Average Cost of Car Insurance in Kansas in 2022 | Bankrate

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How much does car insurance cost in Kansas?

The average monetary value of cable car policy in Kansas is based on multiple points, including where you live and your vehicle. other factors, such as your drive phonograph record, long time, citation score and miles driven are all used to determine your car policy rates in Kansas.

Kansas car indemnity rates are on par with the home average. The average annual premium in Kansas is $ 410 for minimum coverage, and $ 1,698 for wide coverage. The averages across the United States are $ 565 and $ 1,647 respectively, which means you might pay slightly less for minimum coverage in Kansas versus other states .

Kansas car insurance rates by company

car insurance rates in Kansas are influenced by a diverseness of factors, including the aircraft carrier you choose. If you want to find the best car indemnity in Kansas, it is fresh to review several carriers to compare rates and overall customer servicing and fiscal lastingness ratings .

Kansas car insurance rates by city

Your ZIP code heavy impacts the amount you pay for car policy rates in Kansas. Those living in a more populate area, such as Wichita and Kansas City, tend to pay higher rates versus those living in less populate 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 cable car policy rates in Kansas. 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 slenderly once you are past old age 70. *16 class old calculated on parent ’ south policy disclosure

Kansas car insurance rates by driving record

Drivers are humans, which means tickets and accidents can happen at any clock. If you do receive a ticket for a moving rape, an accident or driving under the influence, then you will most probable 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. Discounts are based on the feedback you receive and your personal driving habits.

Frequently asked questions

Is Kansas considered a no-fault state?

Yes, Kansas is considered a no-fault country. This means all drivers involved in a fomite accident must file a claim with their own car indemnity ship’s company, no count which driver is ruled at-fault for the accident .

What is the minimum amount of car insurance in Kansas I must purchase?

Kansas not lone has minimum liability indemnity requirements, but it besides has minimum no-fault and uninsured/underinsured motorist coverage requirements excessively, 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 checkup expenses is required, a well as $ 25,000 per person, $ 50,000 per accident in uninsured/underinsured motorist ( UI/UM ) coverage .

How much is car insurance in Kansas per month?

For minimum coverage, Kansas car policy costs an median of $ 34 a calendar month. Kansas drivers pay an modal 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 cleanse drive phonograph record, full credit and the pursue wide 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 submit ’ mho requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum.

These are sample rates and should lone be used for comparative purposes. Age: Rates were calculated by evaluating our floor 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, individual travel rapidly ticket, single DUI conviction and lapse in coverage .

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