Kansas Auto Insurance
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Kansas Auto Insurance Coverage
Liability
Covers damage you cause to someone else including bodily injury and property damage.
Comprehensive
Covers non-collision damages such as theft, vandalism and natural disasters.
Collision
Coverage that pays for damages to your own car when you're in an at-fault accident.
More Options
More options for rental car, roadside assistance, GAP coverage, medical payments and more.
See all auto insurance coverage options.
Kansas auto insurance requirements
Kansas law requires all auto insurance policies have these minimum coverages:
| Bodily Injury Liability | $25,000 per person / $50,000 per accident | ||||
| Property Damage Liability | $25,000 per accident | ||||
| Personal Injury Protection (PIP or No-Fault) | $4,500 per person | ||||
| Uninsured Motorist | $25,000 per person / $50,000 per accident | ||||
| Underinsured Motorist | $25,000 per person / $50,000 per accident | ||||
Of course, this is a minimum and we would never recommend anyone choosing limits this low. For example, almost every new vehicle costs more than $25,000. With property damage liability limits that low you're exposing yourself to significant out-of-pocket costs.
Comprehensive and Collision coverage, often referred to as full coverage, are not required by the state. However, if you have a loan on your vehicle, your lender will require you to have full coverage.
Our minimum recommendations
We recommend selecting limits higher than the minimum required by the state of Kansas.
| Bodily Injury Liability | $100,000 per person / $300,000 per accident | ||||
| Property Damage Liability | $100,000 per accident | ||||
| Personal Injury Protection (PIP or No-Fault) | Depends on your health insurance deductible | ||||
| Uninsured Motorist | $100,000 per person / $300,000 per accident | ||||
| Underinsured Motorist | $100,000 per person / $300,000 per accident | ||||
For Personal Injury Protection, or PIP, your health insurance deductible may be a factor in what limit you choose. For example, if you have a very high health insurance deductible, you may want to opt for more PIP coverage to avoid money out-of-pocket.
Average auto insurance cost in Kansas
According to Kaggle, the average cost for auto insurance in Kansas is $654 per year. This is for policies with minimum coverage and liability only. Of course, if you have adequate coverage as we discussed above, you're likely going to see a much higher rate.
For example, adding Comprehensive and Collision coverage will probably more than double your rate.
This puts Kansas as the 28th most expensive state for auto insurance. Michigan is the highest at $2,352 per year and South Dakota is the cheapest at $336 per year.
Average auto insurance cost in the region
| State | Average annual cost |
|---|---|
| Kentucky | $1,338 |
| Missouri | $874 |
| Illinois | $878 |
| Kansas | $654 |
| Tennessee | $577 |
| Wisconsin | $677 |
| Indiana | $498 |
| Iowa | $357 |
Frequently Asked Questions
The average cost of car insurance in Kansas is $654 per year for minimum coverage.
Of course if you have full coverage (Comprehensive and Collision) your rate will likely be more than double.
The minimum required coverage in Kansas is:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000
- Personal Injury Protection (PIP): $4,500 per person
- Uninsured Motorist: $25,000 per person / $50,000 per accident
- Underinsured Motorist: $25,000 per person / $50,000 per accident
Compared to surrounding states Kansas auto insurance rates are about in the middle.
Of the 7 other states Kentucky was the highest with an average of $1,338 per year and Iowa was the lowest at $357 per year.
No. Typically when people say full coverage they're referring to Comprehensive and Collision.
Neither are required by state law in Kansas, however if you have a loan on your vehicle your lender will likely require you to carry Comprehensive and Collision coverage.
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