Compare car insurance quotes in Kansas
Jerry is a free app trusted by 7,224 Kansas drivers that compares insurance quotes from top carriers.
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Average Kansas car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Kansas, Jerry drivers pay less:
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$57 to $100 per month for state-mandated minimum coverage.
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$134 to $260 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 $888 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
One of the best ways to save on home insurance in Kansas is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Kansas drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Kansas that you can find.
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 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 this makes you legal to drive, it won’t protect you against many 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 might 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 wind storms
Kansas sits in a major hail corridor, and severe storms can cause costly damage to roofs, windshields, and body panels. Comprehensive coverage is typically what protects you from storm-related vehicle damage.
Wildlife collisions
Deer strikes are common statewide, especially in rural and suburban counties. Animal collisions usually fall under comprehensive coverage, so it’s worth confirming you have it if you do a lot of driving outside city centers.
Urban vs rural crash severity
Metro areas tend to see more frequent low-speed crashes and theft risk, while rural highways often involve higher speeds and more severe impacts. Either way, collision coverage matters because it protects your vehicle after an at-fault crash.
Road conditions and winter driving
Winter ice, heavy winds, and long-distance commutes across open roads can increase crash risk. A practical approach is full coverage with deductibles you can actually afford to pay if weather turns a routine drive into a claim.
High-speed corridors and long response times
Many Kansas roads are built for speed and long stretches of driving. When a crash happens far from a metro area, longer response and tow times can increase the total cost of a claim, which is one reason insurers price rural driving differently.
Repair costs and total-loss risk
Even in lower-cost areas, modern vehicles are expensive to repair due to parts, labor, and calibration needs after a crash. If your car is newer or financed, keeping collision and comprehensive can help you avoid getting stuck with a big out-of-pocket repair 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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City
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Average monthly cost
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|---|---|
| $200 | |
| $187 | |
| $148 | |
| $181 | |
| $161 | |
| $156 | |
| $186 | |
| $146 |
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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Learn about personal injury protection (PIP) insurance.
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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.
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Learn about uninsured motorist coverage and why it matters.
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 personal injury protection (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.