- Average car insurance in Kansas costs $2,450 per year, or $204 per month for full coverage.
- When compared to Midwest states, Kansas car insurance cost ranks ninth out of 12 states and the state ranks 32nd out of all 50 states for overall cheapest rates.
- For cheap car insurance in Kansas, models like the Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision are top picks.
How much is car insurance in Kansas?
Average car insurance in Kansas costs $2,450 per year, or about $204 per month, which is 9.8% more expensive than the national average car insurance cost of $2,221.
The chart below shows average car insurance cost in Kansas for 2021 models, with rates shown for drivers age 20 to 60 and also for three different policy deductible amounts.
As shown in the chart, the average cost of auto insurance ranges from $1,718 per year for a high deductible policy for a 60-year-old driver to $5,730 per year for a low deductible policy for a 20-year-old driver. The same values when converted to monthly cost range from $143 to $478 per month.
The vehicle being insured has a big impact on the cost of car insurance, and the list below shows average rates for some of the more popular vehicles sold in the state of Kansas. Both annual and monthly average cost is included for each model.
Kansas car insurance cost for popular vehicles
- Ford F-150 pickup – $2,738 per year ($228 per month)
- Chevrolet Silverado pickup – $2,708 per year ($226 per month)
- Ram 1500 pickup – $2,832 per year ($236 per month)
- Toyota RAV4 compact SUV – $2,260 per year ($188 per month)
- Honda CR-V compact SUV – $2,086 per year ($174 per month)
- Chevrolet Equinox compact SUV – $2,256 per year ($188 per month)
- Toyota Tacoma midsize pickup – $2,478 per year ($207 per month)
- Honda Accord midsize sedan – $2,366 per year ($197 per month)
- Ford Explorer midsize SUV – $2,222 per year ($185 per month)
- Toyota Camry midsize sedan – $2,630 per year ($219 per month)
The vehicle being insured is just one factor that determines the amount you’ll pay for insurance. Some additional factors that can affect car insurance quotes in Kansas along with some savings tips include:
- Increasing policy deductibles from $100 to $1,000 could save $1,144 or more each year.
- Insuring multiple vehicles on one policy could save $128 or more per year. This is referred to as a multi-car or multi-vehicle discount.
- Bundling your car insurance with the same company that insures your home could save an average of $316 per year.
- Qualifying for many discounts could save as much as $760 per year. These discounts include things like multi-vehicle, multi-policy, safe driver, claim-free, customer loyalty, and others.
- Being a responsible driver can save a lot of money. Just one or two speeding tickets could increase the cost of car insurance in Kansas by $652 for a 40-year-old driver.
- Serious offenses like a DUI or leaving the scene of an accident could raise the cost of insurance by as much as $2,270 per year.
- Having an accident that is determined to be your fault can raise rates by as much as $1,014 each year.
How do Kansas car insurance rates compare?
When compared to surrounding states, average Kansas car insurance rates are 11.3% more expensive than Nebraska, 9.6% cheaper than Missouri, 8.1% cheaper than Oklahoma, and 6% cheaper than Colorado.
The chart below shows how Kansas car insurance cost compares to the rest of the states in the Midwest. Kansas ranks ninth out of the 12 Midwest states.
Although Kansas does have some of the higher car insurance rates in the Midwest, it fares much better when compared to states in other parts of the country since it does rank 32nd out of all 50 states.
Here’s an example that shows how affordable car insurance is in Kansas when compared to some of the more expensive states in the U.S. This example uses a Toyota Camry as the rated vehicle with a 40-year-old male as the rated driver.
Average car insurance on a 2024 Toyota Camry in Kansas costs $2,630 per year. When compared to other states, this rate is:
- $420 per year cheaper than insuring the same vehicle in California ($3,050)
- $332 per year cheaper than in Florida ($2,962)
- $396 per year cheaper than in Nevada ($3,026)
- $328 per year cheaper than in New York ($2,958)
- $72 per year cheaper than in Georgia ($2,516)
Which vehicles have cheap car insurance in Kansas?
When comparing rates for all vehicles, the models with the best car insurance rates in Kansas, tend to be compact SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue.
Average car insurance quotes for those small SUVs cost $166 or less per month for a full coverage policy.
Some additional vehicles that are highly ranked in the cost comparison table are the Nissan Murano, Ford Bronco Sport, Buick Encore, and Honda HR-V.
Average car insurance rates are slightly higher for those models than the crossover SUVs at the top of the list, but they still have average rates of $178 or less per month.
Vehicles that have the cheapest car insurance rates in their respective segments
- Toyota GR Corolla (compact car) at $2,128 per year
- Subaru Crosstrek (compact SUV) at $1,810 per year
- Kia K5 (midsize car) at $2,358 per year
- Honda Passport (midsize SUV) at $1,952 per year
- Chrysler 300 (full-size car) at $2,332 per year
- Chevrolet Tahoe (large SUV) at $2,298 per year
- Chevrolet Colorado (midsize pickup) at $2,158 per year
- Nissan Titan (full-size pickup) at $2,292 per year
- Honda Odyssey (minivan) at $2,236 per year
- Mazda MX-5 Miata (sports car) at $2,266 per year
- Acura Integra (compact luxury car) at $2,178 per year
- Acura RDX (compact luxury SUV) at $2,048 per year
- Mercedes-Benz CLA250 (midsize luxury car) at $2,518 per year
- Jaguar E-Pace (midsize luxury SUV) at $2,290 per year
- Audi A5 (full-size luxury car) at $2,910 per year
- Infiniti QX80 (full-size luxury SUV) at $2,746 per year
The table below ranks the 50 vehicles with the cheapest car insurance quotes in Kansas from all vehicle segments.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,810 | $151 |
| 2 | Chevrolet Trailblazer | $1,840 | $153 |
| 3 | Kia Soul | $1,910 | $159 |
| 4 | Nissan Kicks | $1,928 | $161 |
| 5 | Honda Passport | $1,952 | $163 |
| 6 | Buick Envision | $1,964 | $164 |
| 7 | Toyota Corolla Cross | $1,974 | $165 |
| 8 | Hyundai Venue | $1,992 | $166 |
| 9 | Mazda CX-5 | $1,998 | $167 |
| 10 | Ford Bronco Sport | $2,004 | $167 |
| 11 | Volkswagen Tiguan | $2,028 | $169 |
| 12 | Acura RDX | $2,048 | $171 |
| 13 | Nissan Murano | $2,056 | $171 |
| 14 | Buick Encore | $2,078 | $173 |
| 15 | Honda CR-V | $2,086 | $174 |
| 16 | Subaru Outback | $2,086 | $174 |
| 17 | Buick Envista | $2,094 | $175 |
| 18 | Volkswagen Taos | $2,098 | $175 |
| 19 | Kia Niro | $2,106 | $176 |
| 20 | Toyota GR Corolla | $2,128 | $177 |
| 21 | Honda HR-V | $2,132 | $178 |
| 22 | Subaru Ascent | $2,132 | $178 |
| 23 | Nissan Leaf | $2,146 | $179 |
| 24 | Chevrolet Colorado | $2,158 | $180 |
| 25 | Lexus NX 250 | $2,168 | $181 |
| 26 | Honda Civic | $2,170 | $181 |
| 27 | Volkswagen Atlas | $2,172 | $181 |
| 28 | Acura Integra | $2,178 | $182 |
| 29 | Subaru Forester | $2,180 | $182 |
| 30 | Volkswagen Atlas Cross Sport | $2,182 | $182 |
| 31 | Kia Seltos | $2,188 | $182 |
| 32 | GMC Terrain | $2,192 | $183 |
| 33 | Nissan Rogue | $2,200 | $183 |
| 34 | Hyundai Kona | $2,204 | $184 |
| 35 | Mazda CX-30 | $2,208 | $184 |
| 36 | Cadillac XT4 | $2,210 | $184 |
| 37 | Volkswagen ID4 | $2,220 | $185 |
| 38 | Ford Explorer | $2,222 | $185 |
| 39 | Toyota Highlander | $2,228 | $186 |
| 40 | Ford Escape | $2,234 | $186 |
| 41 | Toyota Venza | $2,234 | $186 |
| 42 | Honda Odyssey | $2,236 | $186 |
| 43 | Nissan Sentra | $2,242 | $187 |
| 44 | Subaru Impreza | $2,250 | $188 |
| 45 | Chevrolet Equinox | $2,256 | $188 |
| 46 | Toyota RAV4 | $2,260 | $188 |
| 47 | Mazda MX-5 Miata | $2,266 | $189 |
| 48 | Mazda MX-30 | $2,272 | $189 |
| 49 | Hyundai Tucson | $2,276 | $190 |
| 50 | Chevrolet Traverse | $2,286 | $191 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas Zip Codes. Updated June 27, 2025
Average rates for cities in Kansas
Average car insurance rates are shown below for some of the larger cities in the state of Kansas. Feel free to visit any page for additional rates including segment cost comparisons and the vehicles with the cheapest auto insurance quotes in each city.
- Wichita Car Insurance - $2,554 per year or $213 per month
- Overland Park Car Insurance - $2,368 per year or $197 per month
- Kansas City Car Insurance - $2,736 per year or $228 per month
- Topeka Car Insurance - $2,382 per year or $199 per month
- Olathe Car Insurance - $2,354 per year or $196 per month
- Lawrence Car Insurance - $2,338 per year or $195 per month
- Shawnee Car Insurance - $2,358 per year or $197 per month