Kansas is one of the cheaper states for car insurance, even though hail damage is common here. Full coverage costs $116 a month, 6% under the national average, and minimum coverage costs $45. Your city, age, driving record and your insurer all affect your rate as well.
Average Cost of Car Insurance in Kansas for 2026
Updated: July 8, 2026
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How Much Does Car Insurance Cost in Kansas?
Minimum Coverage | $45 | $60 | $539 | $726 |
Full Coverage | $116 | $124 | $1,389 | $1,493 |
Kansas Car Insurance Cost by Coverage Level
What really changes your Kansas rate is your choice of deductible. Dropping your deductible from $1,000 to $0 adds $86 a month but switching to full 100/300/100 coverage from the state minimum adds only $52. Adding comprehensive and collision costs $19 more a month, and that's what covers hail damage, theft and collision repairs the state minimum leaves out.
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 |
How Much Is Car Insurance by City in Kansas?
Kansas City's full coverage rate of $136 a month is the highest in the state, $31 above Manhattan's $105. Kansas City has the highest vehicle theft rate among the state's largest cities, 180 per 100,000 residents, plus more accidents per driver than Manhattan. If you have a clean record in Kansas City and you're paying more than $136 a month, check if extra cost is coming from your insurer.
Kansas City | $136 | $54 |
$128 | $51 | |
Olathe | $127 | $58 |
$118 | $47 | |
Salina | $117 | $47 |
$116 | $45 | |
Shawnee | $115 | $45 |
Lenexa | $113 | $44 |
Lawrence | $110 | $43 |
Manhattan | $105 | $41 |
How Much Is Car Insurance in Kansas by Age and Gender?
Kansas drivers under 18 can't get their own policy, so teens go on a parent or guardian's plan instead. This is what a 16-year-old teen adds to that family plan: a male adds $3,134 a year and a female adds $2,895. Kansas prices by gender and teen girls file smaller claims, so the female rate costs $239 less at age 16. Family plans also cost less because everyone on the policy shares the cost, instead of pricing one teen alone.
Cost of Car Insurance with Violations in Kansas
A DUI in Kansas raises the full coverage rate from $116 to $191 a month, the biggest jump of any violation. An at-fault accident brings it to $168, a $52 increase over the clean-record rate. Kansas raises your rate for an accident too, even when someone else was at fault, from $116 to $120 a month. Serious violations like a DUI can also require an SR-22 filing before your rate returns to clean-record levels.
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% |
How Does Credit Score Affect Car Insurance Rates in Kansas?
In Kansas, insurers use your credit score to quote you with no limit on how much weight they give it. Drivers with good credit pay $113 a month for full coverage, while drivers with poor credit pay $307, a $194 difference that's more than a full year of minimum coverage ($539). Raising your score from poor to good can bring your rate back down at your next renewal.
Good Credit | $44 | $113 |
Bad Credit | $133 | $307 |
Difference | $89 | $194 |
How Much Does Car Insurance Cost in Kansas by Vehicle?
A Tesla Model Y costs $220 a month to insure in Kansas, $87 more than a Ford F-150 at $133 ($1,044 a year), the biggest difference of any two vehicles here. The Model Y's higher rate comes from its high-voltage battery, specialized repair technicians and parts only Tesla makes. The Tesla Model 3 costs $182, since Kansas hail season raises repair costs on every car, EVs most of all. The Honda Civic and Ford F-150 are the most affordable, both under $135 a month.
$57 | $690 | $133 | $1,601 | |
$58 | $692 | $134 | $1,612 | |
$60 | $716 | $139 | $1,670 | |
$63 | $759 | $147 | $1,769 | |
$63 | $761 | $148 | $1,774 | |
$67 | $799 | $155 | $1,865 | |
$78 | $937 | $182 | $2,179 | |
$94 | $1,132 | $220 | $2,641 |
What Affects Your Car Insurance Rates in Kansas?
Your Kansas credit score affects your quote the most, $194 a month between good and poor credit. Vehicle choice raises it up to $87, the difference between a Ford F-150 and a Tesla Model Y. Kansas is also a no-fault state, so every policy includes personal injury protection (PIP), a cost most tort states don't require.
How to Compare Car Insurance Rates in Kansas
GEICO's $71 a month is the lowest rate for full coverage in Kansas, though which company is cheapest for you still depends on your age, driving record and credit score. Kansas insurers vary in weighing those factors. Get quotes from at least three companies before you renew, and compare them at the same coverage level. To see which Kansas insurers price lowest for different drivers, compare cheapest and best car insurance in Kansas.
$25 | $71 | $302 | $849 | |
$33 | $76 | $400 | $909 | |
$36 | $87 | $431 | $1,043 | |
$45 | $97 | $534 | $1,158 | |
$36 | $118 | $431 | $1,419 | |
$52 | $130 | $626 | $1,559 |
Cost of Car Insurance in Kansas: FAQ
Kansas car insurance averages $45 per month for minimum coverage and $116 for full coverage. Your rate depends on your driving record, age, credit score, city, vehicle and the company you choose.
Kansas's uninsured motorist rate of 16% is above the 13% national average, and insured drivers end up covering a portion of that cost. Hailstorms also cause $1.8 billion in property damage a year across the state. Kansas is also a no-fault state, so every driver must carry personal injury protection (PIP) with at least $4,500 in medical benefits, a cost most tort states don't require.
Kansas drivers with good credit pay $113 a month for full coverage, while those with poor credit pay $307, a $194 monthly difference and $2,328 more a year.
How We Determined Kansas Car Insurance Costs
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.