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Car insurance in Kansas costs $222 a month on average in 2026 for full coverage, according to InsuranceQuotes, or about $2,666 a year. Other datasets put full coverage anywhere from $116 to $225 a month, because they price different drivers with different methods. This guide lays out what each dataset actually measures, what Kansas drivers pay by city and carrier, what the law requires, and what moves your own premium.
The spread between sources is worth understanding before you shop. InsuranceQuotes prices a 40 year old driver with a clean record at 100/300/100 liability with $500 deductibles, using rates insurers filed with state regulators as of September 30, 2026. MoneyGeek prices a 40 year old with a clean record at 100/300/100 with $1,000 deductibles. Insurify uses real time quotes from its network of more than 500 partners. Freeway and Experian use real policies actually sold. NerdWallet prices a 35 year old in a 2023 Toyota Camry. ValuePenguin prices a 30 year old in a 2018 Honda Civic. None of these numbers is wrong. They answer slightly different questions.
What car insurance does Kansas law require?
Kansas is a no fault state, so every policy must carry more coverage than most states require. The minimums are 25/50/25 liability, personal injury protection, and uninsured motorist coverage. Liability means $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 per accident for property damage. Personal injury protection must include at least $4,500 in medical benefits and $900 a month for disability and rehabilitation. Uninsured motorist coverage matches the liability limits.
No fault means your own policy pays your medical bills after a crash, regardless of who caused it, up to the PIP limit. You can still sue the other driver for serious injuries, but the first $4,500 of medical costs runs through your own PIP. That is why Kansas minimum coverage costs more than minimum coverage in a fault state. The PIP requirement is built into every policy, including liability only policies.
Full coverage is not a legal term. It usually means liability at higher limits plus collision and comprehensive, which repair or replace your own vehicle after accidents, theft, or hail. Hail matters in Kansas. Comprehensive covers hail damage to your car, and Kansas has some of the highest hail claim frequency in the country. A liability only policy leaves hail damage entirely on you.
The Kansas Department of Insurance publishes an auto shoppers guide listing the same minimums. The law behind them is K.S.A. 40-3107. Driving without the required coverage can lead to fines, license suspension, and vehicle impoundment. Our guide to how to submit proof of insurance to the DMV online covers the paperwork side if you need to show coverage.
How much is car insurance in Kansas in 2026?
For a 40 year old driver with a clean record, full coverage in Kansas averages about $222 a month, or $2,666 a year, according to InsuranceQuotes. Minimum coverage for the same driver is not published in that study, but other datasets put it at $45 to $91 a month. The gap between the cheapest and most expensive dataset for full coverage is $109 a month, which is why the dataset matters as much as the number.
| Source | Full coverage per month | Minimum coverage per month | Driver priced |
|---|---|---|---|
| InsuranceQuotes (Sept 30, 2026) | $222 | Not published | 40 year old, clean record, 100/300/100, $500 deductibles |
| ValuePenguin (Oct 2026) | $225 | $72 | 30 year old, 2018 Honda Civic, 50/100/50, $500 deductibles |
| NerdWallet (Oct 2026) | $211 | $52 | 35 year old, 2023 Toyota Camry, 100/300/50, $1,000 deductibles |
| Experian (Oct 2026) | $207 | Not published | Real policies sold through its marketplace |
| Luva (Nov 2026) | $186 | $51 | Quadrant filed rates |
| Insurify (Nov 1, 2026) | $157 | $79 | Real time quotes, 50/100/50, $1,000 deductibles |
| Freeway (Sept 2026) | $146 | $91 | Real policies sold, over 1 million policies |
| MoneyGeek (2026) | $116 | $45 | 40 year old, clean record, 100/300/100, $1,000 deductibles |
Three of the eight datasets cluster around $207 to $225 a month for full coverage. Those are the filed rate studies and the Experian real policy data, and they price similar drivers. Insurify and Freeway run lower because they reflect real quotes and real policies, which skew toward drivers who shop and drivers with cheaper cars. MoneyGeek runs lowest at $116 a month, which reflects its $1,000 deductibles and its own profile mix. Use the $207 to $225 range as the planning figure for a clean record driver in a mid priced car, and treat the lower figures as what a careful shopper can reach.
Kansas rates have risen about 30 percent from 2021 to 2026, according to Insurify. Rates decreased slightly from 2025 to 2026, then rose 0.5 percent in the first half of 2026. Insurify expects another 0.8 percent increase by the end of the year. The five year rise is smaller than the home insurance rise in the same state, but it is still large enough that a driver who has not shopped since 2021 is likely overpaying.
Which companies are cheapest for car insurance in Kansas?
Travelers has the lowest full coverage average in Kansas at about $153 a month, according to InsuranceQuotes, effectively tied with GEICO at $158. For liability only coverage, State Farm is cheapest statewide at $47 a month, according to Insurify, followed by Progressive at $55. The cheapest carrier depends on the coverage level, so a driver buying full coverage and a driver buying minimum coverage should not use the same ranking.
| Company | Full coverage per month | Liability only per month | Source |
|---|---|---|---|
| Travelers | $153 | Not published | InsuranceQuotes, statewide |
| GEICO | $158 | Not published | InsuranceQuotes, statewide |
| State Farm | Not published | $47 | Insurify, statewide |
| Progressive | Not published | $55 | Insurify, statewide |
Wichita shows the same pattern at city level. InsuranceQuotes prices Wichita full coverage at $241 a month, with Travelers cheapest at $166, GEICO next at $171, Progressive at $199, and State Farm at $202. For liability only in Wichita, Progressive is cheapest at $43 a month among the six major insurers compared, followed by Farm Bureau Financial Services at $56.
Other datasets rank Wichita differently, and the disagreement is a profile difference, not an error. ValuePenguin prices State Farm cheapest in Wichita at $89 a month for full coverage, with Progressive second at $132, for a 30 year old in a 2015 Honda Civic. Insure.com prices GEICO cheapest in Wichita at $154 a month for full coverage, with Progressive at $180 and State Farm at $262, for a 40 year old in a Honda Accord. The Zebra prices Nationwide cheapest in Wichita at $106 a month. Compare.com prices State Farm cheapest in Wichita at $114 a month for full coverage and $58 a month for liability only. Four datasets, four different cheapest carriers, all for the same city. The driver profile decides the ranking, which is why your own quotes matter more than any ranking.
How much is car insurance in Wichita and Kansas City?
Kansas City is the most expensive city in Kansas for car insurance, and Manhattan is the cheapest. MoneyGeek puts Kansas City at $136 a month for full coverage, $31 above Manhattan at $105. Topeka sits at the state average of $116 a month on MoneyGeek. InsuranceQuotes puts Wichita higher, at $241 a month, because it prices a different driver with lower deductibles.
| City | Full coverage per month | Source |
|---|---|---|
| Kansas City | $136 | MoneyGeek |
| Wichita | $241 | InsuranceQuotes |
| Topeka | $116 | MoneyGeek |
| Manhattan | $105 | MoneyGeek |
The Wichita figure looks out of line next to the others, and the reason is the deductible. InsuranceQuotes prices Wichita at $500 deductibles for a 40 year old driver. MoneyGeek prices Kansas City and Manhattan at $1,000 deductibles. A $500 deductible costs more than a $1,000 deductible, and Wichita is also the largest city in the state with the most hail exposure. Freeway prices Wichita full coverage at $233 a month from real policies, which is close to the InsuranceQuotes figure and confirms Wichita runs well above the state average.
Liability only rates vary by city too. Insurify reports liability only quotes average $89 a month in Wichita and $69 a month in Manhattan. The $20 a month gap between the two cities is the same pattern as full coverage: larger city, more traffic, more claims, higher price.
What does your credit score do to a Kansas car insurance premium?
Credit is the largest single pricing factor after location in Kansas. MoneyGeek reports Kansas drivers with good credit pay $113 a month for full coverage, while drivers with poor credit pay $307 a month. That is a $194 a month difference, or $2,328 more a year, for the same driver in the same car with the same coverage. Poor credit nearly triples the premium.
Kansas allows insurers to use credit based insurance scores, and most major carriers do. The effect is larger than age, larger than the car, and larger than the deductible choice. A driver with poor credit who switches from the most expensive carrier to the cheapest can still pay more than a good credit driver at the most expensive carrier. Improving your credit score before renewal is one of the few moves that lowers the premium without cutting coverage. Our guide to how improving your credit score can lower your car insurance premium explains which states limit the practice and how much each tier costs.
What does a Kansas driver actually pay? A worked example
Take a 40 year old driver with a clean record in Wichita, driving a mid priced sedan, buying full coverage at 100/300/100 with $500 deductibles. InsuranceQuotes prices that driver at $241 a month, or $2,888 a year. Travelers prices the same driver at $166 a month, or $1,994 a year. The gap is $75 a month, or $894 a year, for identical coverage from two major carriers in the same city.
Now change one factor. Raise the deductibles from $500 to $1,000, and the MoneyGeek profile for the same driver drops to about $116 a month statewide. The saving is roughly $125 a month against the InsuranceQuotes figure, though part of that gap is the different profile. The trade is the out of pocket cost after a crash or a hailstorm. A $1,000 deductible means $1,000 from your pocket before the carrier pays for your own car. A driver with an emergency fund can take that trade. A driver without one should keep the lower deductible.
Bundle home and auto with the same carrier and the saving grows. The multi policy discount runs 10 to 25 percent at most carriers, and in Kansas it applies to two of the most expensive policies a household buys. A Wichita driver paying $241 a month for car insurance and $3,214 a year for home insurance could save $500 to $1,000 a year by bundling both with the cheapest carrier for each. Our guide to choosing your car insurance deductible walks through the math for the deductible side of the trade.
How to lower your car insurance in Kansas
Start with three quotes, and include Travelers and GEICO alongside your current carrier for full coverage, or State Farm and Progressive for liability only. The $894 a year gap between the Wichita average and Travelers for the same driver is the largest single saving available to a Kansas driver, and it costs nothing but time.
Check your coverage before you cut it. Dropping comprehensive to save money leaves hail damage entirely on you, and Kansas has some of the highest hail claim frequency in the country. Dropping collision on an older car can make sense, but only if you can afford to replace the car yourself. Our guide to collision vs comprehensive deductibles explains how to choose the deductible for each one separately.
Ask about discounts you may already qualify for. Safe driver, multi car, good student, defensive driving course, and telematics programs each cut a few percent, and together they can cut 20 percent or more. Usage based programs that track driving through a phone app offer the largest single discount for low mileage drivers, often 10 to 30 percent.
Review the policy at renewal, not just at purchase. Rates rose 30 percent from 2021 to 2026 in Kansas, and a carrier that was cheapest three years ago may not be cheapest now. A driver who shops every renewal captures the carrier changes that a loyal customer misses.
Key takeaways
Car insurance in Kansas averages $222 a month for full coverage on InsuranceQuotes, with other datasets ranging from $116 to $225 a month depending on the driver priced. Minimum coverage runs $45 to $91 a month. Kansas requires 25/50/25 liability plus PIP and uninsured motorist coverage, because it is a no fault state. Travelers is cheapest for full coverage at $153 a month statewide, and State Farm is cheapest for liability only at $47 a month. Kansas City is the most expensive city at $136 a month and Manhattan the cheapest at $105 on MoneyGeek, while Wichita runs $241 a month on InsuranceQuotes. Poor credit adds $2,328 a year. The gap between the Wichita average and Travelers for the same driver is $894 a year.
Frequently asked questions
How much is car insurance in Kansas per month?
About $222 a month for full coverage, according to InsuranceQuotes, or about $2,666 a year. Other datasets range from $116 to $225 a month depending on the driver priced. Minimum coverage runs $45 to $91 a month.
What is the cheapest car insurance in Kansas?
Travelers is cheapest for full coverage at about $153 a month statewide, according to InsuranceQuotes, effectively tied with GEICO at $158. State Farm is cheapest for liability only at $47 a month, according to Insurify. The cheapest carrier depends on the coverage level and the driver profile.
What car insurance does Kansas require?
Kansas requires 25/50/25 liability, personal injury protection with at least $4,500 in medical benefits and $900 a month for disability and rehabilitation, and uninsured motorist coverage. Kansas is a no fault state, so your own policy pays your medical bills after a crash up to the PIP limit.
How much is car insurance in Wichita, Kansas?
About $241 a month for full coverage, according to InsuranceQuotes, or about $2,888 a year. Travelers is cheapest in Wichita at $166 a month, followed by GEICO at $171. Freeway prices Wichita at $233 a month from real policies, which confirms the higher figure.
Does car insurance in Kansas cover hail damage?
Yes, if the policy includes comprehensive coverage. Comprehensive covers hail damage to your own car. A liability only policy does not cover hail at all. Kansas has some of the highest hail claim frequency in the country, so comprehensive is worth keeping even on an older car.
How much does poor credit raise car insurance in Kansas?
About $2,328 a year. MoneyGeek reports Kansas drivers with good credit pay $113 a month for full coverage, while drivers with poor credit pay $307 a month, a $194 a month difference for the same driver in the same car.
InsuranceQuotes publishes its Kansas figures in its Kansas car insurance rates page, with rates as of September 30, 2026, built from insurers’ filed rates and compiled by Quadrant Information Services. MoneyGeek publishes its Kansas figures in its average car insurance cost in Kansas guide. Insurify publishes its Kansas figures in its how much is car insurance in Kansas guide, updated November 11, 2026. For the home side of the same storm exposure, see our Kansas homeowners insurance guide and our Missouri car insurance guide.
