- Average car insurance in Kansas costs $2,494 per year, or $208 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 $2,494 per year, or about $208 per month, which is 9.1% more expensive than the national average car insurance cost of $2,276.
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 $1,748 per year for a high deductible policy for a 60-year-old driver to $5,832 per year for a low deductible policy for a 20-year-old driver. The same values when converted to monthly cost range from $146 to $486 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 – $2,790 per year ($233 per month)
- Chevrolet Silverado pickup – $2,756 per year ($230 per month)
- Ram 1500 pickup – $2,882 per year ($240 per month)
- Toyota RAV4 compact SUV – $2,300 per year ($192 per month)
- Honda CR-V compact SUV – $2,124 per year ($177 per month)
- Chevrolet Equinox compact SUV – $2,296 per year ($191 per month)
- Toyota Tacoma midsize pickup – $2,524 per year ($210 per month)
- Honda Accord midsize sedan – $2,406 per year ($201 per month)
- Ford Explorer midsize SUV – $2,262 per year ($189 per month)
- Toyota Camry midsize sedan – $2,680 per year ($223 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 $1,166 or more each year.
- Insuring multiple vehicles on one policy could save $132 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 $322 per year.
- Qualifying for many discounts could save as much as $778 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 $662 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 $2,314 per year.
- Having an accident that is determined to be your fault can raise rates by as much as $1,036 each year.
How do Kansas car insurance rates compare?
When compared to surrounding states, average Kansas car insurance rates are 11% more expensive than Nebraska, 9.5% cheaper than Missouri, 7.9% cheaper than Oklahoma, and 5.8% 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 $2,680 per year. When compared to other states, this rate is:
- $420 per year cheaper than insuring the same vehicle in California ($3,100)
- $318 per year cheaper than in Florida ($2,998)
- $394 per year cheaper than in Nevada ($3,074)
- $322 per year cheaper than in New York ($3,002)
- $70 per year cheaper than in Georgia ($2,578)
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 $169 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 Toyota GR Corolla.
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 $180 or less per month.
Vehicles that have the cheapest car insurance rates in their respective segments
- Toyota GR Corolla (compact car) at $2,164 per year
- Subaru Crosstrek (compact SUV) at $1,840 per year
- Kia K5 (midsize car) at $2,402 per year
- Honda Passport (midsize SUV) at $1,986 per year
- Chrysler 300 (full-size car) at $2,374 per year
- Chevrolet Tahoe (large SUV) at $2,340 per year
- Chevrolet Colorado (midsize pickup) at $2,194 per year
- Nissan Titan (full-size pickup) at $2,330 per year
- Honda Odyssey (minivan) at $2,276 per year
- Mazda MX-5 Miata (sports car) at $2,306 per year
- Acura Integra (compact luxury car) at $2,216 per year
- Acura RDX (compact luxury SUV) at $2,084 per year
- Mercedes-Benz CLA250 (midsize luxury car) at $2,564 per year
- Jaguar E-Pace (midsize luxury SUV) at $2,328 per year
- Audi A5 (full-size luxury car) at $2,962 per year
- Infiniti QX80 (full-size luxury SUV) at $2,794 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 | $1,840 | $153 |
| 2 | Chevrolet Trailblazer | $1,874 | $156 |
| 3 | Kia Soul | $1,946 | $162 |
| 4 | Nissan Kicks | $1,962 | $164 |
| 5 | Honda Passport | $1,986 | $166 |
| 6 | Buick Envision | $1,996 | $166 |
| 7 | Toyota Corolla Cross | $2,008 | $167 |
| 8 | Hyundai Venue | $2,024 | $169 |
| 9 | Mazda CX-5 | $2,032 | $169 |
| 10 | Ford Bronco Sport | $2,042 | $170 |
| 11 | Volkswagen Tiguan | $2,062 | $172 |
| 12 | Acura RDX | $2,084 | $174 |
| 13 | Nissan Murano | $2,092 | $174 |
| 14 | Buick Encore | $2,116 | $176 |
| 15 | Subaru Outback | $2,122 | $177 |
| 16 | Honda CR-V | $2,124 | $177 |
| 17 | Buick Envista | $2,132 | $178 |
| 18 | Volkswagen Taos | $2,134 | $178 |
| 19 | Kia Niro | $2,146 | $179 |
| 20 | Toyota GR Corolla | $2,164 | $180 |
| 21 | Honda HR-V | $2,170 | $181 |
| 22 | Subaru Ascent | $2,170 | $181 |
| 23 | Nissan Leaf | $2,184 | $182 |
| 24 | Chevrolet Colorado | $2,194 | $183 |
| 25 | Lexus NX 250 | $2,204 | $184 |
| 26 | Honda Civic | $2,206 | $184 |
| 27 | Volkswagen Atlas | $2,210 | $184 |
| 28 | Acura Integra | $2,216 | $185 |
| 29 | Subaru Forester | $2,216 | $185 |
| 30 | Volkswagen Atlas Cross Sport | $2,220 | $185 |
| 31 | Kia Seltos | $2,228 | $186 |
| 32 | GMC Terrain | $2,230 | $186 |
| 33 | Nissan Rogue | $2,240 | $187 |
| 34 | Hyundai Kona | $2,244 | $187 |
| 35 | Mazda CX-30 | $2,248 | $187 |
| 36 | Cadillac XT4 | $2,250 | $188 |
| 37 | Volkswagen ID4 | $2,260 | $188 |
| 38 | Ford Explorer | $2,262 | $189 |
| 39 | Toyota Highlander | $2,268 | $189 |
| 40 | Toyota Venza | $2,272 | $189 |
| 41 | Ford Escape | $2,274 | $190 |
| 42 | Honda Odyssey | $2,276 | $190 |
| 43 | Nissan Sentra | $2,284 | $190 |
| 44 | Subaru Impreza | $2,292 | $191 |
| 45 | Chevrolet Equinox | $2,296 | $191 |
| 46 | Toyota RAV4 | $2,300 | $192 |
| 47 | Mazda MX-5 Miata | $2,306 | $192 |
| 48 | Mazda MX-30 | $2,314 | $193 |
| 49 | Hyundai Tucson | $2,316 | $193 |
| 50 | Chevrolet Traverse | $2,326 | $194 |
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 October 24, 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 - $2,594 per year or $216 per month
- Overland Park Car Insurance - $2,410 per year or $201 per month
- Kansas City Car Insurance - $2,780 per year or $232 per month
- Topeka Car Insurance - $2,424 per year or $202 per month
- Olathe Car Insurance - $2,398 per year or $200 per month
- Lawrence Car Insurance - $2,382 per year or $199 per month
- Shawnee Car Insurance - $2,402 per year or $200 per month