Here are important tips to help you confidently shop for car insurance and save in Kansas.
Car Insurance Calculator Kansas
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 09, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Kansas will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Kansas can range anywhere from $559 to $2,687 per year depending on a variety of factors.
To get the best deal on Kansas car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Kansas Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To prevent being pushed into an unnecessary higher coverage level, it's wise to determine your coverage needs before shopping. Consider factors like your location, driving habits, vehicle and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Investigate the average car insurance costs in Kansas for your chosen coverage level and driver profile. This helps you understand your savings when comparing quotes. Additionally, explore potential auto insurance discounts to discuss more personal savings with agents.
Research the Cheapest Providers for You
With your coverage level and cost research ready, start obtaining provider estimates. This helps identify where to begin when comparing quotes and finding the cheapest car insurance in Kansas for you. Use our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Evaluating multiple providers can lead to substantial savings in Kansas. Our research shows potential savings of up to 54% on full coverage and 57% on minimum coverage. Utilize various avenues like comparison sites, independent brokers, insurer websites, and direct agencies, as prices for the same coverage can vary.
Take Advantage of Kansas-Specific Programs
If you're a high-risk driver, Kansas accepts certain safe driving courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those who drive less than average. Many companies offer telematics insurance, rewarding good driving with discounts up to 40%. Automakers also provide insurance programs directly, offering potential savings and added benefits.
What Affects Your Kansas Car Insurance Estimates?
Your car insurance premium in Kansas is shaped by four main factors: vehicle details, your driver profile, location and the provider you choose. Learn more about how each factor affects rates for Kansas drivers:
How Much Does Provider Chosen Affect Kansas Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in Kansas. Depending on the provider, your rates can drop 36% or increase by as much as 93% compared to the average for Kansas drivers.
| Lowest | American Family | $74 | $888 |
| Highest | Dairyland | $224 | $2,687 |
How Much Does Age Affect Kansas Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Kansas drivers. Depending on your age, your rates can go up as much as 106% or decrease by as much as 44% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 24 | $103 | $1,233 |
| Highest | 16 | $380 | $4,562 |
How Much Does Credit Affect Kansas Car Insurance Estimates?
Credit scores influence car insurance rates in the Sunflower State the third most compared to other factors. Improve your credit score to lower your rates. In Kansas, monthly rates for full coverage can vary from $80 to $182.
| Lowest | Excellent | $80 | $959 |
| Highest | Poor | $182 | $2,180 |
How Much Does Coverage Affect Kansas Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates, causing rates to vary anywhere from $559 per year for minimum coverage to $1,631 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $47 | $559 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $136 | $1,631 |
How Much Does Driving Record Affect Kansas Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Kansas with rates changing up to 24%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $116 | $1,389 |
| Highest | DUI - BAC >= .08 | $193 | $2,321 |
Kansas Car Insurance Calculator: Bottom Line
We suggest you look into costs, coverage types and insurers first. Then use our car insurance calculator for estimates. After that, collect lots of quotes. Compare them with our figures, checking each detail, to find a great deal that fits just right for you.
Kansas Car Insurance Estimate: FAQ
Below you will find answers to common questions about Kansas car insurance costs and estimates:
What is used to determine Kansas car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Kansas car insurance on average?
On average, Kansas car insurance is $105 monthly. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $25 per month to up to $250 monthly.
How do I get the best car insurance in Kansas?
To find the best car insurance in Kansas, assess your coverage needs, compare quotes from multiple providers and utilize car insurance calculators for informed decisions.
Our Kansas Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.