Ranked #25 of 51 by Cost
2026 Kansas Car Insurance Calculator
Estimate your monthly premium based on The Sunflower State averages
Rate Calculator
Local insurance tip
Kansas is a no-fault state requiring Personal Injury Protection. However, Kansas also requires Uninsured and Underinsured Motorist coverage, making it one of the more comprehensively mandated states in the region. Review your PIP limit carefully: the default $4,500 medical benefit can be exhausted quickly by a single ER visit and upgrading it is often less expensive than drivers expect.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| KS minimum | $99 | Legal bare minimum (liability only) |
| Standard liability | $158 | High Liability, no physical damage |
| Full coverage | $210 | Comprehensive ($500 ded.) |
| Premium protection | $286 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $620 |
| 20-24 | High | $347 |
| 25-54 | Standard | $210 |
| 55-69 | Low | $200 |
| 70+ | Moderate | $263 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $210 |
| Speeding Ticket | Moderate | $256 |
| At-Fault Accident | High | $311 |
| DUI / DWI | Very high | $599 |
Kansas Snapshot · June 2026
$210/mo
State avg (-14% US AVG)
#25
National Rank
27%
County Spread
Rate by Neighboring States (5)
State Insight
Kansas sits comfortably below most of its neighbors. Colorado is the most expensive neighbor by a significant margin. Its Front Range hail corridor pushing it well above Kansas. Missouri and Oklahoma sit moderately above Kansas. Nebraska is the most affordable neighbor, the only one that comes in below Kansas.
Rate by Cities (Top 15)
Compared to KS avg ($210)
City Insight
Kansas City and Wichita sit at the top of the state but remain modest by national standards, reflecting Kansas's generally contained litigation environment even in its largest cities. Lawrence and Manhattan are the most affordable, their college town demographics and lower claim frequency keeping rates well below the state average.
Rate by Counties (105)
Compared to KS avg ($210)
County Insight
The western counties broadly form the most expensive tier, an unusual pattern for a state where rural areas are typically cheapest. This likely reflects sparse emergency response infrastructure, longer towing distances and higher uninsured driver exposure in the agricultural west.
What Every Kansas Driver Needs To Know
What are the minimum car insurance requirements in KS for 2026?
Kansas requires 25/50/25 liability minimums, plus $4,500 in Personal Injury Protection (PIP) medical benefits, $900/month in lost income coverage, $25/day in in-home services, $2,000 in funeral benefits and $4,500 in rehabilitation benefits. Kansas also mandates Uninsured and Underinsured Motorist coverage at 25/50 minimums.
Is Kansas a no-fault state?
Yes, Kansas is a no-fault state, meaning your own PIP coverage pays your medical bills and lost wages after an accident regardless of who caused it. You can only step outside the no-fault system and sue the at-fault driver for pain and suffering if your medical costs exceed $2,000 or your injury meets a defined severity threshold such as a fracture, permanent disfigurement, or significant scarring.
Does Kansas require Uninsured and Underinsured Motorist coverage?
Yes, Kansas mandates both UM and UIM coverage at minimum limits of $25,000/$50,000. UM protects you when the at-fault driver has no insurance; UIM fills the gap when their limits are too low to cover your damages. Because Kansas already requires both, drivers are better protected by default here than in neighboring states like Oklahoma and Missouri.
How does severe weather in Kansas affect my auto insurance?
Kansas sits at the heart of Tornado Alley and is one of the top states nationally for hail damage claims. Comprehensive coverage, which pays for storm, hail, flood and tornado damage — is not legally required but is practically essential for most Kansas drivers. Dropping comprehensive to reduce premiums is a significant gamble in a state where a single spring storm system can produce widespread total losses.
Sources: Kansas DMV