The average cost of car insurance in Kansas is $410 per year for the state required minimum, which is lower than the U.S. national average of $564. How much you pay for car insurance depends on several factors, including your claims history, driving record, age, gender, zip code residence, and elections such as lower or higher deductibles.
Some zip codes pay higher auto premiums than other zip codes due to collective driving records and area crime statistics, including car theft. Likewise, age groups with a notably higher number of claims will pay a higher average premium than age groups with a lower number of claims.
What Is the Average Premium in Kansas for Full Coverage Car Insurance?
On average, Kansas drivers pay $142 per month for full coverage. Full coverage car insurance comprises three key coverage types. The first is liability, which covers your medical bills for accidents up to your policy amount. The second is collision coverage, which covers the cost of repairs to your vehicle in the event of a collision with another vehicle or object. The third is comprehensive coverage, which covers losses because of theft, falling objects, animals, fire, and extreme weather.
With full coverage, you have a much higher level of protection for yourself, your family and your property. Opting for the higher premium with more generous deductibles and coverage limits allows for greater peace of mind in the event of an accident.
How Much Is It for Just the Minimum Required Car Insurance in Kansas?
On average, the annual premium for the minimum amount of car insurance required by the state is $410. This will give you a limited amount of protection in the event of a crash or other incident where you are injured or your property is damaged. In many cases, you will still wind up paying for some of the costs out of pocket, since car crashes can result in high medical and property damage bills.
Quite simply, full auto insurance coverage offers greater protections in the event of an accident. Although most states have minimum car insurance requirements, you have full control over the deductible amount and amount of collision and comprehensive coverage.
How Do Rates Compare Across Major Cities in Kansas?
Car insurance rates can vary from town to town and city to city. Some sparsely-populated rural areas may not experience the same number of car crashes and vehicle crime as their more populous neighbors – leading to lower car insurance premiums for those residents. Below is a list of average monthly rates for 10 cities in Kansas.
*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase