- Average car insurance in Kansas costs $1,534 per year, or $128 per month for full coverage.
- When compared to Midwest states, Kansas car insurance cost ranks #10 out of 12 states and the state ranks 38th out of all 50 states for overall cheapest rates.
- For cheap car insurance in Kansas, models like the Mazda CX-5, Nissan Kicks, Subaru Crosstrek, and Toyota C-HR are top picks.
How much is car insurance in Kansas?
Average car insurance in Kansas costs $1,534 per year, or about $128 per month, which is 1.1% less than the national average car insurance cost of $1,551.
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 $1,160 per year for a high deductible policy for a 60-year-old driver to $3,522 per year for a low deductible policy for a 20-year-old driver. The same values when converted to monthly cost range from $97 to $294 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 – $1,482 per year ($124 per month)
- Chevrolet Silverado pickup – $1,646 per year ($137 per month)
- Ram 1500 pickup – $1,748 per year ($146 per month)
- Toyota RAV4 compact SUV – $1,448 per year ($121 per month)
- Honda CR-V compact SUV – $1,342 per year ($112 per month)
- Chevrolet Equinox compact SUV – $1,432 per year ($119 per month)
- Toyota Tacoma midsize pickup – $1,422 per year ($119 per month)
- Honda Accord midsize sedan – $1,598 per year ($133 per month)
- Ford Explorer midsize SUV – $1,442 per year ($120 per month)
- Toyota Camry midsize sedan – $1,506 per year ($126 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 $694 or more each year.
- Insuring multiple vehicles on one policy could save $82 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 $198 per year.
- Qualifying for many discounts could save as much as $478 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 $400 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 $1,400 per year.
- Having an accident that is determined to be your fault can raise rates by as much as $624 each year.
How do Kansas car insurance rates compare?
When compared to surrounding states, average Kansas car insurance rates are 5.4% more expensive than Nebraska, 5% cheaper than Missouri, 3.6% cheaper than Oklahoma, and 5.7% cheaper than Colorado.
The chart below shows how Kansas car insurance cost compares to the rest of the states in the Midwest. Kansas ranks 10th out of the 12 Midwest states, with only Missouri and Michigan having more expensive average car insurance quotes.
|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 23rd 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 2022 Toyota Camry in Kansas costs $1,506 per year. When compared to other states, this rate is:
- $208 per year cheaper than insuring the same vehicle in California ($1,714)
- $682 per year cheaper than in Florida ($2,188)
- $138 per year cheaper than in Nevada ($1,644)
- $90 per year cheaper than in New York ($1,596)
- $58 per year cheaper than in Georgia ($1,488)
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 Mazda CX-5, Nissan Kicks, and Nissan Rogue Sport.
Average car insurance quotes for those small SUVs cost $107 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, Hyundai Venue, Acura RDX, and Mazda MX-5 Miata.
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 $111 or less per month.
Vehicles that have the cheapest car insurance rates in their respective segments
- Subaru Impreza (compact car) at $1,328 per year
- Mazda CX-5 (compact SUV) at $1,168 per year
- Subaru Legacy (midsize car) at $1,484 per year
- Honda Passport (midsize SUV) at $1,234 per year
- Toyota Avalon (full-size car) at $1,610 per year
- Chevrolet Tahoe (large SUV) at $1,538 per year
- Chevrolet Colorado (midsize pickup) at $1,262 per year
- Ford F150 (full-size pickup) at $1,482 per year
- Honda Odyssey (minivan) at $1,430 per year
- Mazda MX-5 Miata (sports car) at $1,328 per year
- Mercedes-Benz A220 (compact luxury car) at $1,508 per year
- Acura RDX (compact luxury SUV) at $1,314 per year
- Acura ILX (midsize luxury car) at $1,410 per year
- Cadillac XT5 (midsize luxury SUV) at $1,508 per year
- Audi A5 (full-size luxury car) at $1,798 per year
- Volvo XC90 (full-size luxury SUV) at $1,660 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 Cost||Monthly Cost|
|9||Nissan Rogue Sport||$1,278||$107|
|15||Toyota Corolla Cross||$1,314||$110|
|18||Mazda MX-5 Miata||$1,328||$111|
|34||Mitsubishi Eclipse Cross||$1,414||$118|
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 - $1,658 per year or $138 per month
- Overland Park Car Insurance - $1,480 per year or $123 per month
- Kansas City Car Insurance - $1,836 per year or $153 per month
- Topeka Car Insurance - $1,492 per year or $124 per month
- Olathe Car Insurance - $1,462 per year or $122 per month
- Lawrence Car Insurance - $1,450 per year or $121 per month