Car insurance calculator for teens in Kansas

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Car insurance for teens in Kansas is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in Kansas. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

Kansas

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$8,450 Average rate

$17,017 Highest
rate

$4,726 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Allstate	$17,017
Shelter Insurance	$10,761
Progressive	$9,457

Least expensive companies for auto insurance in ()

Company	Average annual rate
Nationwide	$4,726
USAA	$5,758
Travelers	$6,092

Average car insurance costs for teens in Kansas

Car insurance costs an average of $5,764 per year for teen drivers in Kansas with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.

Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.

Insurance rates in Kansas also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. Kansas families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.

Teen car insurance costs in Kansas, by age

Premiums drop as teens gain experience. For example, a 16-year-old in Kansas with full coverage pays an average of $6,945 per year. By 19, the average rate is $4,279.

Though still higher than adult premiums, the steady decline shows how added years of driving lead to more affordable coverage.

See the table below for average teen car insurance costs in Kansas by age.

Teen car insurance in Kansas, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Kansas, a 16-year-old male driver pays about $7,581 annually, while a female of the same age pays $6,303 – a difference of $1,278.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Kansas by gender.

Cheapest teen car insurance companies in Kansas

Teen car insurance is expensive everywhere, but rates vary widely from one company to another. Shopping around is the best way to find the lowest price.

In Kansas, Nationwide offers the cheapest coverage for drivers ages 16-19, averaging $3,923 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Travelers at $4,190.

The table below lists the cheapest insurers for teen drivers in Kansas.

Minimum car insurance requirements for teens in Kansas

In Kansas, teen drivers must carry the same minimum liability coverage as adults before getting behind the wheel. That includes:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability

State-minimum limits offer only basic protection, and the cost of medical care or vehicle repairs can easily exceed them. That’s why it’s wise to choose higher coverage limits-especially when adding a new teen driver to your policy.

If your car is financed or leased, your lender will require comprehensive and collision coverage. These protections help pay for repairs to your own vehicle after an accident, theft, or weather damage.

Smart ways to save on car insurance for your teen

From choosing the right car to asking about discounts, taking a few smart steps can make coverage more affordable while keeping your teen safe on the road.

• Estimate the cost of coverage. Look up what families typically pay for teen drivers in your state. Having that ballpark figure helps you budget ahead of time and spot whether the quotes you receive are higher or lower than average.
• Buy a safer vehicle. A safe, reliable sedan will cost much less to insure than a flashy sports car or a luxury vehicle.
• Buy a full coverage policy. Basic liability is cheaper, but many families choose higher coverage for teens to protect against the bigger risks of accidents, costly vehicle repairs, or injuries to others.
• Ask about discounts. Many insurers offer savings if your teen gets good grades, takes a defensive driving course, or drives fewer miles.
• Talk to your teen about the responsibility that comes with driving. Bring your teen into the insurance conversation so they see that driving isn’t just about freedom-it’s about responsibility. Talking openly about risks and safety can help them make better choices behind the wheel that could protect their life and others on the road.
• Review your rates each year: As your teen gains experience and maintains a clean driving record, insurance costs often go down-making it worth checking your policy annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.

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