. George	$2,201	$183
Lecompton	$2,202	$184
Shawnee	$2,202	$183
Prairie Village	$2,205	$184
De Soto	$2,207	$184
Rossville	$2,209	$184
Mission	$2,210	$184
Overland Park	$2,215	$185

Top 20 cities with most expensive car insurance rates in Kansas

These cities tend to have the highest premiums, driven by heavy traffic, higher accident rates and more frequent claims.

City	Avg. Annual Premium	Avg. Monthly Premium
Wilmore	$2,969	$247
Protection	$2,968	$247
Jetmore	$2,967	$247
Bucklin	$2,948	$246
Spearville	$2,943	$245
Medicine Lodge	$2,941	$245
Wright	$2,941	$245
Coldwater	$2,940	$245
Ford	$2,939	$245
Hanston	$2,939	$245
Rolla	$2,935	$245
Elkhart	$2,934	$245
Fort Dodge	$2,930	$244
Ashland	$2,929	$244
Cimarron	$2,927	$244
Ensign	$2,927	$244
Minneola	$2,927	$244
Richfield	$2,927	$244
Dodge City	$2,920	$243
Hazelton	$2,918	$243

If you’re moving within Kansas, check insurance rates before you go

Relocating from a rural area to a larger city can increase your annual premium by hundreds of dollars – even if everything else stays the same.

Frequently asked questions

What is the average cost of car insurance in Kansas?

The average full coverage cost in Kansas is $2,496 per year, or $208 per month. Your actual rate will vary based on your profile and coverage.

How can I lower my car insurance premium in Kansas?

To lower your premium, compare quotes, raise your deductible, bundle policies, maintain a clean driving record and choose a lower-risk vehicle. Discounts for safe driving and low mileage can also help.

Does my credit score affect car insurance rates in Kansas?

Many insurers use credit-based scores to help set rates, with higher scores typically leading to lower premiums. Some states restrict this, so check the rules in Kansas.

Sources:

Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026.

Estimate your Kansas car insurance cost with our calculator

Our Kansas car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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 does your car's trim affect insurance rates in Kansas?
How much does car insurance cost in Kansas?
How do car insurance rates vary by city in Kansas?
Frequently asked questions
Estimate your Kansas car insurance cost with our calculator