What's the Average Cost of Car Insurance in Kansas?

The Zebra
Oct. 11, 2018

Auto insurance is relatively cheap in Kansas. The average car insurance rate in Kansas is $1,427 per year — 0.0% less than the US average.

Your auto insurance premiums are impacted by more than just your location. Car insurance premiums take into account myriad factors, such as a driver's age, gender, marital status, credit, and driving history.

We examined mean Kansas car insurance rates by all of the significant rating factors. Read on to learn how much car insurance costs in each location — or enter your zip code to receive personalized quotes from popular car insurance companies.


Mean Auto Insurance Premiums in Kansas by Age Group

It's impossible to avoid: as you age, your car insurance expenditures change. As a general rule, auto insurance is pricier for teenage drivers, as car insurance companies view newer drivers as less responsible.

In Kansas, auto insurance costs $6,197 annually for a 16-year-old motorist, but only $1,198 per annum for a driver aged between 50 and 59.


KANSAS CAR INSURANCE PRICES BY AGE
AgeAverage Annual Premium
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



Average Car Insurance Costs in Kansas by Gender

While gender doesn’t carry as significant an effect on auto insurance costs as a driver's location or age, it is used as a pricing factor. Men pay less than do women for auto insurance in Kansas, but the discrepancy is just $14.05 per year.

KANSAS CAR INSURANCE PRICES BY GENDER
GenderAverage Annual Premium
Male$1,424.08
Female$1,438.13



Average Auto Insurance Premiums in Kansas by Marital Status

One benefit of nuptials — aside from the honeymoon — is the improved deal you often earn on insurance. In Kansas, wedded motorists save $121 each year on auto insurance. This is a better deal than the US post-nuptial discount of $76.


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



Average Car Insurance Rates in Kansas by Credit Score

Auto insurance underwriters reference credit as a prediction of how responsible a customer will be. Historical data indicate drivers with superior credit scores are usually more insurable auto insurance clients: they're less likely to file claims covered by auto insurance.

In Kansas, a motorist who has excellent credit can save $1,446.44 per year in auto insurance premiums, contrasted with a driver saddled with a bad credit history. Learn more about how credit history can impact auto insurance expenses:


KANSAS AUTO INSURANCE EXPENDITURES BY CREDIT TIER
Credit LevelAverage Annual 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



Average Auto Insurance Costs for Risky Drivers in Kansas

If you’re determined to be at fault in a car accident or found guilty of a vehicular offense, your insurance costs are going to climb. The more infractions you accumulate, the more expensive your auto insurance becomes.

In Kansas, your first minor at-fault crash results in a penalty of $513.12 each year in auto insurance payments. A DUI — considered among the most grave driving infractions — may grow your annual car insurance costs in Kansas by an average of $459.57.


KANSAS CAR INSURANCE PRICES WITH TICKETS
AgeAverage Yearly 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 auto insurance costs, think about weighing rates to find affordable insurance coverage that suits your needs.


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