Kansas Car Insurance Cost for 2023

Which vehicles have the cheapest car insurance in Kansas? We break down average rates, compare them to other states, and find the overall cheapest models to insure.

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How much is car insurance in Kansas?

Average car insurance in Kansas costs $1,738 per year, or about $145 per month, which is 3.1% more expensive than the national average car insurance cost of $1,685.

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.

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Chart Data Details: Chart shows average Kansas car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Kansas zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Kansas
Average Car Insurance Cost in Kansas
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,926$244
$500$3,456$288
$250$4,016$335
30$1,000$1,532$128
$500$1,830$153
$250$2,138$178
40$1,000$1,468$122
$500$1,738$145
$250$2,020$168
50$1,000$1,340$112
$500$1,582$132
$250$1,836$153
60$1,000$1,314$110
$500$1,552$129
$250$1,802$150

As shown in the chart, the average cost of auto insurance ranges from $1,314 per year for a high deductible policy for a 60-year-old driver to $4,016 per year for a low deductible policy for a 20-year-old driver. The same values when converted to monthly cost range from $110 to $335 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

  1. Ford F-150 pickup – $1,768 per year ($147 per month)
  2. Chevrolet Silverado pickup – $1,900 per year ($158 per month)
  3. Ram 1500 pickup – $1,900 per year ($158 per month)
  4. Toyota RAV4 compact SUV – $1,610 per year ($134 per month)
  5. Honda CR-V compact SUV – $1,474 per year ($123 per month)
  6. Chevrolet Equinox compact SUV – $1,564 per year ($130 per month)
  7. Toyota Tacoma midsize pickup – $1,588 per year ($132 per month)
  8. Honda Accord midsize sedan – $1,756 per year ($146 per month)
  9. Ford Explorer midsize SUV – $1,482 per year ($124 per month)
  10. Toyota Camry midsize sedan – $1,652 per year ($138 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 $798 or more each year.
  • Insuring multiple vehicles on one policy could save $92 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 $224 per year.
  • Qualifying for many discounts could save as much as $542 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 $452 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 $1,596 per year.
  • Having an accident that is determined to be your fault can raise rates by as much as $712 each year.

How do Kansas car insurance rates compare?

When compared to surrounding states, average Kansas car insurance rates are 17.9% more expensive than Nebraska, 12.7% cheaper than Missouri, 10.8% cheaper than Oklahoma, and 8.1% 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.

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Kansas Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Kansas Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Iowa$1,180-$558
Ohio$1,230-$508
Wisconsin$1,260-$478
Indiana$1,318-$420
North Dakota$1,462-$276
Nebraska$1,474-$264
Minnesota$1,512-$226
Illinois$1,546-$192
Kansas$1,738--
South Dakota$1,812$74
Missouri$1,990$252
Michigan$2,414$676

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 2023 Toyota Camry in Kansas costs $1,652 per year. When compared to other states, this rate is:

  • $374 per year cheaper than insuring the same vehicle in California ($2,026)
  • $438 per year cheaper than in Florida ($2,090)
  • $352 per year cheaper than in Nevada ($2,004)
  • $292 per year cheaper than in New York ($1,944)
  • $58 per year cheaper than in Georgia ($1,678)

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 Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision.

Average car insurance quotes for those small SUVs cost $116 or less per month for a full coverage policy.

Some additional vehicles that are highly ranked in the cost comparison table are the Ford Maverick, Subaru Ascent, Honda HR-V, and Honda CR-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 $123 or less per month.

Vehicles that have the cheapest car insurance rates in their respective segments

  • Subaru Impreza (compact car) at $1,438 per year
  • Chevrolet Trailblazer (compact SUV) at $1,316 per year
  • Subaru Legacy (midsize car) at $1,602 per year
  • Honda Passport (midsize SUV) at $1,352 per year
  • Chrysler 300 (full-size car) at $1,694 per year
  • Chevrolet Tahoe (large SUV) at $1,628 per year
  • Ford Maverick (midsize pickup) at $1,442 per year
  • Nissan Titan (full-size pickup) at $1,720 per year
  • Honda Odyssey (minivan) at $1,588 per year
  • Mazda MX-5 Miata (sports car) at $1,606 per year
  • Acura Integra (compact luxury car) at $1,562 per year
  • Acura RDX (compact luxury SUV) at $1,450 per year
  • Cadillac CT5 (midsize luxury car) at $1,870 per year
  • Lexus RX 350 (midsize luxury SUV) at $1,556 per year
  • Audi A5 (full-size luxury car) at $1,950 per year
  • Volvo XC90 (full-size luxury SUV) at $1,794 per year

The table below ranks the 50 vehicles with the cheapest car insurance quotes in Kansas from all vehicle segments.

Top 50 Vehicles with Cheap Car Insurance in Kansas
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,316$110
2Subaru Crosstrek$1,326$111
3Nissan Kicks$1,334$111
4Honda Passport$1,352$113
5Nissan Rogue Sport$1,356$113
6Mazda CX-5$1,366$114
7Buick Encore$1,386$116
8Buick Envision$1,388$116
9Kia Seltos$1,408$117
10Subaru Ascent$1,414$118
11Hyundai Venue$1,418$118
12Subaru Impreza$1,438$120
13Ford Maverick$1,442$120
14Honda HR-V$1,444$120
15Chevrolet Colorado$1,446$121
16Acura RDX$1,450$121
17Hyundai Kona$1,458$122
18Subaru Forester$1,468$122
19Ford Edge$1,472$123
20Honda CR-V$1,474$123
21Mazda CX-30$1,478$123
22Ford Explorer$1,482$124
23Volkswagen Atlas$1,482$124
24Chevrolet Trax$1,492$124
25Nissan Murano$1,494$125
26Subaru Outback$1,494$125
27Nissan Frontier$1,498$125
28Volkswagen Tiguan$1,510$126
29Ford Bronco Sport$1,514$126
30Fiat 500X$1,540$128
31Ford Ranger$1,542$129
32GMC Terrain$1,544$129
33Kia Soul$1,548$129
34Mitsubishi Eclipse Cross$1,550$129
35Volkswagen Atlas Cross Sport$1,554$130
36Lexus RX 350$1,556$130
37Acura Integra$1,562$130
38Chevrolet Equinox$1,564$130
39Cadillac XT4$1,570$131
40Toyota Corolla Cross$1,570$131
41Volkswagen Taos$1,574$131
42GMC Canyon$1,578$132
43Toyota Venza$1,584$132
44Mazda CX-50$1,586$132
45Honda Odyssey$1,588$132
46Toyota Tacoma$1,588$132
47Volkswagen Jetta$1,588$132
48Hyundai Tucson$1,590$133
49Ford Escape$1,592$133
50Kia Sorento$1,596$133

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas.Data last updated on December 30, 2022
    Top 50 Vehicles with Cheap Car Insurance in Kansas

    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.