How Much Is Car Insurance in Kansas? (2023 Averages)
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Several variables, such as the driver's record and the level of coverage purchased, affect Kansas auto insurance rates. A policy with the minimum coverage requirement in Kansas costs around $456 per year, while the average annual cost of auto insurance is $931. If you have a traffic conviction or add a young driver to your auto insurance policy, the average yearly premium soars to $1,139 and $2,394, respectively.
Your chosen auto insurance provider will affect the cost of your Kansas auto insurance. A full coverage policy from American Family in Kansas costs only $758 per year, whereas a similar policy from MetLife costs $1,182.
The Average Cost of Car Insurance in Kansas
MoneyGeek’s research shows that the average cost of car insurance depends on a variety of factors. In Kansas, your age and credit scores have the greatest impact on the cost of your car insurance policy.
Learning more about how individual factors impact the average cost of car insurance can help you find the best coverage and price for your needs.
Average Costs of Car Insurance in Kansas
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- DriverAverage Annual PremiumAverage Monthly Premium
- The Average Driver$931$78
- Drivers Buying Minimum Coverage$456$38
- Adding a Young Driver$2,394$200
- Drivers With a Violation$1,139$95
- Drivers With Poor Credit$1,602$134
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Why Are Car Insurance Rates Cheap in Kansas?
MoneyGeek’s research shows that Kansas has the 14th cheapest average car insurance costs among all states. Despite being a state with no-fault insurance, car insurance costs are affordable due to a low traffic density, probability of natural disasters and number of uninsured drivers.
In Kansas, only 11 percent of drivers don’t have car insurance. The state also has lower highway traffic density and natural disasters, as hurricanes and extreme weather conditions are less likely to occur. These factors contribute to lower annual premiums in Kansas.
Average Cost of Car Insurance in Kansas: Full Coverage vs. Minimum Coverage
In Kansas, an insurance policy that meets the minimum required coverage level has an average cost of $456 per year. In contrast, a full coverage policy, as defined in MoneyGeek’s methodology, has an average cost of $931 annually. There is a difference of an average of $475 between both types of policies.
The average car insurance costs in Kansas can significantly change depending on the extent of your coverage. If you purchase a full coverage policy, it will include liability, comprehensive and collision insurance; however, it’s going to cost you more.
Average Cost of Car Insurance in Kansas by Coverage Level
A state-minimum policy in Kansas is the lowest-priced auto insurance coverage you can get.
Note that Kansas drivers can expand their auto liability coverage to either 50/100/50 or 100/300/100. These numbers reflect the maximum amounts of liability coverage your car insurance plan provides. A 50/100/50 auto insurance policy, for instance, covers:
- $50,000 in bodily injury liability insurance per person
- $100,000 in bodily injury liability insurance per accident
- $50,000 in property damage liability insurance per accident
On the other hand, a full coverage policy provides both collision and comprehensive coverage and will protect the insured automobile in the event of a crash.
Average Cost of Car Insurance in Kansas By Company
Your insurance expenses significantly depend on your choice of an insurance company, as every company has different car insurance rates. In Kansas, American Family is the most affordable option for cheap full coverage insurance plans and minimum coverage plans.
While USAA is another cheap option, it’s only available for military families. Additionally, it offers you the cheapest liability-only car insurance in Kansas.
On average, MetLife offers the most expensive full coverage insurance plan and Allstate has the priciest minimum coverage plan in the state.
Average Annual Costs of Car Insurance in Kansas - By Company
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- CompanyMinimum CoverageFull Coverage
- $270$623
- $376$758
- $397$764
- $402$848
- $442$902
How Much Is Car Insurance in Kansas by Age?
The age of the driver has a significant effect on the cost of car insurance. Young drivers are more likely to get into accidents and are considered risky by insurers; hence, they get expensive car insurance quotes in Kansas.
Our data shows a difference of an average of $1,463 per year between the car insurance costs of a 40-year-old buying their policy compared to a 16-year-old on their own policy.
It is possible for young drivers to save money on insurance premiums if they are added to their parents’ car insurance plan.
Additionally, first-time drivers are viewed the same as young drivers by insurance companies. This means you can anticipate similar insurance rates if you have recently started driving in Kansas.
Average Costs of Full Coverage Car Insurance in Kansas - By Age
How Does Driving History Affect Car Insurance Costs in Kansas?
People with bad driving records and multiple violations under their names will usually have higher car insurance costs as they are considered high-risk individuals by insurers. However, many cheaper options are also available.
MoneyGeek’s research shows that people with a speeding ticket pay an average of $208 more per year for a car insurance plan than someone with a clean driving record. The cost difference increases with the severity of the violation.
Average Costs of Full Coverage Car Insurance in Kansas - By Driving History
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- Driving ViolationAnnual Premium
- Safe Driver$931
- Speeding Ticket$1,139
- At-Fault Accident$1,423
- DUI$1,418
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Credit Scores and the Cost of Car Insurance in Kansas
Your credit history plays a significant part in determining your car insurance costs. MoneyGeek’s research shows that people with a poor credit score in Kansas pay an average of $712 more per year compared to someone who has a good credit score.
Conversely, people with excellent credit pay an average of $166 less per year than someone with a good credit score.
In Kansas, drivers with good credit scores can save money on insurance premiums and those with bad credit scores may be required to pay more. However, shopping around can help you find cheaper options in the state.
Average Costs of Full Coverage Car Insurance in Kansas - By Credit Score
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- Credit ScoreAnnual Premium
- Excellent$725
- Good$890
- Fair$1,085
- Below Fair$1,331
- Poor$1,602
How Much Is Car Insurance in Your City?
While car insurance costs are different in every state for various reasons, they can also vary significantly within a state. Usually, densely populated cities or cities with higher chances of accidents have higher car insurance rates.
In Kansas, Olathe is the cheapest option for car insurance at an average annual cost of $816, 12.4 percent less than the state's average cost of car insurance.
Kansas City is the most expensive option for car insurance at an average cost of $1,051 per year, 12.9 percent more than the state's average cost of car insurance.
Average Costs of Full Coverage Car Insurance in Kansas - By City
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- CityAnnual Premium
- $1,051
- $816
- $824
- $832
- $931
Frequently Asked Questions About Kansas Car Insurance Rates
These frequently asked questions about Kansas car insurance rates will help you make an informed decision while shopping for a car insurance plan.
About Mark Fitzpatrick
sources
- Insurance Information Institute. "What is covered by a basic auto insurance policy?." Accessed September 14, 2021.