Car Insurance in Kansas
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Introduction: Car Insurance in Kansas
Kansas has over 2.1 million licensed drivers, making car insurance an essential requirement for residents. Whether you’re commuting in Wichita, driving through Kansas City, or navigating rural highways, car insurance in Kansas is legally required and provides financial protection.
Kansas operates under a no-fault insurance system, which affects how claims are handled and impacts insurance rates. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Kansas is $1,689, slightly above the national average of $1,674.
Kansas Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/25 Rule)
According to the Kansas Insurance Department (KID), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $25,000 for property damage per accident
✔ Personal Injury Protection (PIP): Minimum $4,500 for medical expenses
✔ Uninsured/Underinsured Motorist Coverage (UM/UIM): $25,000 per person / $50,000 per accident
Why Minimum Coverage May Not Be Enough:
- Medical costs from an accident can exceed $25,000 per person.
- Vehicle repair costs often surpass $25,000, especially for newer cars.
- Kansas has a moderate number of uninsured drivers, making Uninsured/Underinsured Motorist (UM/UIM) coverage critical.
Recommended Full Coverage for Better Protection
Many Kansas drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Essential due to Kansas’ hailstorms and tornado risks |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Important since some drivers lack insurance |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers with limited health insurance |
Average Cost of Car Insurance in Kansas
Car insurance rates in Kansas vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Kansas Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $523 |
| Full Coverage | $1,689 |
Car Insurance Costs by Major Kansas Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Wichita | $780 | $1,750 |
| Overland Park | $720 | $1,650 |
| Kansas City | $790 | $1,780 |
| Topeka | $710 | $1,600 |
| Olathe | $730 | $1,670 |
| Lawrence | $700 | $1,550 |
| Shawnee | $740 | $1,690 |
| Manhattan | $710 | $1,600 |
| Lenexa | $720 | $1,650 |
| Salina | $680 | $1,520 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $3,500 – $5,500 | $6,500 – $8,500 |
| 20-24 Years | $1,800 – $2,700 | $3,800 – $5,200 |
| 25-34 Years | $1,100 – $1,800 | $2,800 – $3,800 |
| 35-44 Years | $950 – $1,500 | $2,500 – $3,500 |
| 45-54 Years | $900 – $1,400 | $2,300 – $3,200 |
| 55+ Years | $850 – $1,300 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Kansas
Several factors influence car insurance rates in Kansas, including:
- Driving Record: Accidents, DUIs, and traffic violations significantly impact premiums.
- Location: Urban areas like Kansas City and Wichita have higher rates due to congestion and theft.
- Credit Score: Kansas insurers consider credit history when calculating rates.
- Annual Mileage: More miles driven increases accident risk.
- Vehicle Type: High-performance and luxury vehicles cost more to insure.
- Weather Conditions: Kansas’ hailstorms and tornadoes contribute to insurance claims.
- Coverage Level: Full coverage is more expensive but offers better protection.
Best Car Insurance Companies in Kansas (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $3,500 – $5,500 | $6,500 – $8,500 |
| 20-24 Years | $1,800 – $2,700 | $3,800 – $5,200 |
| 25-34 Years | $1,100 – $1,800 | $2,800 – $3,800 |
| 35-44 Years | $950 – $1,500 | $2,500 – $3,500 |
| 45-54 Years | $900 – $1,400 | $2,300 – $3,200 |
| 55+ Years | $850 – $1,300 | $2,000 – $3,000 |
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FAQs
Kansas law requires 25/50/25 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage, plus Personal Injury Protection (PIP).
The average minimum coverage costs around $46 per month, while full coverage averages $141 per month.
Smaller cities like Salina and Lawrence tend to have lower rates compared to Kansas City and Wichita.
Yes, Kansas requires uninsured motorist coverage of at least $25,000 per person/$50,000 per accident.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.