Car insurance calculator for teens in Kansas

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Car insurance for teens in Kansas costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Kansas. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

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 teen car insurance costs in Kansas

On average, insuring a teen driver in Kansas costs $5,764 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in Kansas can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

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 rates in Kansas, by gender

In most states, insurers set rates differently for male and female drivers, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit this. In Kansas, a 16-year-old male pays around $7,581 per year, compared to $6,303 for a female – a difference of $1,278.

Crash data helps explain the gap. According to the Insurance Institute for Highway Safety, 3,048 teens ages 13-19 lost their lives in motor vehicle crashes in 2023, and two out of three were male. Because young men are more likely to be in serious accidents, insurers factor that risk into their rates.

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

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Cheapest car insurance companies for teen drivers in Kansas

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

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

The second-cheapest option for teen drivers in Kansas is Travelers, with an average annual premium of $4,190.

The table below highlights the cheapest car insurance companies for teens 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.

Ways to save on teen car insurance in Kansas

While teen premiums are high, there are steps you can take to lower costs without cutting back on safety:

• Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.
• Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.
• Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.
• Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.
• Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.
• Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit 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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