Car insurance in Kansas costs between $45 and $78 per month for minimum coverage, and between $130 and $225 per month for full coverage, depending on your driver profile, city, and insurer. Kansas is a no-fault state, meaning your own Personal Injury Protection (PIP) coverage pays for medical expenses after an accident regardless of who is at fault, making PIP one of the most important coverages to understand as a Kansas driver.
This guide covers average rates, state legal requirements (including PIP), how costs vary by city and driver profile, the best insurance companies in Kansas, and practical tips to find the most affordable policy for your situation.
| Coverage Type | Avg Monthly Rate (Range) | Avg Annual Rate (Range) |
|---|---|---|
| Minimum Coverage (Liability + PIP + UM) | $45 - $78/mo | $540 - $936/yr |
| Full Coverage | $130 - $225/mo | $1,560 - $2,700/yr |
Source: valuepenguin.com
Note: Rates are based on averages and may not reflect your specific profile.
The sunflower state is a great place to live, but when it comes to car insurance, it is actually 8% more than the average in the United States.
But there are factors that influence Kansas car insurance costs other than location, and those include where your age, your driving history, your car’s make and model and even its safety features…or lack thereof.
Keep reading to find out more about Kansas car insurance.
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Kansas is a no-fault state with more coverage requirements than many other states. All drivers must carry:
These requirements are more comprehensive than many states because of Kansas’s no-fault system. PIP covers you and your passengers after an accident regardless of who caused it — reducing the need to sue the other driver for minor injuries.
Driving without insurance in Kansas can result in fines of up to $2,500, a driver’s license suspension, and an SR-22 requirement for future coverage. If you are unable to obtain insurance through standard carriers, contact the Kansas Insurance Department for guidance on state-assigned risk plans.
While you don’t legally need the following coverages, you will likely at least want to consider certain options, like comprehensive and collision, which protects you in the event of damage caused by weather, as well as vandalism, theft, and car accidents.
Yes, this is going to be more expensive (around 178% more than coverage with just liability—about $1,300 with a $1,000 deductible) but if you need that protection, it’ll be worth it.
Other optional types of Kansas car insurance include:
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| Insurance Company | Full Coverage (Range) | Min. Coverage (Range) |
|---|---|---|
| Travelers | $130 - $175/mo | $47 - $70/mo |
| State Farm | $126 - $183/mo | $48 - $75/mo |
| USAA | $101 - $155/mo | $35 - $60/mo |
| GEICO | $154 - $205/mo | $45 - $72/mo |
| Shelter Insurance | $120 - $180/mo | $42 - $68/mo |
| Farm Bureau | $130 - $185/mo | $40 - $65/mo |
Source: valuepenguin.com
Note: Rates are based on averages and may not reflect your specific profile.
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SR-22 is a legal requirement that’s needed after certain violations, like driving without a license, being at-fault in an accident, a DUI, driving with a suspended license or having too many points. This form is issued by your insurance provider in conjunction with the state you live in to make sure you are properly insured.
If you need one of these forms to drive in Kansas, there are two ways to go about it.
If you’re not insured, you may not be able to get insurance with some companies and it is likely that the ones that will insure you will require you to pay a fee to have this provider file a SR-22 request with the state. Your insurance will also be higher because you are a higher risk driver.
If you are already insured, just contact your insurance company and ask that they file a SR-22 request on your behalf. In the event your provider won’t file, you are going to need to look for a new carrier. Again, be sure to shop around.
Learn more about how to get back on the road if you require an SR-22.
| City | Est. Monthly Rate Range |
|---|---|
| Wichita | $89 - $175/mo |
| Topeka | $78 - $155/mo |
| Kansas City, KS | $112 - $185/mo |
| Overland Park | $85 - $165/mo |
| Lawrence | $75 - $150/mo |
| Manhattan | $70 - $145/mo |
| Olathe | $88 - $168/mo |
| Salina | $65 - $135/mo |
Source: valuepenguin.com
Note: Rates are based on averages and may not reflect your specific profile.
The best car insurance for you may not be the cheapest, because depending on your needs and driving history, you may not want or qualify for the least expensive coverage.
If you’re looking for Kansas auto insurance, you want to make sure you have the minimum legal requirements we’ve outlined here, consider if you could benefit from more than the minimum (most people can!), and shop around before you commit to getting the best coverage for the best price.
We can help. Request fast and free Kansas car insurance quotes today.
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Car insurance in Kansas costs between $45 and $78 per month for minimum coverage, and between $130 and $225 per month for full coverage, based on your driver profile, city, and insurer.
Kansas requires: $25,000/$50,000 bodily injury liability, $25,000 property damage liability, $25,000/$50,000 uninsured motorist bodily injury, and Personal Injury Protection (PIP) with at least $4,500 in medical benefits per person.
Yes. Kansas is a no-fault state. This means your own PIP coverage pays for your medical expenses after an accident, regardless of who caused it. You can only pursue the at-fault driver’s liability insurance for serious injuries that exceed your PIP limits.
Personal Injury Protection (PIP) is required in Kansas. It covers medical expenses, lost income, funeral costs, and in-home care services for you and your passengers after an accident, regardless of fault. The minimum PIP benefit is $4,500 per person for medical expenses.
Travelers and GEICO consistently offer the lowest rates in Kansas. Travelers averages $130–$154/mo for full coverage. State Farm is recommended as the best overall value when balancing price with customer service quality.
Driving uninsured in Kansas can result in fines of up to $2,500, a license suspension, and a SR-22 requirement for future coverage. Repeat offenses carry higher penalties.
Compare quotes from at least three insurers annually, bundle home and auto policies, maintain a clean driving record, complete a defensive driving course, raise your deductible, and ask about discounts for safe driving, low mileage, and paying in full.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
