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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.

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2023

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Average Car Insurance Costs in Kansas (2023)

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$402

$34

Clean

$405

$34

Clean

$483

$40

Ticket

$534

$45

Ticket

$550

$46

Ticket

$616

$51

At-Fault Accident

$624

$52

At-Fault Accident

$646

$54

DUI

$705

$59

At-Fault Accident

$713

$59

DUI

$721

$60

DUI

$831

$69

Clean

$950

$79

Clean

$1,035

$86

Ticket

$1,249

$104

Clean

$1,254

$105

Ticket

$1,315

$110

At-Fault Accident

$1,472

$123

At-Fault Accident

$1,531

$128

Ticket

$1,541

$128

DUI

$1,647

$137

DUI

$1,729

$144

At-Fault Accident

$1,781

$148

DUI

$2,062

$172

Why Are Car Insurance Rates Moderate in Kansas?

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.

Average Car Insurance Costs in Kansas by Company

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.

Company
Annual Premium
Monthly Premium

Nationwide

$218

$18

Nationwide

$221

$18

State Farm

$256

$21

Iowa Farm Bureau

$268

$22

State Farm

$271

$23

Nationwide

$275

$23

Auto-Owners Insurance Co

$291

$24

Auto-Owners Insurance Co

$314

$26

Iowa Farm Bureau

$321

$27

Progressive

$326

$27

GEICO

$327

$27

State Farm

$328

$27

GEICO

$368

$31

Progressive

$374

$31

Farmers Union Insurance

$375

$31

Auto-Owners Insurance Co

$381

$32

Iowa Farm Bureau

$381

$32

Farmers Union Insurance

$391

$33

GEICO

$396

$33

Shelter

$403

$34

Travelers

$406

$34

Progressive

$406

$34

Farmers

$415

$35

Travelers

$422

$35

Travelers

$444

$37

American Family

$446

$37

Farmers Union Insurance

$455

$38

American Family

$457

$38

Farmers

$466

$39

Shelter

$481

$40

Farmers

$494

$41

American Family

$551

$46

Nationwide

$596

$50

Allstate

$619

$52

Allstate

$623

$52

Nationwide

$670

$56

Allstate

$691

$58

Shelter

$743

$62

State Farm

$749

$62

Iowa Farm Bureau

$760

$63

American Family

$766

$64

Nationwide

$786

$66

Auto-Owners Insurance Co

$817

$68

American Family

$842

$70

State Farm

$842

$70

Shelter

$848

$71

GEICO

$856

$71

Auto-Owners Insurance Co

$872

$73

Dairyland

$872

$73

Dairyland

$879

$73

Travelers

$898

$75

GEICO

$903

$75

Iowa Farm Bureau

$938

$78

Travelers

$986

$82

American Family

$993

$83

GEICO

$1,004

$84

Progressive

$1,018

$85

Shelter

$1,018

$85

Farmers Union Insurance

$1,031

$86

Farmers

$1,035

$86

Farmers

$1,039

$87

State Farm

$1,042

$87

Dairyland

$1,060

$88

Allstate

$1,122

$93

Iowa Farm Bureau

$1,122

$94

Progressive

$1,129

$94

Auto-Owners Insurance Co

$1,139

$95

Travelers

$1,144

$95

Farmers Union Insurance

$1,168

$97

Allstate

$1,187

$99

Allstate

$1,205

$100

Farmers

$1,240

$103

Farmers Union Insurance

$1,348

$112

Progressive

$1,386

$116

Shelter

$1,510

$126

Dairyland

$1,938

$162

Dairyland

$2,142

$178

Dairyland

$2,635

$220

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MONEYGEEK’S KANSAS CAR INSURANCE CALCULATOR

To determine rates, car insurance companies consider your coverage level and personal factors such as age and driving record. Use our Kansas car insurance calculator to obtain a quick estimate of your car insurance costs in the Sunflower State.

Average Car Insurance Costs in Kansas by Coverage Level

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.

Average annual car insurance rates by coverage tier

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.

Average Car Insurance Costs in Kansas by Age

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.

Age
Annual Premium
Monthly Premium

22-29

$483

$40

22-29

$1,254

$105

30-59

$1,035

$86

30-59

$405

$34

60 +

$950

$79

60 +

$402

$34

Average Car Insurance Costs in Kansas for Teens

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.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,187

$182

$4,382

$365

16

$2,506

$209

$5,130

$427

17

$2,153

$179

$3,671

$306

17

$2,484

$207

$4,376

$365

18

$1,838

$153

$3,103

$259

18

$2,118

$177

$3,718

$310

19

$1,719

$143

$2,164

$180

19

$1,930

$161

$2,569

$214

20

$1,759

$147

$1,896

$158

20

$1,955

$163

$2,197

$183

21

$1,391

$116

$1,493

$124

21

$1,554

$129

$1,742

$145

22

$1,386

$115

$1,411

$118

22

$1,552

$129

$1,589

$132

23

$1,409

$117

$1,265

$105

23

$1,597

$133

$1,400

$117

24

$1,336

$111

$1,200

$100

24

$1,482

$124

$1,300

$108

25

$1,244

$104

$1,110

$92

25

$1,322

$110

$1,152

$96

Average Car Insurance Costs in Kansas for New Cars vs. Older Cars

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.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$397

$33

2022 Vehicle

$405

$34

2012 Vehicle

$426

$35

2012 Vehicle

$438

$36

2022 Vehicle

$459

$38

2012 Vehicle

$496

$41

2012 Vehicle

$991

$83

2012 Vehicle

$1,050

$87

2022 Vehicle

$1,229

$102

2012 Vehicle

$1,258

$105

2022 Vehicle

$1,346

$112

2022 Vehicle

$1,611

$134

Average Car Insurance Costs in Kansas by Driving Record

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$402

$34

Clean

$405

$34

Clean

$483

$40

Ticket

$534

$45

Ticket

$550

$46

Ticket

$616

$51

At-Fault Accident

$624

$52

At-Fault Accident

$646

$54

DUI

$705

$59

At-Fault Accident

$713

$59

DUI

$721

$60

DUI

$831

$69

Clean

$950

$79

Clean

$1,035

$86

Ticket

$1,249

$104

Clean

$1,254

$105

Ticket

$1,315

$110

At-Fault Accident

$1,472

$123

At-Fault Accident

$1,531

$128

Ticket

$1,541

$128

DUI

$1,647

$137

DUI

$1,729

$144

At-Fault Accident

$1,781

$148

DUI

$2,062

$172

Average Car Insurance Costs in Kansas by Credit Score

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.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$288

$24

Excellent

$302

$25

Excellent

$328

$27

Good

$350

$29

Good

$366

$31

Good

$400

$33

Fair

$434

$36

Fair

$452

$38

Fair

$496

$41

Below Fair

$527

$44

Below Fair

$549

$46

Below Fair

$606

$51

Poor

$634

$53

Poor

$657

$55

Excellent

$712

$59

Excellent

$729

$61

Poor

$730

$61

Excellent

$746

$62

Excellent

$757

$63

Excellent

$780

$65

Excellent

$785

$65

Good

$869

$72

Excellent

$877

$73

Good

$887

$74

Excellent

$911

$76

Good

$913

$76

Good

$928

$77

Excellent

$928

$77

Good

$957

$80

Good

$957

$80

Fair

$1,069

$89

Good

$1,075

$90

Fair

$1,085

$90

Good

$1,119

$93

Fair

$1,124

$94

Good

$1,135

$95

Fair

$1,146

$95

Fair

$1,171

$98

Fair

$1,183

$99

Below Fair

$1,292

$108

Below Fair

$1,304

$109

Fair

$1,327

$111

Below Fair

$1,358

$113

Fair

$1,386

$115

Below Fair

$1,389

$116

Fair

$1,394

$116

Below Fair

$1,407

$117

Below Fair

$1,434

$120

Poor

$1,606

$134

Below Fair

$1,609

$134

Poor

$1,616

$135

Below Fair

$1,681

$140

Below Fair

$1,686

$140

Poor

$1,689

$141

Poor

$1,734

$145

Poor

$1,744

$145

Poor

$1,791

$149

Poor

$2,013

$168

Poor

$2,096

$175

Poor

$2,116

$176

Average Car Insurance Costs in Kansas by City

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.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Kansas City

$1,519

$643

Kansas City

$1,254

$539

Kansas City

$1,164

$533

Olathe

$1,289

$585

Olathe

$1,062

$488

Olathe

$986

$481

Overland Park

$1,327

$608

Overland Park

$1,092

$508

Overland Park

$1,017

$500

Topeka

$1,294

$538

Topeka

$1,070

$451

Topeka

$984

$446

Wichita

$1,415

$604

Wichita

$1,169

$505

Wichita

$1,074

$497

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in Kansas

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.