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Kansas Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Kansas?

On average, car insurance rates for drivers in Kansas are $197 per month, and $2369 per year. The average rates make Kansas the 31st most expensive state in the country for car insurance rates and 13% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $19750%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Kansas Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Kansas and has selected the following providers and quotes as the best rates for drivers in Kansas.

Cheapest CompaniesQuotes
Progressive$29
State Farm$48
Allstate$49
GEICO$75
Nationwide$77

Kansas Car Insurance Rates by City

For drivers in Kansas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Kansas.

CityAvg. Monthly Rate
Hutchinson$165
Kansas City$211
Lawrence$178
Lenexa$167
Manhattan$175
Olathe$201
Overland Park$191
Shawnee$180
Topeka$170
Wichita$205

What Is the Average Cost of Car Insurance in Kansas by Age?

Teenagers in Kansas pay a steep price for car insurance: $362 on average, which is the most of any age group in the state. Luckily, these prices go down in young adulthood, with Kansas drivers in their 20s paying $219 on average, which is only $22 more than the state average.

As you move into middle age, car insurance rates continue to go down. Rates are at their lowest on average for drivers in their 60s, who only have to pay $130 per month. This is a whopping $67 below the state average.

AgeAvg. Monthly Rate
Teens$362
20s$219
30s$162
40s$170
50s$153
60s$130
70s$138
>80s$143

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What Is the Average Cost of Car Insurance in Kansas by Gender?

Men pay a bit more for car insurance in Kansas, on average. At $205 per month, men pay a bit higher than the state average, while women are below the state average at $191 per month.

GenderAvg. Monthly Rate
Male$205
Female$191

Does Marital Status Influence the Average Cost of Car Insurance in Kansas?

On average, if you get married in Kansas, you should expect to pay slightly less for car insurance. Single drivers pay $201 per month on average, which is $4 more than the state average. Meanwhile, married drivers pay $187 per month, which is $10 below the state average.

Marital StatusAvg. Monthly Rate
Married$187
Single$201

What Are the Minimum Car Insurance Requirements in Kansas?

Kansas is unique in that it doesn’t require drivers to have car insurance. As an alternative, drivers can pay for damages using their own money, assuming they prove they have the financial security to cover the expenses that arise after an accident. But for the vast majority of drivers, they’ll want to minimize their financial risk and opt for car insurance.

If you do buy car insurance in Kansas, you’re required to have $25,000/$50,000 in bodily injury liability per person/accident, $25,000 in property damage liability, $25,000/$50,000 in uninsured and underinsured motorist protection, and $4,500 in personal injury protection coverage per person. Of course, you can always exceed these minimums if you feel you need more coverage.

kansas

How Does Credit History Affect Kansas Car Insurance Rates?

Kansas allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, there’s only a one dollar difference between what drivers with a poor credit history pay on average ($184 per month) and what those with an excellent credit history pay ($183 per month). Drivers with an average or good credit history pay even more, at $197 per month and $203 per month, respectively.

Credit HistoryAvg. Monthly Rate
Poor$184
Average$197
Good$203
Excellent$183

What Is the Average Cost of Car Insurance in Kansas for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Kansas will pay $48 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $25. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$185
At-Fault Accident$210
Speeding$233

Tips for Researching Kansas Car Insurance Rates

Car insurance rates can fluctuate dramatically between car insurance companies. And with several carriers offering their services in Kansas, drivers in the Sunflower State will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Kansas Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Kansas. Insurify analyzed the latest data for the five most populous cities in Kansas to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Kansas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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