Cheap Full-Coverage Car Insurance in Kansas (2026)

Cheapest full-coverage car insurance in Kansas

Full-coverage car insurance in Kansas costs an average of $157 per month, and State Farm offers the lowest average rate, at $89 per month.

Below, you’ll find the cheapest car insurance companies in Kansas, according to Insurify data.

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

Insurance Company	Average Monthly Quote: Full Coverage
State Farm	$89
USAA	$98
American Family	$104
Progressive	$114
Auto-Owners	$115
National General	$121
Root	$125
Allstate	$136
GEICO	$145
Direct Auto	$150
Travelers	$153
Safeco	$155
Bristol West	$175
CSAA	$198
Liberty Mutual	$198
Farmers	$200
Dairyland	$224
The General	$236
Shelter	$244

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.

How much is full-coverage insurance in Kansas?

The average cost of full-coverage auto insurance in Kansas is $157 per month, compared to the national average of $187 per month. Kansas’ elevated risk of tornado damage can affect the cost of comprehensive insurance.^[1]

But your rate depends on several factors, including your age, driving record, ZIP code, and the car you drive. Your coverage limits, deductibles, and credit history also affect the average cost of car insurance in Kansas.

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How to find cheap full-coverage car insurance in Kansas

Here are some steps you can take to save money on full-coverage car insurance in Kansas:

• Compare car insurance quotes from several companies. Each insurance company prices coverage differently, so shopping around is the most reliable way to find cheap car insurance in Kansas.

• Ask about discounts. Many insurers offer car insurance discounts for good students, low annual mileage, anti-theft devices, vehicle safety features, and completing a driver safety course.

• Bundle your policies. Buying homeowners or renters insurance from the same company that insures your car can qualify you for a multi-policy discount.

• Raise your deductibles. A higher deductible on collision and comprehensive insurance will lower your rate. But it’ll also increase your out-of-pocket expense if you file a claim, so make sure you have enough to cover the higher deductible.

• Keep a clean driving record. Kansas insurers can factor accidents, speeding tickets, or other traffic violations into your rate for three to five years.^[2] Avoiding violations can help you keep your rates low.

What full-coverage car insurance covers

“Full coverage” isn’t a type of policy. In Kansas, it typically combines state-required liability insurance, personal injury protection (PIP), and uninsured/underinsured motorist (UM/UIM) coverage with collision and comprehensive insurance.

Here’s a quick breakdown of what’s included:

• 

  Bodily injury liability coverage

  If you cause an accident, bodily injury liability insurance covers medical expenses for others not in your vehicle.

• 

  Property damage liability coverage

  If you cause an accident, property damage liability insurance pays for damages to other people’s property.

• 

  Personal injury protection

  Regardless of who caused the accident, PIP can cover your medical expenses, lost wages, rehab costs, funeral and related expenses, and even survivor benefits. Kansas requires drivers to carry PIP coverage.

• 

  Uninsured/underinsured motorist coverage

  UM/UIM coverage pays for bodily injuries you sustain if you get into an accident caused by someone with insufficient or no coverage.

• 

  Collision coverage

  With collision insurance, the insurer pays to repair or replace your car after it hits another vehicle or an object, regardless of who’s at fault.

• 

  Comprehensive coverage

  Comprehensive insurance pays for damage to your car from events other than a collision, including hail, theft, fire, hitting a deer and vandalism.

Car insurance requirements in Kansas

Kansas drivers must meet the state’s minimum car insurance requirements, which include the following coverages:

• Bodily injury liability: You need at least $25,000 per person and $50,000 per accident for injuries you cause to others.

• Property damage liability: You need at least $25,000 per accident to cover damages you cause to other people’s property.

• Personal injury protection: PIP pays for a variety of expenses you might incur, regardless of who’s at fault. Kansas requires at least $4,500 per person for medical expenses and $4,500 for rehabilitation. Coverage also includes up to $900 per month for one year for lost income, $25 per day for substitution services, and $2,000 for funeral expenses. Survivor benefits include up to $900 per month for lost income and $25 per day for substitution services, both for up to one year.

• Uninsured/underinsured motorist coverage: You’ll need at least $25,000 per person and $50,000 per accident in UM/UIM bodily injury coverage. This helps pay for your injuries if an at-fault driver has no insurance or insufficient coverage.

It’s important to note that these are just the state-minimum car insurance requirements. Insurance professionals typically recommend purchasing higher liability limits because the state’s minimum might not be enough for a severe crash, leaving you financially on the hook.

Minimum vs. full-coverage car insurance in Kansas

Minimum-coverage car insurance meets Kansas’ legal insurance requirements. It covers injuries and property damage you cause to others, plus certain injuries you sustain up to your policy limits. With full coverage, collision and comprehensive insurance help pay for damage to your own car.

Factor	Liability Only	Full Coverage
Average monthly cost in Kansas	$79	$157
Covers damage to your own car	No	Yes
Covers damage to other car	Yes	Yes
Covers animal strikes, hail, and theft	No	Yes
Meets Kansas requirements	Yes	Yes

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.

When comparing these options, consider your car’s value, whether you have a loan or lease, your monthly budget, and your savings. If you finance or lease your car, you’ll typically need full coverage because lenders and leasing companies usually require it.^[3] 

Full coverage may also make sense if you can’t afford to repair or replace your car out of pocket. In contrast, liability-only coverage may make sense for cars worth less than $3,000, according to the Kansas Department of Insurance.

Is full-coverage car insurance worth it in Kansas? 

Even if your lender or leasing company doesn’t require it, full coverage may be worth it if you can’t afford to repair or replace your vehicle out of your own pocket.

For example, 39% of single-vehicle crashes in Kansas in 2024 involved collisions with deer, according to the Kansas Department of Transportation. The average animal strike claim that year was $8,430.

If you hit a deer and only have liability insurance, you’d have to pay for the damage yourself. But with a $500 comprehensive deductible, you’d pay $500, and your insurer would cover the remaining $7,930, assuming it covers the claim.

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