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Average cost of car insurance in Kansas for 2025

How much is car insurance in Kansas? 

When exploring car insurance options in Kansas, it's helpful to compare your rates with the state average. Kansas car insurance rates are generally more affordable than the national average. The state's average annual premium is approximately $605 for minimum coverage and $2,477 for full coverage. In contrast, the U.S. averages are around $806 and $2,671 respectively.

Kansas has a fairly sparse population density, which contributes to lower average insurance rates. Areas with fewer residents may mean fewer cars on the road and thus a lower likelihood of accidents and subsequent insurance claims.

Key takeaways

  • The average cost of car insurance in Kansas per month is $50 for minimum coverage, while full coverage is an average of $206 a month.
  • Kansas' average full coverage premium is about 8 percent less than the national average rate. Minimum coverage in Kansas fares even better, at 26 percent less than the national average.
  • Kansas City has the most expensive average car insurance rates of all the cities we analyzed, with an average annual full coverage rate of $2,801. A minimum coverage policy here averages $728 per year.
  • Kansas drivers convicted of a DUI pay 71 percent more on average for full coverage car insurance than a driver with a clean record.

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Kansas car insurance rates by city

The average car insurance cost in Kansas may depend on where you live. Car insurance companies in Kansas can use your ZIP code as a rating factor when determining your premium, meaning average rates may vary from car insurance rating factors. As such, you could be paying more or less than the averages shown in the cities below:

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average