Get the Cheapest Car Insurance Quotes in Kansas

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How Much Does Auto Insurance Cost in Kansas on Average?

• Kansas state minimum liability car insurance is $72 a month or $870 a year. You can expect to pay $259 a month or $3,108 a year for a full coverage policy.

^{CheapCarInsurance pulls cost data from recent real time auto policy quotes across the state. Data is based on a driver profile of a single person with a clean driving record that is middle aged and drives a modern vehicle.} 

Cheapest Car Insurance Companies in Kansas

• In Kansas on average the cheapest car insurance companies are Progressive, State Farm and Farm Bureau. State minimum liability car insurance starts at $51 a month or $608 a year with State Farm. Full coverage policies start at $161 a month or $1,937 a year with American Family Insurance.

See our comparison data of cheap auto insurance providers and policy rates for state minimum liability and full coverage here:

How to Find Cheap Car Insurance in Kansas

Wild Bill Hickok, Batt Masterson and Wyatt Earp each served terms as lawmen in the historically western state of Kansas. Such towns as Wichita, Abilene and Dodge City still bring the American Wild West to life through their rich and colorful history. With its all-American baseball history dating back to 1886, it seems the best of the west has been born and bred in this midwestern state. Even with its legendary tornadoes, Kansas still attracts hard-working, industrious patriots year-round. CheapCarInsurance.net has been working hard too, putting together all the important information about Kansas’ car insurance laws so “Kansans” can keep driving and working worry-free. In order to find cheap car insurance in KS (which is a state requirement for drivers), it is best to first understand what the average costs for an auto policy should be in your area and then compare from top providers.

KS Car Insurance Costs for County & Vehicle Type

According to data from the NAIC and our personal company data of thousands of KS drivers, the average cost of car insurance in Kansas is around $756 per year for minimum liability coverage, and around $1,504 per year for full coverage, which includes liability, collision, and comprehensive coverage.

The cost of car insurance can vary depending on several factors, including location, age, driving history, and coverage options. In this article, we will delve into the average costs of car insurance in Kansas and factors that can impact your premiums. Here is a further breakdown of what you can expect to pay for coverage based on the type of vehicle you drive and your current city in Kansas:

It’s important to note that car insurance rates can change over time, and it’s always a good idea to shop around and compare quotes from different insurance providers to find the best coverage at the most competitive rates.

Additionally, many insurance companies offer discounts for bundling policies, maintaining a good driving record, completing a defensive driving course, or having safety features installed on your vehicle, so be sure to inquire about any potential discounts that may be available to you.

Minimum Requirements for Car Insurance in KS

• The Kansas Insurance Commissioner has made it a requirement that all vehicles operated in the state be insured with liability coverage, personal injury protection and uninsured/underinsured motorist coverage.
• Liability Coverage minimums:
  • $25,000 per single bodily injury or death.
  • $50,000 per multiple bodily injury or deaths.
  • $10,000 for property damage.
• Personal Injury Protection (PIP or No Fault):
  • $4,500 per person
  • $25/day for in-home care
  • $2,000 to cover funeral, burial or cremation expense
  • $4,500 for rehabilitation
  • Survivor Benefits: Up to $900/month for one year of disability and/or loss of income
• Uninsured/Underinsured Motorist Coverage:
  • $25,000/person
  • $50,000/accident

How to Get a New License in KS

• Residents of Kansas must be properly licensed to drive a vehicle in the state; however, there are multiple exceptions for use of farm equipment on certain properties and roadways. For additional information, refer to the Kansas Driving Handbook.
• New drivers under the age of 17 are required to obtain a Graduated Drivers License. Kansas law has several license requirements through the different stages, and a good summary of the many restrictions can be found on the Kansas Department of Revenue’s website.
• Any driver, whether in the Graduated License program or not, must pass the vision, written and road tests prior to being issued a regular drivers license.
• Vision Exam. Every applicant must pass a vision test to ensure their vision is sufficient for driving. Kansas has provided multiple restrictions to allow those with lower eyesight to maintain their driving privileges.
• Knowledge Test. The Kansas Driver’s Manual is the source for the written knowledge test. The applicant is tested on traffic laws and on traffic signs, shapes and symbols.
• Road Skills Test. To take the road test, the applicant must first have passed the vision and written tests. The vehicle used for the test must be adequately insured, registered and maintained, and the vehicle must be driven to and from the testing site by a licensed driver. The test will evaluate the applicant’s ability in several areas:
  • Stopping
  • Backing
  • Stop Signs
  • Traffic lights
  • Approach to corner
  • Right-of-way
  • Clutch (if applicable)
  • Grade parking
  • Grade starting
  • Turn
  • Passing
  • Staying in the lane
  • Following
  • Hand position
  Upon failure of either the written or road test, the test may be re-taken the following day. The applicant has four chances to pass each test; however, after the fourth failure, the applicant must wait 6 months to re-test.
• Fees. The Drivers License Fee Chart lists the following fees (exam and photo fees included) for Kansas drivers licenses:
  • Under 21 Class C, $31. This is valid until the holder’s 21st birthday.
  • Instruction Permit, 1-year, $10
  • Regular drivers license, 4-year, $23
  • Regular drivers license, 6-year, $29

DUI Driving Laws in Kansas

• BAC limit: .08 The Kansas Department of Transportation lists the penalties for DUI convictions. In each offense, the driver is responsible for all court costs, evaluation fees and probation fees.
• First Offense:
  • 48-hour imprisonment or 100 hours of community service
  • Complete an Alcohol and Drug Safety Action Education Program (at the driver’s expense)
  • Minimum $500 and maximum $1,000 fine
  • 30-day license suspension followed by a 330 day license restriction
  • Possible 1-year vehicle impound
• Second Offense:
  • Minimum 90-day and maximum 1-year imprisonment
  • Complete an Alcohol and Drug Safety Action Education Program (at the driver’s expense)
  • Minimum $1,000 and maximum $5,000 fine
  • 1-year license suspension
  • Ignition Interlock restriction for 1 year following the license suspension
  • Possible 1-year vehicle impound
• Third Offense – Felony:
  • Minimum 90-day and maximum 1-year imprisonment
  • Complete an Alcohol and Drug Safety Action Education Program (at the driver’s expense)
  • Minimum $1,500 and maximum $2,500 fine
  • 1-year license suspension
  • Ignition Interlock restriction for 1 year following the license suspension
  • Possible 1-year vehicle impound
• Any DUI offense involving a passenger under the age of 14 will increase imprisonment by 1 month.