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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.
According to our analysis of average premiums, full coverage car insurance in Kansas costs $1,878 per year, with minimum coverage coming in at $416.
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
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Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
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. 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.
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.
Bankrate’s insurance editorial team includes two licensed agents with decades of combined experience helping drivers nationwide find auto insurance that fits their needs without busting their budget. Based on our analysis of premium data from analytics company Quadrant Information Services, the average cost of car insurance in Kansas for a full coverage policy averages $1,878 per year, with minimum coverage averaging $416 per year. During our study, we also learned that:
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Compare rates and save on auto insurance today!
If you’re shopping for new coverage, you might ask yourself, “how much is car insurance in Kansas?”. Knowing this information can provide an important baseline — after all, how can you know if your rates are competitive if you don’t know what the average is?
Luckily, Kansas auto insurance rates are a bit lower than the national average. According to premium data from Quadrant Information Services, the average annual premium in Kansas is $416 for minimum coverage, and $1,878 for full coverage. The averages across the United States are $622 and $2,014 respectively. Although Kansas experiences frequent tornadoes (our study shows Kansas as the sixth-worst state for this weather incident), its low population density could offset the higher risk for comprehensive claims. In other words, fewer people on the road could lead to fewer car accidents, helping drive the state’s average rates down.
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.
The average car insurance cost in Kansas may depend on where you live. Car insurance companies in Kansas can use your ZIP code as a rating factor when determining your premium, meaning average rates may vary from city to city. Generally, rates are higher in urban areas because of the higher risk associated with driving on congested roads. However, your ZIP code is only one of many car insurance rating factors. As such, you could be paying more or less than the averages shown in the cities below:
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 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.
Some states have passed regulations forbidding insurance companies from using your age or gender in their underwriting algorithms, but not Kansas. This means that your rates will likely vary based on your age and gender. Generally, the younger you are, the higher your car insurance premium. Additionally, men typically pay more for car insurance than women. However, the premium gap between genders tends to narrow the older you get, and you might notice an uptick in rates after you turn 70 when age-related diseases could put you at higher risk of an accident.
*16-year-old calculated on parents’ policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age and gender rates were calculated by evaluating our base profile for males and females with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Statistics show that teens get into nearly four times as many car accidents as any other age group. Due to their propensity for risk-taking, teens and young adults pay some of the most expensive car insurance rates. However, these drivers could save significant money by being listed on their parents’ policy rather than taking out one of their own. Not all young drivers will qualify for this, though, so for more information, parents may want to contact their agent.
*16- and 17-year-old drivers must be on their parents’ policy.
Drivers are humans, meaning tickets and accidents can happen at any time. However, some driving incidents will impact your car insurance premium more than others. For example, a DUI conviction is one (if not the most) serious driving offense you can get, so it will generally cause a larger increase in premium than a more common offense, such as a speeding ticket.
Driving incident rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Kansas allows car insurance companies to use your credit-based insurance score as a rating factor. Statistically speaking, drivers with lower credit scores tend to file more claims. To offset this risk, car insurance companies typically charge this segment of drivers higher rates. If you compare the average full coverage premium in Kansas for a driver convicted of a DUI with the average rate for a driver with a poor credit score, you’ll notice that the rates are very close to the same.
Credit-based rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
The type of vehicle you drive also has a hand in how much you pay for coverage. Sports cars, luxury vehicles and large trucks usually cost the most to insure. However, there are always exceptions to the rule. For instance, Kia and Hyundai owners might find an upcoming increase in their car insurance premiums not because their vehicles are especially fast or exotic but because they may be easily stolen. Below, we’ve listed some common vehicles to help provide a baseline if you’re shopping for new insurance. If you are in the market for a new car, you may find it helpful to quote each make and model you’re considering to get a better idea of your insurance costs.
To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).
Although many drivers might find Kansas car insurance rates cheaper than average, you might save a little more by executing some of the following strategies:
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 injured 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. To meet the no-fault requirements, drivers in Kansas must also carry personal injury protection (PIP) coverage.
Kansas not only has minimum liability insurance requirements, but it also has minimum no-fault and uninsured/underinsured motorist coverage requirements too, including:
Finding the best car insurance company in Kansas may come down to one thing: determining your priorities. Are you on a strict budget? If so, then you might want to seek out the carrier with the cheapest rates. Do you have a brand-new car and want to financially protect it with gap insurance? Then you’ll need to request quotes from companies that offer that endorsement. Maybe you’re willing to pay higher premiums as long as the company has excellent customer service. If so, you may want to review third-party customer satisfaction scores from J.D. Power. Once you know what you need from your car insurance company, you might have an easier time knowing which carriers could be best for you. However, based on our in-depth study of the largest carriers by market share in Kansas, USAA, Auto-Owners and Allstate could be good places to start.
In Kansas, auto insurance companies can use several personal rating factors to determine your rate, including your age, gender, claims history, credit score, ZIP code and more. As a result, no carrier can claim to be the cheapest car insurance company in Kansas for every driver since every driver has a different background. The easiest way to find the most competitive rates may be to shop with multiple companies and read online company reviews. Additionally, our analysis of average premiums from Quadrant Information Services found that USAA, Iowa Farm Bureau and State Farm offer some of the cheapest coverage, but your results may vary.
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.
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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