Updated: March 7, 2026
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Kansas car insurance costs more than in over half the states. This is because of severe weather risks, such as tornadoes and hail, which lead to frequent comprehensive claims. Your age, driving experience and location within Kansas determine much of what you'll pay.
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Car insurance in Kansas ranges from $45 per month for minimum coverage to $116 for full coverage. Drivers in Kansas save $187 annually below the national average for minimum coverage and $104 below average for full coverage.
| Minimum Coverage | $45 | $60 | $539 | $726 |
| Full Coverage | $116 | $124 | $1,389 | $1,493 |
There are 27 states with cheaper full coverage than Kansas, which ranks 28th at $116 per month. Kansas sits comfortably in the middle range, with New Mexico ahead at the same $116 monthly cost and Pennsylvania trailing close behind at $117. Kansas drivers pay reasonable rates compared to the national spread, from Vermont's $75 per month to Florida's $243.
| Vermont | $75 | $902 | 1 |
| New Mexico | $116 | $1,388 | 27 |
| Kansas | $116 | $1,389 | 28 |
| Pennsylvania | $117 | $1,407 | 29 |
| Florida | $243 | $2,912 | 51 |
Many Kansas drivers carry no insurance. This forces insured drivers to pay more for uninsured motorist coverage to protect themselves from crashes involving drivers who can't cover damages.
Severe weather patterns cause insurance payouts each year. Hailstorms alone cause $1.8 billion in annual property damage across the state, with golf ball-sized hail common during the spring and summer months. Kansas ranks fourth nationally for tornado frequency per square mile, creating additional comprehensive coverage claims that increase premiums for all drivers.
The state's no-fault insurance laws require all drivers to carry personal injury protection (PIP) coverage, adding mandatory costs that don't exist in traditional tort states. PIP coverage in Kansas must provide at least $4,500 in medical benefits and $900 monthly for disability and rehabilitation expenses. Vehicle theft rates of 180 per 100,000 residents in the Kansas City metro lead to increased claims.
Premium variations can be big between metropolitan and rural areas (see city rates below).
Full coverage in Kansas starts at $71 per month with GEICO and reaches $130 with Progressive, creating a $59 monthly gap that rewards shopping around for better rates. Travelers offers the second most affordable option at $76 per month, while Auto-Owners rounds out the top three cheapest carriers at $87 per month. Kansas drivers can save up to $708 annually by switching from expensive carriers to budget-friendly alternatives. These rate differences reflect real savings opportunities since all quotes use identical driver profiles.
Read more: Cheapest and Best Car Insurance Companies in Kansas
| Geico | $25 | $71 | $302 | $849 |
| Travelers | $33 | $76 | $400 | $909 |
| Auto Owners | $36 | $87 | $431 | $1,043 |
| Shelter Insurance | $45 | $97 | $534 | $1,158 |
| State Farm | $36 | $118 | $431 | $1,419 |
| Progressive | $52 | $130 | $626 | $1,559 |
Rates vary between companies because each insurer uses its own formula to weigh risk factors like your driving record, location, age and vehicle type. A company with thousands of Kansas policyholders prices driver profiles differently than one with limited local claims data, leading to vastly different quotes for identical coverage.
Some carriers price aggressively for clean-record drivers and charge premiums for risky profiles, while others specialize in affordable coverage for higher-risk drivers who can't find cheap rates elsewhere. Your cheapest option depends entirely on how your driver profile fits each company's pricing model, making direct quote comparison the only reliable way to find your best rate.
Coverage level alone can move your monthly premium by $105 in Kansas, from $45 for minimum liability to $150 for the highest tier. State minimum liability costs $45 per month, while adding comprehensive and collision coverage with a $1,000 deductible brings your monthly cost to $64. That extra $19 per month covers damage to your own vehicle from accidents, theft, vandalism and weather.
Lowering your deductible costs more than raising your liability limits in Kansas. The most expensive coverage tier is minimum liability plus comprehensive and collision with a $0 deductible at $150 per month, making the deductible choice the biggest cost driver in your policy.
| Minimum Liability Only | $45 | $539 |
| Min. liab. + comp/coll ($1,000 ded.) | $64 | $767 |
| Min. liab. + comp/coll ($2,000 ded.) | $93 | $1,111 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $116 | $1,388 |
| 50/100/50 liability + comp/coll ($500 ded.) | $119 | $1,434 |
| Min. liab. + comp/coll ($250 ded.) | $124 | $1,484 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $124 | $1,487 |
| Min. liab. + comp/coll ($0 ded.) | $150 | $1,801 |
A deductible is the amount you pay out of your own pocket before your insurance company covers the rest of a claim. Higher deductibles lower your monthly premium, but you'll pay more if you need to file a claim for damage to your vehicle.
The coverage table uses a three-number format to show liability limits. Kansas requires minimum coverage of 25/50/25, meaning $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability per accident. You also have to carry PIP and uninsured motorist coverage. This minimum coverage protects others if you cause an accident, but doesn't cover damage to your own car.
For example, the policy titled "100/300/100 liability + comp/coll ($1000 ded.)" breaks down as:
For more details about what each coverage protects, check out our guides on types of car insurance coverages and how much car insurance you need.
Drivers in Kansas City pay more for car insurance than anywhere else in Kansas at $136 per month for full coverage, which is 17% above the state average. Manhattan offers the most affordable rates at $105 per month, while Wichita comes in as the second most expensive city at $128 per month. The $31 monthly gap between the most and least expensive cities among the state's 10 largest populations translates to $372 in annual savings for drivers in the cheapest areas. Lawrence rounds out the affordable options at $110 per month, giving budget-conscious drivers multiple cities with below-average rates.
| Kansas City | $136 | $54 |
| Wichita | $128 | $51 |
| Olathe | $127 | $58 |
| Overland Park | $118 | $47 |
| Salina | $117 | $47 |
| Topeka | $116 | $45 |
| Shawnee | $115 | $45 |
| Lenexa | $113 | $44 |
| Lawrence | $110 | $43 |
| Manhattan | $105 | $41 |
Kansas City's $136 monthly rate stems from dense urban traffic, higher accident frequency and elevated vehicle theft rates that come with being the state's largest metropolitan area. Manhattan drivers pay $31 less per month and $372 less annually because this college town has lower traffic density and fewer urban risks than its big-city counterpart.
A 16-year-old on a family policy in Kansas pays $5,223 per year for males and $4,825 for females — compared to $7,871 and $6,859 respectively on individual policies. The $398 gender gap reflects how gender affects car insurance rates for teenage drivers in the state.
Staying on a family policy saves male teens $2,648 annually compared to getting their own coverage, while females save $2,034. Car insurance costs drop steadily as young drivers gain experience through their early 20s and level off around age 25.
| 16 | $7,871 | $5,223 |
| 17 | $6,462 | $4,902 |
| 18 | $5,567 | $4,629 |
| 19 | $4,273 | $4,347 |
| 20 | $3,726 | $4,127 |
| 21 | $2,971 | $4,053 |
| 22 | $2,737 | $3,892 |
| 23 | $2,422 | $3,645 |
| 24 | $2,269 | $3,536 |
| 25 | $2,041 | $3,190 |
Your driving record is fixed in the short term, but violations don't last forever. Drivers with a clean record pay $116 per month for full coverage in Kansas, while a speeding ticket raises that cost to $144 per month — a 24% increase that adds $342 to annual premiums. Most violations affect rates for three to five years in Kansas, though the timeframe varies by violation type.
A DUI conviction creates the highest rate increase at $191 per month, representing a 65% jump that costs drivers an extra $900 per year compared to clean records. Violations raise rates because they signal higher risk to insurers, who respond by increasing premiums to offset the greater likelihood of future claims and may require an SR-22 filing for serious offenses.
| Clean Record | $116 | $1,388 | — |
| Accident (not at fault) | $120 | $1,437 | 3% |
| Speeding | $144 | $1,730 | 24% |
| Texting While Driving | $145 | $1,738 | 25% |
| Accident (at fault) | $168 | $2,015 | 45% |
| DUI | $191 | $2,288 | 65% |
Multiple violations narrow your insurer options in Kansas and can push you into the high-risk category, where carriers charge higher premiums for coverage. Drivers in Kansas who fall into this classification have fewer willing insurers and steeper costs that can strain their budgets.
Kansas allows insurers to use credit-based scoring, creating a $194 monthly gap between drivers with good and poor credit for full coverage. Drivers with poor credit pay $307 per month compared to $113 for those with good credit, representing a 172% increase.
Improving credit serves as a long-term strategy for reducing premiums over time. Lower-income drivers in Kansas can benefit from credit repair efforts, potentially saving $2,328 annually on full coverage costs.
| Good Credit | $44 | $113 |
| Bad Credit | $133 | $307 |
| Difference | $89 | $194 |
A Tesla Model Y costs $220 per month to insure in Kansas — $87 more per month than a Ford F-150 at $133. Understanding how insurance costs by vehicle vary helps you budget for your next car purchase, since full coverage ranges from $133 to $220 monthly across different models. Sedans like the Honda Civic fall in the middle at $134 per month, making the annual gap between cheapest and most expensive vehicles $1,044.
Electric vehicles cost more to insure because their parts and specialized repairs exceed conventional vehicle expenses. The Tesla Model Y's high-voltage battery, advanced sensors and proprietary components require specialized technicians and expensive replacement parts that drive up claim costs.
| Ford F-150 | $57 | $690 | $133 | $1,601 |
| Honda Civic | $58 | $692 | $134 | $1,612 |
| Honda Accord | $60 | $716 | $139 | $1,670 |
| Toyota Camry | $63 | $759 | $147 | $1,769 |
| Toyota Prius | $63 | $761 | $148 | $1,774 |
| Toyota Rav4 | $67 | $799 | $155 | $1,865 |
| Tesla Model 3 | $78 | $937 | $182 | $2,179 |
| Tesla Model Y | $94 | $1,132 | $220 | $2,641 |
Your city, age, driving record and coverage level each affect what you pay for car insurance in Kansas, with variations that exceed most drivers' expectations. These four factors can shift your annual premiums by hundreds of dollars, making the difference between the cheapest and most expensive driver profiles large across Kansas.
Kansas car insurance averages $45 per month for minimum coverage and $116 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage choices.
Kansas drivers have high uninsured motorist rates at 16% compared to the national average of 13%, which increases premiums for everyone. Severe hailstorms and tornadoes generate massive comprehensive claims across the state. Rising medical costs under Kansas's no-fault insurance laws also drive up personal injury protection requirements.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
