Average cost of car insurance in Kansas for 2023

How much is car insurance in Kansas

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.

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

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. 

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.

*16- and 17-year-old drivers must be on their parents’ policy.

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

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. 

Car insurance rates in Kansas by credit tier

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.

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.

How to save on car insurance in Kansas

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:

• Take advantage of discounts: Although carriers offer their own unique suite of discounts, you could find some are common across companies. For instance, you might find that many major carriers offer vehicle safety discounts, a bundling discount, a discount for going paperless or paying your premium in full and more. It’s important to carefully review your quote to ensure you get all the savings opportunities you are eligible for.  
• 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. 
• 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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Frequently asked questions