Kansas Car Insurance Calculator
Calculate your auto insurance cost in Kansas. Compare with state averages and find savings.
$1,567
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$131
Full Coverage
$2,045
Min Coverage
$534
Uninsured Rate
9.4%
Kansas Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredYes ($4,500 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Kansas
Tornado riskPIP requirementRural driving
Major Metro Areas in Kansas
WichitaOverland ParkKansas CityTopekaOlathe
FAQ
Kansas Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Kansas
The average annual car insurance premium in Kansas is $1,567, or about $131 per month. Full coverage averages $2,045 annually, while minimum coverage averages $534. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Kansas requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Kansas also requires Personal Injury Protection (PIP) with a minimum of $4,500.
Key factors affecting Kansas car insurance rates include: Tornado risk, PIP requirement, Rural driving. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 9.4% of drivers in Kansas are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Kansas car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Farm Bureau. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Kansas include: State Farm, GEICO, Farm Bureau, Progressive, Shelter Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
KS Insurance Costs
Average premiums in Kansas:
- Annual Average$1,567
- Monthly Average$131
- Full Coverage$2,045
- Minimum Coverage$534
KS Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate9.4%
Top KS Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Farm Bureau
- •Progressive
- •Shelter Insurance