Kansas Car Insurance Cost for 2022

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 $1,534 per year, or about $128 per month, which is 2.1% less than the national average car insurance cost of $1,567.

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 2022 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 June 24, 2022
Average Car Insurance Cost in Kansas
Average Car Insurance Cost in Kansas
Driver Age Deductible Annual Cost Monthly Cost

As shown in the chart, the average cost of auto insurance ranges from $1,162 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

  1. Ford F-150 pickup – $1,482 per year ($124 per month)
  2. Chevrolet Silverado pickup – $1,646 per year ($137 per month)
  3. Ram 1500 pickup – $1,748 per year ($146 per month)
  4. Toyota RAV4 compact SUV – $1,448 per year ($121 per month)
  5. Honda CR-V compact SUV – $1,342 per year ($112 per month)
  6. Chevrolet Equinox compact SUV – $1,432 per year ($119 per month)
  7. Toyota Tacoma midsize pickup – $1,422 per year ($119 per month)
  8. Honda Accord midsize sedan – $1,598 per year ($133 per month)
  9. Ford Explorer midsize SUV – $1,444 per year ($120 per month)
  10. 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 $78 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 $196 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 $402 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 $628 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, 5.2% 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.

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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
North Dakota$1,268-$266
South Dakota$1,378-$156

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 ($1,502)

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 Volkswagen Tiguan.

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 $1,540 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 $1,330 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.

Top 50 Vehicles with Cheap Car Insurance in Kansas
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,168$97
2Nissan Kicks$1,196$100
3Chevrolet Trailblazer$1,204$100
4Subaru Crosstrek$1,232$103
5Honda Passport$1,234$103
6Toyota C-HR$1,260$105
7Chevrolet Colorado$1,262$105
8Buick Encore$1,268$106
9Nissan Rogue Sport$1,280$107
10Hyundai Venue$1,302$109
11Buick Envision$1,304$109
12Kia Seltos$1,306$109
13Ford Maverick$1,312$109
14Acura RDX$1,314$110
15Toyota Corolla Cross$1,314$110
16Subaru Ascent$1,318$110
17Hyundai Kona$1,324$110
18Subaru Impreza$1,328$111
19Mazda MX-5 Miata$1,330$111
20Subaru Forester$1,330$111
21Volkswagen Tiguan$1,330$111
22Chevrolet Spark$1,336$111
23Honda CR-V$1,342$112
24Cadillac XT4$1,348$112
25Mazda CX-30$1,356$113
26Ford Ranger$1,362$114
27Ford Edge$1,380$115
28Honda HR-V$1,380$115
29Ford Ecosport$1,390$116
30Chevrolet Trax$1,406$117
31Subaru Outback$1,406$117
32Acura ILX$1,410$118
33GMC Terrain$1,412$118
34Mitsubishi Eclipse Cross$1,414$118
35Toyota Tacoma$1,422$119
36Nissan Murano$1,424$119
37Hyundai Tucson$1,426$119
38Chevrolet Bolt$1,428$119
39Honda Odyssey$1,430$119
40Chevrolet Equinox$1,432$119
41Toyota Venza$1,432$119
42Volkswagen Taos$1,438$120
43Fiat 500X$1,442$120
44Ford Explorer$1,444$120
45Toyota RAV4$1,448$121
46Kia Sorento$1,452$121
47Kia Soul$1,452$121
48Nissan Frontier$1,460$122
49Hyundai Palisade$1,470$123
50Hyundai Santa Cruz$1,474$123

    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 June 24, 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.