Explore average insurance premiums by rating factor in Kansas.
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Car insurance costs are relatively moderate in Kansas. The average car insurance premium in Kansas is $1,427 per year — equal to the national average.
Your auto insurance rates are impacted by more than just state lines. Auto insurance premiums incorporate myriad factors, including your age, gender, marital status, credit rating, and driving history.
We examined average Kansas car insurance rates based on each significant rating factor. See below how much car insurance costs in Kansas — or enter your ZIP code to see personalized rates from top car insurance companies.
In Kansas, car coverage runs $6,197 per year for a 16-year-old driver, but just $1,198 per annum for a client aged between 50 and 59.
|Age||Average Annual Rate|
If you're shopping for car insurance for a teen driver, Kansas is the 22nd cheapest state in which to buy auto insurance for a 16-year-old.
While gender does not have as significant an impact on car insurance prices as location or age, it is employed as a rating factor by auto insurance companies.
|Gender||Average Yearly Rate|
If you're worried about getting the best value with your current auto insurance company, the best course of action is to do some comparison shopping.
A benefit of marriage — in addition to the wedding gifts — is the lower rates you often earn on car insurance. In the state of Kansas, married motorists save $121 per year on car insurance. This is a better deal than the national mean of $76.
|Marital Status||Average Annual Rate|
Auto insurance for divorced drivers in Kansas is the 18th most expensive in the US. If you think you're overpaying for your auto insurance, weigh your options. You never know what savings you'll find!
Auto insurance underwriters use credit history as a way of determining the reliability of a prospective customer. Historical data demonstrate drivers with superior credit are often more dependable auto insurance customers: they're less likely to file claims insurance companies are compelled to cover.
In Kansas, a driver who holds excellent credit can save $1,446.44 per year in insurance payments, compared to a driver with a poor credit history. Read more about how credit score can impact auto insurance outlays:
|Credit Tier||Average Yearly Rate|
|Very Poor (300-579)||$2,695.32|
|Very Good (740-799)||$1,499.84|
Finding cheap car insurance if you're saddled with a poor credit score can be stressful. But The Zebra is here to help. Review our guide to getting auto insurance with poor credit and start saving!
If you’re discovered to be at fault in a car crash or found guilty of an on-road violation, your auto insurance premiums are bound to rise. The more infractions you accrue, the more expensive your auto insurance becomes.
In Kansas, your first minor at-fault collision results in an additional $513.12 each year in car insurance premiums. A DWI — one of the most serious driving infractions — can boost your insurance rates in Kansas by as much as $459.57.
|Violation||Average Annual Premium|
|DUI or DWI||$1,886.24|
|At-Fault Accident (<$1,000)||$1,939.78|
|At-Fault Accident ($1,000-$2,000)||$1,948.16|
|At-Fault Accident (>$2,000)||$1,939.78|
|Speeding (21-25 MPH > limit)||$1,765.08|
|Speeding (16-20 MPH > limit)||$1,712.05|
If you're facing above-average car insurance payments, consider shopping policies to find reasonably priced insurance coverage that covers your vehicle appropriately.
The sum you pay every month for auto insurance is dependent on the tier of coverage you carry. Liability-only coverage normally is less expensive, while lower-deductible comprehensive coverage usually costs more. In Kansas, the premium gap between liability-only coverage and full coverage with a $500 deductible is $958.
|Coverage Level||Average Annual Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability-Only||$522|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,215|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,428|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$472|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,174|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,390|
|State Minimum — Liability-Only||$429|
|State Minimum — $1,000 Comprehensive/Collision||$1,162|
|State Minimum — $500 Comprehensive/Collision||$1,387|
If you're facing above-average auto insurance costs, think about weighing your options to find affordable coverage that fits your needs.