Average Car Insurance Cost in Kansas
Numbers refreshed
NAIC provides Kansas averages for each coverage type and the state's national rank.
- Full coverage averages $1,295 a year.
- The minimum liability limits are 25/50/25.
- Cost ranks 38th among 51 states (1st = highest).
Kansas average cost for each coverage type
In Kansas, full coverage costs an average of $1,295 a year. The figure is 20% below the US average, which is $1,613 a year.
In 2023, average spending per insured car was $969; by 2024, it had reached $1,064, a 9.7% increase.
| Coverage in Kansas | Per year | Per month |
|---|---|---|
| Liability | $528 | $44 |
| Collision | $381 | $32 |
| Comprehensive | $386 | $32 |
| Full coverage (all three) | $1,295 | $108 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Kansas compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Nebraska | 35th | $1,345 | $112 |
| Kentucky | 36th | $1,337 | $111 |
| Montana | 37th | $1,322 | $110 |
| Kansas | 38th | $1,295 | $108 |
| South Dakota | 39th | $1,291 | $108 |
| Wyoming | 40th | $1,262 | $105 |
| North Carolina | 41st | $1,233 | $103 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your specific number
Every age and record goes into the averages. The Kansas calculator adjusts for yours.
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