Kansas Car Insurance Rates
Average auto insurance rates in Kansas for 2019 are $1,336 annually including full coverage. Comprehensive, collision, and liability cost around $296, $542, and $346, respectively. Garden City and Dodge City average the highest car insurance rates, and the two companies with the most written premium are State Farm and American Family.
Average rate for full coverage: $1,336
Price estimates for individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Auto Insurance in Kansas
For the average 40-year-old driver, prices go from as cheap as $410 for the bare minimum liability coverage to a high of $2,886 for coverage for higher-risk drivers.
These differences highlight why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using averaged prices.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Kansas Insurance
The chart above shows average Kansas auto insurance prices for different situations. The best price after discounts is $766. Insureds who use higher $1,000 deductibles will pay about $1,148. The average price for a driver age 40 with no violations using $500 deductibles is $1,336. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,708. Drivers considered high risk could be charged as much as $2,886. The cost for full coverage insurance for a 16-year-old driver can be as high as $4,914.
Insurance prices in Kansas can also vary considerably based on the type of vehicle you drive, your driving characteristics, and deductibles and policy limits.
Your choice of vehicle has a significant impact on the cost of auto insurance in Kansas. Electing to drive a cheaper and lower horsepower model will save money on insurance due to cheaper replacement cost and lower medical and liability claims.
The next table shows premium estimates for the most popular vehicles insured in Kansas.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Where you live in Kansas has a huge impact on auto insurance prices. Less congested rural areas might see rates around $1,000 a year, while Garden City and Dodge City may see prices closer to $1,900. Even different neighborhoods within a few miles of each other in the same city can have a wide range of rates.
These wide price ranges emphasize the need to quote rates based on your location.
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 134% more than the average policy. View High Risk Driver Rates
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age
Your auto insurance company definitely influences the cost of coverage. In Kansas, every insurance company sets their own rates, and prices can change based on indivdual risk characteristics. In Kansas, car insurance prices range from $758 with USAA to as much as $2,260 with Encompass. Companies like The Hartford, Auto-Owners, and Allied fall somewhere in between.These are probably not the exact rates you would pay, as the type of vehicle you drive, your driving record, and your location in Kansas all factor in.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $560 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $312 more each year. View Rates by Deductible or Liability Limit
With so much variability in prices, the best way to figure out your exact price is to get quotes and see which company has the best price. Each insurance company calculates prices differently, and rates can be significantly different between companies.
Kansas Auto Insurance Articles
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$100|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.