Average Car Insurance Cost in Kansas (2025)

Kansas requires drivers to carry a minimum amount of car insurance. On average, Kansas drivers spend $112 per month on insurance coverage. When compared to the national average rate of $143 per month, drivers in the Sunflower State tend to pay lower rates.

The state’s heartland location, away from the threats associated with a coastal environment and with a generally low cost of living, likely contributes to its relatively low rates. But like the rest of the nation, Kansas drivers have seen rising insurance costs over the last few years.

Here’s what you should know about car insurance as a Kansas driver, including average car insurance costs.

How much is car insurance in Kansas?

Kansas drivers pay an average monthly rate of $112, or $1,344 annually, for car insurance. For a minimum-coverage policy, the average monthly rate is $77, which works out to an annual rate of $929. Drivers with a full-coverage policy pay an average of $147 per month, or an annual rate of $1,759.

You’ll need a policy that meets minimum-coverage requirements to drive legally in the Sunflower State. But the bare-bones coverage might not suit drivers seeking the more robust financial protection that comes with comprehensive and collision coverage. In addition to a full-coverage policy, you might choose to increase coverage limits for liability insurance to better protect your car.

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

The average price for full-coverage car insurance in Kansas rose to $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Kansas.

See how Kansas car insurance prices have changed over the past two years below.

Average Kansas car insurance rates by city

Rates can vary significantly from city to city and even by ZIP code. Some factors that might push the average rate higher in particular cities include more accidents or a higher rate of vandalism. But cities with less congestion and fewer break-ins might have relatively cheap car insurance.1

The table below highlights the average monthly rate for different Kansas cities.

Average Kansas car insurance rates by age and gender

As drivers age, they build more experience on the road. As a result, insurers consider an older driver less of a risk than a young driver. Since insurers consider newly minted teenage drivers a high risk, teens usually pay more for car insurance than mature drivers.

Additionally, gender plays a role in your rates. Statistically, women are less likely to get into an accident and generally engage in less risky driving behavior compared to men.

The table below shows the average rate by age and gender for auto insurance in Kansas. 

Average cost to insure popular vehicles in Kansas

In Kansas, drivers tend to gravitate toward pickup trucks and smaller SUVs. This makes sense, as the state is largely known for its agricultural economy, where towing and large truck beds come in handy.

The table below highlights the average monthly insurance rates for some of the most popular vehicles on Kansas roads.

How your driving record affects car insurance rates in Kansas 

When determining your insurance premiums, insurers consider your driving record. People with clean driving records generally pay less for car insurance than drivers with a history of traffic violations.

After incurring a violation, like a speeding ticket, at-fault accident, or driving under the influence (DUI), your premiums will likely increase. For example, drivers with a clean record pay $112 per month, on average. Drivers with an incident on their record pay $132, on average.

Below is a table showing the average rates for a sample driver profile with an incident on their record.

How to lower your insurance costs in Kansas

Implementing the following strategies can help you find cheap car insurance in Kansas:

Kansas average car insurance cost FAQs