Average car insurance cost in Kansas
Kansas sits in the pricier half of the country at #38 of 51, with average premiums about 8% above the national average — roughly $204 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Kansas compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Kansas next to nearby states:
Kansas car insurance FAQ
How much is car insurance in Kansas?
Full-coverage car insurance in Kansas averages $225 per month ($2,700 per year). A state-minimum liability policy averages $72 per month ($864 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Kansas more expensive than average?
Yes. Kansas's full-coverage average of $225/month is about 8% above the U.S. average of $208/month, ranking #38 of 51 (1 = cheapest).
Is Kansas a no-fault state?
Yes. Kansas uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Kansas?
Minimum liability in Kansas averages $72/month versus $225/month for full coverage — a gap of $153/month, or $1,836/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.