How much is car insurance in Kansas?
Car insurance in Kansas cost an average of $1,182 a year for full coverage in 2023 (NAIC), sitting 18% below the $1,439 national average and coming to about $1,400 a year in Kansas today (about $115 a month in August 2026 dollars). In Kansas, the law asks for at least 25/50/25 liability, while Kansas liability-only policies—the closest NAIC figure to minimum coverage—averaged $483 in 2023 (about $570 today).
Average car insurance cost in Kansas: 18% below the US average
Typical Kansas full-coverage price today
about $1,400 a year in Kansas (about $115 a month)
Kansas's 2023 NAIC full-coverage average ($1,182) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Kansas rate depends on your car, driving history, and coverage limits.
That $1,182 2023 full-coverage figure makes Kansas the 14th least expensive of the 50 states and DC (against $1,439 nationally), with 41% going to liability ($483, 13th lowest in the US) and 59% covering physical damage to your own vehicle. NAIC also tracks Kansas's average expenditure per insured vehicle—$973 in 2023 (13th lowest in the US, or about $1,150 today)—which sits 18% ($209) below Kansas's full-coverage average because many Kansas drivers drop collision or comprehensive on older cars.
Kansas costs less to insure than Colorado, Missouri, Nebraska, and Oklahoma
A typical full-coverage policy in Kansas ($1,182 in 2023) costs less than in all four bordering states. Among Kansas's neighbors, Nebraska had the lowest 2023 average ($1,184, moving to Kansas is about the same) and Colorado had the highest ($1,655, moving to Kansas is about $630 less a year).
| State | 2023 average | Moving to Kansas from there |
|---|---|---|
| Kansas | $1,182 | Current state (Kansas) |
| Colorado | $1,655 | About $630 less a year |
| Missouri | $1,323 | About $190 less a year |
| Nebraska | $1,184 | About the same |
| Oklahoma | $1,324 | About $190 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Wyoming ($1,180 in 2023, about $1,400 today), Montana ($1,184 in 2023, about $1,400 today), South Dakota ($1,158 in 2023, about $1,370 today), and Kentucky ($1,208 in 2023, about $1,430 today).
Kansas: 25/50/25 minimums since 2017 and no-fault PIP rules
- Kansas liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Kansas
- Required
- Medical payments in Kansas
- Not required
- No-fault system in Kansas
- Yes
- Uninsured motorist in Kansas
- Required
- Underinsured motorist in Kansas
- Required
Set by K.S.A. 40-3107(e) (required policy contents), Kansas's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Kansas, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Kansas is a no-fault state: after a crash, your own Kansas policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in Kansas—the closest NAIC figure to what a Kansas minimum policy costs—averaged $483 in 2023 (about $570 in Kansas today), the 13th lowest of the 50 states and DC. That makes liability 41% of Kansas's full-coverage average ($1,182), while the remaining 59% goes toward collision and comprehensive coverage for your own car.
Kansas requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. You also need personal injury protection, which covers at least $4,500 of your own medical bills no matter who caused the crash. Uninsured and underinsured motorist coverage at the minimum limits is always included.
Good to know: The PIP disability benefit depends on your income; $900 a month is the minimum.
What we couldn’t confirm: We didn't check whether the 2026 legislative study of the minimums has made recommendations.
- Personal injury protection
- Minimums: $4,500 medical; $900/month disability/work loss for 1 year; $4,500 rehabilitation; $2,000 funeral; $25/day substitution (in-home services) for 365 days; $900/month survivor benefits
- Uninsured and underinsured motorist
- Uninsured motorist coverage matches your injury liability limits and also covers underinsured drivers. You can turn down in writing only the part above $25,000/$50,000, so everyone keeps at least that much.
- History and recent checks
- 25/50/25 applies to policies issued or renewed on or after January 1, 2017 (L. 2016, ch. 72). Starting with the 2026 legislative interim, and at least every 10 years after, a legislative study committee will review whether to change the minimums (40-3107(j)). No change enacted.
- Checked
- September 22, 2026
- Sources
- K.S.A. 40-3107(e) (required policy contents)
not less than $25,000 because of bodily injury to, or death of, one person ... not less than $50,000 ... not less than $25,000 because of harm to or destruction of property of others
- K.S.A. 40-3104 (compulsory coverage)
Every owner shall provide motor vehicle liability insurance coverage in accordance with the provisions of this act for every motor vehicle owned by such person
- K.S.A. 40-3103 (PIP benefit definitions)
"Medical benefits" means ... reasonable expenses, up to a limit of not less than $4,500 ... up to a maximum of not less than $900 per month for not to exceed one year
- K.S.A. 40-3117 (tort threshold)
may recover damages in tort for pain, suffering ... only in the event the injury requires medical treatment ... having a reasonable value of $2,000 or more
- K.S.A. 40-284 (UM/UIM)
Any uninsured motorist coverage shall include an underinsured motorist provision ... right to reject, in writing, the uninsured motorist coverage ... which is in excess of the limits ... set forth in K.S.A. 40-3107
- K.S.A. 40-3107(e) (required policy contents)
Adding a 16-year-old driver in Kansas: about $920 more a year
Adding a 16-year-old to a Kansas policy
about $920 more a year
About $75 a month (+66% over a typical Kansas adult policy of $1,400), bringing the combined Kansas family policy to roughly $1,750–$3,100 a year.
On a separate Kansas policy of their own with the same car, a 16-year-old in Kansas would pay about $4,020 a year (roughly $3,050–$5,750), so sharing a parent's Kansas policy saves about $3,090 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Kansas's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Kansas
In Kansas, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $830 more a year on a Kansas policy, versus about $1,390 more a year for the 2022 Tesla Model 3 at the top of Kansas's list.
| 2022 model | Added to a Kansas policy | Own Kansas policy |
|---|---|---|
| 2022 Subaru Forester | +$830 in Kansas | $3,590 in Kansas |
| 2022 Subaru Outback | +$830 in Kansas | $3,600 in Kansas |
| 2022 Subaru Crosstrek | +$830 in Kansas | $3,610 in Kansas |
| 2022 Honda CR-V | +$890 in Kansas | $3,860 in Kansas |
| 2022 Toyota RAV4 | +$900 in Kansas | $3,920 in Kansas |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Kansas
In Kansas, a 45-year-old with full coverage pays from about $1,340 a year for a 2024 Subaru Crosstrek to about $1,860 for a 2024 Kia Forte on these Kansas sample models.
| Car | 45-year-old in Kansas | Adding a teen in Kansas |
|---|---|---|
| 2024 Kia Forte | about $1,860 a year | +$1,230 a year |
| 2024 Toyota Prius | about $1,570 a year | +$1,030 a year |
| 2024 Nissan Sentra | about $1,850 a year | +$1,220 a year |
| 2024 Volkswagen Jetta | about $1,700 a year | +$1,120 a year |
| 2024 Kia Soul | about $1,670 a year | +$1,100 a year |
| 2024 Subaru Crosstrek | about $1,340 a year | +$880 a year |
| 2024 Honda HR-V | about $1,540 a year | +$1,020 a year |
| 2024 Hyundai Kona | about $1,480 a year | +$980 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Kansas
- How much is car insurance in Kansas?
- In Kansas, full-coverage car insurance averaged $1,182 a year in 2023 (the 14th least expensive of the 50 states and DC per NAIC), or about $1,400 a year ($115 a month) in Kansas as of August 2026. Kansas liability-only coverage averaged $483 in 2023 (41% of Kansas's full-coverage figure, or about $570 today), and Kansas drivers spent $973 per insured car across all policies.
- What are the minimum car insurance limits in Kansas?
- Under K.S.A. 40-3107(e) (required policy contents), Kansas requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. 25/50/25 applies to policies issued or renewed on or after January 1, 2017 (L. 2016, ch. 72). Starting with the 2026 legislative interim, and at least every 10 years after, a legislative study committee will review whether to change the minimums (40-3107(j)). No change enacted.
- How much does adding a 16-year-old teen driver cost in Kansas?
- Adding a 16-year-old to a parent's full-coverage policy in Kansas adds about $920 more a year ($75 a month), bringing the Kansas household policy to roughly $1,750–$3,100 a year versus about $4,020 a year (roughly $3,050–$5,750) on a standalone Kansas teen policy.
- Is Kansas a no-fault car insurance state?
- Yes—Kansas uses no-fault auto insurance rules, so your own Kansas personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. Minimums: $4,500 medical; $900/month disability/work loss for 1 year; $4,500 rehabilitation; $2,000 funeral; $25/day substitution (in-home services) for 365 days; $900/month survivor benefits
- How does Kansas's car insurance cost compare with Colorado?
- Kansas averaged $1,182 for full coverage in 2023 (NAIC) against $1,655 in Colorado (29% less than Colorado), and moving a sample policy from Colorado to Kansas today is about $630 less a year. Other bordering states averaged $1,323 in Missouri, $1,184 in Nebraska, and $1,324 in Oklahoma in 2023.
Sources for Kansas
- Kansas average premiums ($1,182 full coverage, $483 liability-only, $973 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Kansas minimum coverage statutes (K.S.A. 40-3107(e) (required policy contents); K.S.A. 40-3104 (compulsory coverage); K.S.A. 40-3103 (PIP benefit definitions); K.S.A. 40-3117 (tort threshold); K.S.A. 40-284 (UM/UIM)), checked September 22, 2026. Page updated for Kansas. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.