Average Cost of Car Insurance in Kansas for 2026

Kansas full coverage costs $116 per month and minimum coverage costs $45. Both fall below their national averages of $124 and $60. Nationally, Kansas falls near the lower end because hailstorm risk is what mainly raises the cost, not the urban accident frequency or litigation costs that affect states like Florida and Louisiana. Your actual rate within Kansas depends on where you live, your age, your driving record and which company you choose.

Choosing a $0 deductible costs $150 per month in Kansas, $105 more than minimum liability alone at $45. Adding comprehensive and collision coverage with a $1,000 deductible totals the monthly cost to $64. That $19 monthly increase covers hail damage, theft and collision repairs.

The deductible choice changes your rate more than raising your liability limits does. Dropping from a $1,000 deductible to $0 on minimum liability adds $86 per month. Stepping from minimum liability to 100/300/100 with a $1,000 deductible adds $52 per month.

Kansas City's $136 per month full coverage rate is the highest in the state. A vehicle theft rate of 180 per 100,000 residents is also the highest among Kansas's 10 largest cities, and higher accident frequency than Manhattan raises Kansas City's rate $31 above Manhattan's $105. That $31 monthly cost difference adds up to $372 per year. A Kansas City driver with a clean record paying above $136 per month is most likely paying a company pricing premium, not a city premium.

Kansas drivers under 18 can't get their own car insurance policy and must be listed on a parent or guardian's plan. The table shows what each driver adds to a family plan, not the household's full premium: A 16-year-old male adds $3,134 per year while a 16-year-old female adds $2,895. Kansas uses gender as a pricing factor because female teen drivers produce lower claim severity on average, which is why the female rate costs $239 less per year than the male rate at age 16.

Family plans cost less because Kansas insurers spread risk across a multi-driver household rather than pricing a teen as a standalone risk. That advantage holds through the early 20s, but at 19 and 20 some Kansas insurers price individual policies below the family plan rate, and which is cheaper depends on the company.

A DUI raises Kansas full coverage rate from $116 to $191 per month, a larger increase than any other violation type. An at-fault accident brings full coverage to $168 per month, a $52 increase over the $116 clean-record rate. Kansas also penalizes not-at-fault accidents even when the other driver was responsible, so full coverage rises from $116 to $120 per month. Each of these increases stays on a Kansas driver's record for three to five years and requires an SR-22 filing before the rate returns to clean-record levels.

Kansas drivers with poor credit pay for full coverage from $113 to $307 per month, a $194 monthly difference that exceeds the entire annual cost of minimum coverage ($539 per year). Kansas insurers use credit-based scoring because credit history predicts claim frequency.

Drivers with poor credit file claims more often and Kansas places no restriction on how heavily insurers can weight that factor. A Kansas driver who improves their credit score from poor to good can expect their full coverage rate to fall by up to $194 per month at the next renewal.

A Tesla Model Y costs $220 per month to insure in Kansas, $87 more than a Ford F-150 at $133. That's the biggest vehicle cost difference on the table and adds up to $1,044 annually. The Tesla Model Y's higher rate reflects the cost of its high-voltage battery, specialized repair technicians and proprietary components, not just its purchase price. Kansas hailstorms cause $1.8 billion in annual property damage, and every vehicle carries comprehensive claim exposure. 

The Tesla Model 3 at $182 per month and Model Y at $220 carry that exposure on top of already-elevated repair costs. The Honda Civic and Ford F-150 are the most affordable options, both under $135 per month.

A Kansas driver's credit score produces the largest rate swing of any single factor, adjusting full coverage by $194 per month between good and poor credit. Vehicle choice moves rates by up to $87 per month between a Ford F-150 and a Tesla Model Y. Kansas is a no-fault state, which adds mandatory personal injury protection (PIP) costs that don't apply in tort states.

GEICO's $71 per month is the full coverage floor in Kansas. Which company meets that floor for a given driver depends on that driver's profile. Age, driving record and credit score shift the most between Kansas insurers because each insurer weighs those three factors differently against its Kansas claims data. Get quotes from at least three companies before renewing and compare the same coverage level across each. Our cheapest and best car insurance in Kansas guide ranks all major carriers by rate.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

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.