Kansas Auto Insurance

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funnyman KAOZ
a month ago
The service agent gave me top-notch customer service. He knew what he was talking about and made the whole experience an enjoyable one. You're very lucky to have him on your team. He was very knowledgeable and made things simple to understand. I will always go to him in the...
Ronald Gaddis
4 months ago
Insurance is a necessity of life and finding an insurance agency that is trustworthy, professional, responsive to the needs of their clients and not trying to sell you a policy which financially benefits them and not you is difficult to find. Having said that, I am happy to say that...
Mike Koertel
6 months ago
Brian was fantastic to work with. He handled the entire process from start to finish (reviewing our current policies with another agency, presented us with new quotes & policies, and assisted with the transition of changing companies/policies). I never once felt like I was rushed to make a...

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Kansas Auto Insurance Coverage

auto liability coverage

Liability

Covers damage you cause to someone else including bodily injury and property damage.

hailing on car

Comprehensive

Covers non-collision damages such as theft, vandalism and natural disasters.

car crash

Collision

Coverage that pays for damages to your own car when you're in an at-fault accident.

car being towed

More Options

More options for rental car, roadside assistance, GAP coverage, medical payments and more.

See all auto insurance coverage options.

Kansas auto insurance requirements

Kansas law requires all auto insurance policies have these minimum coverages:

Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage Liability $25,000 per accident
Personal Injury Protection (PIP or No-Fault) $4,500 per person
Uninsured Motorist $25,000 per person / $50,000 per accident
Underinsured Motorist $25,000 per person / $50,000 per accident

Of course, this is a minimum and we would never recommend anyone choosing limits this low. For example, almost every new vehicle costs more than $25,000. With property damage liability limits that low you're exposing yourself to significant out-of-pocket costs.

Comprehensive and Collision coverage, often referred to as full coverage, are not required by the state. However, if you have a loan on your vehicle, your lender will require you to have full coverage.

Our minimum recommendations

We recommend selecting limits higher than the minimum required by the state of Kansas.

Bodily Injury Liability $100,000 per person / $300,000 per accident
Property Damage Liability $100,000 per accident
Personal Injury Protection (PIP or No-Fault) Depends on your health insurance deductible
Uninsured Motorist $100,000 per person / $300,000 per accident
Underinsured Motorist $100,000 per person / $300,000 per accident

For Personal Injury Protection, or PIP, your health insurance deductible may be a factor in what limit you choose. For example, if you have a very high health insurance deductible, you may want to opt for more PIP coverage to avoid money out-of-pocket.

Average auto insurance cost in Kansas

According to Kaggle, the average cost for auto insurance in Kansas is $654 per year. This is for policies with minimum coverage and liability only. Of course, if you have adequate coverage as we discussed above, you're likely going to see a much higher rate.

For example, adding Comprehensive and Collision coverage will probably more than double your rate.

This puts Kansas as the 28th most expensive state for auto insurance. Michigan is the highest at $2,352 per year and South Dakota is the cheapest at $336 per year.

Average auto insurance cost in the region

State Average annual cost
Kentucky $1,338
Missouri $874
Illinois $878
Kansas $654
Tennessee $577
Wisconsin $677
Indiana $498
Iowa $357

Frequently Asked Questions

The average cost of car insurance in Kansas is $654 per year for minimum coverage.

Of course if you have full coverage (Comprehensive and Collision) your rate will likely be more than double.

The minimum required coverage in Kansas is:

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $25,000
  • Personal Injury Protection (PIP): $4,500 per person
  • Uninsured Motorist: $25,000 per person / $50,000 per accident
  • Underinsured Motorist: $25,000 per person / $50,000 per accident

Compared to surrounding states Kansas auto insurance rates are about in the middle.

Of the 7 other states Kentucky was the highest with an average of $1,338 per year and Iowa was the lowest at $357 per year.

No. Typically when people say full coverage they're referring to Comprehensive and Collision.

Neither are required by state law in Kansas, however if you have a loan on your vehicle your lender will likely require you to carry Comprehensive and Collision coverage.

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