Car Insurance Cost Per Month in Kansas

On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in Kansas carrying liability, collision and comprehensive averaged $98 a month, and the liability portion alone $40. The average insured vehicle in the state cost $81 a month, whether or not it carried the physical damage coverages, which ranks Kansas #13 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.

Kansas requires minimum liability coverage of 25/50/25. Kansas is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability.

The top three carriers by market share in Kansas are State Farm, GEICO, Shelter, per NAIC market share filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.

Yes. Kansas is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. Kansas's minimum PIP requirement is part of the 25/50/25 minimum package.

No-fault state with PIP. Hail and tornado risk (comprehensive claims) lift rates above neighboring states.

Yes, in most cases. Kansas allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.