Car Insurance in Kansas
is when the numbers were refreshed.
What drivers pay in Kansas, the legal minimum and who has the lowest price.
- Full coverage averages $108 a month.
- The minimum liability limits are 25/50/25.
- This state ranks 38th among the 51 for cost.The state marked 1st has the highest cost.
Kansas car insurance costs
An average Kansas driver pays $1,295 each year for full coverage, or about $108 monthly. Policies with only the legal minimum average $528 a year. The US average is $1,613 a year, so the legal-minimum figure is 20% less.
| 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 legal minimum coverage
At least 25/50/25 liability coverage is required in Kansas. The limits are $25,000 per injured person and $50,000 for all people injured in one crash. Coverage for damage to other people's property is $25,000.
Kansas follows no-fault rules, so your own policy covers your medical bills after a crash, regardless of who caused it.
You're required to have both uninsured and underinsured motorist coverage.
Source: Kansas Insurance Department, Auto Shoppers Guide (PDF).
How many drivers in Kansas lack insurance?
In 2023, about 12% of Kansas drivers lacked car insurance. This was the 27th highest share of the 51. If an uninsured motorist hits you, this coverage pays your bills.
Additional Kansas car insurance topics
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