Key Takeaways
- Kansas requires you to have $25,000/$50,000/$25,000 liability and $25,000/$50,000 for UM/UIM coverage.
- Kansas is a no-fault state, requiring drivers to carry personal injury protection (PIP) coverage.
- The cheapest quote for a 20-year-old Kansan is over twice as expensive as a quote for a 36 and 65 year old driver.
The average cost of car insurance continues to rise in Kansas, and across the nation. Finding cheap auto insurance nowadays can be hard, but it’s possible to save on your policy by shopping for quotes from multiple insurers.
As a baseline, the average full coverage insurance cost in Kansas is $266 per month. That’s 24% lower than the national average of $340.
To find the best car insurance in Kansas, compare car insurance quotes from multiple insurers.
Keep in mind that the state’s minimum coverage is around $120 annually, according to a Jerry analysis, and that Kansas law requires drivers to have auto insurance with a liability minimum of $25,000/$50,000/$25,000.
Let’s break these requirements down.
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured/underinsured motorist coverage per person.
- $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.
Cheapest minimum coverage insurance in Kansas
Kansans need to shop around to get the best car insurance prices and generally you’ll pay the lowest prices if you only opt for state minimum coverage. In Kansas, minimum liability insurance gives drivers a basic way to stay compliant without overspending. This kind of plan helps cover the costs if you injure someone or cause property damage in an accident, but it won’t repair your own vehicle. It’s ideal for those who want to meet legal standards while keeping their expenses in check.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $88 | $1,056 |
| Progressive | $103 | $1,233 |
| Bristol West | $113 | $1,353 |
| Dairyland | $113 | $1,354 |
| ROOT | $137 | $1,646 |
| The General | $141 | $1,686 |
| National General | $152 | $1,829 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Kansas
For greater protection, you might want to consider getting full coverage. Looking for affordable full coverage auto insurance in Kansas means prioritizing both cost and coverage quality. Full coverage typically combines liability, collision, and comprehensive insurance — offering protection from things like accidents, vandalism, hailstorms or theft — so you’re not financially exposed if your car is damaged or totaled. While this option is more expensive than the minimum legally required, it’s important if your car has a high replacement value.
Check out the car insurance quotes for full coverage in Kansas Jerry customers have received:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $112 | $1,345 |
| Progressive | $224 | $2,683 |
| ROOT | $226 | $2,714 |
| Safeco | $238 | $2,860 |
| Embark General | $243 | $2,916 |
| Dairyland | $305 | $3,655 |
| National General | $307 | $3,684 |
| Bristol West | $323 | $3,878 |
| The General | $347 | $4,169 |
| Electric | $432 | $5,188 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Kansas
In Kansas, age and inexperience often translate into more expensive insurance premiums for young drivers. Providers tend to assume newer drivers are more likely to make costly errors on the road. Even a spotless record doesn't always offset that assumption but younger drivers may benefit from comparison shopping and policies that reward academic performance or safe driving behavior.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $291 | $3,490 |
| 21-24 | $255 | $3,056 |
Cheapest liability-only policy in Kansas for a 20 year old
In Kansas, a 20-year-old might opt for liability-only coverage as a financially efficient way to stay insured. Full protection can feel excessive when driving a modest car and liability plans are lean, legal and easier on the wallet for young adults just starting out.
Based on our data, here are the cheapest rates for a 20-year-old in Kansas for liability-only coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| ROOT | 20 | $176 | $2,116 |
| Dairyland | 20 | $180 | $2,161 |
| Progressive | 20 | $207 | $2,484 |
| Bristol West | 20 | $269 | $3,228 |
| The General | 20 | $324 | $3,889 |
Cheapest full coverage policy in Kansas for a 20 year old
In Kansas, a 20-year-old might select full coverage to help with repair costs after storms or collisions. Full coverage protects their investment in a car they may rely on every day and it’s a safeguard that supports long-term financial health.
Here are the cheapest insurers and their rates for a 20-year-old in Kansas for full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| ROOT | 20 | $330 | $3,959 |
| Progressive | 20 | $341 | $4,094 |
| Dairyland | 20 | $361 | $4,334 |
| Bristol West | 20 | $467 | $5,603 |
| The General | 20 | $536 | $6,431 |
| National General | 20 | $920 | $11,045 |
Average car insurance for mature drivers in Kansas (25-54 years old)
Kansas drivers with a track record of responsible driving are often rewarded with lower insurance costs. Time spent navigating both city streets and open highways hones safe practices and insurers recognize this as a sign of reduced accident potential. That trust is reflected in better policy pricing for experienced motorists.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $220 | $2,635 |
| 35-44 | $183 | $2,196 |
| 45-54 | $167 | $2,007 |
Cheapest liability-only policy in Kansas for a 36 year old
The average Jerry customer is 36 years old. A 36-year-old in Kansas may stick with liability-only coverage if they drive an older vehicle that doesn’t merit higher insurance costs. Minimal coverage meets legal standards while keeping premiums in check.
Check out the cheapest policies for a 36-year-old Kansan with a liability-only policy:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 36 | $83 | $991 |
| Bristol West | 36 | $87 | $1,040 |
| Dairyland | 36 | $93 | $1,116 |
| The General | 36 | $115 | $1,382 |
| National General | 36 | $148 | $1,770 |
Cheapest full coverage policy in Kansas for a 36 year old
A 36-year-old in Kansas might opt for full coverage auto insurance if they drive often, have a high-value car or have a lease on their vehicle. Weather can change quickly in the Plains, making comprehensive protection a valuable safety net and it’s a strategic choice for those wanting to avoid costly setbacks.
If you're a 36-year-old Kansan looking for full coverage, these rates reflect the cheapest quotes Jerry customers have received:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 36 | $214 | $2,573 |
| ROOT | 36 | $222 | $2,664 |
| National General | 36 | $257 | $3,086 |
| The General | 36 | $274 | $3,287 |
| Safeco | 36 | $281 | $3,372 |
| Dairyland | 36 | $300 | $3,594 |
| Bristol West | 36 | $302 | $3,628 |
Average car insurance for older drivers (55+ years old)
In Kansas, drivers 55 and older might notice higher auto insurance premiums as insurers weigh the effects of aging. These age-related shifts prompt providers to reevaluate policy pricing as it’s a gradual adjustment, rooted in statistical risk over time.
Cheapest liability-only policy in Kansas for a 65 year old
Kansas seniors may lean toward liability-only insurance if their travel is mostly limited to town and familiar highways. With reduced driving needs, full coverage often feels excessive. This simpler policy helps keep costs manageable without sacrificing legal protection.
Check out the cheapest liability-only policy for Kansans who are 65 years old.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Bristol West | 65 | $56 | $677 |
| Progressive | 65 | $60 | $717 |
| Dairyland | 65 | $70 | $834 |
| ROOT | 65 | $87 | $1,042 |
| The General | 65 | $89 | $1,062 |
Cheapest full coverage policy in Kansas for a 65 year old
Kansas drivers 65 and older might choose full coverage insurance to protect their vehicles from collisions and weather damage common in the region. Financial security is a priority during retirement years and many seniors rely on their cars for errands and family visits, appreciating the reassurance that comprehensive coverage offers.
A 65-year-old Kansan looking for full coverage might want to get quotes from different insurers as the cheapest insurer for a liability-only policy isn't always the cheapest insurer for full coverage.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Bristol West | 65 | $103 | $1,234 |
Average car insurance for drivers with clean records in Kansas
In Kansas, your driving record is one of the primary tools insurance companies use to evaluate your risk level. Frequent problems like tickets or accidents suggest you're more likely to file claims. This information directly shapes what policies are available to you.
Here's the average quote that our customers in Kansas pay when they have a no violations or claims.
|
State
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| KS | $176 | $2,115 |
Insurers that provide the lowest average monthly quote for Kansans with a clean record include the following:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
State
|
|---|---|---|---|
| Progressive | $145 | $1,743 | KS |
| Safeco | $168 | $2,019 | KS |
| Dairyland | $173 | $2,079 | KS |
| ROOT | $173 | $2,080 | KS |
| Bristol West | $175 | $2,099 | KS |
| The General | $216 | $2,592 | KS |
| National General | $217 | $2,600 | KS |
| Gainsco | $223 | $2,670 | KS |
| Embark General | $243 | $2,916 | KS |
Average car insurance for drivers with low credit scores in Kansas
In Kansas, insurers may consider credit scores to assess the financial behavior of drivers. A lower score could suggest higher risk in the eyes of some companies. This might affect pricing or policy availability.
If you have a low credit score, these companies will often give you the best rates:
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | <550 | $157 | $1,879 |
| Safeco | <550 | $186 | $2,234 |
| Dairyland | <550 | $192 | $2,301 |
| National General | <550 | $205 | $2,466 |
| ROOT | <550 | $206 | $2,477 |
Cheapest car insurance for drivers with at-fault accidents in Kansas
An accident will cause your average monthly quotes to rise, as you can see below:
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Not At Fault | $220 | $2,639 |
| At Fault With No Injury | $246 | $2,953 |
| At Fault With Injury | $211 | $2,537 |
Cheapest car insurance for drivers with at-fault accidents with no injury in Kansas
In Kansas, being at fault in an accident that causes damage but no injuries can still influence your insurance terms. It points to a situation where caution was not maintained and the cost of repairs and the filing of claims are taken seriously.
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Commonwealth Insurance | At Fault With No Injury | $98 | $1,172 |
| Assurance America | At Fault With No Injury | $112 | $1,345 |
| Progressive | At Fault With No Injury | $204 | $2,447 |
| ROOT | At Fault With No Injury | $220 | $2,638 |
| Dairyland | At Fault With No Injury | $233 | $2,791 |
Cheapest car insurance for drivers with at-fault accidents with injury in Kansas
When an accident in Kansas leads to injury and you're at fault, insurance companies are likely to update your policy terms. These events are seen as high risk and expensive and insurers often respond with adjustments to rates and coverage.
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | At Fault With Injury | $121 | $1,458 |
| National General | At Fault With Injury | $159 | $1,904 |
| Bristol West | At Fault With Injury | $319 | $3,822 |
| Progressive | At Fault With Injury | $416 | $4,994 |
Cheapest car insurance for drivers with a speeding ticket in Kansas
Speeding is expensive because it will cause your insurance quotes to rise. Kansans who have a speeding ticket over 15mph would see an even larger increase in their auto insurance prices:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Speeding under 15 | $229 | $2,747 |
| Speeding over 15 | $236 | $2,829 |
Nonetheless, shopping around can help you reduce the cost of getting auto insurance even if you have a speeding ticket:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $181 | $2,175 |
| ROOT | $193 | $2,319 |
| Progressive | $194 | $2,328 |
| Dairyland | $223 | $2,678 |
| Bristol West | $229 | $2,754 |
| National General | $270 | $3,237 |
| The General | $338 | $4,060 |
Cheapest car insurance for drivers with a DUI in Kansas
A DUI in Kansas is considered a major offense that has lasting effects on your insurance profile. It shows a high level of risk-taking that insurers want to avoid and you may face limited policy options and higher costs. The repercussions of a DUI often extend for several years.
Getting a DUI in Kansas could cause your insurance rates to rise by a few hundred dollars a year, on average:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| DUI | $224 | $2,693 |
If you want to keep your auto insurance rates low with a DUI on your record, consider shopping around for the lowest rates:
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $156 | $1,868 |
| Progressive | $172 | $2,061 |
| Bristol West | $207 | $2,486 |
| ROOT | $260 | $3,118 |
| The General | $262 | $3,148 |
| National General | $272 | $3,268 |
Average Car Insurance for Drivers with Other Violations in Kansas
Other driving violations in Kansas, like careless driving or failing to follow road rules, can influence your insurance prices. These actions are recorded and contribute to your overall risk score and insurers may be less willing to provide flexible plans.
Other violations and citations will cause different increases in auto insurance costs:
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $131 | $1,572 |
| Driving on Sus. License | $138 | $1,656 |
| Eluding Police | $104 | $1,251 |
| Failure to Obey Traffic Sign | $179 | $2,149 |
| Illegal Turn | $170 | $2,039 |
| Improper Passing | $546 | $6,556 |
| Leaving scene of an Accident/Hit and Run | $91 | $1,096 |
| Open Container | $484 | $5,811 |
| Other | $259 | $3,109 |
| Suspension | $201 | $2,412 |
Is Kansas a no-fault state?
Kansas is a no-fault state that requires drivers to carry personal injury protection (PIP), which helps cover medical expenses and lost wages regardless of who is found at fault in an accident.
Kansas’ PIP requirements don’t have maximum coverage limits but do specify the minimum coverage for different benefits. Those minimums are:
- Medical expenses: $4,500 per person per accident.
- Rehabilitation expenses: $4,500 per person.
- Lost wages: $900 monthly for up to 12 months.
- In-home services: $25 daily for up to 365 days.
- Survivor death benefits: $2,000 for funeral expenses and potentially the pay of lost wages per surviving dependents.
Drivers can purchase PIP insurance with higher limits if they desire to have more coverage than Kansas’ minimum.
Find full coverage auto insurance in Kansas
The minimum state requirements may not provide adequate protection in a severe crash, as medical bills, repairs and parts are all increasing in expense.
While having minimum coverage costs less than full coverage premiums, you may pay more down the line if you cause and are found responsible for an accident. The other party or parties can file a lawsuit against you and your assets if their bills related to the accident exceed your policy’s limit.
Full coverage car insurance in Kansas includes both comprehensive coverage and collision coverage, which tend to have deductibles.
- Comprehensive coverage helps pay for damages that are not caused by a collision with another vehicle such as theft, vandalism, fire and severe weather.
- Collision coverage helps pay for repairs related to a crash with another car or cars.
Tips for lowering your car insurance in Kansas
Drivers in Kansas can take several steps to reduce your auto insurance premiums:
- Shopping for car insurance from multiple insurers to find the best option.
- Maintain a safe driving record.
- Bundle home and auto insurance from the same company.
- Pay your policy in full.
- Choose higher deductibles to lower the monthly premium cost.
- Take a defensive driving course to potentially earn a discount.
Overall, the best way to save on your rate is to shop around throughout the year. Rates will increase even if you stay with the same insurance company, so it’s in your best interest to compare quotes from multiple insurers.
You can avoid doing this taxing research on your own by using the Jerry app. As a licensed broker, Jerry will help you compare quotes across all carriers we serve, all in one place without giving out your personal information.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Andrea Richard is a writer and editor with nearly 15 years of experience crafting content for a variety of industries. In writing for Jerry, Andrea’s mission is to deliver relatable and informative content so readers can better understand the costs associated with car ownership and car leasing. A native Floridian and a road trip enthusiast, Andrea first learned to drive on a Honda Accord when CDs were still a thing. She has served on the Society of Professional Journalists Florida board of directors and volunteers as a judge for national journalism contests. Her work has earned several awards for feature writing, investigative reporting and branded content campaigns.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
