insure logo

Why you can trust Insure.com

quality icon

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 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

Get a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.

  • 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 estimat
  • 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
Data last refreshed in 2026
Powered by:

How much does your vehicle model affect car insurance rates in Kansas?

Car insurance rates in Kansas vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.

A full coverage car insurance policy in Kansas for a Honda Accord LX costs $2,381 annually, whereas a Honda CR-V costs $2,036 to insure in Kansas – a difference of $345.

How your car’s model year affects insurance rates in Kansas

In Kansas, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $3,514 year to insure, whereas the 2024 model costs $2,290 annually.

Know the minimum insurance you need in Kansas

Every state has specific car insurance requirements. In Kansas, you must carry at least the minimum liability coverage to drive legally, which generally includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

While these limits meet Kansas’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or 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.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854
ethan-avatar
Ethan Available Now
jack-avatar
Jack Available Now
robbie-avatar
Robbie Available Now
ellie-avatar
Ellie Available Now

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.

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 levelAverage annual rateAverage 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
Powered by:

How much is car insurance in Kansas by city

In Kansas, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Hill City pay about $2,876 per year for a full coverage policy, where as drivers in Salina pay $1,963 annually.

Top 20 cities with cheapest car insurance rates in Kansas

CityAvg. Annual PremiumAvg. 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
Powered by:

Top 20 cities with most expensive car insurance in rates Kansas

CityAvg. Annual PremiumAvg. 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
Powered by:

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.

author image
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.

ZIP Code Please enter valid ZIP