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.