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Average cost of car insurance in Kansas for 2024

Updated May 01, 2024
According to our analysis of average premiums, full coverage car insurance in Kansas costs $2,556 per year, with minimum coverage coming in at $617.
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How much is car insurance in Kansas? 

When exploring car insurance options in Kansas, it's helpful to compare your rates with the state average. Kansas car insurance rates are generally more affordable than the national average. The state's average annual premium is approximately $617 for minimum coverage and $2,556 for full coverage. In contrast, the U.S. averages are around $637 and $2,299 respectively.

Although Bankrate found Kansas to be the sixth-worst state for tornadoes, the lower rates Kansas drivers experience could be influenced by its less dense population, which potentially leads to fewer road accidents and insurance claims.

Key takeaways

  • The average cost of car insurance in Kansas per month is $51 for minimum coverage, while full coverage is an average of $213 a month.
  • Kansas' average full coverage premium is about 11 percent more than the national average rate. Minimum coverage in Kansas fares even better, at 3 percent less than the national average.
  • Kansas City has the most expensive average car insurance rates of all the cities we analyzed, with an average annual full coverage rate of $2,872. A minimum coverage policy here averages $745 per year.
  • Kansas drivers convicted of a DUI pay 78 percent more on average for full coverage car insurance than a driver with a clean record.

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Kansas car insurance rates by city

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:

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Average car insurance costs by age and gender in Kansas

A few states have passed regulations forbidding insurance companies from using your age or gender in their underwriting algorithms, but not Kansas. 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.

Age 16*
Average annual full coverage premium in KS
$5,523
Average minimum coverage premium in KS
$1,531
Age 18
Average annual full coverage premium in KS
$7,742
Average minimum coverage premium in KS
$2,131
Age 20
Average annual full coverage premium in KS
$5,801
Average minimum coverage premium in KS
$1,414
Age 25
Average annual full coverage premium in KS
$3,321
Average minimum coverage premium in KS
$767
Age 30
Average annual full coverage premium in KS
$2,811
Average minimum coverage premium in KS
$636
Age 40
Average annual full coverage premium in KS
$2,587
Average minimum coverage premium in KS
$603
Age 50
Average annual full coverage premium in KS
$2,338
Average minimum coverage premium in KS
$556
Age 60
Average annual full coverage premium in KS
$2,215
Average minimum coverage premium in KS
$551
Age 70
Average annual full coverage premium in KS
$2,325
Average minimum coverage premium in KS
$626
Age 40
Average annual full coverage premium in KS
$2,587
Average minimum coverage premium in KS
$603
Age 50
Average annual full coverage premium in KS
$2,338
Average minimum coverage premium in KS
$556
Age 60
Average annual full coverage premium in KS
$2,215
Average minimum coverage premium in KS
$551
Age 70
Average annual full coverage premium in KS
$2,325
Average minimum coverage premium in KS
$626
*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 16*
Average annual full coverage premium in KS
$5,013
Average minimum coverage premium in KS
$1,482
Age 18
Average annual full coverage premium in KS
$6,870
Average minimum coverage premium in KS
$1,927
Age 20
Average annual full coverage premium in KS
$5,056
Average minimum coverage premium in KS
$1,330
Age 25
Average annual full coverage premium in KS
$3,087
Average minimum coverage premium in KS
$768
Age 30
Average annual full coverage premium in KS
$2,708
Average minimum coverage premium in KS
$658
Age 40
Average annual full coverage premium in KS
$2,524
Average minimum coverage premium in KS
$630
Age 50
Average annual full coverage premium in KS
$2,225
Average minimum coverage premium in KS
$581
Age 60
Average annual full coverage premium in KS
$2,173
Average minimum coverage premium in KS
$563
Age 70
Average annual full coverage premium in KS
$2,279
Average minimum coverage premium in KS
$624
Age 40
Average annual full coverage premium in KS
$2,524
Average minimum coverage premium in KS
$630
Age 50
Average annual full coverage premium in KS
$2,225
Average minimum coverage premium in KS
$581
Age 60
Average annual full coverage premium in KS
$2,173
Average minimum coverage premium in KS
$563
Age 70
Average annual full coverage premium in KS
$2,279
Average minimum coverage premium in KS
$624
*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
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Bankrate’s take: Rates for male drivers tend to be slightly higher than for female drivers because statistics show that men are more likely to be involved in accidents than women while behind the wheel. Male drivers also are more likely to engage in risky practices such as driving while impaired and not using seat belts, according to data from the Insurance Institute for Highway Safety. The difference in premium rates narrows as drivers age, and is minimal for older drivers.

Cost considerations for young drivers in Kansas

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.

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Age 16*
Avg. annual premium for drivers in KS
$5,268
Age 17
Avg. annual premium for drivers in KS
$4,862
Age 18
Avg. annual premium for drivers in KS
$4,484
Age 19
Avg. annual premium for drivers in KS
$4,049
Age 20
Avg. annual premium for drivers in KS
$3,835
*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 18
Avg. annual premium for drivers in KS
$7,306
Age 19
Avg. annual premium for drivers in KS
$5,924
Age 20
Avg. annual premium for drivers in KS
$5,428
*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 Avg. annual premium difference for drivers on their own policy
Age 18 63 percent more
Age 19 46 percent more
Age 20 42 percent more

* 18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Kansas?

In determining how much is car insurance in Kansas, risk factors play a significant role. A driver with no infractions typically enjoys lower rates, reflecting a lower risk profile. Conversely, a driver with infractions like speeding tickets is seen as a higher risk, potentially leading to increased premiums. The impact is even more pronounced for serious offenses such as DUIs. For example, in Kansas, a driver with a single DUI conviction could see their rates surge by an average of 78 percent more compared to someone with a clean driving record.

The table below shows the average increase that drivers can expect to pay after they have been convicted of a driving offense.

Clean driving record
Avg. annual premium* in KS
$2,556
Percentage increase from KS avg. annual premium*
0%
Avg. annual premium* in KS
$3,069
Percentage increase from KS avg. annual premium*
20%
Avg. annual premium* in KS
$3,757
Percentage increase from KS avg. annual premium*
47%
Avg. annual premium* in KS
$4,539
Percentage increase from KS avg. annual premium*
78%
*The rates reflected are for full coverage policies.

Car insurance rates in Kansas by credit score

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.

This table shows clearly how rates increase as a driver's credit score decreases.

Avg. annual premium* in KS
$5,403
Percentage difference from KS avg. annual premium*
111%
Average
Avg. annual premium* in KS
$2,837
Percentage difference from KS avg. annual premium*
11%
Avg. annual premium* in KS
$2,556
Percentage difference from KS avg. annual premium*
0%
Excellent
Avg. annual premium* in KS
$2,098
Percentage difference from KS avg. annual premium*
-18%
*Rates reflect full coverage policies.

Kansas car insurance rates by vehicle type

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.

Avg. annual premium* in KS
$2,556
Avg. annual premium* in KS
$2,420
Avg. annual premium* in KS
$2,218
BMW 330i
Avg. annual premium* in KS
$3,120
Toyota Prius
Avg. annual premium* in KS
$2,708
*Rates reflect full coverage policies.

Estimate your car insurance cost in Kansas

Having a rough estimate of what you're likely to pay for your policy can come in handy when you're looking for the most affordable coverage for your vehicle. Bankrate's handy calculator can help you do the math for this. Just input a few key personal facts and it will give you an estimate that you can use as a benchmark when you are gathering quotes for your policy.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Methodology

How to save on car insurance in Kansas

Although many drivers might find car insurance rates in Kansas cheaper than average, you could save a little more by executing some of the following strategies:

  • Take advantage of discounts: Maximize your savings by exploring common discounts offered by most carriers, such as vehicle safety, bundling, paperless billing and paying premiums in full. Regularly review and update your policy, especially at renewal, to ensure you're taking advantage of all eligible discounts and any new ones that may become available.
  • Practice safe driving habits: Auto insurers typically award safe drivers the lowest base premiums, and you might get a safe driver discount, too. Safe drivers may also want to consider signing up for a telematics program, which might save a hefty amount if you prove yourself to be a safe and careful driver.
  • Work on your credit score: Car insurance rates in Kansas can depend on your credit score, and in this state, drivers with poor credit typically pay 66 percent more on average than drivers with good credit. Improving your credit score isn’t something that happens overnight, but taking small steps to achieve this goal can make an incredible impact on your car insurance bill.

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 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.

Credit-based insurance scores: 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 as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: 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.

Model: 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).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (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.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Senior Editor, Insurance