Kansas Car Insurance Quotes & Average Rates
Full coverage car insurance in Kansas is estimated at $2,004 a year, or $167 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $567 a year. Kansas is a no-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 25 Kansas cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Kansas
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Kansas
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,523 | $127 | -24% | Military members and families only |
| Geico | $1,643 | $137 | -18% | Usually cheapest for clean records |
| State Farm | $1,764 | $147 | -12% | Strong for young and student drivers |
| Progressive | $1,904 | $159 | -5% | Competitive after a ticket or accident |
| Travelers | $1,944 | $162 | -3% | Good multi-policy discounts |
| Nationwide | $2,004 | $167 | 0% | Mid-market, wide availability |
| Allstate | $2,285 | $190 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,425 | $202 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Kansas. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Kansas car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,413 | $1,532 | $451 |
| 18 years old | $4,566 | $1,292 | $381 |
| 20 years old | $3,781 | $1,070 | $315 |
| 22 years old | $3,140 | $889 | $262 |
| 25 years old | $2,397 | $678 | $200 |
| 30 years old | $2,066 | $585 | $172 |
| 40 years old | $1,942 | $549 | $162 |
| 50 years old | $1,859 | $526 | $155 |
| 60 years old | $1,839 | $520 | $153 |
| 65 years old | $1,921 | $544 | $160 |
| 70 years old | $2,107 | $596 | $176 |
| 75 years old | $2,459 | $696 | $205 |
Estimated premiums by age in Kansas, clean record, sedan.
How violations change your Kansas premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,004 | — |
| 1 speeding ticket | $2,465 | +23% |
| 1 at-fault accident | $2,946 | +47% |
| DUI / DWI | $3,788 | +89% |
What a violation costs a 35-year-old in Kansas. Surcharges normally stay on the policy for three to five years.
A DUI in Kansas usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Kansas minimum insurance requirements
| Required coverage in Kansas | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| PIP | Required |
| Uninsured motorist 25/50 | Required |
| Insurance system | No-fault |
Limits are set by statute and change from time to time. Confirm the current figures with the Kansas Department of Insurance before you buy.
Coverage levels in Kansas
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $567 | $47 |
| Full coverage (100/300/100 + comp & collision) | $2,004 | $167 |
| Full coverage, high limits + low deductible | $2,385 | $199 |
Coverage level comparison for Kansas.
Car insurance rates in Kansas cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 25 Kansas cities we price.