Comparing auto insurance in Kansas is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Kansas pricing is shaped by required no-fault PIP, required UM/UIM coverage, severe storms, hail, tornadoes, high winds, drought, flooding, winter weather, rural highways, agricultural traffic, and long-distance commuting around Wichita, Kansas City suburbs, Topeka, Lawrence, Manhattan, and other regional hubs. NOAA lists 102 billion-dollar weather and climate disaster events affecting Kansas from 1980 through 2024, including 71 severe storm events, 20 drought events, 6 flooding events, 3 winter storm events, and 2 freeze events.
Kansas premiums can vary between Wichita, Overland Park, Kansas City suburbs, Topeka, Lawrence, Olathe, Manhattan, Salina, Hutchinson, rural counties, college towns, farm areas, and western Kansas communities because traffic density, commute mileage, garaging ZIP code, severe storm and hail exposure, winter-weather risk, local claim patterns, vehicle type, driver history, prior insurance, and carrier pricing differ across the state.
25/50/25 + PIP + UM/UIM 25/50
$25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, required personal injury protection benefits, and uninsured/underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident
No Fault
Required
Kansas requires personal injury protection as part of its no-fault auto insurance system. Kansas Insurance Department lists minimum PIP benefits including $4,500 per person for medical expenses, $900 per month for one year for disability/loss of income, $25 per day for substitution benefits, $2,000 for funeral, burial, or cremation expenses, $4,500 for rehabilitation expenses, survivor disability/loss-of-income benefits, and survivor substitution benefits.
Required
Kansas requires uninsured/underinsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident. Kansas law says uninsured motorist coverage includes an underinsured motorist provision.
Source: Kansas Insurance Department
Recent rate data estimates Kansas annual auto insurance premiums at about $2,527 for full coverage and $582 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,527/yr |
| Clean record, 35, minimum required coverage | ~$582/yr |
NerdWallet May/June 2026 Kansas average annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, PIP and UM/UIM selections, discounts, claims history, prior insurance, and carrier.
Kansas minimum coverage focuses on required protection such as $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, required personal injury protection benefits, and uninsured/underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Kansas uses proof-of-insurance and financial-responsibility processes in some suspension, restriction, reinstatement, no-insurance, and alcohol-related situations. Kansas Department of Revenue guidance reviewed for this page discusses suspended licenses, insurance verification, and proof of insurance, but does not provide one universal public SR-22 duration for every case. Drivers should follow the exact SR-22 or proof-of-insurance requirement shown on their KDOR, court, suspension, or reinstatement notice.
Kansas KDOR and Insurance Department guidance reviewed for this page does not use FR-44 as a standard Kansas auto insurance filing.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Kansas auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Kansas drivers, including:
Kansas drivers should ask about discounts for good drivers, good students, low annual mileage, mature drivers, carpooling, multiple vehicles, bundling auto with home or renters insurance, driver education or accident-prevention courses, vehicle safety devices, anti-theft devices, airbags, anti-lock brakes, paperless billing, automatic payment, and pay-in-full billing. Kansas Insurance Department specifically tells shoppers to ask about these discount categories and compare identical coverages and terms.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | Progressive Group | 18.67% |
| 2 | State Farm Group | 17.32% |
| 3 | American Family Insurance Group | 9.74% |
| 4 | Allstate Insurance Group | 6.65% |
| 5 | Iowa Farm Bureau Group | 6.37% |
| 6 | Farmers Insurance Group | 5.21% |
| 7 | Berkshire Hathaway Group | 5.05% |
| 8 | Travelers Group | 4.60% |
| 9 | United Services Automobile Association Group | 4.49% |
| 10 | Shelter Insurance Group | 3.78% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Kansas private passenger auto liability group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Kansas cities:
The estimated average cost of car insurance in Kansas is $2,527 per year for full coverage and $582 per year for minimum required coverage, based on NerdWallet’s 2026 Kansas rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, PIP and UM/UIM selections, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Kansas requires at least 25/50/25 liability coverage, required personal injury protection benefits, and uninsured/underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
Yes. Kansas requires PIP as part of its no-fault system, and it also requires uninsured/underinsured motorist bodily injury coverage of at least 25/50. Kansas Insurance Department says PIP/Kansas no-fault benefits are first to cover medical expenses after an injury crash.
Kansas may require SR-22 or other proof-of-insurance documentation in some suspension, restriction, reinstatement, no-insurance, or alcohol-related situations. An SR-22 is not a separate insurance policy; it is proof that required coverage is in place. Drivers should follow the exact requirement shown on their KDOR, court, suspension, or reinstatement notice.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Kansas drivers can compare quotes, maintain continuous coverage, ask about good-driver, good-student, low-mileage, mature-driver, carpooling, multi-car, bundling, driver-education, accident-prevention, safety-device, anti-theft, telematics, paperless billing, and payment-related discounts, and review deductibles before renewal.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
