How Much Does Auto Insurance Cost in Kansas?

The Zebra
Feb. 7, 2019

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.


Compare rates from the best insurance companies in Kansas!



Average Kansas car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Mean Car Insurance Expenditure in Kansas by Age

It's a common phenomenon: as you get older, your auto insurance prices shift. Generally, car insurance is more expensive for young drivers, as insurers see newer drivers as less responsible.

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.


KANSAS AUTO INSURANCE COSTS BY AGE BRACKET
AgeAverage Annual Rate
16$6,196.57
17$5,394.99
18$4,817.92
19$3,154.35
20s$1,923.75
30s$1,388.84
40s$1,323.24
50s$1,198.49
60s$1,201.31
70s$1,393.04

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.




Average Auto Insurance Prices in Kansas by Gender

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.


KANSAS AUTO INSURANCE PRICES BY GENDER
GenderAverage Yearly Rate
Male$1,424.08
Female$1,438.13

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.




Average Car Insurance Rates in Kansas by Marriage Status

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.


KANSAS AUTO INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,424.08
Married$1,303.00
Divorced$1,424.08
Widowed$1,385.67

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!




Average Auto Insurance Rates in Kansas by Credit Score

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:


KANSAS CAR INSURANCE EXPENDITURES BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor (300-579)$2,695.32
Fair (580-669)$2,227.03
Good (670-739)$1,813.63
Very Good (740-799)$1,499.84
Exceptional (800-850)$1,248.88

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!




Median Car Insurance Costs for Bad Drivers in Kansas

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.


KANSAS AUTO INSURANCE RATES AFTER INFRACTIONS
AgeAverage Annual Premium
DUI or DWI$1,886.24
Reckless Driving$2,061.82
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
Open Container$1,955.57
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.




Average Car Insurance Costs by Coverage Tier in Kansas

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.


KANSAS AUTO INSURANCE PREMIUMS BY COVERAGE TYPE
Coverage LevelAverage 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.