Kansas Car Insurance Rates

Average auto insurance rates in Kansas for 2018 are $1,226 annually including full coverage. Comprehensive, collision, and liability cost around $272, $498, and $318, 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: $1,226

Price estimates for individual coverage type:

Comprehensive $272
Collision $498
Liability $318

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 $374 for the bare minimum liability coverage to a high of $2,650 for coverage for higher-risk drivers.

Liability Only $374
Full Coverage $1,226
High Risk $2,650

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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Kansas car insurance rate comparison chart
Column chart showing Kansas car insurance prices range from $704 to $4,514 for full coverage

The chart above shows average Kansas auto insurance prices for different situations. The best price after discounts is $704. Insureds who use higher $1,000 deductibles will pay about $1,054. The average price for a driver age 40 with no violations using $500 deductibles is $1,226. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,568. Drivers considered high risk could be charged as much as $2,650. The cost for full coverage insurance for a 16-year-old driver can be as high as $4,514.

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.

Kansas Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,2965.4%
Dodge Ram$1,3328%
Ford Escape$1,020-20.2%
Ford Focus$1,188-3.2%
Ford Fusion$1,3025.8%
Ford F-150$1,154-6.2%
GMC Acadia$1,130-8.5%
GMC Sierra$1,2743.8%
Honda Accord$1,144-7.2%
Honda Civic$1,3408.5%
Honda CR-V$994-23.3%
Honda Pilot$1,166-5.1%
Hyundai Sonata$1,2441.4%
Kia Optima$1,2683.3%
Nissan Altima$1,2622.9%
Nissan Rogue$1,2320.5%
Toyota Camry$1,2501.9%
Toyota Corolla$1,224-0.2%
Toyota Prius$1,138-7.7%
Toyota RAV4$1,156-6.1%
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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 $900 a year, while Garden City and Dodge City may see prices closer to $1,700. 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.

View Chart as Image

Kansas insurance rates by city

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 136% 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 $1,100 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 $4,500 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.

Kansas Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm20.54%$1,258
2American Family12.40%$1,335
3Progressive10.15%$1,396
4Farm Bureau8.00%$1,187
5Farmers Insurance7.37%$1,152
6Allstate5.51%$2,069
7USAA5.30%$758
8Nationwide4.56%$1,076
9Geico4.13%$1,593
10Liberty Mutual3.94%$1,501
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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 $520 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 $286 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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Rates by Driver Age

Kansas Insurance Rates by Driver Age
Driver AgePremium
16$4,514
20$2,836
30$1,286
40$1,226
50$1,120
60$1,100

Full coverage, $500 deductibles

Rates by Deductible

Kansas Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,568
$250$1,410
$500$1,226
$1,000$1,054

Full coverage, driver age 40

Rates by Liability Limit

Kansas Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,226
50/100$1,290
100/300$1,369
250/500$1,576
100 CSL$1,321
300 CSL$1,496
500 CSL$1,624

Full coverage, driver age 40

Rates for High Risk Drivers

Kansas Car Insurance Rates for High Risk Drivers
AgePremium
16$6,450
20$4,500
30$2,712
40$2,650
50$2,530
60$2,506

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.

SR-22 Surcharge $170

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$65
Multi-vehicle$63
Homeowner$17
5-yr Accident Free$92
5-yr Claim Free$79
Paid in Full/EFT$58
Advance Quote$61
Online Quote$87
Total Discounts$522
Rate after discounts $704

Discounts are estimated and may not be available from every company or in every state.

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