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Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Updated Nov 02, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X Kansas is home to licensed drivers, and each driver will receive unique car insurance rates in Kansas based on personal factors. The cost of varies person to person and is based on several individual factors such as age, driving history and gender. Drivers in Kansas pay an average of $410 annually for minimum coverage and $1,698 for full coverage policies. While age and driving history are used to determine premiums, your zip code, credit score and vehicle and history are also big factors for determining car insurance rates in Kansas. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in Kansas
The average cost of car insurance in Kansas is based on multiple points, including where you live and your vehicle. Other factors, such as your driving record, age, credit score and miles driven are all used to determine your car insurance rates in Kansas. Kansas auto insurance rates are on par with the . The average annual premium in Kansas is $410 for minimum coverage, and $1,698 for full coverage. The averages across the United States are $565 and $1,647 respectively, which means you might for minimum coverage in Kansas versus other states. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Kansas car insurance rates by company
Car insurance rates in Kansas are influenced by a variety of factors, including the . If you want to find the , it is wise to review several carriers to compare rates and overall customer service and financial strength ratings. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $476 $1,792 $531 $1,858 $278 $1,393 $421 $2,891 $362 $1,335 $325 $1,494 $426 $1,963 $446 $1,644 QBE $340 $1,208 $577 $2,246 Sentry $654 $2,322 $658 $2,347 $335 $1,280 $239 $1,225 Kansas car insurance rates by city
Your heavily impacts the amount you pay for car insurance rates in Kansas. Those living in a more populated area, such as Wichita and Kansas City, tend to pay higher rates versus those living in less populated areas, such as Hays. City Average annual premium for full coverage % difference from state average annual premium Wichita $1,776 5% Overland Park $1,522 -10% Topeka $1,637 -4% Kansas City $1,881 11% Olathe $1,508 -11% Lawrence $1,512 -11% Shawnee $1,521 -10% Manhattan $1,524 -10% Salina $1,525 -10% Hutchinson $1,617 -5% Lenexa $1,518 -11% Garden City $1,928 14% Leavenworth $1,653 -3% Leawood $1,527 -10% Dodge City $1,920 13% Emporia $1,619 -5% Derby $1,687 -1% Junction City $1,542 -9% Hays $1,678 -1% Newton $1,647 -3% Kansas car insurance rates by age
Age is an enormous factor with the average . The 18- and 20-year olds tend to pay the highest premiums, while the rates steadily decline (on average) the older you are. Rates do tend to creep up slightly once you are past age 70. Age Average annual premium in Kansas $2,099 $4,960 $3,838 $2,153 $1,956 $1,822 $1,597 $1,538 $1,600 *16 year old calculated on parent's policy disclosure Kansas car insurance rates by driving record
Drivers are humans, which means tickets and accidents can happen at any time. If you do receive a ticket for a moving violation, an accident or driving under the influence, then you will most likely see an increase in your Kansas car insurance rates. Driving incident Average annual full coverage premium in Kansas % increase of average annual premium Speeding ticket $2,028 19% Accident $2,388 41% DUI $2,930 73% How to save on car insurance in Kansas
Drivers can save in a number of ways on their car insurance rates in Kansas. One of the most effective ways to save is to take advantage of as many discounts as possible. Look for discounts such as: Paid-in-full: If you prefer to pay your annual premiums all at once, versus monthly installment payments, you should receive a discount and avoid paying unnecessary convenience fees. There may even be additional discounts available if you renew your policy several days prior to your policy end-date. Safety equipment: Safety features such as airbags, anti-theft system, anti-lock brakes and airbags may make you eligible for a discount. Plus, inquire about a seatbelt use discount, which is another safety feature. New car: Those who drive a newer car, usually one that is less than a year old, are typically eligible for a new car discount. Safe driver: Most carriers have options for a safe driver discount. If you are willing to install a telematics device via bluetooth or connect to an app that records your driving skills, you could save on your premiums. are based on the feedback you receive and your personal driving habits. Frequently asked questions
Yes, Kansas is considered a . This means all drivers involved in a vehicle accident must file a claim with their own auto insurance company, no matter which driver is ruled at-fault for the accident.
Kansas not only has minimum liability , but it also has minimum no-fault and uninsured/underinsured motorist coverage requirements too, including: $25,000 per person for bodily injury $50,000 per accident for bodily injury $25,000 per accident for property damage Personal injury protection (PIP) of $4,500 per person for medical expenses is required, as well as $25,000 per person, $50,000 per accident in uninsured/underinsured motorist (UI/UM) coverage.
For minimum coverage, Kansas car insurance costs an average of $34 a month. Kansas drivers pay an average of $142 a month. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Sara Coleman Insurance Contributor Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.