Average cost of car insurance in Kansas for 2021

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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.

How much does car insurance cost 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.

Kansas car insurance rates by company

Car insurance rates in Kansas are influenced by a variety of factors, including the carrier you choose. If you want to find the best car insurance in Kansas, it is wise to review several carriers to compare rates and overall customer service and financial strength ratings.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $476 $1,792
American Family $531 $1,858
Auto-Owners $278 $1,393
Electric Insurance Company $421 $2,891
Farmers $362 $1,335
Iowa Farm Bureau $325 $1,494
MetLife $426 $1,963
Progressive $446 $1,644
QBE $340 $1,208
Safe Auto $577 $2,246
Sentry $654 $2,322
Shelter $658 $2,347
State Farm $335 $1,280
USAA $239 $1,225

Kansas car insurance rates by city

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.

City Average annual premium for full coverage % difference from state average annual premium
Wichita $1,776 5%
Overland Park $1,522 -10%
Topeka $1,637 -4%
Kansas City $1,881 11%
Olathe $1,508 -11%
Lawrence $1,512 -11%
Shawnee $1,521 -10%
Manhattan $1,524 -10%
Salina $1,525 -10%
Hutchinson $1,617 -5%
Lenexa $1,518 -11%
Garden City $1,928 14%
Leavenworth $1,653 -3%
Leawood $1,527 -10%
Dodge City $1,920 13%
Emporia $1,619 -5%
Derby $1,687 -1%
Junction City $1,542 -9%
Hays $1,678 -1%
Newton $1,647 -3%

Kansas car insurance rates by age

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.

Age Average annual premium in Kansas
Age 16* $2,099
Age 18 $4,960
Age 20 $3,838
Age 25 $2,153
Age 30 $1,956
Age 40 $1,822
Age 50 $1,597
Age 60 $1,538
Age 70 $1,600

*16 year old calculated on parent’s policy disclosure

Kansas car insurance rates by driving record

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.

Driving incident Average annual full coverage premium in Kansas % increase of average annual premium
Speeding ticket $2,028 19%
Accident $2,388 41%
DUI $2,930 73%

How to save on car insurance in Kansas

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:

  • Paid-in-full: If you prefer to pay your annual premiums all at once, versus monthly installment payments, you should receive a discount and avoid paying unnecessary convenience fees. There may even be additional discounts available if you renew your policy several days prior to your policy end-date.
  • Safety equipment: Safety features such as airbags, anti-theft system, anti-lock brakes and airbags may make you eligible for a discount. Plus, inquire about a seatbelt use discount, which is another safety feature.
  • New car: Those who drive a newer car, usually one that is less than a year old, are typically eligible for a new car discount.
  • Safe driver: Most carriers have options for a safe driver discount. If you are willing to install a telematics device via bluetooth or connect to an app that records your driving skills, you could save on your premiums. Discounts are based on the feedback you receive and your personal driving habits.

Frequently asked questions

Is Kansas considered a no-fault state?

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.

What is the minimum amount of car insurance in Kansas I must purchase?

Kansas not only has minimum liability insurance requirements, but it also has minimum no-fault and uninsured/underinsured motorist coverage requirements too, including:

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

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.

How much is car insurance in Kansas per month?

For minimum coverage, Kansas car insurance costs an average of $34 a month. Kansas drivers pay an average of $142 a month.

Methodology

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:

  • $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 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.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, 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.
Edited by
Insurance Editor