How Much Is Car Insurance in Kansas? (2023)

Your car insurance rates may vary depending on several factors, such as your age, specific location, coverage level, driving record and credit score. In Kansas, the average cost of a full coverage policy ranges from $670 per year (Nationwide) to $2,142 per year (Dairyland). For 16-year-old male drivers on family policies, car insurance costs average $2,506 per year, while 60-year-old drivers pay an average of $950 per year.

Although the average cost of car insurance in Kansas is $1,035 per year, factors such as your coverage amount and driving record can significantly impact this rate. If you have a clean driving record, you can expect to pay an average of $1,035 per year for full coverage. This rate goes up to $1,315 per year after a speeding ticket, $1,531 per year after an at-fault accident and $1,729 per year following a DUI.

Car insurance is more expensive in Kansas than some other states, but rates are close to the national average of $1,054 for a full coverage policy. Kansas' moderate rates may be due to the state's medium traffic density as well as lower urban population density and vehicle theft rates. If car insurance is more expensive for you, your age or driving history could be affecting your rates.

Depending on the insurance company, your car insurance rate may be different from the state average. Nationwide provides the cheapest car insurance in Kansas at $221 per year for minimum coverage ($670 per year for full coverage), while Dairyland has the highest rates at $879 per year for minimum coverage ($2,142 per year for full coverage).

Generally, liability-only insurance is cheaper than a full coverage policy, but it’s possible to find affordable full coverage car insurance by shopping around.

The amount you’ll pay for car insurance depends partly on your coverage level. The average cost of car insurance in Kansas ranges from $405 per year for state-mandated minimum coverage to $1,222 per year for full coverage with increased liability limits. Expect your rates to increase by hundreds of dollars per year if you buy comprehensive and collision insurance (also known as full coverage). However, you can save on premiums by choosing a higher deductible.

Liability-only insurance that adheres to the minimum coverage requirements in Kansas is the cheapest type of policy you can buy in the state. Kansas requires personal injury protection and uninsured/underinsured motorist coverage, which makes minimum coverage policies more expensive compared to other states. These policies include the lowest possible liability limits and no comprehensive and collision coverage.

Typically, insurance companies offer car insurance with increased liability limits, shortened to 50/100/50 or 100/300/100. A policy with liability limits of 50/100/50 has the following coverage:

• $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

Most insurers offer a maximum liability option of 300/500/300. Liability insurance only covers damages or injuries sustained by others. If you want coverage for damages to you or your vehicle, you need to purchase comprehensive and collision insurance, which are included in full coverage auto policies.

Insurance companies consider your age when determining your rates, although this factor has a greater impact when it comes to auto insurance for new drivers or young drivers due to their lack of driving experience.

In Kansas, here’s the average cost of a full coverage policy by age group:

• 22–29: $1,254 per year
• 30–50: $1,035 per year
• 60+: $950 per year

Drivers in their 20s tend to pay more for car insurance than those aged 30 to 60. Rates tend to slightly decrease for drivers past their 60s. Adult drivers over 30 who recently started driving can also expect to pay higher rates.

Kansas teens pay more for car insurance than other age groups, with full coverage policies costing an average of $2,506 per year for a 16-year-old male driver on a family plan. Individual policies are even more expensive, averaging $5,130 per year. However, teens legally need a parent or guardian to co-sign in order to purchase an individual policy.

Car insurance rates decrease as drivers age and acquire more experience on the road. A 19-year-old male driver on a family policy pays $1,930 per year for full coverage, whereas a 22-year-old pays $1,552 per year.

In Kansas, car insurance companies also take gender into account when determining rates for teens. A 16-year-old female teen on a family policy will pay roughly $2,187 per year for full coverage — $319 less than male teens. By shopping around, you can find the least expensive car insurance in Kansas for teens.

Insuring a new car in Kansas costs an average of $1,346 per year, 28% more than the cost to insure an older car ($1,050 per year). New vehicles typically cost more to insure due to their higher actual cash value, cost of repairs and risk of theft.

The actual cash value (ACV) of your car refers to the amount your insurance company will pay to repair or replace it if it gets damaged. An older vehicle with a lower ACV typically has lower car insurance rates.

For drivers with a new car, it’s advisable to get a full coverage policy to financially protect your purchase. This will cover damages to your car in the event of an accident or a non-accident incident.

Your car insurance rates are significantly influenced by your driving record. Here are the average rates for a full coverage policy for drivers with the following driving violations in Kansas:

• Clean record: $1,035 per year
• Speeding ticket: $1,315 per year
• At-fault accident: $1,531 per year
• DUI: $1,729 per year

Car insurance costs tend to increase along with the severity of the driving offense. For instance, you may pay more for coverage after a DUI than a speeding ticket. Because violations can drive up your insurance rates, it’s crucial to find the cheapest car insurance for drivers with poor records in Kansas to save on premiums.

One of the many factors affecting the cost of car insurance is credit score. In Kansas, drivers with poor credit pay about $1,689 per year for full coverage, while those with excellent credit only pay $746 per year. These are the average annual costs of car insurance for Kansas drivers based on credit score:

• Excellent: $746 per year
• Good: $913 per year
• Fair: $1,124 per year
• Below fair: $1,358 per year
• Poor: $1,689 per year

Car insurance is usually more expensive for drivers with lower credit scores, but some insurers may penalize drivers with poor credit more than others. Compare provider rates to find the most affordable car insurance for Kansas drivers with poor credit.

Your car insurance rates may vary significantly based on your specific location in Kansas. For instance, you will pay the most for a full coverage policy in Kansas City at $1,254 per year and the least in Olathe at $1,062 per year. Costs are likely higher in Kansas City due to its higher car theft rates and denser population.

The average cost of car insurance in Kansas can vary depending on both personal details and statewide differences. To help you in your search for auto insurance, we answered some frequently asked questions.