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Average cost of car insurance in Kansas for 2023
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.
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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.
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Kansas car insurance rates by company
| 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 |
| Kansas 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.
*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.
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Frequently asked questions
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.