Car Insurance in Kansas
Kansas drivers spend an average of $973 a year on auto insurance according to the NAIC — ▼ −24% versus the national average of $1,282, ranking 39th most expensive of 51. The state requires 25/50/25 liability coverage and follows a no-fault system.
Average car insurance cost in Kansas
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $483 for liability, $349 for collision and $349 for comprehensive ($1,182 combined, versus $1,439 nationally). That average expenditure is 12% higher than the NAIC's previous data year ($868). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.
Minimum car insurance requirements in Kansas
Kansas's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $585 a year here, $180 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | 4,500 medical PIP is required: at least $4,500 medical, $4,500 rehabilitation, $900 per month disability, $25 per day substitution services, $2,000 funeral and $900 per month survivor benefits. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage is required; only limits above the 25/50 minimum may be rejected in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Uninsured motorist coverage must include an underinsured motorist provision. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Compare with another state
Is Kansas a no-fault state?
Yes. Kansas is a no-fault state: your own PIP pays first, and you can sue for pain and suffering only if medical treatment is worth $2,000 or more or the injury involves permanent disfigurement, certain fractures, permanent injury or death.
In practice: keep your PIP limits in mind — they pay first for you and your passengers, while your liability coverage still pays for damage you cause to other vehicles and property.
Uninsured drivers in Kansas
The Insurance Research Council estimates 12.0% of Kansas drivers are uninsured — 27th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 8 on the road. Kansas requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in Kansas
Drivers who must prove financial responsibility after a DUI, an uninsured crash or a serious violation file proof of insurance through their insurer. Confirm the exact form and how long it must be kept with the Kansas Department of Insurance or your state motor vehicle agency.
By our model, a driver in their 30s with a DUI would pay about $770 a year for minimum coverage in Kansas, versus $405 with a clean record. What is SR-22 insurance?
Estimate your premium in Kansas
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Car insurance by city in Kansas
We cover 8 Kansas cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Topeka ($1,360) and the highest in Lawrence ($1,420).
- WichitaPop. 400,991 · Sedgwick County$1,405+10% vs state
- Overland ParkPop. 202,893 · Johnson County$1,415+11% vs state
- Kansas CityPop. 156,752 · Wyandotte County$1,395+9% vs state
- OlathePop. 149,035 · Johnson County$1,415+11% vs state
- TopekaPop. 125,467 · Shawnee County$1,360+6% vs state
- LawrencePop. 97,271 · Douglas County$1,420+11% vs state
- ShawneePop. 69,724 · Johnson County$1,410+10% vs state
- LenexaPop. 59,427 · Johnson County$1,380+8% vs state
Estimated cost by driver profile in Kansas
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Kansas.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,110 | $1,605 | $3,525 | $294 |
| Young adult (22) | $645 | $935 | $2,050 | $171 |
| Adult in their 30s | $405 | $585 | $1,280 | $107 |
| Adult in their 50s | $370 | $535 | $1,180 | $98 |
| Senior (72) | $450 | $655 | $1,435 | $120 |
| 30s, one at-fault accident | $585 | $845 | $1,860 | $155 |
| 30s, DUI on record | $745 | $1,080 | $2,370 | $198 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $405 | $34 | $330–$475 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $585 | $49 | $480–$690 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,280 | $107 | $1,050–$1,515 |
Cheapest and most expensive cars to insure in Kansas
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,020 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| Chevrolet Traverse | Midsize SUV | $800 |
| GMC Acadia | Midsize SUV | $895 |
| Subaru Crosstrek | Small SUV | $935 |
| Honda CR-V | Small SUV | $955 |
| Subaru Forester | Small SUV | $955 |
| MINI Cooper | Subcompact car | $960 |
| Honda Pilot | Midsize SUV | $970 |
| Subaru Outback | Wagon | $975 |
| Ford Bronco | Midsize SUV | $995 |
| Jeep Wrangler | Midsize SUV | $1,010 |
| Model | Segment | Est. / year |
|---|---|---|
| Lamborghini Urus | Luxury SUV | $3,820 |
| BMW M4 | Luxury sports car | $3,520 |
| BMW M3 | Luxury car | $3,505 |
| BMW 7 Series | Luxury car | $3,230 |
| Mercedes-Benz S-Class | Luxury car | $2,835 |
| Mercedes-Benz G-Class | Luxury SUV | $2,515 |
| Lucid Air | Luxury car | $2,255 |
| Audi RS 7 | Luxury car | $2,235 |
| Mercedes-Benz SL-Class | Luxury sports car | $2,145 |
| Land Rover Range Rover | Luxury SUV | $2,115 |
Cheap car insurance in Kansas: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $95 a year on a typical Kansas full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $970 to $585.
- Drive less, pay less. Low-mileage and usage-based programs can save around $85 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $285 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Kansas Department of Insurance
The Kansas Department of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- insurance.kansas.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-800-432-2484
Kansas vs. neighboring states
Frequently asked questions
How much is car insurance in Kansas?
NAIC data puts the average Kansas auto insurance expenditure at $973 a year, 24% less than the national average of $1,282 (rank 39 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,280 a year ($107 a month); state-minimum liability is about $405.
What is the minimum car insurance required in Kansas?
Kansas requires at least 25/50/25 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage, plus personal injury protection (PIP) of 4,500 medical, uninsured motorist coverage, and underinsured motorist coverage.
Is Kansas a no-fault state?
Yes. Kansas is a no-fault state: your own PIP pays first, and you can sue for pain and suffering only if medical treatment is worth $2,000 or more or the injury involves permanent disfigurement, certain fractures, permanent injury or death.
How many drivers in Kansas are uninsured?
The Insurance Research Council estimates that about 12.0% of Kansas drivers are uninsured, ranking 27th in the nation (national estimate: 15.4%).
Which Kansas city has the cheapest car insurance?
Among the 8 cities we cover, Topeka has the lowest full-coverage estimate at about $1,360 a year, while Lawrence is the highest at about $1,420. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Kansas?
An 18-year-old on their own full-coverage policy would pay roughly $3,525 a year in Kansas by our estimate, or about $1,110 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Kansas?
Contact the Kansas Department of Insurance (consumer line 1-800-432-2484). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- K.S.A. 40-3107 (required motor vehicle liability policy provisions)
- K.S.A. 40-3103 (PIP benefit definitions)
- K.S.A. 40-3117 (tort threshold)
- K.S.A. 40-284 (uninsured/underinsured motorist coverage)
- Kansas Department of Insurance: Auto
- Kansas Department of Insurance: File an Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index