How Much Is Car Insurance in Kansas? (2026)

How much is car insurance in Kansas?

Kansas drivers pay around $79 per month, or $951 per year, for liability-only car insurance. Full-coverage car insurance averages $157 per month, or $1,883 per year. That’s much lower than the national average for both coverages.

Drivers in neighboring Missouri pay higher average monthly premiums of $93 for liability-only coverage and $180 for full coverage. In Iowa, drivers pay around $56 per month for liability coverage and $111 per month for full coverage.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$79	$951
Full coverage	$157	$1,883

Disclaimer: Table data is based on real-time Kansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Find Car Insurance in Kansas

Insurify partners with 120+ top insurers for real-time quotes

Enter your ZIP codeCompare Quotes Now

Excellent

4.7 out of 5 based on 18,138 reviews

Secure. Free. Easy-to-use.

Minimum car insurance requirements in Kansas

Kansas is a no-fault state for car accidents, which means each driver must have personal injury protection (PIP) to cover their own medical expenses after a crash, regardless of fault. Additionally, the Sunflower State requires drivers to have liability insurance and uninsured/underinsured motorist coverage.

The table below shows the minimum liability coverage requirements in Kansas.^[1]

Coverage Type	Kansas Minimum Requirement
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident
Personal injury protection (PIP)	$4,500 per year for medical expenses $900 per month for one year of disability or income loss $25 per day for in-home services $2,000 for burial or cremation expenses $4,500 for rehabilitation services
Uninsured/underinsured bodily injury liability	$25,000 per person/$50,000 per accident

Cheapest car insurance companies in Kansas

Liability-only insurance is the cheapest type of coverage you can buy. It covers other drivers’ injuries and property damage, but not your own.

Unlike full coverage, liability insurance doesn’t include collision coverage and comprehensive coverage, which help pay for damage to your car. Comprehensive coverage can be especially useful in Kansas, where hail and severe storms can damage vehicles.

The following companies have the cheapest rates for liability-only insurance in Kansas.

The below rates in Kansas are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$47
USAA	$51
American Family	$55
Progressive	$55
Auto-Owners	$61
Root	$65
Safeco	$68
National General	$71
GEICO	$73
Bristol West	$76
Dairyland	$76
Travelers	$81
Allstate	$83
Direct Auto	$89
The General	$91
Farmers	$106
Liberty Mutual	$110
CSAA	$119
Shelter	$129

Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.

Average Kansas car insurance rates by city

Salina is the cheapest city in Kansas for car insurance, with average monthly rates of $69 for liability coverage and $120 for full coverage. Kansas City is the most expensive, with drivers paying around $88 per month for liability coverage and $174 per month for full coverage.

Kansas City has a much larger population than Salina — 157,800 people, compared to 46,100 in Salina.^[2] Salina drivers also have a relatively short commute time of 14.8 minutes, while Kansas City drivers spend around 22.4 minutes commuting. More time on the road means a higher accident risk, which can affect car insurance rates.

The table below shows average monthly liability-only and full-coverage quotes in cities in Kansas.

The below rates in Kansas are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

City	Average Monthly Quote
Salina	$95
Manhattan	$96
Lawrence	$104
Junction City	$109
Topeka	$111
Garden City	$117
Kansas City	$131
Wichita	$131

Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.

Average Kansas car insurance rates by age

Your age can affect how much you pay for car insurance. Young drivers, especially those younger than 25, have less driving experience, so insurers generally consider them high-risk drivers. As you get older and gain experience, you’ll typically see your insurance premiums decrease.

Teen drivers in Kansas pay an average of $146 per month for liability car insurance, while adults in their 40s pay around $82 per month. Senior drivers pay the lowest average monthly rate, at $68.

The following table shows average monthly liability-only and full-coverage rates for teen drivers, adults, and seniors.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$146	$289
Adults (40s)	$82	$164
Seniors	$68	$135

Disclaimer: Table data is based on real-time Kansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Kansas

Your driving history can affect how much you pay for car insurance. In Kansas, around 5% of drivers have a speeding ticket, 5% have an at-fault accident on their record, and less than 1% have a driving under the influence (DUI) conviction, according to Insurify data. If you have one of these incidents on your record, your insurance rates will likely be higher than a driver with a clean record.

In the Sunflower State, drivers with a DUI pay around 37% more than drivers with a clean record. A speeding ticket increases your rates by around 26%, while an at-fault accident can increase them by 15%.

The following table shows average monthly car insurance rates for different driving records.

Driving Record	Average Monthly Quote in KS	% Increase Compared to Clean Driving Record
Clean driving record	$117	N/A
With speeding ticket	$147	26%
With accident	$135	15%
With DUI	$160	37%

Disclaimer: Table data is based on real-time Kansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Kansas?

The following factors may affect car insurance rates in Kansas:

• PIP requirement: States like Kansas often have higher insurance rates than at-fault states. That’s because Kansas and other no-fault states require drivers to have both PIP and liability coverage, while at-fault states only require liability insurance.

• Tornado risk: Kansas is among the states most frequently affected by tornadoes, often referred to as Tornado Alley.^[3] Storm debris can damage cars and increase insurance claims, and insurance companies pass the costs along to drivers as higher premiums.

• Wildfire risk: Eastern Kansas has a higher wildfire risk than other areas of the state.^[4] Comprehensive insurance can cover fire damage, but it’ll increase your monthly premiums.

• Theft risk: The Kansas City metro area ranked No. 15 in the country for car thefts by volume in the first half of 2025, while the Wichita metro area ranked No. 49, according to Insurify data. If you live in a high-theft area, you may pay more for car insurance.

Compare Kansas Car Insurance Quotes

See quotes from top insurers in minutes

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 18,138 reviews

Secure. Free. Easy-to-use.

How Kansas car insurance rates have changed over the past five years

Kansas car insurance rates have increased by around 30% from 2021 to 2026, according to Insurify’s American Driver Report. One reason may be rising claim costs. Incurred losses represent the total dollar amount of losses associated with insured events during a specific period.

From 2020 to 2022, incurred losses from PIP claims in Kansas increased by 12%.^[5] During that same period, incurred losses for property damage liability rose by more than 50%.

How to lower car insurance costs in Kansas

Here are some ways to find cheap car insurance in Kansas:

• Compare quotes. Insurers may quote different premiums for the same coverage limits, so it’s important to shop around before choosing an insurance company. Use the Kansas Department of Insurance’s Auto Insurance Shopper’s Guide to determine the right questions to ask each insurer.

• Bundle your policies. Many insurers offer discounts if you buy multiple policies, like auto insurance, homeowners insurance, renters insurance, or life insurance.

• Take an accident avoidance course. Kansas law requires insurers to offer a premium discount for drivers who complete a state-approved accident prevention course. The course should be at least four hours.

• Look into alternative coverage options. The Kansas Automobile Insurance Plan (KAIP) provides car insurance to drivers who can’t get coverage through the standard insurance market. KAIP provides basic liability coverage, comprehensive coverage, and collision coverage if at least three insurers have rejected you.

Kansas average car insurance cost FAQs