What Is the Average Car Insurance Cost in Kansas? A Guide to Rates and Savings Tips
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Kansas requires everybody who operates a vehicle in the state to have auto insurance. However, so long as you meet the state's minimum requirements, your coverage limits and policies are up to you. But opting for less coverage doesn't automatically mean you'll get the lowest insurance premiums available.
While the average car insurance cost in Kansas is in line with the national average, several factors still influence your specific insurance rates. We break down those factors and how to get the best premiums possible here.
Introduction to Car Insurance Costs in Kansas
The average cost of car insurance in Kansas is competitive compared to other states. That said, your insurance quotes will depend on several factors and may not necessarily be the same as someone else for the same coverage.
Understanding the Average Car Insurance Costs in Kansas
The average cost of car insurance per month in Kansas is about $213 for full coverage, which translates to $2,556 per year. Minimum coverage costs an average of $52 per month or $624 per year.
Again, Kansas auto insurance costs vary depending on multiple factors beyond the coverage policy. Regardless, Kansas auto insurance costs are on par with the national average of about $2,543 per year for full coverage.
Minimum vs. Full Coverage: What You Need To Know
One of the main factors in your insurance premiums is the coverage policy. Like most states, Kansas car insurance is legally required to protect all drivers on the road.
The state's minimum required car insurance coverage includes:
- Liability coverage: $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 per accident for property damage liability
- Personal injury protection (PIP): $4,500 per person for medical expenses, $900 per month for one year for disability/loss of income, $25 per day for in-home services, $2,000 for funeral, burial, or cremation expenses, and $4,500 for rehab expenses
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident for bodily injury liability
Although Kansas has higher minimum requirements than many other states, these amounts often fall short of covering the full costs of a serious accident and only cover accidents with other drivers. As such, most drivers opt for more complete insurance coverage that covers damage from collisions, vandalism, and other unforeseen issues.
These typically include one or both of:
- Collision coverage Covers repairs or replacement of your vehicle in the event of a collision with another car or stationary object, such as a tree or guardrail.
- Comprehensive coverage: Covers repairs or replacement of your vehicle from non-collision related things, like theft, vandalism, or acts of nature.
Full coverage includes both collision and comprehensive coverage. 80% of American drivers opt for full coverage.
Key Factors That Affect Car Insurance Rates in Kansas
The average rate in Kansas may be in line with national averages, but your individual rates will depend on the auto insurance company, the insurance policy, and a few other key factors, including:
- Age: Teen drivers and elderly drivers tend to pay higher premiums because they're seen as being at high risk for accidents.
- Driving history: Those with a clean driving record will have lower insurance costs than those with recent accidents or traffic violations.
- Credit score: Your credit score indicates your ability to pay loans and debts on time, so a higher credit score often translates to lower auto insurance rates.
- Vehicle make and model: Luxury, foreign, and electric cars tend to cost more to insure because they have more expensive components.
Tips for Saving on Car Insurance in Kansas
There are a number of good ways to save on car insurance. To find cheap car insurance in Kansas, try these tips:
- Compare quotes: Different insurance companies assess applicants in different ways, so just because you get one insurance quote doesn't mean every company will give you the same one. It's important to get multiple quotes and compare.
- Maintain a clean driving record. Avoiding accidents and traffic violations is the best way to lower your rates.
- Shop discounts: Many insurance providers offer discounts for safe driving, taking defensive driving courses, or even student discounts.
- Improve your credit score: Your credit history may significantly impact your insurance premiums, so it may be worth paying down some debt before applying for auto insurance.
How To Compare Quotes and Find the Best Rates
Today, most insurance companies make it easy to get a quote online in just a few minutes. You can gather quotes quickly with some basic information — like your vehicle identification number (VIN), address, and social security number.
Get Started With Affordable Car Insurance in Kansas Today!
If you're shopping for car insurance in Kansas, give yourself a break from the tedium of gathering quotes one provider at a time. Instead, use EverQuote's comparison tools to compare quotes and coverages from dozens of providers in real-time. You can find the most affordable auto insurance plan for you in a fraction of the time.