Average cost of car insurance in Kansas for 2025

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 $582 for minimum coverage and $2,522 for full coverage. In contrast, the U.S. averages are around $808 and $2,692 respectively.

Kansas has a fairly sparse population density, which contributes to lower average insurance rates. Areas with fewer residents may mean fewer cars on the road and thus a lower likelihood of accidents and subsequent insurance claims.

Key takeaways

• The average cost of car insurance in Kansas per month is $48 for minimum coverage, while full coverage is an average of $210 a month.
• Kansas' average full coverage premium is about 6 percent less than the national average rate. Minimum coverage in Kansas fares even better, at 28 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 $2,839. A minimum coverage policy here averages $698 per year.
• Kansas drivers convicted of a DUI pay 67 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:

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 because they have a higher rate of accidents. However, the premium gap between genders tends to narrow the older you get. You might notice an uptick in rates after you turn 70 when due to age-related risk factors like slower reaction times.

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. Young drivers have less experience behind the wheel and may be more likely to engage in risky behaviors, like texting while driving. Because of this, they often pay more for coverage. 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.

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

Your driving record plays a significant role in determining car insurance costs in Kansas. 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 67 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.

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 these 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.

Kansas car insurance rates by vehicle type

The type of car or truck you drive also plays a role in determining your rate. Cars that generally cost more to fix, such as pricey sports cars or imported vehicles, may cost more for coverage. The same is true for theft rates. Cars that are statistically more likely to be stolen often have higher premiums to cover the carrier's increased risk. Below are sample average rates for some common vehicles to give you an idea of what your own make and model could cost you.

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.

How to save on car insurance in Kansas

Even with Kansas' lower-than-average rates, many drivers are still looking for ways to save. These strategies may help you find more wiggle room in your budget by reducing your auto premium:

• 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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