- Average car insurance in Kansas costs $1,776 per year, or $148 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 Chevrolet Trailblazer, Subaru Crosstrek, Nissan Rogue Sport, and Mazda CX-5 are top picks.
How much is car insurance in Kansas?
Average car insurance in Kansas costs $1,776 per year, or about $148 per month, which is 2.7% more expensive than the national average car insurance cost of $1,728.
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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
As shown in the chart, the average cost of auto insurance ranges from $1,344 per year for a high deductible policy for a 60-year-old driver to $4,104 per year for a low deductible policy for a 20-year-old driver. The same values when converted to monthly cost range from $112 to $342 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 – $1,804 per year ($150 per month)
- Chevrolet Silverado pickup – $1,944 per year ($162 per month)
- Ram 1500 pickup – $1,940 per year ($162 per month)
- Toyota RAV4 compact SUV – $1,642 per year ($137 per month)
- Honda CR-V compact SUV – $1,504 per year ($125 per month)
- Chevrolet Equinox compact SUV – $1,596 per year ($133 per month)
- Toyota Tacoma midsize pickup – $1,622 per year ($135 per month)
- Honda Accord midsize sedan – $1,794 per year ($150 per month)
- Ford Explorer midsize SUV – $1,512 per year ($126 per month)
- Toyota Camry midsize sedan – $1,688 per year ($141 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 $818 or more each year.
- Insuring multiple vehicles on one policy could save $94 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 $230 per year.
- Qualifying for many discounts could save as much as $552 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 $468 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 $1,634 per year.
- Having an accident that is determined to be your fault can raise rates by as much as $730 each year.
How do Kansas car insurance rates compare?
When compared to surrounding states, average Kansas car insurance rates are 16.1% more expensive than Nebraska, 13.3% cheaper than Missouri, 11.1% cheaper than Oklahoma, and 8.3% 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.
|Midwest Region States||Average Insurance Cost||Annual Difference|
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 $1,688 per year. When compared to other states, this rate is:
- $378 per year cheaper than insuring the same vehicle in California ($2,066)
- $428 per year cheaper than in Florida ($2,116)
- $354 per year cheaper than in Nevada ($2,042)
- $288 per year cheaper than in New York ($1,976)
- $62 per year cheaper than in Georgia ($1,720)
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 $118 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 $125 or less per month.
Vehicles that have the cheapest car insurance rates in their respective segments
- Subaru Impreza (compact car) at $1,470 per year
- Chevrolet Trailblazer (compact SUV) at $1,342 per year
- Subaru Legacy (midsize car) at $1,634 per year
- Honda Passport (midsize SUV) at $1,382 per year
- Chrysler 300 (full-size car) at $1,730 per year
- Chevrolet Tahoe (large SUV) at $1,662 per year
- Ford Maverick (midsize pickup) at $1,472 per year
- Nissan Titan (full-size pickup) at $1,754 per year
- Honda Odyssey (minivan) at $1,622 per year
- Mazda MX-5 Miata (sports car) at $1,640 per year
- Acura Integra (compact luxury car) at $1,592 per year
- Acura RDX (compact luxury SUV) at $1,480 per year
- Cadillac CT5 (midsize luxury car) at $1,908 per year
- Lexus RX 350 (midsize luxury SUV) at $1,590 per year
- Audi A5 (full-size luxury car) at $1,992 per year
- Volvo XC90 (full-size luxury SUV) at $1,832 per year
The table below ranks the 50 vehicles with the cheapest car insurance quotes in Kansas from all vehicle segments.
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 - $1,880 per year or $157 per month
- Overland Park Car Insurance - $1,694 per year or $141 per month
- Kansas City Car Insurance - $2,066 per year or $172 per month
- Topeka Car Insurance - $1,706 per year or $142 per month
- Olathe Car Insurance - $1,678 per year or $140 per month
- Lawrence Car Insurance - $1,662 per year or $139 per month
- Shawnee Car Insurance - $1,684 per year or $140 per month