Car insurance in Kansas
Drivers in Kansas paid $1,182 a year for full coverage in 2023, 18% below the national average. With prices up since, figure on about $1,400 today. In Kansas, the law asks for at least 25/50/25 liability.
What people pay in Kansas
A typical yearly price today
about $1,400 a year (about $115 a month)
Kansas's average full-coverage cost in 2023 was $1,182, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,400.
That makes Kansas the 14th least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Kansas next to its neighbors
A typical policy costs less in Kansas than in all four of its neighbors.
| State | Typical price, 2023 | Moving to Kansas from there |
|---|---|---|
| Kansas | $1,182 | Not a move |
| Colorado | $1,655 | About $650 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 |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Kansas's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Required
- Underinsured motorist
- Required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Kansas is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $483 in Kansas in 2023 (about $570 today, brought up the same rough way), the 13th lowest of the 50 states and DC. That's about 41% of the full-coverage price; the rest pays to fix or replace 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.
- Checked
- September 22, 2026
A new teen driver in Kansas
Adding a 16-year-old to a typical policy
about $920 more a year
About $75 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,750–$3,100 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,020 a year in Kansas (roughly $3,050–$5,750).
What adding a teen costs comes from California's published prices, so the range is wide, and Kansas may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,390 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$830 a year | $3,590 a year |
| 2022 Subaru Outback | +$830 a year | $3,600 a year |
| 2022 Subaru Crosstrek | +$830 a year | $3,610 a year |
| 2022 Honda CR-V | +$890 a year | $3,860 a year |
| 2022 Toyota RAV4 | +$900 a year | $3,920 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Kansas (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Kansas's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.