Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Kansas
Jerry is a free app trusted by 7,483 Kansas drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Kansas car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $381 a month for full coverage. But in Kansas, Jerry drivers pay less:
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$57 to $101 per month for state-mandated minimum coverage.
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$132 to $254 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped Kansans save an average of $876 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help and do the legwork so you can compare quotes and get covered in Kansas in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Kansas have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Kansas sits in the heart of Tornado Alley, and homeowners regularly deal with severe hail, wind damage, and spring flooding. With home insurance rates well above the national average, bundling home and auto insurance is one of the most effective ways to bring your total costs down.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Kansas drivers are paying with Jerry
The easiest way to find the right car insurance is to compare quotes from multiple companies. Whether you’re putting together a new policy, matching what you already have or just looking for the cheapest car insurance in Kansas, shopping around gives you a clearer picture.
That matters in Kansas, where your rate is shaped by everything from Wichita and Kansas City metro commutes to the wide-open highway miles that define much of the state. Tornado season and hailstorms also factor into comprehensive costs in ways that catch some drivers off guard. Jerry works with Kansas drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 9 trusted insurers in the Sunflower State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Kansas drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Kansas
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Kansas car insurance coverage requirements
Kansas drivers are required to buy personal property and bodily injury liability insurance, as well as uninsured motorist coverage and more, in order to legally drive their car. The minimum requirements in this state are:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$25,000 in uninsured/underinsured motorist coverage per person.
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$50,000 in uninsured/underinsured motorist coverage per accident.
Kansas also requires drivers to carry a minimum amount of personal injury protection coverage, including $4,500 in medical expenses per person, $4,500 for rehabilitation expenses, $2,000 for funeral, burial or cremation expenses, $900 per month for one year for disability or loss of income and $25 per day towards substitution benefits, which pay for in-home services that can’t be performed because of an accident-related injury.
PIP also includes survivor benefits of up to $900 per month for disability and loss of income and $25 per day in substitution benefits, both limited to up to one year.
While all of this makes you legal to drive, it won’t protect you against major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering 12% of Kansas drivers are uninsured, it can also be a good choice to increase your uninsured/underinsured motorist (UIM) limits.
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Coverage definitions
Factors affecting Kansas car insurance rates in 2026
Hail and severe storms
Kansas sits right in the heart of the country’s hail corridor, and a single storm can crack windshields and dent every panel on your car. We recommend keeping comprehensive coverage because that’s what pays for hail and wind damage outside of a collision.
Wildlife collisions
Deer strikes are common across Kansas, especially in rural and suburban counties during fall. Comprehensive coverage is typically what pays for animal impacts, so it’s worth keeping if you do any driving outside city centers.
Urban and rural crash patterns
Metro areas like Wichita and Kansas City see more frequent low-speed crashes and theft, while rural highways involve higher speeds and more severe impacts. Either way, consider carrying collision coverage so your car is protected after a crash, even when fault is disputed.
Winter driving and road conditions
Ice, heavy crosswinds and long-distance commutes across open prairie roads can make winter driving unpredictable. We recommend keeping collision coverage active and setting a deductible you can actually afford if you need to file a claim.
High-speed corridors and long response times
Many Kansas roads are built for speed and long stretches between towns. When a crash happens far from a metro area, longer response and tow times can drive up the total cost of a claim, which is one reason insurers price rural driving differently.
Rising repair costs
Even in lower-cost areas, modern vehicles are expensive to fix due to parts, labor and the sensor recalibration modern cars require. If your car is newer or financed, keeping collision and comprehensive coverage helps you avoid getting stuck with a big out-of-pocket bill or a total loss gap.
Average cost of car insurance in major Kansas cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $200 | |
| $187 | |
| $147 | |
| $181 | |
| $163 | |
| $154 | |
| $144 | |
| $188 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Kansas quotes in as little as 2 minutes.
Learn more about driving in Kansas
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Understand how no-fault insurance works in Kansas.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Can I show proof of insurance on my phone in Kansas?
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What happens if I drive without insurance in Kansas?
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Does Kansas require PIP coverage?
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Does Kansas require uninsured motorist coverage?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.