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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Aylea Wilkins is an editor specializing in student loans. She has previously worked for Bankrate editing content about personal and home equity loans and auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.
Compare rates and save on auto insurance today!
Kansas is home to almost two million licensed drivers, and each driver will receive unique car insurance rates in Kansas based on personal factors. The cost of auto insurance varies person to person and is based on several individual factors such as age, driving history and gender. Drivers in Kansas pay an average of $410 annually for minimum coverage and $1,698 for full coverage policies. While age and driving history are used to determine premiums, your zip code, credit score and vehicle and history are also big factors for determining car insurance rates in Kansas.
The average cost of car insurance in Kansas is based on multiple points, including where you live and your vehicle. Other factors, such as your driving record, age, credit score and miles driven are all used to determine your car insurance rates in Kansas.
Kansas auto insurance rates are on par with the national average. The average annual premium in Kansas is $410 for minimum coverage, and $1,698 for full coverage. The averages across the United States are $565 and $1,647 respectively, which means you might pay slightly less for minimum coverage in Kansas versus other states.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Your ZIP code heavily impacts the amount you pay for car insurance rates in Kansas. Those living in a more populated area, such as Wichita and Kansas City, tend to pay higher rates versus those living in less populated areas, such as Hays.
Age is an enormous factor with the average car insurance rates in Kansas. The 18- and 20-year olds tend to pay the highest premiums, while the rates steadily decline (on average) the older you are. Rates do tend to creep up slightly once you are past age 70.
*16 year old calculated on parent’s policy disclosure
Drivers are humans, which means tickets and accidents can happen at any time. If you do receive a ticket for a moving violation, an accident or driving under the influence, then you will most likely see an increase in your Kansas car insurance rates.
Drivers can save in a number of ways on their car insurance rates in Kansas. One of the most effective ways to save is to take advantage of as many discounts as possible. Look for discounts such as:
Get a quick estimate to make sure you’re not overpaying.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Yes, Kansas is considered a no-fault state. This means all drivers involved in a vehicle accident must file a claim with their own auto insurance company, no matter which driver is ruled at-fault for the accident.
Kansas not only has minimum liability insurance requirements, but it also has minimum no-fault and uninsured/underinsured motorist coverage requirements too, including:
Personal injury protection (PIP) of $4,500 per person for medical expenses is required, as well as $25,000 per person, $50,000 per accident in uninsured/underinsured motorist (UI/UM) coverage.
For minimum coverage, Kansas car insurance costs an average of $34 a month. Kansas drivers pay an average of $142 a month.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Aylea Wilkins is an editor specializing in student loans. She has previously worked for Bankrate editing content about personal and home equity loans and auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
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